After the new energy vehicle captive insurance was launched on Monday, some netizens said that the maximum increase in Tesla car premiums reached 80%. Industry insiders point out that driving habits and specific models will affect the payout rate.
New energy vehicles due to the advent of the short time, the degree of technological update, resulting in the repair of the car by the 4S high monopoly, in the past the oil car is broken to find a repair shop to get the thing is almost impossible in the new energy era, the battery pack knocked a small mouth to spend tens of thousands of dollars for the assembly This kind of thing is not uncommon in daily life, these situations are paid by the insurance company, collect money according to the oil truck premium standard, the insurance is based on the oil truck scrapping standard, this kind of thing is not what the insurance company can afford.
On the basis of traditional comprehensive insurance, the exclusive insurance of new energy vehicles will include batteries and energy storage systems, motors and drive systems, and other control systems into the scope of car insurance protection, and if there are problems in different scenarios such as vehicle use, parking, and charging, insurance companies will settle claims. At first glance, this is a good thing for new energy vehicles, after all, the specification is more detailed.
As for the rise in premiums, a look at the false alarm, different brands of different models of different models are not the same degree of floating, there are also some cars are downgraded, such as BYD's Qin. And it is not only Tesla that has increased prices, nor is it the government that the media says is 80%, as long as all the companies of new energy models are covered.
As for why the premium increase, to put it simply, the insurance company lost money before. No one wants to do a loss-making thing is not, look at Tesla as one, a little bit bad, and then the whole has to be changed, the price of this compensation will not go up, and finally these risks will be converted to the user.
Insurance companies out of the big data, Tesla premiums rose the highest, which shows what is Tesla accident rate is high, maintenance is also expensive, the United States, European insurance companies have been in 2017, 2018 specifically for Tesla this single brand has increased the premium, this is just China's insurance company big data out after the China followed up only...