Tesla is too conspicuous
On December 27, the new energy vehicle captive insurance was launched, of which 12 property insurance companies such as PICC, Ping An and Pacific Insurance gave the latest service policies.
However, some car owners found that according to the new exclusive insurance policy of new energy vehicles, the cost of purchasing insurance increased without decreasing, with an increase of between 20% and 80%, especially the premium of Tesla models directly doubled.
On December 28, the topic of 51QC mentioned: In the quotation, a Tesla Model Y purchased car insurance on December 23, with a total price of 8278 yuan, car damage insurance of 363,900 yuan, and a premium of 5797 yuan; three liability insurance of 2 million yuan, a premium of 1106 yuan, and compulsory traffic insurance of 950 yuan.
The same car insurance protection rights, on December 27, after the launch of new energy car insurance, the premium price was guaranteed to 14,902 yuan / year, of which motor vehicle loss insurance increased the most, from the previous 5759 yuan soared to 12,736 yuan, the car damage insurance directly doubled.
In this regard, Tesla's official customer service also responded. The main reason for the increase in premiums is the increase in the car damage insurance in the vehicle commercial insurance after the new policy, and it is currently in active communication with the car booking users.
At the same time, some car owners said that if the premium increase is so large, then the advantage of buying a new energy vehicle is not very large, and the extra premium is enough to add oil for one year.
Several insurance companies responded
In this regard, 51QC called several insurance companies for consultation. Among them, Ping An Insurance customer service introduced that after the implementation of the new policy, the premium of new energy vehicles has indeed risen, but it is not as exaggerated as the news says, and it is mainly based on Tesla, Weilai, Ideal and other high-end new energy vehicles.
At the same time, practitioners in the insurance industry told Xiaobian that the premium of new energy vehicles has indeed risen, and the specific increase is related to the model, whether there is a risk record and a comprehensive score. In other words, not every new energy vehicle will increase in premiums.
At present, according to the benchmark premiums of the three insurances and car damage insurance of the new energy vehicles in the New Deal, the overall premiums of the traditional car insurance are about 0.8% lower than the current benchmark premiums of traditional car insurance. Among them, the benchmark premium of the three insurances fell by 0.1%, and the benchmark premium of the car damage insurance fell by 1.2%.
According to the "Explanation on the Adjustment of the Pure Risk Premium Table of the Exclusive Products of New Energy Vehicle Commercial Insurance" previously issued by the China Association of Actuaries, the new energy vehicles with a price of less than 250,000 yuan will not increase the fee, and the limit on the increase and decrease of the rate will be narrowed.
To put it simply, in the future, the premium of new energy vehicle models below 250,000 yuan in China will only fall and not rise, and the premium of models above 250,000 yuan will rise partially, and the overall maintenance will be within an acceptable and controllable range.
However, an insurance practitioner who did not want to disclose the company's name told Xiaobian that they were not very willing to provide insurance services for new energy vehicles, mainly because the insurance company's claim cost was too high.
Where are the premiums expensive?
Let's take a brief example, you may understand why the domestic new energy vehicle premium of less than 250,000 yuan will show a downward trend in the future, while models above 250,000 yuan will partially rise.
At present, most of the new energy models developed in China mainly have two directions, one is to go to the middle and low-end entry customers, such as Hongguang MINI EV, GAC Aion AION S and other models with more "civilian" prices. The other direction is like the ideal ONE, Nio ES8 and other high-end models.
The new energy vehicles in these two directions are very different, and the high-end models, whether it is car companies or consumers, will pay more attention to the scientific and technological configuration of the vehicle, auxiliary driving functions and so on. For example, the Weilai ET5\ET7, which was just listed some time ago, has dozens of various lidar and various high-precision sensors covered by the body. The cost of these accessories is much higher than the radar on conventional fuel vehicles.
The rise in new energy vehicle insurance premiums is mainly reflected in vehicle damage insurance.
Similarly, high-end fuel vehicles and new energy vehicles have rear-end accidents, and the damage compensation rate of new energy vehicles must be higher than that of fuel vehicles. Why? Because the current body sensors covered by fuel vehicles are not many, common front and rear radar, ACC adaptive cruise sensors, etc., the cost of these configurations is lower than that of various high-precision sensors on new energy vehicles.
According to insurance company insiders, Tesla's claim rate and claim amount reached 1:1.4, which is equivalent to charging a dollar premium to lose 1.4 yuan, the main reason has a lot to do with the car.
Because Tesla uses an all-aluminum integrated body because of the special process, especially in the case of a slight collision but injured to the body, it is extremely difficult to repair with sheet metal, and can only be replaced as a whole, and the amount of compensation after the insurance is obviously more expensive than other models. And coupled with the frequent occurrence of Tesla accidents, not only in China, tesla cars in foreign countries are also problematic. All of this led to Tesla's premiums skyrocketing overnight.
This is also why the "Explanation on the Adjustment of the Pure Risk Premium Table of the Benchmark Pure Risk Premium Table for Exclusive Products of New Energy Vehicle Commercial Insurance" said that the new energy models insured within 250,000 yuan in the future will not increase the fee, and narrow the limit on the increase and decrease of the rate.
Since the implementation of the new energy vehicle exclusive insurance, the premiums of various models of new energy vehicles have increased to varying degrees. According to the statistics of the new and old premiums of the existing new energy vehicle insurance, tesla models have increased by more than 80%, and the premiums of Weilai, Ideal, Xiaopeng and other models have also increased by 16%-50%. The premium of new energy vehicles below 250,000 yuan is also currently on the rise, because of the increase in the scope of insurance retention, resulting in an increase in premiums, but the increase is not large.
The implementation of new energy vehicle exclusive insurance was only 3 days online, which caused a variety of "uproars", and the majority of new energy vehicle owners expressed dissatisfaction.
In the face of the response of various insurance companies, explaining the reason for the increase, I believe that the hearts of the owners of the car have at least a little comfort. However, judging from what has happened after the implementation of the new policy in the past few days, the provisions of the new energy vehicle exclusive insurance are not perfect enough, and there are still many details that need to be adjusted.
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