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Source| Jiguo Editorial Department
In the past two days, Tesla premiums have soared on the Internet, and the premium of model Y high-performance edition has risen from 8,000 to 14,000, an overnight increase of 80%.
Many Tesla prospective owners who did not have time to pick up the car suddenly got real money and silver to spend tens of thousands of pieces, regretting the pat on the thigh! Old car owners have also begun to worry about the renewal of insurance next year, and the fuel money saved by buying a tram may not be enough to pay insurance.
But how did Tesla's premiums suddenly rise so much for no reason? Is it another round of cutting leeks?
Don't rush the conspiracy theory, in fact, not only Tesla, all new energy vehicle insurance costs have recently changed to varying degrees, there are ups and downs, the range is not the same, there is only one reason, that is, from December 27 of this year, all new energy vehicles will use exclusive commercial insurance terms for insurance, new energy vehicles officially enter the era of exclusive insurance.
Due to the use of batteries for energy supply, compared with traditional fuel vehicles, in addition to the losses caused by traditional traffic accidents, there are more risks such as battery fire and deflagration caused by charging.
However, on the insurance issue of new energy vehicles, the previous relevant policies are not clear, almost all of them are applied to the existing insurance terms of traditional fuel vehicles, the most important "three electricity" of electric vehicles are not within the scope of protection, and even some insurance companies directly refuse to insure new energy models, resulting in problems such as difficulty in insurance and payment of new energy vehicle owners.
The "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial)" launched this time includes pure electric vehicle models, plug-in hybrid models and fuel cell models, and finally the "three electricities" of new energy vehicles are officially included in the scope of protection.
For the unique use scenarios of new energy vehicles, such as charging, how to pay out insurance has made clear provisions, and three additional charging pile insurance has been added for car owners to purchase on demand.
Compared with before, the introduction of new energy exclusive car insurance not only makes electric vehicle insurance and claims claims legal, but also further expands the scope of protection.
Everyone is concerned about the rise in the price of insurance, from the results, the three insurance and occupant insurance changes are not large, the premium change is mainly reflected in the car damage insurance, for different models of different increases, the larger increase is generally a higher price of high-end models, and some of the lower price of the car premium is still slightly reduced.
Although the online Tesla premium surge is boiling, it can be found through the understanding of Jiguojun that the rise is indeed up! But not all Tesla models are so inflated.
The model that has increased by 80% on the Internet is the Tesla Model Y high-performance version, and the high-performance version is the hardest hit area of this premium surge.
In order to find out the specific premium increase of Tesla models, Jiguojun consulted Tesla direct stores in Beijing, and the staff said that the standard endurance premium did not change much, slightly rising by a few hundred, basically no impact.
The long-endurance version has indeed experienced a round of premium price increases, but the price in Shanghai, Beijing and other regions has been adjusted for a round, and the current price is much normal, about a thousand or more, and the increase is not acceptable.
The high-performance version is still the largest increase in all models, about two or three thousand pieces, or has been greatly affected, but not as exaggerated as the network transmission.
Of course, there are differences in the specific situation of different regions, so the results are for reference only, but in general, it can be determined that the increase of the high-performance version generally exceeds the standard endurance version.
There have been rumors before that many insurance companies refuse to insure Tesla vehicles, in fact, it is not difficult to understand if you think about it, there is money that does not make money, and if you don't want to do this business, it is nothing more than not making money! Loss-making buying and selling is naturally not very motivated.
Although the all-aluminum one-piece cast body used by Tesla simplifies the design and improves the production efficiency, it cannot be sheet metal after the collision, and can only be replaced as one, which greatly increases the maintenance cost, coupled with Tesla's high zero ratio and maintenance costs, it is difficult for insurance companies to catch any oil and water on Tesla's insurance.
(Source Network)
Coupled with the majority of young people who like Tesla, Tesla has been taking performance as the biggest selling point, it is inevitable to experience a "fast and furious" from time to time, resulting in a high insurance rate, and the insurance company tossed a circle to find that not only did not make money but also lost a lot, naturally it was far away.
In addition to Tesla, the premiums of other new energy vehicle brands have also been adjusted.
Weilai Automobile has not yet given a specific adjustment plan, and asked the staff to learn that the increase may be around 10%.
On the evening of the 29th, WEILAI made relevant instructions for the previously launched worry-free service: the user price of the new service worry-free package remained unchanged, and it included the corresponding protection content of the three new additional insurance; during the service period, the user did not need to purchase additional insurance, and also included the corresponding protection content of the additional insurance; the price of insurance worry-free was still 1680 yuan + insurance cost.
On the 29th, Xiaopeng Automobile issued the "Explanation on the Premium Changes of New Energy Vehicle Insurance Products for Commercial Automobile Insurance of Xiaopeng Brand Models", which said that the average premium increase of Xiaopeng Automobile in major cities across the country was between 2% and 18%, of which Xiaopeng P7 increased the most, but did not reach 50% of the network transmission.
Consulted a number of ideal car staff, unfortunately all said that they have not received the news of the increase in premiums, and it is not clear whether the premiums of ideal cars will also rise.
Jiguojun found that the premium increase of models using ternary lithium batteries this time generally exceeded that of new energy models that use lithium iron phosphate batteries. Some new energy brands that mainly use lithium iron phosphate batteries, such as BYD and Roewe, have even slightly reduced the premiums of some of their models.
The stability of lithium iron phosphate in the high temperature and high heat environment is higher than that of ternary lithium batteries, the safety is better, the loss caused by the accident is smaller, and the premium price is naturally more advantageous.
Tesla's high-performance version of the ternary lithium battery is the use of relatively poor stability of the NCA structure, once the accident loss is more serious, the premium naturally rises, which may also be the reason for the large increase in Tesla's high-performance premium.
The "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial)" further expands the scope of protection, causing the cost of insurance companies to rise, resulting in the pain of rising premiums at this stage. But in the long run, it may be a good thing for new energy car owners, and the standardized insurance market must be conducive to the development of the industry.
Jiguojun feels that there is no need to worry, do not be good at selling anxiety of the marketing number with the rhythm, although the premium at this stage has risen slightly, but it is far less exaggerated than the network transmission, and the price still has room for later adjustment, how to make the follow-up progress or let the "bullet" fly for a while, what do you think? Feel free to discuss with us in the comments section.