Entering 2021, the sudden outbreak of domestic new energy vehicles, the penetration rate of new energy vehicles has also increased significantly, and the "task" of achieving a penetration rate of 20% in 2025 at the relevant level has been realized in advance in November 2021. The absolute main force of new energy vehicles is naturally a pure tram with a positive momentum at present. It can be said that in the past year, the domestic pure electric car market growth rate is amazing, many brands and models that were not optimistic before have repeatedly reached new highs in terms of sales, especially Tesla Model Y once won the first place in the domestic SUV market monthly sales, but also let people see the "market aggressiveness" of electric vehicles as a form of future car realization. However, although the performance of the pure tram market is positive, it does not mean that on the owner side, the owner's experience is equally optimistic and positive!
Entering the winter, many media and institutions have tested the endurance retention rate of electric vehicles, and we are extremely disappointed to see that compared with a few years ago, although many electric vehicle products continue to show off the concept in battery technology, they still can't win the winter! According to the winter endurance results of the six pure trams released by China Automobile Research Institute, the winter endurance decline rate of electric vehicles is more than 30%, of which the decline rate of Model 3 standard endurance models is 36.9%; the endurance decline rate of WEIO EC6 is 42.1%; the bydir Han endurance decline rate is 30.9%; the xiaopeng P7 endurance decline rate is 42.3%; the bmw iX3 endurance decline rate is 36.6%; and the endurance decline rate of Nezha U Pro 500 lunar version is 42.4%. So from the perspective of endurance, compared with previous years, the winter endurance performance of domestic electric vehicles has not substantially increased, for many car owners, winter endurance anxiety will be more serious, endurance waist cut is almost all electric vehicle owners in the cold winter must face the result!
Of course, for the majority of electric vehicle owners, this year's winter may be more "cold" than in previous years, because from December 27, 2021, the new energy vehicle exclusive insurance officially launched, 12 mainstream property insurance companies simultaneously launched exclusive new energy vehicle insurance products, the biggest change, is that new energy vehicles, especially electric vehicles Insurance costs are more expensive, and even more extreme situations, that is, buy a day late insurance, premium expenditure directly spent 6,000 yuan more!
Some netizens also broke the news that they had purchased Tesla Model Y before, and the total amount of insurance purchased at that time was more than 5,000 yuan, and now when it was time to renew the insurance, in the same insurance company, the insurance price rose to more than 12,000 yuan, of which the car damage insurance directly doubled. Of course, this is not an isolated case, at present, many insurance companies have seen a significant increase in the premium for electric vehicles, mainly concentrated in the car damage insurance!
Of course, we have also observed the commercial insurance structure of relevant insurance companies, and we can clearly feel that commercial insurance for electric vehicles has begun to pay attention to the safety of the vehicle itself, especially the safety of the battery, as well as spontaneous combustion, deflagration and other situations, which may cause losses to other vehicles! Therefore, under the new exclusive insurance, the "three electric" system of electric vehicles, that is, batteries, electronic controls, electric drives, and charging piles outside the car are included in the insurance coverage! And the maximum sum insured of the three insurances of new energy vehicles can be increased to 40 million yuan!
In fact, from the perspective of insurance companies, it is also completely understandable that the premium of new energy vehicles based on electric vehicles will be greatly increased, because electric vehicles have related accidents or unilateral accidents, which are easy to cause greater losses, such as general fuel vehicles parked in parking spaces, after turning off, there is generally no potential danger; but new energy vehicles parked in parking spaces to charge, once fire, deflagration occurs, the car is burned out very normally, and will hurt other vehicles, This has happened a lot in the past! Therefore, for insurance companies, it is necessary to take such risks into account when designing premiums, that is to say, a large number of electric vehicle owners pay for a small number of large-scale losses that may occur!
However, for the majority of electric vehicle owners, the premium has risen sharply, but it is not necessarily a good thing! Because for many consumers, buying an electric car is to save money, not for the so-called environmental protection or performance, then the cost of fuel is indeed reduced, but the premium has risen. For example, the fuel car on hand has not been insured for 3 consecutive years, and now the annual premium is less than 2500 yuan, and the Tesla Model Y premium mentioned above is as high as 12000 yuan, according to the difference between it and 12000 yuan, basically it is not much different from the fuel cost saved in a year. So this is a heavy blow for many owners who have purchased electric vehicles, originally buying electric vehicles is to save fuel money, the result of oil money is saved, but the premium has gone up, but also to bear the results of winter endurance waist chop, so in this case, what is the meaning of buying electric vehicles?
So as electric vehicles gradually enter the right track, many rules and strategies around electric vehicles will also change, perhaps in the future, electric vehicle subsidies will continue to be greatly reduced until cancelled, the purchase tax on electric vehicles will also become history, coupled with the sharp rise in electric vehicle premiums has become a reality. These situations are not a good thing for the just-needed people with a budget of 100,000-200,000!