On December 31, Xiaopeng Automobile announced the rise in insurance premiums for its new energy vehicles, according to the original price, the average increase of the whole model was 2.9% to 18.2%, of which the largest premium increase was Xiaopeng P7, which was previously 5600 yuan a year, and now it is 6622 yuan a year.
On December 27, the exclusive insurance for new energy vehicles was launched, which included the quality of the three electricity and spontaneous combustion into the insurance coverage. The probability of electric vehicle failure was originally higher than that of fuel vehicles, and now that the insurance coverage has been expanded, then insurance companies must increase premiums.
Xiaopeng flagship product P7 premium only rose 1022 yuan, has been relatively small, the price of about 350,000 yuan Tesla Model Y high-performance version, the premium directly rose by about 6,000 yuan, these increases alone can be Xiaopeng P7 on the insurance for a year. Compared with Tesla's electric car, Xiaopeng's premium is quite cheap.
According to Xiao Lei, the insurance cost of each car owner and each model is different, and the insurance company needs to comprehensively consider the driving habits of the owner and the quality of the model. If the owner violates too many traffic rules, the insurance company will raise his premiums.
In addition, the quality and workmanship of each brand of car are different, and the insurance company will examine the failure rate of the model in detail. Tesla needless to say, all kinds of accidents occur frequently, and the failure rate of hundreds of cars ranks high.
In the reliability ranking of the famous American magazine "Consumer Reports", Tesla has been second to last for two consecutive years, and it has performed only better than Lincoln Motors. Tesla Model Y high-performance version of 350,000 yuan, a year to pay about 14,000 yuan of car premiums, it seems that the insurance company's impression of them is really not very good.
Image source: Consumer Reports
Xiaopeng P7 high-end version is generally priced at 350,000 yuan to 400,000 yuan, not cheaper than the Model Y high-performance version, but the insurance premium is much lower, it seems that the quality is more recognized by the insurance company.
Of course, new energy vehicle insurance does not have to be bought, car owners only need to buy traffic insurance to be on the road, but considering that the failure rate of electric vehicles is much higher than that of fuel vehicles, in order to prevent it, Xiao Lei still recommends that you buy new energy vehicle insurance.
Thankfully, the models with higher premium increases are all high-end cars, and the premiums of low-end models have risen very little, and some have not risen at all. Only a few can afford to buy high-end cars, most people buy low-end models, the premium has basically not changed, you can buy with confidence.