Lead
After the launch of new energy exclusive insurance, some car owners complained that their Tesla premiums rose by 80%, and the products of car companies such as Weilai and Xiaopeng were also exposed to a sharp increase in premiums.
Recently, the exclusive product of new energy vehicle commercial insurance was officially launched, but the new energy vehicle insurance represented by Tesla was greatly raised, which caused an uproar among the car owners.
Some car owners broke the news on social media that on December 23, the total cost of his Model Y insurance was 8278 yuan, and on December 27, the total cost of the same car insurance rose to 14902 yuan, an increase of up to 80%. Among them, the increase in car damage insurance was the largest, from the previous 5759 yuan to 12736 yuan. The products of car companies such as Weilai and Xiaopeng have also been exposed to a sharp rise in premiums.
Some insiders also said that after the launch of new energy vehicle captive insurance, the premium did rise, but it was not as exaggerated as announced on the Internet, and the price difference between the new car insurance was between 500-1000 yuan, an increase of about 10%.
In this regard, Tesla responded on the 30th: "Recently, with the launch of 'new energy vehicle exclusive insurance', we have also received some consultations on premium fluctuations. Vehicle insurance is one of the important components to protect the user's car experience, and we pay close attention to changes in the price of car insurance and regularly follow up on the changes. The increase in different insurance divisions, different regions and different models varies slightly. ”
Tesla said that from the latest December 30 statistics, Tesla vehicle premium increase to the national average of about 10%, more concerned high-performance version of the premium, the increase in the national average within 20%, the specific amount please refer to the local insurance company quotation prevails.
The insurance company personnel interviewed by the media also said that there will indeed be a certain increase, and it is related to whether the owner has violated the rules and whether there is a claim, including personal credit. Different models will also be different, a car insurance company sales said that he entered the Tesla Model Y price on December 29 rose by about 10%, but on the same day BYD Song PLUS DM-i appeared to be about 10% lower.
Previously, the China Insurance Industry Association recently issued to property insurance companies the "Explanation on the Calculation and Adjustment of the Benchmark Pure Risk Premium Table for Commercial Insurance Exclusive Products of New Energy Vehicles" shows that in terms of smoothing the rate of vehicle damage insurance, the benchmark premium of new energy vehicles with a price of less than 250,000 yuan is not floating; for new energy vehicles with a price of more than 250,000 yuan, the benchmark premium can fluctuate up and down.
According to the "Explanation on the Calculation and Adjustment of the Benchmark Pure Risk Premium Table for Exclusive Products of New Energy Vehicle Commercial Insurance" issued by the China Association of Actuaries, it is confirmed that new energy vehicles priced at less than 250,000 yuan will not increase the cost of insured car damage insurance; for models with a price of more than 250,000 yuan, only part of the premium will increase, but the overall price will not exceed 3%.
So, why is it widely reflected on the Internet that the premiums of Tesla, Weilai, Ideal, Xiaopeng and other models have risen sharply?
Compared with fuel vehicles, the scope of protection of new energy exclusive car insurance is expanded, which not only provides protection for the "three electricity" system (battery, motor and electronic control system), but also comprehensively covers the use scenarios of new energy vehicles driving, parking, charging and operation.
The policy cost of new energy vehicles is mainly reflected in two aspects, on the one hand, the maintenance cost is relatively expensive, and the other is that the insurance rate is relatively high.
Because new energy vehicles do not have engines, so the maintenance cost of batteries and headlights, doors, bumpers and other surface coverings is an important factor in determining the cost of claims for different new energy models, and some new car-making forces have higher maintenance costs of surface coverings due to the lack of substitution of their parts.
For some models with higher loss rates in the past, insurance companies will also increase premiums through their own pricing factors to avoid large underwriting losses. Shenwan Hongyuan report data shows that the current loss rate of new energy vehicle insurance is close to 85% on average, and the industry is facing greater underwriting loss pressure.
Some netizens said that the model Y car insurance rose so much, may be because of the frequent accidents at home and abroad in Tesla motors in recent years.
Disclaimer: The article does not constitute investment advice, please indicate the source when reprinting.
This article is for knowledge sharing only and does not constitute any investment advice, and anyone makes investment decisions based on this at their own risk.
You guys "share" a little bit, charge me a little bit~