"Premiums are up!" This has become the most discussed topic in the major new energy car owners in the past two days.
On December 27, new energy vehicles officially entered the era of captive insurance, and 12 mainstream property insurance companies went on sale at the same time. The exclusive insurance of new energy vehicles not only provides protection for batteries, motors and electronic control systems, but also comprehensively covers the use scenarios of new energy vehicles driving, parking, charging and operation.
On the day of the launch, a Tesla owner posted a quotation calculated in an insurance company's system, which rose by more than 6,000 yuan from four days ago, an increase of up to 80%. Coincidentally, according to the national premium situation feedback from various insurance companies on the 28th, the average increase of Xiaopeng Automobile's models across the board ranged from 2.9% to 18.2%. A person familiar with the matter told First Electric that the premium of Extreme Kr 001 has also been raised.
Interestingly, Tesla's premium increase lasted only one or two days, and on December 30, Tesla Model Y owners reported that in the official website account, Tesla premiums suddenly fell back. There are also car owners who joke that "this is a scolding back".
In this regard, Tesla's public relations department told First Electric, "Recently, with the launch of new energy vehicle captive insurance, we have also received some inquiries about premium fluctuations. Vehicle insurance is one of the important components to protect the user's car experience, and we are also very concerned about the changes in the price of car insurance, and regularly follow up on the changes. Different insurance divisions, different regions, different models of the increase slightly different, 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. ”
Xiaopeng Automobile also said in the "Explanation on the Change of Premiums of Commercial Automobile Insurance of Xiaopeng Brand Models on the Launch of New Energy Vehicle Insurance Products" that the specific amount should be subject to the quotation of the local insurance department.
Why the price increase?
Industry insiders believe that the main factor for the high price of exclusive commercial insurance for new energy vehicles is that the exclusive parts of new energy vehicles are more comprehensively guaranteed by the new policy, and at the same time, according to the claim rate and claim amount of the corresponding model, and the accident rate of some new energy vehicles is relatively high, so the corresponding premium will rise.
Indeed, new energy vehicles are quite different from traditional fuel vehicles in terms of body structure, power system, maintenance and other aspects, showing differentiated risk characteristics. In recent years, the premium of new energy vehicles has actually been on the rise. Taking PICC Property & Casualty Insurance as an example, First Electric observed that in the first half of this year, PICC Property & Casualty Insurance's new energy vehicle premium income was 4.03 billion yuan, an increase of 60% year-on-year, and the premium contribution was 3.3%; the average premium of the car was 3900 yuan, and the number of insured units was 1.03 million units.
Moreover, people familiar with electric vehicles know that the battery of the electric vehicle is located in the chassis and it is easy to bump, once the collision occurs, the battery is almost scrapped based on safety considerations, but the battery price is high, often more than 100,000 yuan, so the battery bump and other unique accidents of new energy vehicles are often rejected by insurance companies.
Nowadays, on the basis of traditional comprehensive insurance, the exclusive insurance of new energy vehicles incorporates batteries and energy storage systems, motors and drive systems, and other control systems into the scope of car insurance protection, and if there are problems in different scenarios such as vehicle use, parking, and charging, insurance companies will settle claims.
That is to say, in the future, the owner of the car has a basis for claims for core components such as batteries. In this way, it is reasonable for Tesla, which is currently prone to accidents, to increase premiums.
However, it is worth mentioning that some senior professionals in the industry said that the new energy vehicle insurance premium has actually risen and fallen, and the price of some high-end models may have risen, and the benchmark premium of most models has declined, and the overall price increase is not large. A few days ago, Ping An Property & Casualty also replied, "The exclusive terms of protection have increased, so will my premium become more expensive?" "At this time, it is said that 80% of the owner's benchmark premium will fall.
The relevant person in charge of CPIC Property & Casualty also gave an explanation, "The rate of new energy captive insurance is a special calculation in the context of a sharp fee reduction and price return value in 2020, and the overall principle of moderate caution is followed to make a small and reasonable increase in premium adequacy." Compared with the traditional insurance of fuel vehicles, the adjustment of the overall rate of new energy captive insurance for automobile insurance is not significant. The vehicle damage insurance is close to the framework of the three liability insurance, and the calculation takes special consideration of the affordability of the owner of the price-sensitive stock new energy vehicle, and restricts the price of the car below 250,000 yuan without increasing the fee. ”
WEILAI: I don't increase the price
Among the new car-making forces, there is a car company that is always the most active in the face of national policies, which fully reflects the concept of serving users. On the eve of the subsidy decline in 2022, it launched a subsidy program for individual users. When the new energy captive insurance came, it held an online communication meeting for this purpose. This company is Weilai.
Weilai also made an official interpretation of the new energy vehicle exclusive insurance launched this time in combination with its own services, which is as follows:
1. The pricing of the newly purchased service worry-free package remains unchanged, and at the same time includes the corresponding protection content of the three additional insurances (external grid fault loss insurance, self-use charging pile loss insurance and self-use charging pile liability insurance) added to the new clauses;
2. Users who are still in the service period of the 2021 version of The Service Worry-free do not need to purchase three additional insurances under the new terms, and the current Service Worry-free will include the corresponding protection content;
3. The pricing of Insurance Worry-free is still the insurance fee + 1680 yuan WEILAI exclusive service, of which 1680 yuan Weilai exclusive service remains unchanged, and the overall premium changes are related to the user's region, illegal records, past insurance situations and other factors. At present, the situation is different in different places, and the premium adjustment of NIO models is not large overall, and we will continue to pay attention to the subsequent price changes;
4. For users who are still in the service period of The Insurance Worry-free 2021 edition, the accident claim rights and experience are no different from the main insurance of the new terms;
5. You can choose a worry-free service or insurance worry-free product according to your own car situation.
To sum up simply, it is to buy the service of 2021 worry-free, and you can enjoy the three new additional insurance under the new policy without making up money, which seems to be quite a bit of the meaning of increasing the amount without increasing the price.
NIO also said at the media communication meeting that it is evaluating the possibility of setting up a WEIO captive insurance product, and there is no further communication information at present; the current cooperative insurance companies (People's Insurance, Ping An Insurance, Pacific Insurance, etc.) do not have the phenomenon of refusal.
Should businesses pay the bill?
Weilai's behavior, in the eyes of consumers, has a sense of paying for insurance policies, so the question is, should enterprises pay for high premiums?
Many netizens feedback that from the perspective of new energy car owners, the reason why they gave up traditional fuel vehicles and then purchased new energy vehicles, in addition to the advantages of unlimited travel, the biggest purpose is to save fuel money. However, the premium reform of new energy models has not only eliminated the advantages of new car purchase tax subsidies, but also caused the "hole" in the future to fill the rise in premiums.
Moreover, some car owners said that the premium increase is related to insurance companies, car companies, consumers, supply chain companies of Sandian, and even charging pile operators. Exclude the owner of the car himself out of the accident, to the charging pile charging accident, the car put there is nothing dry Car spontaneous combustion, and then the purchase of insurance must all be paid by the user, it does not make sense.
Indeed, like the Xi'an Weilai ES8 spontaneous combustion incident, model 3 highway suspected spontaneous combustion incident, now think of it or afraid.
Experts believe that the launch of captive insurance is good for the new energy vehicle industry; however, insurance companies can still make efforts in terms of services and targeted insurance types in the future; car companies should also consider consumer voices to make a difference.
First Electric believes that if the premium is greatly increased, the car company should also bear part of the responsibility, such as reducing the burden on consumers by reducing the ratio of cars to zero.
To this end, The First Electric has deliberately established a topic of "new energy vehicle premiums rise, do car companies need to take responsibility", what is the reason for the increase in premiums? How much has each car company risen? How should car owners purchase insurance? How do you see the pros and cons of premium increases? Whether car companies should also bear some of the responsibility for the increase in premiums, if you have any ideas, you can click here to make your voice.