Since the official launch of the exclusive product of new energy vehicle commercial insurance on December 27, new energy car owners have exploded the pot, and the wave of sitting on the ground has made public opinion boil.
I have to say that the public relations of the current new energy vehicle brand owners are still in place, and the next day they will speak out about this premium price increase incident, intending to tell consumers that the car premium has risen, but the price increase is not as exaggerated as the media describes.
Xiao Peng speaks with data
On the evening of December 29, Xiaopeng Automobile issued the "Explanation on the Premium Changes of Commercial Automobile Insurance for Xiaopeng Brand Models on the Launch of New Energy Vehicle Insurance Products".
The statement said: "According to the national premium feedback from the insurance departments on the 28th, the average increase of Xiaopeng Automobile's models across the board ranged from 2.9% to 18.2% (the increase of different insurance divisions, different regions, and different models was slightly different), and the specific amount should be subject to the quotation of the local insurance division." ”
According to the data given by Xiaopeng, the model with the largest increase in commercial auto insurance premiums this time is the P7. Taking December 27 as the node, the average quotation of commercial auto insurance in the head insurance company of major cities in the country was 5600 yuan, and then the quotation was 6622 yuan, an increase of 18.2%.
For the sake of rigor, Xiaopeng Automobile also said that the data in the above table is only the average quotation comparison of commercial automobile insurance of the main cities of the country and the head insurance company collected on the 28th, and the specific amount is subject to the actual quotation of the local insurance department.
NIO's worry-free package ensures that you have no worries
Weilai's reaction to this incident was also very rapid. On the evening of December 29, WEILAI held a communication meeting on exclusive insurance for new energy vehicles. Unlike the way Xiaopeng directly posted the data, Weilai said that the 2021 version of the user worry-free package provided by the company to users, including premiums and related service rights, remained unchanged after the car insurance premium was changed. For worry-free packages that do not include the cost of insurance, the cost will be adjusted accordingly according to the pricing of the insurance company.
A service operation person in charge of Weilai Automobile said in an interview: "After we saw the information transmitted on the Internet, we also looked for the insurance companies we cooperated with to consult for advice, according to the feedback of various insurance companies, the information of the network map is inaccurate, of course, the absolute value of the feedback they give us is high and low, but it is certainly not so outrageous as the network transmission." ”
He said that from the current monitoring of Weilai Automobile, the premium has risen and fallen, and the current monitoring data amplitude is about 10%.
Tesla template reply
Tesla, which has the largest premium increase, reacted the most calmly. In an interview with the media, the company said: "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 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 also said that from the latest December 30 statistics, Tesla vehicle premium increase to the national average of about 10%, more concerned high-performance model premiums, the increase in the national average within 20%, the specific amount please refer to the local insurance company quotation prevails.
Car insurance companies have something to say
This time the premium of new energy vehicles has risen, and car companies, car insurance companies and consumers are involved, so car insurance companies also have something to say about this incident.
A dealer of new car manufacturing forces said that after the launch of new energy vehicle captive insurance, the premium did rise, and they calculated that after the launch of new energy captive insurance, the difference in new car insurance was between 500-1000 yuan, an increase of about 10%.
According to a large property and casualty insurance company car insurance person, the new energy exclusive car insurance products and fuel vehicles have risen and fallen compared with the premium, and some models have indeed increased prices, but a variety of factors need to be considered in the pricing of car insurance, even if the premium changes of the same model of each new energy brand will be different.
At the same time, some relevant practitioners said that compared with the previous use of fuel vehicle insurance clauses, the "three electric" systems (batteries and energy storage systems, motors and drive systems, and other control systems) in the core part of new energy vehicle insurance are included in the scope of insurance, and vehicle damage during vehicle driving, parking, charging and operation are also included in the scope of insurance; and three new energy vehicle-specific additional insurances have been added: additional external grid fault loss insurance, additional self-use charging pile loss insurance and additional self-use charging pile liability insurance. In summary, the difference in the scope of protection between fuel vehicles and new energy vehicles also makes the comparability of car insurance premiums under the two clauses decrease.
The people evaluate the car
The rise in new energy car insurance costs is a negative event for car companies, but the rapid response mechanism can indeed eliminate some adverse effects. Car companies say that their premium increase is not very exaggerated, consumers should not panic; car insurance companies say that the commercial insurance of new energy vehicles and commercial car insurance terms are not comparable because of the different coverage.
However, for ordinary car owners, spending money to buy protection is a market behavior, the problem is that insurance companies and car companies jointly protect and implement insurance terms, protect the legitimate rights and interests of consumers, so as to promote the healthy development of the entire market.