Overnight, 80% soared?! New energy car owners are in a hurry: the fuel money saved has been posted back!

"The premium of new energy vehicles has risen! What's the situation in Ningbo?" After the launch of the new energy vehicle exclusive insurance product on December 27, some netizens inquired on the mass message board of China's Ningbo network minsheng e-dot pass. At the same time, this topic has also become a big hit on Ningbo's major new energy car owners and social media. In particular, some netizens said that Tesla's premium rose by 80% overnight, which stimulated the sensitive nerves of the majority of new energy vehicle owners.

Tesla Model Y premiums grew 80%. (Weibo screenshot)

It is understood that on December 27, 2021, the Exclusive Clauses of New Energy Vehicle Commercial Insurance of The China Insurance Industry Association (Trial) (hereinafter referred to as the "New Clauses") was officially launched, and all new energy vehicles must be insured with new energy vehicle insurance.

So, what is the situation in Ningbo?

Is the increase really that scary?

Yesterday, the reporter visited a number of stores,

Contacted the insurance company,

Insurance costs for new energy vehicles in Ningbo

An investigation was conducted.

Netizens:

I wanted to save money on fuel, but now I'm posting it back

The unexpected price increase made netizens a little sad. Everyone thinks that the fuel money saved by this may have to be posted back.

Netizen "Xiao Xiaojing" said that he originally wanted to buy electric vehicles to save fuel money, and now the premium has risen by five or six thousand a year, and he has to paste it back.

Netizens "today's cloud is really beautiful" calculated an account: 10,000 yuan premium, this year is 18,000 yuan, more than 8,000 yuan a year. A month is 700 yuan. Driving a 2.0T car to commute to work, a single trip of 20 kilometers can not use 700 yuan of fuel costs, right?

Netizen "Spider Child" said that he waited for half a year in order to buy Xiaopeng P5, and now it is difficult to notify the car, it is said that the car insurance premium is 50% higher than before, and the car is afraid to mention.

A Tesla owner also broke the news that his Model Y P version, the day before to see the commercial insurance is more than 9,000 yuan, the same day became 7100 yuan, so also decisively bought, but still more than 2,000 yuan more expensive than before.

More auto bloggers broke the news that the key reason for the price increase is that the insurance company cannot make ends meet, and the overall insurance payment amount of domestic new energy vehicles is too high, and the insurance cost needs to be increased to avoid losses.

Reporter Investigation:

The gains are not as exaggerated as those spread online

Since December 27, the new energy vehicle exclusive insurance was officially launched, of which Ningbo also began to implement on the same day, in the future, new energy vehicle owners can only purchase new energy vehicle exclusive car insurance.

On December 30, the reporter visited a number of new energy vehicle sales stores in Ningbo city and found that the premium of new energy vehicles has indeed increased, but the increase is not as exaggerated as the internet rumors.

In a Tesla car sales store in Yinzhou District, the staff said that the two models currently on sale, Model Y and Model 3 premiums have increased to varying degrees.

"I don't know much about the premium of 14,902 yuan on the Internet, there may be a gap between different cities, and different insurance companies are also different." Taking more than 280,000 Model Y basic models as an example, the premium has changed from less than 8,000 yuan before to 9,000 yuan now, and there are more than 1,000 adjustments. The staff said that the model Y's high-endurance version and high-performance version of the premium will be adjusted more, but it will not rise by 80%. This has to wait until the car is delivered, enter the owner information, and the insurance company can give an accurate quotation.

Subsequently, the reporter visited Xiaopeng, BYD, Volkswagen and other new energy vehicle sales stores, and found that the premium increase of new energy vehicles sold in these stores ranged from several hundred yuan to about one thousand yuan.

According to a staff member in the BYD car store, the premium of several models they mainly promoted increased by only a few hundred yuan, and while the premium was raised, the scope of protection was also expanded, including insurance projects for charging piles and power grids. When asked whether customer purchases have been affected recently, the staff member said, "At present, few customers ask about the increase in premiums, but they ask more about the "subsidy decline" of new energy next year." ”

Subsequently, the reporter called the car insurance telephone numbers of many insurance companies such as Ping An, PICC, and Taibao, and many salesmen said that the premium of new energy vehicles did have a certain increase.

A staff member of Ping An Auto Insurance told reporters that at present, household vehicles with less than 9 seats are mainly based on the total price of the car, according to the depreciation coefficient and other factors to determine the premium, the price range, brand, configuration is different, the premium price is also different, so there is no way to say whether the overall premium must be rising or falling.

Staff said that some of the lower-priced vehicles did not rise high, and some even decreased. In addition, additional insurance about charging pile loss, charging pile liability, external grid failure these insurance, are optional, not mandatory insurance.

Why have premiums risen?

The reporter learned that in terms of insurance liability, the New Deal provides protection for the "three electricity" system, adding some provisions, which not only provide protection for batteries, motors and electronic control systems, but also comprehensively cover the use scenarios of new energy vehicles driving, parking, charging and operation. Compared with the original use of traditional fuel vehicles, the scope of car insurance protection is more comprehensive.

An industry insider told reporters that the increase in new energy vehicle insurance premiums mainly involves some high-end new cars, mainly models of more than 250,000 yuan. The increase is mainly due to cost reasons, such as the loss rate of new energy vehicles is much higher than that of fuel vehicles, and car insurance companies must control this part of the cost; in addition, the maintenance cost of new energy vehicles is also expensive; in addition, the scope of exclusive insurance protection for new energy vehicles has been expanded, which has led to the increase in the premium of some new energy models.

Source: Ningbo Minsheng e-Diantong