New energy car insurance online 3 days: Tesla premiums rose 80% on the hot search Weilai said that the amplitude is within 10%.

Economic Observation Network reporter Zhou Ju On December 29, on the third day after the launch of the new energy exclusive car insurance trading platform, the entry "Tesla premium increased by 80%" appeared on the Weibo hot search list. According to the quotation of the same Tesla ModelY exposed by netizens, the total cost of insurance on December 23 was 8278 yuan, and on December 27, the total cost of 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.

According to media reports, Tesla customer service responded that the increase in premiums is mainly caused by the rise in the new deal of getting off the car loss insurance, and is communicating with customers. At the same time, some netizens have sorted out that the premium increase of Weilai and ideal models with higher prices is also more obvious, with a high increase of 50% (there are also some models whose total premiums have declined).

On December 27, 2021, the China Insurance Industry Association New Energy Vehicle Commercial Insurance Exclusive Clause (Trial) (hereinafter referred to as the "New Clause") was officially launched, and all new energy vehicles must be insured with new energy vehicle insurance. In terms of insurance liability, the new policy provides protection for the "three electricity" system, and adds some provisions to cover the use scenarios of new energy vehicles driving, parking, charging and operation.

According to the "Explanation on the Adjustment of the Pure Risk Premium Table of the Benchmark Pure Risk Premium Table of the Exclusive Products of New Energy Vehicle Commercial Insurance" (hereinafter referred to as the "Explanation"), compared with the current benchmark premium of traditional automobile insurance, the benchmark premium of the three insurances and vehicle damage insurance of new energy vehicles has decreased by about 0.8% as a whole compared with the current benchmark premiums of traditional car insurance. For a time, the premium of new energy vehicles has not decreased but has risen, which has become the focus of attention in the industry.

However, some new energy vehicle companies quickly stood up and said that the increase in the premium of new energy vehicles was not as exaggerated as the online rumors. "After we saw the information transmitted online, we consulted the cooperative insurance companies for the first time, and the feedback of various insurance companies was inaccurate. Of course, the feedback (premium) value given to us by each family is high and low, but it is certainly not as outrageous as the (increase) of the Network. On December 29, on the third day of the launch of the new energy vehicle insurance trading platform, WEILAI held an online media communication meeting on the topic of new energy vehicle insurance, and the head of its service operation department denied that its customers' premiums had risen sharply in an interview with the media.

The person in charge pointed out that since December 27, after 3 days of monitoring, its user premiums have indeed fluctuated, but the fluctuations are high and low, because if it is a non-new car, the premium is related to the number of accidents of the vehicle and the violation. "Some models may have lower premiums than the original, but some models are higher. Overall, we are currently monitoring the amplitude is not large, about 10% or less. The person in charge said.

At the same time, Weilai pointed out that for the change of the overall premium, because the implementation time of the new policy is still relatively short and the sample is relatively limited, Weilai is also continuously evaluating the impact of the policy, and the insurance company maintains communication. "It should be a consensus that the pricing (of the overall premium) will be slightly higher, but how much higher it is, we can't draw conclusions at this time, because it has more influencing factors." Weilai pointed out.

For NIO's customers, NIO said that it will not be affected by the new energy vehicle insurance policy at present, and in the case of adding three additional insurances of the new policy, car owners will continue to enjoy the 2021 version of the "service worry-free" and "insurance worry-free" package prices provided by NIO. In NIO's current "worry-free service" package, it includes five insurances, including compulsory traffic insurance, third-party liability insurance and car damage insurance, and the price varies according to the different models of vehicles, between 11600 yuan and 13600 yuan. The pricing of "Insurance Worry-free" is the insurance fee + 1680 yuan for WEI exclusive services, of which 1680 yuan is for Weilai exclusive service fees.

NIO said that the pricing of the new purchase of the "Service Worry-free Package" by customers remains unchanged, and at the same time, it 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; users who are still in the "Service Worry-free" 2021 version of the service period do not need to purchase three additional insurances in the new terms, and the current "Service Worry-free" will contain the corresponding protection content.

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 change is related to the user's region, violation records, past insurance situations and other factors; users who are still in the "Insurance Worry-free" 2021 version of the service period, accident claim rights and experiences are no different from the main insurance of the new terms.

"At present, the situation is different in different places, and the premium adjustment of WEILAI models is not large overall, and we will continue to pay attention to the subsequent price changes." Weilai said. It is reported that the 2022 edition of Weilai's "worry-free service" is under discussion and is scheduled to be launched in March next year. In the case of the implementation of the new premium policy, it is expected that there may be price fluctuations at that time.

It is reported that after the launch of the new energy captive insurance platform, some insurance companies have suspended the insurance application service for new energy vehicles due to the sudden implementation of the new policy and the relatively high compensation rate of new energy vehicles. For this situation, WEILAI said that none of the insurance companies it currently cooperates with have such a situation. "Some insurance companies may not do new energy business, which we can't control, but at least the big insurance companies we work with have cooperated with us very smoothly." The head of THEO service operation department said.

At present, since the sample is still relatively small, the actual benefits of consumers after the landing of new energy vehicle captive insurance remains to be seen. The "Explanation" shows that the rise and fall of car insurance and the amplitude may also be related to the price of the car. The document points out that new energy vehicles with vehicle prices below 250,000 do not increase fees, and narrow the limit on the increase and decrease of rates. That is, new energy vehicle models below 250,000 yuan only fell and did not rise, and models above 250,000 yuan rose partially. This means that the impact of the new insurance policy on mid-to-high-end models such as Weilai, Ideal, and Tesla may be relatively large. However, the actual situation still depends on the specific situation.