After several rounds of fast charging and battery technology development, the "electric daddy" with slow charging and short battery life has finally pulled in some distance from the owner. However, the launch of exclusive insurance for new energy vehicles has once again pulled electric vehicle owners down the abyss.
Some netizens said that after only four days, the premium of their Model Y rose from more than 8,000 to 14,000, an increase of 80%.
Not only Tesla, but also new energy vehicles such as Xiaopeng and Ideal Weilai have experienced different degrees of premium increases.
Last year, people asked me why I bought an electric car, and I can also say that because the car is cheap, I can only say that because of the green card, all the oil money saved is handed over to insurance.
Previously, the volume of new energy vehicles was small, and the insurance of fuel vehicles has been used. However, the increase in sales of new energy vehicles in the past two years is certainly unreasonable to follow the old scheme. Therefore, the exclusive insurance of new energy vehicles was born.
According to the data of the national regulatory platform, the failure rate of new energy vehicles is much higher than that of fuel vehicles, and new energy vehicles are basically surrounded by various sensors, and maintenance costs are high. According to shenwan hongyuan report data, the current loss ratio of new energy vehicle insurance is close to 85% on average, and the industry is facing greater underwriting loss pressure.
For some models with higher payout ratios in the past, insurance companies will increase premiums to avoid excessive losses.
In the Us "Consumer Report", tesla's reliability in 2020 is at the bottom, and the failure rate of Tesla abroad is not low. Tesla, which is also hung on the hot search every day in China, if the premium does not rise, it is called strange.
Of course, not all new energy vehicles have seen such an outrageous increase, and there are also some models with declining premiums. But basically, the premiums of mainstream new energy vehicles have risen by varying margins.
The rise in premiums also indicates that the compensation standards for new energy vehicles are also clearer
Compensable for spontaneous combustion (including driving, parking, charging and operation)
Batteries and energy storage systems, motors and drive systems, and other control systems are reimbursable
Charging pile failure, loss can be compensated (additional insurance)
……
If there is no cost advantage in using the car, is the last straw for new energy vehicles a green card?
Most of the user groups of new energy vehicles are in first-tier /new first-tier cities, and the green card will become just needed. But in Beijing, a new energy vehicle license plate already needs to be scheduled until 2027. Although Shanghai still maintains the excellent tradition of buying new energy vehicles to send cards, from New Year's Day 2023, the hybridization of plug-in and range-extended range will no longer send green cards. And what time plate does the electric vehicle have? It is estimated that it will not be far away.