A few days ago, a Tesla Model Y owner posted its insurance policy on the Internet, compared with the 8278 yuan premium on the 23rd, the time was only 4 days, on the 27th, the premium has risen to 14,900 yuan, the amplitude is more than 6,000 yuan, an increase of more than 80%, the owner also said: "The fuel money saved has all become insurance." As soon as this post was published, it was "a stone stirred up a thousand waves" on the Internet, and netizens questioned the safety of Tesla Model Y, thinking that it was the safety flaws of this car that led to a sharp increase in its premiums.
I have also consulted industry insiders, the answer is: due to the tesla Model Y part of the price increase, resulting in a certain range of premiums increased, in addition, Tesla Model Y this model maintenance cost is high, the loss rate is more than 85%, and the insurance rate is higher, the joint action, only led to its premiums rose sharply, as for the problem of safety and insecurity, this is not the insurance company needs to consider the problem, but the owner needs to consider the problem, we (insurance companies) to do is in accordance with big data, For example, the insurance rate, the loss rate, the maintenance cost, etc. comprehensively calculate its reasonable premium, so as to make adjustments.
Of course, there is no wind and no waves, netizens question the safety of Tesla Model Y should start from its "brakes can not be braked". Generally speaking, cars have a gas pedal and brake pedal, they are two sets of diametrically opposed systems, one is to "run", one is to "stop", and Tesla is actually a new throttle brake system, essentially a throttle brake integrated design, but in order to be more in line with people's car habits, it still sets the accelerator pedal and brake pedal, from the design theory, Tesla should have only one throttle pedal, no brake pedal, the more fierce the throttle, the stronger the power output, The more fierce the throttle is loosened, the more obvious the braking effect, so when you step on the brake pedal, you are actually loosening the accelerator pedal, and this design principle causes its "point brake" effect to be inconspicuous.
There is another reason, Tesla's power output is almost in line with the performance of the car, such as Tesla Model Y Performance high-performance all-wheel drive version, can do 3.7 seconds that is, to break the hundred, performance and BMW M5 is very close, to know that BMW M5 is equipped with a 4.4T V8 twin-turbo engine, the price is as high as 1.4389 million yuan, and Tesla Model Y Performance high-performance all-wheel drive version is only 387,900 yuan, cheaper than the BMW M5 more than 1 million, the performance is very similar, which makes it difficult for many car owners to grasp its power output, think tesla Model Y is just a "grocery car", a foot on the accelerator, the speed will come up, want to brake when it is too late, the faster the speed, the longer the braking distance, it will inevitably cause the phenomenon of "braking".
It can be seen that the sharp rise in Tesla Model Y premiums is only the result of the new energy vehicle captive insurance on the 27th, the insurance company referred to its insurance rate, loss rate, maintenance costs and other big data after the premium increase measures, as for its safety and unsafe problems, but also depends on the owner's familiarity with the car, master its power output characteristics and throttle brake integrated design, I believe that driving it will be more experienced. So, what do you think about the Tesla Model Y?