On December 27, 2021, the captive insurance of new energy vehicles was officially launched, before that, many car owners were worried about the maintenance of the car.
Recently. The most important thing about electric vehicles is the battery, there are not a few cars that have been recalled due to battery problems, and abnormal accidents of new energy vehicles also occur frequently. The history of domestic fuel vehicles is relatively long, the problem of car insurance has always been based on fuel vehicles to be prescribed, with the continuous development of new energy trams, the market is gradually expanding, and the country urgently needs to introduce an exclusive car insurance for electric vehicles. The new energy vehicle insurance introduced on December 27 includes fuel cell vehicles, pure electric vehicle models, plug-in hybrid models and other models, and the premium has also increased. Some netizens complained about this: buying a new energy vehicle is no different from buying a fuel vehicle, the fuel vehicle should be refueled, and the premium paid by the electric vehicle will be used as fuel money. "Three electricity" can be insured, "spontaneous combustion" can be compensated, the highest insurance amount of ordinary automobile third liability insurance is 10 million, while the exclusive insurance of new energy vehicles is as high as 40 million.
The picture shows the new energy vehicle
The first to bear the brunt of the increase in premiums is Tesla motors, some owners said that the car insurance he bought in the insurance company rose by 80%, 5,000 instantly rose to 12,000 yuan, the loss directly doubled, the introduction of the exclusive insurance, so that the Tesla a variety of cars the car loss has increased by 114%. Originally, most new energy car owners considered saving some fuel costs and making it more convenient before buying trams, but the introduction of this policy made most new energy car owners want to abandon new energy vehicles. On the one hand, car owners consider the problem of high accessories costs, the scarcity of parts for new energy vehicles, and the immature development of the supply chain; on the other hand, the maintenance cost of new energy vehicles is very high, and replacing a battery is hundreds of thousands at every turn, and you can buy a fuel truck.
There are many people on the Internet who are glad that only a few models such as Tesla have increased their prices, in fact, the real situation is that this is just the beginning, and the price increase for Tesla and P7 is just a test, and the large increase in electric vehicle premiums in the near future is inevitable. The probability of spontaneous combustion of electric vehicles is much higher than that of fuel vehicles, and the spontaneous combustion time is in the front, and many cases of spontaneous combustion of electric vehicles are within two years of the age of the car. Many people complain that a certain luxury brand has a high zero-to-whole ratio, in fact, what they don't know is that the highest zero-to-whole ratio is actually an electric car! There are two reasons why there are actually no feelings: one is that there are subsidies when electric vehicles are sold, and the second is that the manufacturer promises the battery ultra-long warranty, but this so-called ultra-long warranty is also limited to normal use, if it is an abnormal situation that causes damage to the battery outside the manufacturer's warranty, the list price of replacing the power battery is very high, and most of these risks are borne by the insurance company (because from 19 years on, the vehicle spontaneous combustion insurance has been incorporated into the main insurance of the car damage)! Therefore, the warm boiled frog of electric vehicles has just begun.