Cui Dongshu of the Association of Passenger Vehicles: New energy vehicles cannot be afforded and cannot be afforded, and car companies are encouraged to set up their own insurance

IT Home News on January 4, the Ministry of Finance and other four ministries and commissions recently issued a notice that in 2022, the subsidy for new energy vehicles will be reduced by 30%. Therefore, some manufacturers have begun to increase prices.

In addition, the first batch of new energy vehicle captive insurance has been officially launched on the new energy vehicle insurance trading platform on December 27 last year, and the first batch of new energy vehicle exclusive insurance products of 12 property insurance companies such as PICC Property & Casualty, Ping An Property & Casualty, and CPIC Property & Casualty insurance have provided support for the landing of new energy vehicle captive insurance products. Affected by this, a large number of new energy vehicle premiums have changed.

For this situation, Cui Dongshu, secretary general of the Association, pointed out that the introduction of new energy vehicle insurance is a good thing. However, the increase in cost is high, and the fuel money saved by new energy vehicles may have to pay insurance, resulting in new energy vehicles that seem to be not cost-effective, forming a phenomenon that cannot be afforded, which is not conducive to the promotion of new energy vehicles. Therefore, car companies should establish their own insurance varieties, the industry should have more accurate insurance calculations, and the state should also support reasonable subsidies for insurance costs.

According to the relevant person in charge of the China Insurance Industry Association, in terms of insurance liability, the exclusive clause not only provides protection for the "three electricity" system, but also comprehensively covers the use scenarios of new energy vehicles driving, parking, charging and operation.

New energy vehicles, especially pure electric vehicles, a very important source of risk is battery fire. According to incomplete statistics, more than 250 new energy vehicle fire accidents have occurred in the past three years, and the causes of fires include three situations: charging process, driving and parking. As can be seen from the main insurance liability of the exclusive clause, the liability for fire and combustion is already included in the accident clause.

In addition, whether the battery belongs to the category of car damage is also a controversial place in the actual operation of underwriting claims. The main insurance liability of the exclusive clause clearly states that it includes the body, battery and energy storage system, motor and drive system, other control systems and all other equipment at the factory.

At the same time, compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles also increases the charging process.

It is estimated that nearly 80% of new energy vehicles are insured under the same exclusive terms, and premiums are flat or declining. As for the other 20%, mainly some high-end new cars, the premium will rise.