Source | Alphabet list
Why has new energy exclusive car insurance led to a sharp increase in premiums?
Potential new energy car owners who rush to charge than refuel have encountered a new problem before buying a car.
With the launch of new energy exclusive car insurance on December 27, the premiums of most popular brand models have increased to varying degrees. Among them, Tesla has the highest premium increase, with four of the five models with premium increases of more than 80%. Among the domestic brands, the three "Wei Xiaoli" companies have increased their premiums by 8% to 37% according to different models.
Wang Mingming, who lives in Tongzhou, Beijing, works near Guomao and has been commuting from work by subway or taxi. Trapped in the morning and evening rush hour call difficulties, the subway is very crowded, Wang Ming planned to buy a car early in the morning, helpless to shake the number.
At the end of 2021, Wang Mingming, who shook the new energy index, began to choose a car. After learning that the premium rose by 80%, she originally preferred Tesla and began to hesitate, "Commuting to work every day, the fuel cost saved is not enough for the difference in insurance, not to mention that the battery is aging much faster than the engine." ”
But not everyone cares about this magnitude of premium increases.
Li Chengliang, who began to run a ride-hailing car part-time in the second half of 2020, was originally a restaurant owner near a university in Beijing, and the repeated impact of the epidemic, coupled with the limited access of students after returning to school, the restaurant business is not as good as before.
After the Spring Festival in 2021, Li Chengliang temporarily closed the store and started a full-time ride-hailing car. In the second half of 2021, Li Chengliang, who ran a full-time online car for half a year, began to think about replacing the fuel vehicle used by pulling active use with an electric vehicle, because of fuel consumption.
"My car is 6 cents a kilometer, my friend's (electric car) is 1 cent a kilometer, more than 100 kilometers a day, and the light oil money is dozens of yuan."
Li Chengliang has always envied a friend who drives a Tesla to run a ride-hailing car. "We both run the same list, he earns dozens of yuan more a day than me, and it is more than 10,000 a year."
After several test drives, Li Chengliang booked a Tesla, and he did not change his mind when he learned that the premium had nearly doubled. "I use the car for a long time, the overall cost of the tram is still lower than the oil car, and it is comfortable to drive," Li Chengliang said, "the money is spent more but it is more at ease, if there is no insurance to renew the price will not be particularly high." ”
For the group of high-intensity car-hailing drivers, the increase in premiums is within the acceptable range.
With the launch of new energy exclusive car insurance, Tesla was sent to the hot search list.
Some netizens broke the news that the Tesla Model Y insurance cost was 8278 yuan on the 23rd, and after the implementation of the new policy on the 27th, the insurance cost soared to 14,000 yuan, an increase of more than 80%, and the premium of Tesla's other model Model 3 also increased by more than 80%.
According to the comparison chart of the premiums of new and old insurance terms of new energy brands summarized by netizens, the premiums of most popular brand models have risen to varying degrees, and the premiums of a few models have declined. Among them, Tesla has the highest premium increase, with four of the five models with premium increases of more than 80%.
It is worth noting that the premiums of brand models such as BYD and Roewe have been slightly reduced. For example, the pure electric Roewe E50, the premium after the new deal is 4548.80 yuan, a decrease of 7.21% over the previous one.
It is understood that in order to meet the needs of growing new energy car owners, new energy exclusive car insurance has made a great breakthrough in insurance liability.
Previously, the insurance terms of new energy vehicles were consistent with fuel vehicles, which did not include the "three electricity" system (battery, motor and electronic control of electric vehicles), and "three electricity" is precisely the most expensive part of new energy vehicles. Some new energy car owners told the alphabet list that they spent the money of fuel car insurance and only guaranteed a "frame".
The new energy exclusive car insurance launched this time not only provides protection for the "three electricity" in the insurance liability, but also comprehensively covers the use scenarios of new energy vehicles driving, parking and charging. In the optional additional insurance clause, additional risk protection such as external power grid fault loss and loss of self-use charging piles is added.
The new policy landed, and some people in the team of car owners can be said to be happy and some worried. The good news is that with the improvement of insurance responsibilities, their car protection is more comprehensive; the worry is that with the improvement of protection, insurance prices are also rising.
Among them, Tesla owners are the most depressed, the same new energy vehicles, Tesla premiums nearly doubled, which makes owners feel that they are treated differently.
Wang Mingming, who was ready to buy a car, noticed the "comprehensive reform of car insurance" that began last year. In the past year, the car insurance rate has been significantly reduced, and the car insurance premiums of many friends around Wang Mingming have dropped. She wondered why after the new energy exclusive car insurance came out, the premium rose sharply?
In fact, for insurance companies, before the launch of new energy exclusive car insurance, the new energy car insurance market has always been a "hot potato".
According to the China Fund News, the maintenance of new energy vehicles is expensive, the insurance rate is high, the current new energy vehicle insurance loss rate is generally more than 85%, and the industry is facing greater underwriting loss pressure.
Some people in the insurance industry told the alphabet list that although the data related to new energy vehicle insurance is not perfect compared to fuel vehicles, it can be determined that the current frequency of new energy vehicle insurance is indeed higher than that of fuel vehicles, and the maintenance cost is also higher. "The rapid development of new energy vehicle technology is greater than that of fuel vehicles," the person said, "and insurance companies are not as familiar with the downstream of new energy vehicles as they are with fuel vehicles, and it is difficult to control the cost of compensation." ”
For insurance companies, at present, in all aspects of loss determination, maintenance, claims and so on, the cost of new energy vehicles is higher than that of fuel vehicles. With the most expensive "three electricity" included in the scope of insurance liability, the price increase of new energy vehicle insurance is not unexpected.
According to the China Fund News, some industry insiders pointed out that some drivers with poor driving habits, models with a high frequency of insurance, and models widely used in online car-hailing have a payout rate that far exceeds that of ordinary new energy vehicles.
The higher the payout rate and maintenance costs, the higher the price of car insurance. Industry insiders said that Tesla uses an all-aluminum integrated body, which can only be replaced as one after the collision, which greatly increases the cost of maintenance; in addition, in recent years, Tesla accidents have occurred frequently, and the DATA of the US "Consumer Report" released in November shows that tesla's reliability ranking in 2021 is the second-to-last reliability ranking, only higher than Lincoln.
After experiencing many price cuts, Tesla is becoming more and more in online ride-hailing cars. Li Chengliang told the alphabet list that among the drivers he has known since entering the industry for a year, one or two out of ten people drive Teslas.
According to China Fund News, insurance companies currently underwrite Tesla, and for every 1 yuan premium received, they have to pay 1.4 yuan. In the context of comprehensive reform of automobile insurance, the profit margins of insurance companies have been further compressed, and the price increase of automobile insurance is also reasonable. This also explains the doubts of Wang Mingming and the vast majority of prospective owners who want to buy Teslas.
Some auto industry insiders told the alphabet list that the price increase of new energy exclusive car insurance will indeed affect some people, such as some Tesla owners, but the impact is not large for potential purchase owners of more expensive models priced at more than 400,000 yuan. "The price of the car itself is very high, and the increase in the price of car insurance does not have much impact on the owner, but the owner feels more at ease driving."
At the same time, the person said that the insurance price can anchor the quality of new energy vehicles to a certain extent, and the increase in insurance prices means that the insurance rate is high or the maintenance cost is expensive. "Fuel vehicles are familiar to everyone, but also to give customers to compare; and some new energy vehicles we know that it has some problems, but it is not good to explain to customers, now the insurance price is better to explain more, what car quality is good or bad, at a glance."
Copyright declaration: Where the content of this public account indicates [original], the content copyright belongs to the author, the pictures and text content that are not marked [original] are reproduced from the network, the copyright belongs to the original, if the pictures and text are infringing, please inform us, we will delete it immediately. Thank you!