Business Guide: Some people do the business of killing heads, but no one does the business of losing money.
Recently, the China Insurance Industry Association published the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (Trial)" on its website.
It certainly seems like a good thing, and the association summarizes three benefits:
The first is a diversified insurance scenario. Combined with the characteristics of charging new energy vehicles, the "Clause" develops the "Self-use Charging Pile Loss Insurance" and "Self-use Charging Pile Liability Insurance", which not only covers the loss of the vehicle, but also includes the loss of auxiliary equipment such as charging piles and the property losses and personal injuries that may be caused by the equipment itself; and concentrates on solving the risks caused by auxiliary facilities in the application of new technologies.
The second is customized insurance liability. The "Articles" use a listed expression to highlight the structural characteristics of the "three electricity" system of new energy vehicles. Such as batteries and energy storage systems, motors and drive systems, etc., the text content is clear at a glance, which is convenient for consumers to read and understand.
The third is humanized insurance protection. Combined with the risks in the charging process of new energy vehicles, the "Additional External Grid Fault Loss Insurance" is designed to cover vehicle losses caused by external power grid transmission and transformation faults, current and voltage abnormalities, etc., and to disperse risks through the insurance mechanism.
Of course, these benefits are paid, people are the same, when listening to the benefits are full of light, listening to the bill when the legs sift chaff.
However, some netizens exposed that the same Tesla Model Y, the cost of insurance on the 23rd was 8278 yuan, and after the new deal on the 27th, the insurance cost soared to more than 14,000 yuan, an increase of up to 80%.
Some netizens posted the Tesla Model3 P official website premium, the original 8,000 yuan or so, now the official website 18,000 yuan. Netizens said that the car was picked up a day late, the premium rose by 10,000 yuan, and the car was not in the mood. Repent of crying...
When this news came out, netizens expressed their calmness, anyway, the fuel money saved must also have a place to come out. Originally still worried about where this money was spent, now finally do not have to worry:
Some netizens wisely said that the price increase is because of more insurance, originally electric vehicles are easy to break, the front is broken to find manufacturers, and now there is insurance, only to find an insurance company.
Netizens are indeed invincible! There are also technical factions in the industry analyzing why electric vehicles cost money.
Property and casualty insurance industry insiders said that the policy cost of new energy vehicles is mainly reflected in two aspects, one is that maintenance is expensive, and the other is that the insurance rate is relatively high. At present, the loss ratio of new energy vehicle insurance generally exceeds 85%, and the industry is facing greater underwriting loss pressure.
In this price adjustment, why is Tesla's price increase the highest?
Tesla models of car insurance are basically up more than 100%, while Xiaopeng Motors' car insurance rose by 54.98%, at least 24.77%, and the total premium rose by 16%-37%.
According to netizens, Tesla's claim rate and claim amount are too high, reaching 1:1.4, which is equivalent to charging a dollar premium to lose 1.4 yuan, so the premium price of Tesla's entire series of models has increased.
Industry insiders also said that tesla because it is the use of all-aluminum integrated body, after the collision is not easy to sheet metal repair, can only be replaced as one, after the insurance the amount of compensation is more expensive than other models. In fact, in recent years, Tesla cars have had frequent accidents, not only in China, but also in foreign countries Tesla cars are also problematic.
A few days ago, the US authoritative organization "Consumer Report" launched the 2021 car reliability survey report, Tesla's performance is the same as last year, the second to last reliability, only higher than Lincoln Car. J.D。 Power's data also shows that tesla cars have a very high failure rate.
A simple summary is that it is easy to break and the integrity is strong, so it will lose more. The loss of more natural premiums will rise, it seems that the theory of "paradoxical in and out" is also true in the field of electric vehicle premiums.
Well, familiar, know my friends know that I completely do not support electric vehicles, too many problems, the chain is too long, the surface of the knot of that bit of energy, can not compensate for the production of consumption and pollution. The reason is very simple, just use the energy conversion rate to know.
The vast majority of our electrical energy still comes from coal combustion, which produces heat to produce steam to drive steam turbines to generate electricity, and then transmit it through the high-voltage grid, which is consumed at every step. Why not directly use the engine to burn fossil energy in the car to drive the internal combustion engine to drive the car, the energy density and energy loss of the two, you only need to have the initial Chinese, you can judge the energy conversion rate is high.
Therefore, the energy density of the same volume battery is only 1/10 of that of gasoline. With a 50-liter mailbox, equal to a 500-liter volume battery, how big is your car? The whole car would hate to be a big battery board, right? The chassis of the Tesla Model Y test body is a large battery board.
You actually dare to sit on such a whole battery and drive, which is very powerful.
In the field of electric vehicles, Tesla technology has been counted as a ride, if compared according to combat effectiveness, Tesla's combat effectiveness is 100, and other electric vehicles are estimated to not even 40.
The business of killing heads is done by someone, and the business of losing money is not done by anyone. The insurance company is not stupid to give you the money to repair the car and lose the car, and now this kind of increase must be the result of the actuary's actuarial calculation.
Isn't the attitude of the insurance company clear enough?
Everyone pay attention to the WeChat rules have changed, and not all those who pay attention to us can receive messages. If you don't want to miss the daily article, please click "Watching" and "Like" at the bottom to thank you for support
About this article
Author: Lao Feng 1974
Source: Fengyu Finance (ID:saint-says)
The article is the author's independent point of view, and the copyright belongs to the original author and the original platform. Unauthorized reproduction is not permitted.