Previously, when new energy vehicles were insured for car insurance, they were in accordance with the standards of traditional fuel vehicles. However, new energy vehicles have special characteristics in batteries, drive motors, electronic control systems, etc., and if the insurance regulations for fuel vehicles are applied to new energy vehicles, their coverage is not comprehensive enough. Especially for the thermal runaway risk of new energy vehicles, the insurance regulations have the problem of imperfect protection of rights and interests.
On December 27, the new energy vehicle exclusive insurance product was finally launched. It's just that there are special insurance rights, but the premiums can rise a lot. Some netizens even joked that all the oil money saved was handed over to the insurance company.
Some netizens posted a set of screenshots of Tesla Model Y premiums, 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%.
However, the premium increase for Model 3 owners of the same brand is much smaller. Some car owners said that the cost of renewing the new energy exclusive car insurance before the shelves was 4700 yuan, while the premium became 5500 yuan after the exclusive car insurance was on the shelves, and the increase of 800 yuan was acceptable, but the fuel cost saved by the electric vehicle became a premium.
The premium increase of high-end electric vehicles of domestic brands is not small. Among them, the car insurance of Tesla models has basically risen by more than 100%, while the car insurance of Xiaopeng Automobile has risen by 54.98% at the highest, increased by at least 24.77%, and the total premium has risen by between 16% and 37%. Ideal, Weilai Automobile's premium price increase is also similar.
What is the reason for the sharp rise?
As we all know, new energy vehicles have greater differences than traditional cars in many aspects such as power system, body structure, maintenance, and use scenarios, so their characteristics of insurance and the factors causing accidents also have certain particularities.
In addition, compared with traditional fuel vehicles, the scope of liability of exclusive car insurance for new energy vehicles has been further expanded. In view of the high risk of spontaneous combustion of new energy vehicles, the high damage rate of motors, batteries, and electronic control systems, as well as the charging frequency and the risk of accidents during charging, the exclusive insurance of car insurance provides special insurance items.
The new exclusive additional insurance for new energy vehicles, namely the "fire accident limit double insurance", that is, the third-party liability insurance of new energy vehicles, can double the compensation for fire accidents of new energy vehicles, up to 4 times, which can fully meet the claim needs of new energy car owners after accidental fires.
Due to the greater changes in the types of insurance for new energy vehicles, the insurance rate of new energy vehicles is much higher than that of traditional fuel vehicles, and the proportion of new energy vehicles with high prices is relatively large, and data show that only more than 200,000 new energy vehicles account for 30%, which also determines that the premium of high-end new energy vehicles will be raised.
Is proprietary insurance a new trend?
In August last year, Tesla has officially established an insurance brokerage co., LTD. in China, and it is possible to launch Tesla's own car insurance in the future, and unlike traditional car insurance, Tesla launched UBI car insurance, that is, car insurance based on the user's real-time driving behavior.
For example, the frequency of the driver's sharp braking, how far away from the car in front of the car and other data can be collected in real time through the sensors in the car, so as to score the driver's safety factor and formulate the most reasonable premium amount, that is, the "thousands of people" premium personalized customization model. According to Tesla officials, the average car owner can save about 20% to 40% of the premium, and the driver with the safest driving behavior can save 30% to 60%.
JianghuJun suggested that friends who have the need to buy new energy vehicles can wait and see. With the smooth operation of new energy exclusive car insurance, the overall price will still be reduced. After all, the development of new energy vehicles is imperative, and the future system will be more perfect. Finally, throw a question, how much higher is the price of new energy vehicle insurance than fuel vehicle insurance, will you accept it?