Officials, 2022 is good
This is the first push of the year
We reporter ponies to everyone
Bring a gossip!
Hey hey, want to listen, right?
Car owners should pay attention
The key word is Tesla
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New energy vehicle captive insurance everyone know wow?
In November last year, there was news on the head, And Xiaoma ran several insurance companies to do interviews with the other party said that after having new energy vehicle insurance, Tesla's premiums look like they are going to rise, Weilai should also rise, and the increase is not small.
On this matter, the head insurance company has blown the wind with Tesla, but Tesla has not paid attention to this matter.
But more than a month later
You should have all seen it
Tesla "blew up"
Because some users broke the news online
Say your premiums will rise by 80% in the coming year
Jump from less than ten thousand directly to nearly fifteen thousand!
So did Tesla's premiums go up?
Judging from the conclusion, it has indeed risen
New car premiums generally range from 10% to 20%, and some insurance companies have higher pricing, more than 20%.
But overall, no 80% is not so exaggerated, the buddy who rose by 80% should have taken out insurance multiple times in the previous year and enjoyed a discount when buying in the first year.
After all, insurance companies are not charities
People want to make money
So the rate of insurance and the rate of loss
Be sure to control it at a reasonable level
The actuaries did the math
Discover the insurance rate and payout rate of new energy vehicles
It's really tall
Deng Zhibin, General Manager of Auto Insurance Department of China Land Insurance Shanghai Branch:
From our data point of view, the insurance rate of new energy vehicles is significantly higher than that of traditional fuel vehicles, from the perspective of industry calculations, the loss rate is also higher than that of traditional fuel vehicles about 10 points 10 points I think it should be a more powerful data, the loss rate of traditional fuel vehicles is about 75%, then new energy vehicles may be 85%. If the risk is high, the rate will increase appropriately.
//
Claims / Premium Income = Payout Rate
The premium is $10,000
Repair once lost 8500 yuan
Insurance companies will lose money
So it has to be adjusted
Claim coverage and premiums for new energy vehicles
However, not all new energy vehicles
Premiums are rising
Some head insurance companies revealed
Actuarial down to discover
The price of 250,000 yuan is a hurdle
Xi Yulin, Deputy General Manager of CPIC Property & Casualty Insurance Company:
Overall, it seems to have decreased, especially the pure risk rate is generally downward, but according to the price of the car, the model below 250,000, the decline is larger.
To sum up:
If the guidance price is less than 250,000, the premium will be reduced
Around 250,000, the premium is flat
High-end new energy vehicles, up 5%-15%
Why would 250,000 be a barrier?
Cars are expensive, and repairs are expensive
Well, Tesla is really the best. Take tesla model Y as an example, the degree of integration is very high, other cars crashed can also knock flat, to it here only change not repair, so the premium increase will be higher than the same level of car. Who is to blame?
The ponies who know everyone best still know
The officials had to be careful
The premium of new energy vehicles is expensive
Can I continue to insure fuel vehicles?
Sorry, no way!
Pure electric, hybrid, fuel cell vehicles must purchase captive insurance
Moreover, the exclusive insurance has increased the insurance type of the core three-electric system, and the fuel vehicle insurance is not available. Now the map is cheap, really out of danger, crying is too late.
All right, officers
XiaoBian and Xiao Pony are going to leave work in a small broken car
Remember to give the news to the friend who is driving
There is nothing to understand and question
See you in the message area
Reporters 丨Ma Jie, Lu Jun, Li Shuxin
Edited by 丨 Xinyuan
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