For new energy vehicles this year seems to be destined to be extraordinary, first of all, the official launch of new energy vehicle exclusive car insurance, so that many new energy models of insurance costs have a certain range of rise, and then announced that this year's new energy vehicle subsidy standards to 2021 on the basis of the decline of 30%, but for this policy, most car companies are not eager to raise prices, the popular BYD car is also one of them, the reduction of subsidy standards did not affect the market terminal price of BYD pure electric vehicles. So, what impact will the launch of the new insurance regulations have on BYD's pure electric vehicles? Today, we will take the popular BYD Qin PLUS EV as an example, to see what changes will occur in the car maintenance cost of BYD Qin PLUS EV after the launch of exclusive insurance, mainly focusing on insurance costs, maintenance costs and electricity costs to analyze.
Insurance costs
After the launch of new energy vehicle exclusive insurance, most car owners have said that insurance costs have a rising trend, but in this price increase storm, there is very little news about BYD pure electric cars, and the increase in its insurance costs does not seem to be obvious, and according to the new insurance policy, BYD Qin PLUS EV as a new energy vehicle below 250,000, if there is no insurance in the previous year, then this year's car insurance quotation can be lowered.
We take the "2021 EV 500KM Premium" with the highest attention in Qin PLUS as an example, and the guiding price is 149,800 yuan. According to the basic protection of insurance to calculate, the purchase of car damage insurance needs about 2100 yuan, 1 million three liabilities need about 1630 yuan, and then calculate the 950 yuan of compulsory insurance, then the first year after the purchase of Qin PLUS the insurance cost is about 4680 yuan, if the vehicle in the later driving process did not occur accidents, then the premium will have further preferential treatment, according to the standard premium of the second year 20% off, the third year 30% off to calculate, Then the insurance cost of Qin PLUS for three years needs a total of about 11045 yuan, and the average annual cost is about 3682 yuan on insurance, which is basically no different from the previous insurance cost.
Maintenance costs
According to the maintenance manual, the first insurance of the BYD Qin PLUS EV is carried out at 12,000 kilometers, and in addition to the inspection of the three-electric system and the chassis, the air conditioning filter element will be replaced free of charge. After the interval of maintenance intervals of 12,000 kilometers, of which the inspection of the air conditioning filter element and the three-electric system is carried out every 12,000 kilometers, the cost is about 320 yuan; at 36,000 kilometers, the brake fluid and transmission gear oil need to be replaced, the cost is slightly more expensive, it costs about 772 yuan; in addition, when the driving mileage reaches 60,000 kilometers, it takes about 640 yuan to replace the antifreeze.
We take the family car driving 60,000 kilometers in three years as a large maintenance cycle to calculate, then the expected maintenance cost in these three years is about 2372 yuan, the average annual is about 791 yuan. It can be seen that compared with the same level of fuel models, the annual maintenance cost of Qin PLUS EV is less than half, which is not only the lack of maintenance items for new energy vehicles, the low price of accessories, but also the long maintenance cycle can also save a lot of time and money costs for car owners.
Electricity
According to the official information, BYD's "2021 EV 500KM Premium" NEDC pure electric mileage is 500 kilometers, we combine user feedback information and actual test results, the actual mileage of this car is about 460 kilometers, and the power consumption of 100 kilometers is about 12.5kWh. According to the calculation of household electricity consumption of about 0.56 yuan / kWh, then the electricity bill for driving 20,000 kilometers per year is about 1,400 yuan, which is about 117 yuan per month. However, this is the electricity bill situation under the premise of having its own charging pile, if you charge the public charging pile outside, the annual electricity bill should be doubled, but even this is much less than driving a fuel car.
summary
We add up the results of the insurance cost, maintenance cost and electricity cost calculated above, and we can conclude that the annual car maintenance cost of BYD Qin PLUS EV is about 5873 yuan, of course, this is not considering the usual small car expenses. It can be seen that although the release of captive insurance has made some new energy vehicle premiums increased, but for THE BYD Qin PLUS EV is not too big impact, the annual insurance cost of about 3682 yuan and the previous is not much different, in addition, it still maintains the advantage of saving money and worry in maintenance costs and fuel costs, and the total car maintenance cost is even more cost-effective than some pure electric models of the same level.