At the end of last year, the adjusted new energy vehicle exclusive insurance product was officially launched. Some car owners immediately said that their new energy vehicle premiums "rose sharply", and Some Tesla owners said that the premiums soared from 8278 yuan to more than 14,000 yuan overnight, an increase of up to 80%.
How big is the change in new energy vehicle insurance premiums? What is the situation of the Hainan market with the rapid popularization of new energy vehicles? New Hainan client, Nanhai Network, Nanguo Metropolis Daily reporter visited the market to learn that at present, many companies in Hainan have launched new energy vehicle insurance, premium growth does exist, but an overnight surge of 80% is just a case, under normal circumstances, the premium is related to the number of violations and insurance times of the owner. Industry insiders said that whether the premium rises or falls varies from car to car and from person to person. In the future, with the accumulation of exclusive products in the expanding market, the loss ratio of new energy vehicles will gradually return to a reasonable level.
More and more car owners are choosing new energy vehicles. Reporter Prince Haruka photographed
Hot discussion: New energy vehicle insurance premiums generally increased?
The soaring premium soon attracted the attention and heated discussion of new energy car owners, and many car owners in Hainan also posted insurance policies to discuss the rise and fall of car insurance.
"I bought a car and can't afford it" "Today's quotation came over, and it seems that the price increase is true!" In recent days, the group of car friends of Haikou Tesla owner Mr. Wang is talking about new energy car insurance, and everyone generally reflects that the premium has risen.
Haikou car owner with the network name "Peanuts" said that he recently proposed a new car, but the node of buying a car is exactly the knuckle of the new energy car insurance line, catching up with the car insurance price increase, it is very depressed, "more than 200,000 cars, the premium is tens of thousands of yuan, so who is in the mood to buy a new energy car?" The owner said that in recent times, the new energy vehicle insurance premium has undergone rollercoaster changes, some of which are lower than before, but overall, the premium of slightly more expensive cars has risen a lot compared with before.
However, some car owners said, "There is no sense of price increase, and this year's premium is less than last year's." ”
In fact, whether there is a change in new energy vehicle insurance, major car companies have recently issued explanations of the relevant situation. Among them, Tesla said that from the latest statistics, the average increase in premiums nationwide is about 10%, and the premiums of the high-performance models that are more concerned have risen by less than 20%; Xiaopeng Motors also said, "The average increase of Xiaopeng models across the board ranges from 2.9%-18.2%. The above-mentioned car companies all said that the increase in different insurance companies, different regions and different models was slightly different.
Market: New energy vehicle insurance on the line nearly 80% of policy premiums are flat or declining
What is the situation in hainan? Zhang Bo, a senior automobile salesman in Haikou, told the new Hainan client, Nanhai Net, and Nanguo Metropolis Daily reporter that the new energy exclusive car insurance does have some price increases, and the price increase models are mainly Tesla, Weilai, Xiaopeng, BYD, etc., of which the premium increase from BYD and Tesla is the most obvious. However, the price of exclusive car insurance is generally higher than before in 100 yuan to 1,000 yuan, which is not as exaggerated as the doubling of the online rumors. Zhang Bo said that the price increase of each car is linked to the risk of the vehicle and cannot be generalized.
Zhang Bo's observations were confirmed by people in Hainan's insurance industry. The reporter consulted a number of auto insurance business personnel in Hainan to learn that the premium price of the newly underwritten new energy vehicles and exclusive car insurance did rise, but only some models of premiums rose, and some low-cost new energy family car exclusive car insurance was roughly maintained at no increase or slight decline.
Manager Qian, a business personnel in charge of car insurance claims of an insurance company in Hainan, told reporters that tesla and other models generally have higher premiums, because their high insurance rates, high maintenance costs, and high prices have increased the independent pricing coefficient, so Tesla has become a representative of the premium "leading".
It is reported that at 0:00 on December 27, 2021, Hainan's "Exclusive Terms for Commercial Insurance for New Energy Vehicles (Trial)" was officially launched, the customized demonstration clauses and benchmark premium tables for new energy vehicles were fully released, and many companies such as Hainan Picc & Casualty Insurance, Ping An Property & Casualty, and CPIC Property & Casualty insurance have launched new energy vehicle insurance.
In response to the problem that new energy car owners talk about the rise in car insurance premiums, the relevant responsible person of the Hainan Insurance Association told reporters that according to the model clauses and the benchmark premium table and related instructions, new energy vehicles are insured with car damage insurance and three insurances after the terms are switched, and the overall premium is slightly lower than the premium after the comprehensive reform, "According to the calculation of BOC Insurance, 79.3% of the existing insurance policy premiums are flat or have declined, and the new energy vehicles with a price of less than 250,000 yuan are insured with car damage insurance, and the premiums will basically not rise." ”
The reporter learned that for new energy vehicles with a price of less than 250,000 yuan, the benchmark premium is not floating; for new energy vehicles with a price of more than 250,000 yuan, the benchmark premium can fluctuate up and down. That is to say, the premium of new energy vehicles has risen and fallen, and the price of 250,000 yuan is a hurdle, especially for models below 200,000 yuan, if there is no insurance information in the previous year, then most of the quotations will be lowered.
Analysis: The self-pricing factor pushes up the premium of some models
It can be seen that the higher the price of new energy vehicles, the greater the possibility of rising premiums. How did this happen?
Manager Qian told reporters that it is not possible to simply compare the premium, but also to look at the responsibility of protection. The protection liability of the exclusive car insurance of new energy vehicles has been greatly expanded compared with the insurance of fuel vehicles. "The launch of new energy vehicle exclusive insurance has made up for many gaps in the field of new energy vehicle insurance, new energy vehicle insurance includes three main insurances and 13 additional insurances of automobile loss insurance, third-party liability insurance, and vehicle personnel liability insurance, and the insured can choose all or part of the insurance." Compared with the car insurance of traditional fuel vehicles, the insurance liability of new energy exclusive car insurance is further enlarged, and it is more suitable for the characteristics of new energy vehicles, not only considering the spontaneous combustion risk of new energy vehicles, but also considering the damage risk of "three electricity" (that is, batteries, motors and electronic controls).
Manager Qian said that compared with the use process of traditional car insurance, the main insurance liability of the exclusive clause of new energy vehicles has also increased the charging process. At the same time, an exclusive additional insurance has also been set up, the "Fire Accident Limit Double Insurance", that is, the third-party liability insurance of the insured new energy vehicle, and the applicable liability limit is doubled on the basis of the insurance policy.
Of course, car owners may also face premium growth while enjoying high-quality insurance services.
According to industry policies, the benchmark premiums of new energy vehicle three insurance and vehicle damage insurance will drop by about 0.8% as a whole; while the rate adjustment coefficient = no compensation preferential treatment coefficient× traffic violation coefficient × independent pricing coefficient, of which the independent pricing coefficient is the most complex, and the insurance company will set different coefficients according to its own profit and loss and different vehicle risk conditions.
Judging from the current business situation, the loss rate of new energy vehicles is slightly higher than that of traditional fuel vehicles, and the frequency of insurance is indeed higher than that of traditional fuel vehicles. Manager Qian analyzed that this is due to the fact that new energy vehicles are in the initial stage of development, and the product performance and product driving operation of each main engine factory are quite different, such as electric vehicles have the attributes of speeding up fast and drivers are mostly "novices", so the probability of accidents is also relatively high compared to fuel vehicles, and the premium price increase is mainly for models with high claim rates and claim amounts.
"If the owner of the car keeps driving safely for a long time and has fewer insurance, the premium coefficient will drop significantly, and the corresponding car insurance premium will also show a downward trend." Manager Qian said that for a car, the premium rise or fall, mainly determined by the compensation, there are new energy vehicle owners think that the car insurance premium is expensive, mainly based on the results of its compensation data analysis in recent years, and the car's sales scale, past accident rate, average maintenance costs and other related.
Zhang Bo also told reporters that some new forces of new energy vehicles, in addition to their own design, power, their specialized repair agencies, spare parts are also relatively small, maintenance needs designated agencies, single maintenance cost is higher.
Prediction: What is the future trend of premiums for new energy vehicles?
As of the end of December 2021, the number of new new energy vehicles in Hainan exceeded 55,000, the proportion of ownership increased to 7%, 5% higher than the national average, and the penetration rate of new vehicles in the market increased to 27.8%, more than twice the national average. At present, Hainan is increasing the promotion of new energy vehicles, and more and more car owners choose new energy vehicles.
Correspondingly, many car owners are concerned about the trend of new energy vehicle insurance premiums. Some new energy car owners frankly said, "The fuel money saved is used to pay premiums."
Leng Hui, president of the Hainan New Energy Automobile Association, said in an interview with the new Hainan client, Nanhai Net, and Nanguo Metropolis Daily that the launch of new energy vehicle insurance is a good thing, but the increase in premiums is not conducive to the promotion of new energy vehicles.
Leng Hui analysis said that the current new energy vehicle after-sales supply chain system is not perfect, spare parts supply system and maintenance price system is not well established, is an important reason for the impact on premiums. At present, the new energy automobile industry organization is working with insurance companies to improve the construction of relevant systems and promote premiums to a reasonable level.
Song Xiangqing, deputy dean of the Institute of Government Management of Beijing Normal University and director of the Industrial Economic Research Center, also believes that the sharp rise in insurance premiums of new energy vehicles will hurt the rights and interests of consumers who support the development of new energy vehicles, and encourage residents to buy new energy vehicles, but insurance companies increase the premiums of new energy vehicles.
"Because new energy vehicles are technically immature compared to traditional energy vehicles, the failure rate is high, there are many insurance accidents, insurance companies pay more, the premium income and expenditure are unbalanced, and even losses, so they have to maintain profitability by increasing premiums." Song Xiangqing analyzed to the new Hainan client, Nanhai Net, and Nanguo Metropolis Daily that the problem that must be solved in reality is to ensure the effective insurance protection of new energy vehicles and the sustainable development of insurance companies.
He suggested that, according to the characteristics of new energy vehicles, we should ensure that the insurance scenarios of new energy vehicles are diversified while focusing on solving the risks generated by auxiliary facilities of new energy vehicles; second, we should customize the insurance liability of new energy vehicles, limit the scope of protection, and strip away unnecessary vehicle use scenario insurance projects; third, we must ensure that insurance protection is humanized and socialized, and there should be professional institutions for the identification of vehicle losses caused by external power grid transmission and transformation failures, current and voltage abnormalities, etc., so that relevant power institutions can bear part of the fault losses Fourth, it is necessary to promote the upgrading of new energy vehicle technology, reduce failures, and make up for the insurance of brand vehicles with more faults, and the manufacturers should bear a part of the quality assurance costs.
Song Xiangqing believes that with the continuous maturity of new energy vehicle technology, the iteration and upgrading of claims technology, and the refined management of underwriting pricing by insurance companies will promote the loss rate of new energy vehicles to gradually return to a reasonable level.
He also said that in the future, insurance companies will become more and more accurate in calculating the risk probability of new energy vehicles of various brands, and increasing the premium of new energy vehicles with high risk will actually become the driving force for the elimination of new energy vehicle brands with poor quality. "It is expected that the premiums of new energy vehicles will go out of a low-high-low inverted V-shaped upward and downward trajectory, and eventually the premiums of new energy vehicles will remain within a reasonable range acceptable to consumers."
In the interview, a number of Hainan insurance industry insiders also said that the short-term premium trend may be affected by the fluctuation of the insurance rate and the loss rate, but it is believed that with the improvement of issues such as the refined management of underwriting pricing, it will promote the return of the loss rate of new energy vehicles to a reasonable level.
Leng Hui also reminded car owners that as consumers, they should understand the influencing factors of car insurance rates and develop good driving habits. Only when multiple parties form a joint force can they jointly help improve the commercial insurance of new energy vehicles.
New Hainan client, Nanhai Net, Nanguo Metropolis Daily reporter Wang Hui
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