Qilu Evening News Qilu one-point reporter Ma Xiaojie
Recently, the changes in new energy vehicle insurance premiums have attracted wide attention, "Tesla premiums rose by 80% in four days" and "premiums a day a price" related topics have been hotly discussed by netizens, what is the reason behind it? What is the situation in Weifang? On January 7, Qilu Evening News Qilu one-point reporter learned that behind the change in premiums is the expansion of insurance liability, new energy vehicle insurance did appear on December 27, 2021 a wave of rising market, has experienced a round of downward adjustment, the most concerned Tesla car insurance premiums average increase of 300 yuan, BYD Qin DMi, Song DMi low-end version of the car insurance premiums down about 100 yuan.
"At that time, when I saw the news of the price increase, I was still a little worried." Weifang citizen Mr. Liu's Tesla Model 3 standard endurance version is still five months away from the renewal, "has now been reduced, in fact, it is not expensive at present, mainly a guarantee." With the support of the premium, I feel that the loss should be lowered. ”
Mr. Liu said that the exclusive insurance of new energy vehicles includes the "three electricity" system, which is equivalent to an additional guarantee for car owners. "When I didn't insure Sandian before, if the warranty period was out, I had to spend money to repair it myself, and now I can take the insurance."
"Three electricity" refers to batteries, motors and electronic control systems. On December 27, the captive insurance for new energy vehicles was officially launched. In terms of insurance liability, it not only provides protection for the "three electricity" (battery, motor and electronic control) system, but also comprehensively covers the use scenarios of new energy vehicles driving, parking, charging and operation. It is understood that previously, new energy vehicles used the traditional fuel vehicle insurance coverage when purchasing car insurance, and the launch of exclusive insurance broadened the scope of car insurance protection.
Song Xueping, business manager of the car dealer business department of PICC Property & Casualty Insurance Weifang Branch, told Qilu Evening News Qilu One Point reporter that since the launch of new energy vehicle captive insurance, premiums have experienced an increase and correction, "In the case of Tesla, which is the most concerned, on December 27, the general increase in premiums was between 2700 yuan and 3000 yuan, and on the 29th, it generally declined." At present, the increase is basically around 300 yuan. According to Song Xueping, the lower-priced models have also seen a decline in premiums, "BYD's Qin DMi, Song DMi low-end version of the car insurance premium fell by about 100 yuan."
The reporter consulted the sales staff of Ping An Auto Insurance, Sunshine Auto Insurance, Dadi Auto Insurance, China Insurance and other insurance companies that sell exclusive insurance for new energy vehicles, and the results obtained were basically the same, and the new energy car insurance was slightly adjusted, but the specific premiums varied from car to car and person, "There are many factors that affect the price when renewing the insurance, and the previous insurance situation, car condition, and personal situation must be taken into account." ”
It is understood that under the guidance of the Banking and Insurance Regulatory Commission, the China Insurance Industry Association issued the "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial)" on December 14, 2021. On December 27, the adjusted new energy vehicle exclusive insurance product was officially launched. According to media reports, the China Insurance Industry Association recently issued to property insurance companies the "Explanation on the Calculation and Adjustment of the Benchmark Pure Risk Premium Table for Commercial Insurance Exclusive Products of New Energy Vehicles" shows that in terms of smoothing the rate of vehicle damage insurance, the benchmark premium of new energy vehicles with a price of less than 250,000 yuan is not floating; for new energy vehicles with a price of more than 250,000 yuan, the benchmark premium can fluctuate up and down.