Financial perspective, interesting and easy to understand
On Saturday, the speaker jun published a radio report in the "990 Morning News", which was the most listened to on The People's Radio in Shanghai, entitled "Are the premiums of new energy vehicle captive insurance expensive or cheap?" 》。
First of all, the conclusion, about 80% of the premiums of new energy vehicles are cheaper than the original, and the premiums of 20% of new energy vehicles are more expensive than the original, of which Tesla's car insurance premiums have increased the most.
So why is the Internet full of complaints about the soaring premiums of new energy vehicles? Because Tesla's first-line brands of new energy vehicles have the highest social attention. According to the report of the box Jun, a new Model 3, the pure premium is about 15% more expensive than the original, and it is not as outrageous as the online spit.
In fact, Tesla cars are expensive, expensive and expensive!
Chairman of Most Favored Insurance Chen Wenzhi
Tesla car insurance is notoriously expensive in the United States, its car insurance premiums are more than 20% higher than the average in the U.S. industry, and it is one of the top ten models called "the most expensive" in the United States. So why is it expensive? It has the following main reasons: First, tesla's maintenance outlets are still relatively small, and there are fewer personnel who can be repaired, so its maintenance labor costs and accessories are relatively high. Second, Tesla is an integrated body, so once a loss occurs, the loss will often be larger.
In fact, not only Chinese Tesla owners complain about the high premium, Tesla owners in the United States have been spraying this problem on the Internet for several years. Guess what Musk thought? Musk publicly declared:
“
I'm going to open an insurance company. Cheaper car insurance is specifically designed for Tesla owners.
”
Worthy of Musk, from time to time some wild ideas pop up. And Musk is really not bragging, the earliest launch of "Tesla insurance" in California.
Musk argues that traditional insurers' car insurance products don't adequately take into account what Tesla vehicles call "superior safety performance and advanced self-driving features to reduce risk."
To put it bluntly, Musk is quite confident in the "black technology" of Tesla cars, and the insurance company prices Tesla car insurance so expensive that he does not understand what is called "technology creates value", and the heart of the insurance company is simply black!
Tesla Insurance is a highly competitively priced insurance product designed to provide Tesla owners with preferential rates of up to 20%, and in some cases as low as 30%.
Among the pricing factors of Tesla Insurance, the most important is a project called the "Safe Driving Score." This score uses driving behavior data collected in real time by Tesla vehicles. Premiums will be determined and adjusted based on monthly driving scores, with owners paying monthly fees.
Tesla Insurance's premium pricing model completely subverts the traditional car insurance pricing method, and the insurance company's car insurance business will face huge challenges. But the owner of Tesla insurance began to complain again, under the monitoring of big data, in order to pay cheap premiums, driving trembling, no fun!
Do you say these American Tesla owners do it or not?
-End of this article-
Copyright notice: Please contact the background authorization before reprinting