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A few days ago, the new energy exclusive car insurance was launched, and then some netizens broke out on social media, Tesla premiums rose overnight, netizens said that taking Tesla Model Y as an example, the premium on December 23, 2021 was 8278 yuan, and the premium on December 27, 2021 soared to 14,000 yuan.
Source: Weibo
Some netizens posted that the official website premium of Tesla Model 3 was as high as 17,000 yuan, and the netizen said: "One day late to pick up the car, the premium has risen by 10,000, and I can't like it." ”
Not only Tesla, according to many netizens, many "new forces" models such as Weilai and Xiaopeng Automobile have also risen in premiums to varying degrees.
But there are also many models that have experienced a decline in premiums. For example, bydir Qin's premium has dropped from 4538 yuan to 4304 yuan, and Roewe E50 has dropped from 4902 yuan to 4548 yuan.
Many netizens said: "Different insurance companies, different salesmen, different ways to quote quite different. ”
A netizen said that on December 28, 2021, December 30, 2021, and January 10, 2022, a car insurance company reported three different prices of 7161.61 yuan, 6016 yuan and 5548.49 yuan to it through different channels.
Netizens said: "The premium is one price a day, and buying car insurance is comparable to speculating in stocks."
Premiums for some models have risen
On January 13, the reporter visited a Tesla sales store in Beijing. Sales staff said that the premium of new energy vehicle insurance has risen and fallen, and the premium of individual high-end models has risen. Taking the Tesla Model Y long endurance version as an example, the new car is fully insured for about 9,000 yuan, but the quotations of each company are different.
For the reasons for the increase in the premium of individual high-end models, the above-mentioned sales staff said that the premium of some tesla models has indeed increased, but it is not like the "sky-high" premium said by netizens. Some high-end models use integral die-casting technology, and if a collision causes damage to the body, it can usually only be replaced in one piece, and the amount of compensation is significantly higher than that of other models. In addition, the price of high-end models will rise, and the premium will inevitably rise.
Tesla previously said that the increase in different insurance divisions, different regions and different models is slightly different. According to the statistics on December 30, 2021, the increase in Tesla vehicle premiums is about 10% on average in the country, and the premium increase of the high-performance version of the more concerned model is within 20%, and the specific amount is subject to the quotation of the local insurance company.
On the evening of December 29, 2021, Xiaopeng Automobile issued the "Explanation on the Premium Changes of Commercial Automobile Insurance for Xiaopeng Brand Models on the Launch of New Energy Vehicle Insurance Products", saying that according to the national premium situation feedback from various insurance companies on the 28th, the average increase of Xiaopeng Automobile's full line of models was 2.9% to 18.2% (the increase in different insurance divisions, different regions and different models is slightly different), and the specific amount is subject to the quotation of the local insurance division.
Source: Explanation on the Premium Changes of Commercial Auto Insurance for Xiaopeng Brand Models on the Launch of New Energy Vehicle Insurance Products
Xiaopeng Automobile said that the data in the above table is only the average quotation of commercial automobile insurance collected and counted on December 28, 2021, which is the average quotation of the head insurance company in major cities in the country, and the specific amount is subject to the actual quotation of the local insurance department.
Weilai issued a note on its official app that it plans to launch the 2022 version of Service Worry-free in March 2022. For the premium issues that car owners are concerned about, WEIlai responds that the pricing of insurance worry-free is still the insurance cost + 1680 yuan Weilai exclusive service, of which 1680 yuan Weilai exclusive service remains unchanged, and the overall premium changes are related to the user's region, illegal records, past insurance situations and other factors. At present, the situation is different in different places, and the premium adjustment of Niolai models is not large.
The relevant person in charge of a property insurance company said: "At present, the insurance company lacks the original pricing data for new energy vehicles, and the pricing may be high in the initial stage for the sake of operating efficiency. Second, the technology of new energy vehicles is immature, the accident rate is high, the compensation rate is high, and most car insurance companies will increase pricing for cost considerations. Third, the cost of supporting equipment for new energy vehicles is high, which increases the cost of compensation to a certain extent. ”
Industry analysts said that the core technology of new energy vehicles is the battery, according to the battery material, the premium of ternary lithium batteries is higher than lithium iron phosphate. "The same Tesla car, the use of lithium iron phosphate battery car premium increase is actually not large." Not Tesla's car, if you use a ternary lithium battery, the premium increase will be relatively large. ”
80% of car owners enjoy the base premium reduction benefit
Previously, the China Association of Actuaries issued the "Explanation on the Adjustment of the Calculation and Adjustment of the Pure Risk Premium Table of the Benchmark Pure Risk Premium Table for The Exclusive Product of New Energy Vehicle Commercial Insurance". The "Notes" mentioned that compared with the current benchmark premiums of traditional car insurance, the overall benchmark premiums of the three insurances and car damage insurance of new energy vehicles decreased by about 0.8%. In terms of smoothing the rate of car damage insurance, the benchmark premium of new energy vehicles with a price of less than 250,000 yuan is not floated; for new energy vehicles with a price of more than 250,000 yuan, the benchmark premium can fluctuate up and down.
According to the person in charge of the Shandong branch of a large insurance company, in general, the benchmark premiums of the three insurances and car damage insurance of new energy vehicles have dropped by about 0.8% compared with the current benchmark premiums of traditional car insurance; among them, the benchmark premiums of the three insurances have dropped by 0.1%, and the benchmark premiums of car damage insurance have dropped by 1.2%. "Most notably, about 80% of car owners can enjoy the benefits of fee reduction."
However, a decline in basic premiums does not represent an eventual overall decline in premiums. For some new energy vehicle insurance increases more obviously, a relevant person in charge of a property insurance company said that the three major factors affecting the pricing of car insurance premiums are: basic premiums, insurance coefficients and autonomy coefficients. The first two of these are common to the industry, and the autonomy coefficient of insurance companies is the more critical determinant. The pricing of car insurance also depends on the model to which it belongs, the insurance situation in the past year, the number of violations, and the independent pricing coefficient of the insurance company for the model it belongs to. For Tesla and other models with higher maintenance costs and higher prices, insurance companies will choose to increase the independent pricing coefficient, which in turn will increase the premium.
Industry insiders said that in accordance with the principle of matching risk and premium, the scope of protection of new energy vehicle insurance has been significantly expanded, the protection responsibility has also increased, and it is normal for the premium to rise to a certain extent.
Premium pricing will be further optimized in the future
"The future insurance pricing of new energy vehicle insurance will continue to be optimized." The reporter learned from the sales staff of a 4S store in Beijing that at present, all new energy vehicle premiums need to be calculated through a new coefficient, and the premium has changed from the original unified pricing to one car and one price, one person and one price, and the final quotation is related to multiple factors such as the model, the insurance situation, and the owner's traffic violation record.
Industry insiders pointed out that for owners of high-energy models with multiple insurance claims and abnormal maintenance costs, the premium will rise to a certain extent; for owners with good driving habits and safety records and reasonable vehicle maintenance costs, the premium will be preferential.
"With the continuous accumulation of new energy vehicle data by major insurance companies, the future calculation of the risk probability of new energy vehicles will become more and more accurate," said the relevant person of the above-mentioned property insurance company, with the advancement of new energy vehicle technology and the gradual maturity of new energy vehicle premium pricing, the premium will be further rationalized and scientific, and the advantage of new energy exclusive insurance is greater than the cost of the car owner's premium.
A relevant person from the China Insurance Industry Association told the China Securities News reporter that it will continue to upgrade the claim service in the future. Relying on the industry's professional risk management service capabilities, the industry's auto insurance claims service has comprehensively sorted out the risk points, service standards and operating specifications that may be involved in the claim-related links according to the unique risk scenarios of new energy vehicles. However, from the perspective of consumers, there will be no significant difference between the claims process and the current Model Clauses for Motor Vehicle Commercial Insurance. And the insurance industry will also continue to optimize the claim service process according to the risk characteristics and use characteristics of new energy vehicles, relying on technology empowerment, and launch more online, personalized and differentiated new energy exclusive claim service measures to better meet the insurance claim service needs of different consumer groups.
Editor: Cao Shuai