At the end of 2021, the exclusive product of new energy vehicle commercial insurance was officially launched, and from then on, new energy models need to purchase exclusive new energy vehicle insurance to completely draw a line with fuel vehicle insurance.
Tesla owners are a bit injured
As soon as the new energy car insurance was listed, it set off a hot discussion on the Internet, a Tesla Model Y owner said that the price of the insurance purchased before was more than 8200 yuan, but after the new energy insurance was launched, the same insurance rights and interests, the premium price became more than 14900 yuan, an increase of more than 80%.
Among them, the most fierce rise is the car damage insurance, from the original 5700 more, directly rose to more than 12700, the car damage insurance directly doubled. I heard that later, in order not to affect sales, I was busy refunding the price difference to the owner.
The premiums of other new energy brands have also risen to varying degrees, such as Weilai, Ideal, Xiaopeng and other brands, the increase in car insurance premiums is between 20% and 40%, only some new energy models of BYD and Roewe, the premiums have not only not risen, but have decreased.
The insurance company endured for a long time
The biggest reason for the high premium of new energy vehicle insurance is that insurance companies cannot make money on new energy models.
You see how many things have happened to Tesla in the past two years, Tesla's insurance loss rate reached 1:1.4, that is to say, the insurance company not only can not make money, but also to paste 40% of the money to Tesla owners, the insurance company has endured for a long time, just new energy vehicle insurance on the line, hurry to take advantage of this wave, the premium price up, the money lost in these years to earn back.
Other new energy brands, although not as much trouble as Tesla, the accident rate and the loss rate are not low. The main reason may be that the power output of new energy models is too direct, and the dependence on software control and algorithms is relatively large, if it is a novice driver, the accident rate may be higher than that of fuel vehicles.
Insurance coverage has been expanded
In addition to the higher payout rate of new energy models, another reason for this price increase is the addition of many additional insurance types for new energy models. The main insurance is still the same as the old three: car damage, three, and people on the car. Additional insurance also includes the damage to the three-electric system unique to spontaneous combustion and new energy. New energy vehicles and core "three electricity" systems, accidents (including spontaneous combustion) during driving, parking and charging, can enjoy the compensation of commercial insurance. The more protection, the higher the premium.
However, there are also many netizens complaining that the new energy three electricity and spontaneous combustion, originally is the warranty service that automobile manufacturers should provide, some manufacturers have provided a lifetime warranty, but now they also want the owner to enjoy the rights and interests by paying the premium. Is it possible that spontaneous combustion occurs when charging new energy models in the future, do not need to find car manufacturers, but directly take insurance? If this is really the case, the car manufacturer may slowly dilute their own warranty service, anyway, there are commercial insurance claims, the car has a problem, push the responsibility, directly take the insurance is the most convenient.
Only the owner suffers
Therefore, although the responsibility of new energy vehicle insurance is further expanded, it seems that the rights and interests of car owners have been more comprehensively protected, but the sharp rise in premiums and the enjoyment of follow-up warranty services will also be affected, which seems more reasonable, but in fact, it is more like passing on the responsibility that automobile manufacturers should bear to the insurance company, and then the owner pays the bill.