Information Times News (reporter Ma Xuli) "Suddenly rose 1,000 yuan, heartache! Recently, some consumers in Guangzhou told reporters that the new energy vehicles they purchased had skyrocketed when they renewed their insurance at the end of the year. According to readers' reports, it is not only the foreign brand Tesla that has increased the price of premiums, but also the insurance of new energy vehicles such as domestic brands Xiaopeng, Weilai and BYD. So, why is there a collective price increase in the premium of new energy vehicles? What is the future? In response to these problems, the reporter interviewed relevant people in the industry.
Car owners: The premium of new energy vehicles has generally increased
A few days ago, many new energy car owners in Guangzhou told reporters that near the end of the year, they found that the premium price increased when they renewed their new energy vehicles. "All of a sudden, it's up 1,000 yuan!" Ms. Lu, who lives in Huangpu District, reflected to reporters how she felt when she renewed her insurance a few days ago, and Ms. Lu also said: "This is the second Tesla I bought, the first one was broken because the battery in front of the front of the car was broken, and when I asked about the repair, it would take 100,000 yuan to replace the battery, so I simply bought a new Tesla Model y." But who would have thought that when I went to renew my insurance a few days ago, the auto insurance commissioner directly told me that the insurance premium has been raised by about 1,000 yuan. I asked the reason for the increase in tram premiums, and they only said that the cost of repairing the tram would be higher. I couldn't take it, but I couldn't. ”
In addition, Ms. Lu, the owner of Weilai, told reporters that its tram premium also rose by about 1,000 yuan. "My insurance is about to expire, and after consulting WITH PICC and Ping An Property & Casualty, I found that their renewal offers have increased by about 2,000 yuan compared to last year." Ms. Lan, the owner of the BYD car, said: "Last year, I did not have much insurance, I don't know if it is because the parts of the oil car are cheaper, the parts of the tram are more expensive, and the cost is relatively high, resulting in an increase in premiums." ”
Car Insurance Commissioner: Tram premiums are half as expensive as fuel cars
The reporter consulted a car insurance commissioner on the issue of premiums as a new energy vehicle owner. As for whether this year's premium is higher than last year's, the auto insurance commissioner revealed: "The insurance cost of new energy vehicles has risen uniformly nationwide. The price increase is because last year's new energy vehicles used the terms of traditional fuel vehicles, and this time the price increased by the exclusive insurance clause of new energy vehicles. At present, tram insurance will be about half more expensive than fuel car insurance, for example, the oil car insurance cost is 4,000 yuan, and the tram insurance cost is at least 6,000 yuan. When asked by the reporter whether the insurance premium of the gasoline-electric hybrid car will be cheaper, the car insurance commissioner said that the gasoline-electric hybrid vehicle is classified as a new energy vehicle, and the premium collection standard is the same as that of the tram.
According to people familiar with the matter, if consumers want to inquire about the quotation of new energy car insurance on the websites of major insurance companies, they can only get a car insurance quotation by filling in the model used after showing the driving license.
The reporter's investigation found that at present, most of the fuel trucks or trams must buy car insurance in the 4S shop in the first year of new car purchase. For example, Tesla, starting from this year, the first year of car purchase in its store to buy insurance, the cost of 10,000 to 20,000 yuan, the second year of car purchase can buy insurance in the insurance company, the cost is about 8,000 ~ 9,000 yuan.
Related insurance companies: It is not convenient to disclose the reason for the price adjustment
What do insurance companies say about the increase in the premium of new energy vehicles? A few days ago, the reporter contacted some insurance companies in Guangzhou. Among them, the relevant person in charge of the Chinese insurance company said: "Regarding the relevant situation of the premium terms of new energy vehicles, we do not have the right to disclose it. The person in charge of Ping An Property & Casualty insurance said: "This problem is industry-wide, and it is recommended to ask the association." ”
The reporter immediately contacted the Guangdong Insurance Industry Association. However, a relevant person from the association said: "The question of new energy vehicle premiums should be asked by enterprises such as Ping An and PICC, and at present, we cannot answer them." ”
Experts: The exclusive insurance clause for new energy vehicles has been released, and the premium increase is reasonable
In fact, some experts pointed out that multiple factors such as the release of exclusive insurance clauses for new energy vehicles and the decline in car purchase subsidies have led to the rise in new energy vehicle premiums this year.
It is understood that on December 14, 2021, the official website of the China Insurance Industry Association published the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (Trial)" (hereinafter referred to as the "Exclusive Clauses"), which include the "Model Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (Trial)" and the "Model Clauses for Accident Injury Insurance of New Energy Vehicles of the China Insurance Industry Association (Trial)". On December 27, the new energy vehicle captive insurance was officially launched on the Shanghai Insurance Exchange, and 12 property insurance companies, including PICC Property & Casualty, Ping An Property & Casualty, CPIC Property & Casualty, Taiping Property & Casualty, China Life Property & Casualty, China United Insurance, Dadi Insurance, Sunshine Property & Casualty, Tianan Property & Casualty, Zhongcheng Auto Insurance, Asia Pacific Property & Casualty insurance and Samsung Property & Casualty Insurance, were the first batch of 12 property insurance companies to be approved for underwriting.
Yang Zeyun, a teacher at the School of Management of Beijing Union University, pointed out that new energy vehicle insurance was previously underwritten according to the insurance terms of traditional fuel vehicles, but due to the large differences between the two types of vehicles in terms of power system, automobile performance, use mode, maintenance and other aspects, the overall insurance loss rate of new energy vehicles is higher than that of traditional fuel vehicles, so the loss rate of new energy vehicle insurance is generally higher. This time, exclusive insurance clauses have been introduced specifically for new energy vehicles, in addition to including the power battery of new energy vehicles in the scope of car insurance, the liability for charging accidents that traditional fuel vehicles cannot encounter is also included in the scope of insurance liability. Compared with traditional fuel vehicle insurance, the new energy vehicle itself has a higher loss rate of insurance coverage, coupled with the increase in the scope of insurance liability, compared with the previous car insurance, the premium increase is reasonable.
For the impact of changes in new energy vehicle premiums, Bu Naxin, vice president of the Investment Branch of the China International Association for the Promotion of Science and Technology, said in an interview with reporters that the sudden increase in new energy vehicle premiums will definitely have an impact on car buyers, and the price adjustment of insurance companies has also increased the cost of buying new energy vehicles by more than 200,000 yuan, which may lead to high-priced car buyers turning to buy low-priced models. In the future, electric vehicle manufacturers and battery manufacturers need to further reduce the price of trams while improving the quality of vehicles, so as to maintain their market position.
It is understood that in addition to the increase in the cost of car purchase caused by the price adjustment of new energy vehicles, the further decline of new energy vehicle subsidies in 2022 will also lead to a new round of price increases in the entire new energy vehicle market. The Ministry of Finance, the Ministry of Industry and Information Technology, the Ministry of Science and Technology, and the National Development and Reform Commission recently jointly issued the "Notice on the Financial Subsidy Policy for the Promotion and Application of New Energy Vehicles in 2022", which clearly states that the subsidy standard for new energy vehicles in 2022 will decline by 30% on the basis of 2021. The original subsidy policy was terminated on December 31, 2021.