Half a month ago, new energy vehicle insurance officially "on the road", we summarized an analysis of the reasons for the rise in new energy vehicle premiums according to the information collected. Many friends in the comment area joked that the money with more insurance disguised to make up for the saved electricity costs also made some friends who held the standard to buy new energy vehicles have doubts. To this end, we recently visited the new energy vehicle market in Beijing, and investigated the insurance prices of several mainstream new energy vehicle brands, if you have won the bid and have not yet sold or are about to become the lucky players in the next batch of winning the bid, you may wish to understand in advance how the current new energy vehicle insurance market is.
Since it is a visit to the insurance situation of new energy vehicles, we have roughly divided the target objects into two camps, one is to investigate the brands of tesla, Weilai, ideal, Xiaopeng and other new forces car-making companies, which are mostly sold in a direct way, the pricing at the insurance level is relatively intuitive, and the price difference between different stores is relatively small. Then there is the traditional sales system dominated by byBYD, GAC E-An, Euler, North and South Volkswagen, etc., which are mostly sold in the form of franchise authorization, and the pricing of sales insurance maintenance and other links is relatively flexible, and some of the cooperative insurance companies selected by some enterprises even have a lot of preferential treatment and rebates.
Before introducing the preferential treatment of each brand, let's briefly review the relevant information of new energy vehicle insurance. New energy vehicle insurance is a new standard implemented by the China Insurance Industry Association, which cancels the insurance items such as wading in the original motor vehicle commercial insurance and refines the scope of responsibility. It is also composed of new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle personnel liability insurance. In addition to the above three types of insurance, there are also new special clauses for external grid fault loss insurance, self-use charging pile loss insurance, self-use charging pile liability insurance and new energy vehicle value-added services. The charging facilities themselves, such as the body, batteries, energy storage systems, motors, electric drives, control systems and factory equipment, and even driving, parking, charging and operation in the event of natural disasters, accidents, etc. are included in the scope of compensation. In terms of model division, new energy vehicle insurance covers pure electric vehicles, plug-in hybrid (extended range) vehicles, fuel cell vehicles, corresponding to the difference in the depreciation rate of different models, and the premium fluctuations are also slightly different.
(The specific insurance transaction price is subject to the final quotation of the local insurance company, the price in the following is for reference only, all the prices involved are commercial insurance + compulsory insurance, of which the price of compulsory insurance is unified as 950 yuan / year for new cars, and the actual fluctuation increase part is the commercial insurance part)
New Faction:
tesla
Tesla brand using direct form, offline store car purchase and online car purchase is basically no difference, insurance prices are relatively consistent, although the store survey said that the overall increase is not large, but according to the civil survey, there are still obvious changes, and the main factor of price increase is due to the insurance company for Tesla has a large amount, bicycle maintenance costs and other factors to decide. In addition, after several rounds of price increases, the increase in car prices also has a slight impact on the total amount of insurance. In addition, the current new energy vehicle insurance has just begun to be implemented, and the overall price will be high.
Tesla Model 3
Store sales said that its overall insurance price rose by 10%-20%, and the current price of the surveyed after-wheel drive version of the insurance is about 9500 yuan. The total price of the high-performance version of the insurance is about 11,000 yuan
Tesla Model Y
Store sales said that its overall insurance price rose by 10%-20%, and the total price of the after-wheel drive version of the insurance surveyed was about 10,400 yuan. The long-endurance four-wheel drive version is about 11,400 yuan, and the high-performance version is about 13,500 yuan.
Xiao Peng
Xiaopeng followed Tesla's overall example in the sales process, and the insurance quotation was adjusted according to the real-time insurance policy. Because the overall warranty quantity and repair cost of previous models are not too high, the overall increase is not large, about 10%.
Xiaopeng P7
At present, the total insurance price of 480N+ Xiaopeng P7 is about 8800 yuan, and the insurance price of 670N+ models is about 9700 yuan. The insurance price of the Pengyi version model is about 11,800 yuan.
Xiaopeng G3
At present, the insurance price of the 460 series models of xiaopeng G3 ranges from 6900-7500 yuan, and the insurance price of the 520 series models ranges from 7300 yuan to 7800 yuan.
Xiaopeng P5
At present, the insurance price of Xiaopeng P5 460 series models ranges from 7000-7500 yuan, the insurance price of 550 series insurance ranges from 7500-8100 yuan, and the insurance price of the top 600P models needs about 8600 yuan, but the production of the reconfiguration production is smaller, and the price will fluctuate greatly.
ideal
At present, the ideal brand only has an ideal ONE model, and as a range extender new energy vehicle, the price increase is much smaller than that of the general pure electric new energy vehicle. Due to the use of order-based production, before February, you can enjoy the price of the new energy vehicle insurance before the price adjustment, the overall insurance price is about 10,500 yuan, and after February, the overall premium of the model sold will be raised to 11,000-12,000 yuan, the overall increase is less than 10%.
Nezha
Recently, the Nezha brand has been affected by the double impact of subsidy decline and insurance price increase, not only the price has been raised, but the insurance price has also been raised by about 10%, and the price impact is largely related to the brand's low-price strategy. In this regard, Nezha gave a preferential treatment for booking or subsidizing compulsory insurance before January 31, which offset the increase in insurance and a small amount of car prices.
Nezha U Pro
At present, the total insurance price of Nezha U Pro 400 km model is about 6000-7200 yuan, and after the compulsory insurance subsidy of 950 yuan, the total insurance price is about 5000-6200 yuan. The total price of insurance for 500 km endurance models is about 6500-7600 yuan, and after the compulsory insurance subsidy of 950 yuan, the total insurance price is about 5500-6600 yuan. The total insurance price of the 600-kilometer series model with the longest endurance is about 7200-7600 yuan, and after the compulsory insurance subsidy of 950 yuan, the total insurance price is about 6200-6600 yuan.
Nezha V
At present, the Nezha V 22 models are calculated according to the total price of the new insurance, and the total insurance price is about 4500-5000 yuan. After the compulsory insurance subsidy of 950 yuan, the total price of the insurance is about 3500-4000 yuan.
Weima
WM is the most surprising player in the insurance price of all new energy vehicle brands, and at present, EX5 has basically entered the stage of modification, which needs to be sold in the form of orders, and the current car will be sold until the next year. The EX6 and W6 due to the overall sales performance of the mediocre, manufacturers in order to stimulate the sales growth of the previous year, in addition to the large discount on the price of the car, insurance has also carried out a certain degree of subsidies. That is to say, the insurance is about 10%, but at this stage it is borne by the manufacturer.
EX6
According to the interview survey, WM EX6 has begun to use new energy vehicle insurance, but the manufacturers have subsidized, for example, the ex6 500 base version insurance costs of 189,900 yuan, but the current subsidy is only about 7,000 yuan, it is worth noting that the price concession is covered in the overall car price.
W6
WM W6 also enjoys insurance subsidies from manufacturers, taking the 520ACE Jizhi Edition as an example, the previous insurance price was about 7900 yuan, and the current insurance quotation is about 4500 yuan, it is worth noting that the price discount is covered in the overall car price.
Extreme Kr 001
Due to the fact that the extreme krypton 001 has just been delivered, the insurance premium has hardly been significantly increased. Vehicles using order production for direct sales, vehicle insurance costs of about 10500-12000 yuan, compared with the previous price of only a few hundred pieces, an increase of less than 5%.
Through field visits, it is not difficult to find that the overall price of new car insurance of new car brands has been raised, but the general fluctuation is about 10%, and some brands have given certain fee subsidies to consumers who bought cars years ago, and the hard growth in insurance has been offset in the price of some models.
Traditional car company camp:
BYD
BYD's new energy covers almost all audience ranges from 50,000 to 350,000, and is constrained by chips and supply and demand, and almost all models need to be ordered for two to six months, which shows the hot sales. Through the visit and investigation, it was found that BYD's new energy vehicle insurance costs have been raised by about 10%.
Han EV/DM
The Han car series is divided into two series: pure electric Han EV and hybrid Han DMI, of which the overall insurance price of the Han EV series is about 8300-9800 yuan, and the overall insurance price of Han DM is about 8500-9000 yuan.
Song PLUS
The Song PLUS car series is divided into pure electric and hybrid Song DM-i series, of which the overall insurance price of Song PLUS EV is about 7400-7800 yuan, while the overall insurance price of the 51km version of Song DM-i is about 6900-7100 yuan. The overall insurance price of the 110km version is about 7200-7400 yuan.
Tang Dynasty
Tang is currently divided into three series: pure electricity, DM hybrid and DM-i hybrid, of which the overall insurance price of Tang EV is about 9800-10600 yuan, the overall insurance price of Tang DM is about 8900-10000 yuan, while the overall insurance price of Tang DM-i 52km model is about 7850 yuan, and the overall insurance price of DM-i 110km model is about 8000-8450 yuan.
Qin PLUS
Qin PLUS is currently divided into pure electricity and DM-i hybrid two series, of which the overall insurance price of Qin PLUS EV is about 6500 yuan - 7300 yuan. The overall insurance price of qin DM-i 55km model is about 6000-6300 yuan. The overall insurance price of qin DM-i 120km models is about 6500-6800 yuan.
dolphin
The overall insurance price of the 300 km endurance model is about 5700 yuan, the overall insurance price of the 405 km endurance model is about 5900-6050 yuan, and the overall insurance price of the 401 km high-power version is about 6300 yuan.
Roewe Ei5
Although Roewe's reputation and model variety in the new energy vehicle market have always been inferior to brands such as BYDean, its Ei5 station wagon has filled the gap in the market segment and has always had a good sales performance. In terms of insurance, the overall insurance price of Ei5 has risen slightly by about 600 yuan, about 5200 yuan.
Euler
Although Euler has made a good start with a strategy for female consumer groups, it has recently been negative and her attention has declined slightly. In terms of insurance, there is an official subsidy of 950 yuan from the insurance during the Spring Festival, compared with the price increase of the new energy vehicle insurance, the price increase of less than 10% basically does not have much impact, but the official insurance subsidy may end after the year.
Black cat
Black cat divided into 301km, 351km, 405km three kinds of endurance version subdivision configuration price difference is not much, the overall insurance price is about 5000-5500 yuan, plus official subsidies, the total price is about 4100-4600 yuan.
White cat
The white cat is divided into two styles of appearance, the ordinary version and the small wildcat version, and the price difference between the three endurance subdivisions covering 305km, 360km and 401km is also not large, of which the overall insurance price of the ordinary version with a 305km endurance is about 5200 yuan, and about 4300 yuan after the official subsidy. The overall insurance price of the 360km and 401km range of the Small Wildcat version is about 5400-5600 yuan, and the official subsidy is about 4500-4700 yuan.
Good cat
Good cat is divided into 400km and 500km two endurance versions, the overall insurance price is about 5900-6800 yuan, after the official subsidy is about 4950-5850 yuan.
In addition, the overall insurance price of the personalized model Good Cat GT before subsidy is about 6600 yuan, and after the official subsidy, it is about 5650 yuan.
GAC Aean
GAC Aeon has completed the overall replacement of its four main models in the past period of time, but unlike other car companies, while the price increase, insurance has also followed up synchronously, and the overall increase is less than 1,000 yuan, compared with the previous insurance quotation of about 10%.
Aian Y
As the main sales force of Eian, Eian Y has launched three different endurance versions equipped with two batteries to the market, and its overall insurance price ranges from 6000-7100 yuan, which is not only the price increase compared to the old model, the insurance increase is also more obvious, which is about 700 yuan more expensive than the old model.
Aian V
Aean V is also facing price adjustments, with insurance prices rising slightly, with the overall insurance price of its 70, 80 and 90 versions of the model about 7450-8950 yuan. Compared with the old model, the insurance is about 800 yuan.
Aian S
Aeon S is currently in the state of selling both new and old models at the same time, but the main models in the store are the latest models, because the price of different insurances has also changed greatly. Among them, the overall insurance price of the 70 and 80 models is about 7000-7600 yuan, while the insurance of the Xuan 530 models used to sink the market is about 6700 yuan.
Compared with the old model, the overall price of E-an S insurance has increased by about 600-700 yuan.
Aian LX
As Aeon's flagship model, the insurance cost of the Aeon LX has always been relatively expensive. In addition, due to the launch of the 1000 km ultra-long endurance model, the delivery time is delayed by more than half a year, so the current insurance price of the long-endurance version does not have too much reference value. The overall insurance price of ordinary 80 series models is about 10,000-13,000 yuan. Compared with the old model, the price of the new model has risen significantly, and the insurance is also rising, and the degree of floating has reached 15% or even higher.
FAW-Volkswagen
It may be that the timing of the layout of the new energy track is late, and Volkswagen's new energy vehicle sales began to improve in the second half of last year. In order to increase the sales of ID.4 and ID.6, FAW-Volkswagen also fought. Even launched a car purchase subsidy unchanged years ago, send charging piles to send charging point cards and other operations, and even insurance more than 5,000 yuan and 5,000 yuan subsidies.
ID.4 CROZZ
ID.6 CROZZ
SAIC Volkswagen
SAIC Volkswagen's current preferential strength is obviously not as good as FAW-Volkswagen, but the insurance continues the previous price unchanged, not affected by the new energy vehicle insurance price, we can understand in another way, but also many out of 10-15% of the price disguised by the manufacturer to bear, of course, the insurance price here refers to the years ago.
ID.3
ID.3 The current overall insurance price is about 5700 yuan unchanged from before, and may rise by 10-15% in the next year.
ID.4X
The overall insurance price of ID.4X is about 7000-8600 yuan, and the overall insurance price of ID.6X is about 8000-10500 yuan. The insurance price for two cars may rise by 10-15% in the next year.
Through the visit to the store, it is not difficult to find that many manufacturers have begun to follow up with new energy vehicle insurance, sales are so high that they rise, and the sales of sales are offset by subsidies. However, during the visit, we also found some problems, such as individual manufacturers can only carry out car damage, three, and the quotation of the personnel on the car, but the additional terms have not yet completed the system upgrade can not be calculated. In addition, Beijing's new energy vehicle market is slightly different from the major cities in the country, due to the restrictions of new energy licenses, so the 10-15% increase in insurance prices has not had a substantial impact on consumers who are ready to buy new energy vehicles. Of course, limited by the number of people surveyed and the storefront, the data we collect is for reference only, many prices may vary greatly because of different storefronts and manufacturer policies, you are only for reference to understand, if you urgently need to buy one of the models, or to the store according to your personal situation to inquire about the insurance price.