Recently, after the official launch of new energy car insurance, car owners fried the pot and said that their premiums were "reduced", and the doubts about the "bright drop and dark rise" of new energy car insurance premiums were once very loud.
There are Tesla car owners to post insurance policy price comparison, the hot model Tesla Model Y, December 23, 2021 insured fee of 8278 yuan, and after the launch of the new car insurance on the 27th, the premium rose to more than 14,000 yuan, an increase of up to 80%, of which, the car damage insurance rose the most, from the original 5759 yuan to 12736 yuan.
The insurance company salesman explained that the car insurance pricing basically follows the principle that the higher the car price, the higher the premium, but the premium of the model Y with a bare car price of 400,000 yuan is higher than the model S with a bare car price of 800,000 yuan, and when it comes to the reasons, the above salesman said that the Model Y is the highest risk model in 2021, with a claim ratio of about 1:1.4, and only a few branches in Beijing can accept Tesla car insurance insurance business.
For the price increase question, Tesla responded, from the latest December 30, 2021 statistics, Tesla vehicle premium increase to the national average of about 10%, high-performance version of the model premium increase, to the national average within 20%, the specific amount please refer to the local insurance company quotation prevails.
In addition to Tesla, there is also a lot of discussion about the increase in the premium of Xiaopeng P7 models, Xiaopeng Automobile issued the "Explanation on the Premium Changes of New Energy Vehicle Insurance Products on the Commercial Vehicle Insurance of Xiaopeng Brand Models", which said: "The average increase of Xiaopeng Automobile's full range of models ranges from 2.9% to 18.2%, and the specific amount is subject to the quotation of the local insurance company." ”
From the data of Xiaopeng Automobile, the model with the largest increase in commercial auto insurance premiums is P7, before the exclusive clause was launched, the average quotation of commercial auto insurance of the head insurance company in major cities in the country was 5600 yuan, and after the exclusive clause was launched on December 27, this price rose to 6622 yuan, up 18.2%. G3i and P5 have smaller price movements of 3.5% and 2.9% respectively
A sales manager of BYD's 4S store said that after the launch of new energy vehicle captive insurance, the premium was roughly 300 to 400 yuan higher than before December 27, 2021, and the overall fluctuation was not large.
Talking about the internal and external factors of the premium increase, Li Wenzhong, deputy director of the Insurance Department of the Capital University of Economics and Business, said that first of all, the comprehensive reform of automobile insurance needs to follow the principle of "market decision, regulatory guidance" while protecting consumers. Simply put, the car insurance rate should be able to reflect the risk situation of the insured vehicle and the market supply and demand, and the risk of new energy vehicles is greater than that of fuel vehicles.
Secondly, the insurance liability of the new energy vehicle insurance clause is similar to the main framework of the fuel vehicle, so the insurance coverage and degree of protection of the new energy vehicle damage insurance are significantly improved compared with the old fuel vehicle damage insurance, so the premiums of the two cannot be simply compared.
Third, there are also certain differences in the risk of insured vehicles of different brands and models, and the records of accidents and violations of different vehicles are also different.
Finally, affected by the supply chain crisis, the supply price of some vehicle spare parts has risen sharply, especially imported vehicles. This will increase the cost of vehicle repairs.
Industry insiders said that the pricing of new energy vehicle insurance needs to be "one car and one price", and the actual price will change with the market environment, region, the owner's own situation and the change of the independent pricing coefficient.
At present, the loss ratio of new energy vehicle insurance is close to 85% on average, and the industry is facing greater underwriting loss pressure. The launch of the exclusive new energy clause tests insurance companies on how to explore a balance between consumers and car companies.