Nowadays, new energy vehicle technology is more and more developed, compared with fuel vehicles, more and more people have actively chosen to own a new energy vehicle, so we can often see green brand cars on the road shuttle on the road. Moreover, new energy vehicles with low cost and easy to use, fast advantages, quickly won the favor of the public, after all, compared to fuel vehicles, the cost of charging new energy is much lower than the price of oil.
But now it looks like this is about to change. At the end of December last year, the official launch of the new energy vehicle exclusive insurance has recently caused some car owners a headache, there are some popular new energy brand car models the premium increased significantly, many car owners at the end of the year when the renewal of insurance were suddenly increased by a premium to kill a surprise, so some people directly called out the saved fuel costs to pay the premium.
Take many people like Tesla new energy hot selling model Y as an example, some car owners posted insurance policies, in December 23 last year, the cost paid when applying for insurance was 8278 yuan, just a few days later, after the 27th new energy vehicle insurance was launched, the premium suddenly rose to more than 14,000, a closer look, the car damage insurance rose from the original less than 6,000 yuan to 12736 yuan.
In addition to Tesla, many domestic new energy vehicle brands Xiaopeng, BYD, and Weilai have also risen in premiums to varying degrees. It is no wonder that many car owners have exploded, and the increase in premiums of thousands of dollars does look like it is indeed a look of subsidizing the saved fuel money to the car insurance, which is difficult to accept for a while.
In response to the problem of a large increase in the premium of new energy vehicles, some car companies have also responded. Tesla's response is that Tesla's auto insurance rise is about 10% on average, while some high-performance models are up within 20%, but the specific quotation should also be based on the standards of different provinces and cities and the use of different owners.
Xiaopeng Automobile also gave a similar response accordingly, according to the response to the premium situation, the quotations of insurance companies in different regions are slightly different, and the average increase in Xiaopeng Automobile Insurance is between 2.9% and 18.2%, which shows that the span is still quite large.
In fact, most of the new brand cars have only risen and not fallen, but in addition to the sharp rise in the premiums of popular models, there are also some brand car premiums that are flat, or even slightly down. For example, the premium of BYD cars is three or four hundred yuan higher than before, and the floating is not too big. What's going on? The same is the new energy vehicle, why is the gap so large?
First of all, with the rapid development of the new energy automobile industry, it has put forward a big challenge for insurance pricing. Take the battery, the original pricing model is no longer applicable, but the data sample obtained in practice is limited, accurate pricing is difficult, new energy vehicles are new in recent years, compared to the history of fuel vehicles for more than 100 years, there must be no more data for insurance pricing reference.
Another important point is that the insurance liability and scope of new energy vehicle insurance have been expanded a lot. In fact, before that, new energy vehicle insurance was underwritten in accordance with the traditional fuel vehicle insurance terms, but the differences between the two types of cars in terms of performance, use, etc. are more obvious, for example, the new new energy vehicle insurance includes battery charging accidents that are unlikely to occur in fuel vehicles into the insurance coverage.
Therefore, in fact, the difference between new energy car insurance and fuel vehicle insurance is very large. New energy vehicle insurance should consider the main details such as charging piles and the "three electricity" system of the car, and most of the fuel vehicles only need to consider the gearbox and engine and other parts.
In addition, from the existing data, on the whole, the insurance frequency of new energy vehicles is about 3.6% higher than that of traditional fuel vehicles, of which the insurance rate of household cars is higher, and different models are slightly different, in other words, the insurance company's loss rate for new energy vehicle insurance is relatively high, so that insurance companies are facing the pressure of loss.
For consumers who need to buy new energy vehicles in the future, the rise in premiums will obviously have an impact, many insurance companies have increased the new energy car purchase car insurance of more than 200,000 yuan, consumers may be affected by the price when buying a car, and instead buy a model with a lower relative price, which will also have a certain impact on the pricing of new energy vehicle manufacturers in the future.
Another point that needs to be reminded is that because the subsidy for new energy vehicles in 2022 has gradually declined, the subsidy price has fallen by 30% on the basis of 2021, so the cost of buying a car for the majority of consumers is much higher, which are the problems that consumers who want to start new energy vehicles must consider.