Weilai Automobile has established an insurance brokerage company, and the new energy aftermarket car companies may accelerate their entry

According to the news of the U.S. Stock Research Agency, the enterprise check APP shows that on January 19, Weilai Insurance Brokerage Co., Ltd. was established, the legal representative is Qu Yu, the registered capital is 50 million yuan, and the business scope includes: insurance brokerage business; insurance agency business; insurance concurrently business agency business. The enterprise investigation of equity penetration shows that the company is 100% controlled by NIO Holdings Limited.

At the end of 2021, the China Insurance Industry Association issued the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)", including new energy vehicle loss insurance (i.e. "vehicle damage insurance"), new energy vehicle third-party liability insurance (i.e. "three-party insurance"), new energy vehicle vehicle personnel liability insurance, three main insurances and 13 additional insurance, and the insured can choose all or part of the insurance. Tesla said that the average increase in vehicle premiums nationwide was about 10%; Weilai Automobile said that the overall premium changes were related to factors such as the user's region, violation records, and past insurance situations; Xiaopeng Motors said that the average increase of all models ranged from 2.9% to 18.2%.

After this, the rise in insurance premiums for new energy vehicles once became a hot topic. In this regard, many industry views point out that the direct layout of aftermarket services by car companies or power battery-related enterprises in the new energy industry may be stronger than that of third parties going it alone. The reason is that car companies have a deeper understanding and operation ability of the supply chain, and can also better serve users.

In the future, with the better collection and analysis of vehicle big data, the pricing of car insurance will be further compared with the state of the vehicle itself to reduce premium errors. To this end, the strategic position of car companies is indispensable.