A while ago, new energy car insurance was hyped up, and some media reported that Tesla car insurance rose by 80%, and many brands followed suit.
Undoubtedly, the impact of electrification, intelligence and driverlessness of new energy vehicles on insurance is obvious. After all, new energy vehicles are not traditional fuel vehicles, and they also pose a challenge to the auto insurance industry, which is dominated by traditional cars.
The first challenge is that new energy vehicles and traditional fuel vehicles are two completely different species.
Traditional fuel vehicles are a steel product, and new energy vehicles are a lightweight product of aluminum alloy. This results in relatively large repair costs and other risks.
For example, aluminum alloys cannot be modified relatively correctively. If there is a bump, or if there is a problem in the middle, the frame needs to be cut or replaced, which is different from the adjustment of steel.
Therefore, in several parts of car insurance: vehicle loss, third party loss, vehicle personnel, vehicle loss is the biggest influencing factor, and the cost increase is also large. Third-party risks also increase (hence the rising tide).
The second is that the model structure is different, and new energy vehicles have batteries and motors, which is also a potential challenge.
The integrated design of battery design, electrode electronic control and so on will bring problems in all aspects of vehicle maintenance. Especially after the popularization of Tesla's CTC technology, the chassis and battery are integrated.
For example, the maintenance of batteries, the detection is not as simple and clear as the engine, and the working hour standard is not easy to define, which is a basic technical problem, resulting in insurance companies doing actuarial calculations will be different.
The third is the inability to effectively judge the use status of the vehicle.
Tesla's data is also 2021 years of age to enter a period of relatively high-speed growth. New energy vehicles (especially pure electric vehicles) are mainly used to determine the state of users.
Running 3,000 kilometers a year, 30,000-50,000 kilometers, or like the 100,000 kilometers of online car drivers, the probability of different use states is very different, so how to insure is a complex problem.
In addition, some of the upfront data is distorted, some are product data, and some are distorted by the use of data, which can lead to the insurers lacking the basics when setting up.
Insurance companies have no data, because they do not understand the use status of the car and technical improvements, so they cannot make corresponding product estimates before insurance, and then they are more passive.
Fourth, autonomous driving is also a big challenge for traditional car insurance.
As for the impact of the popularization of autonomous driving on the market, it is not particularly good to assume.
One is the scope of the expansion of automatic driving; the second is the acceptance of society as a whole (especially drivers); the third is that after the popularization of automatic driving, liability insurance, especially the liability insurance to be insured by automobile manufacturers, may account for a relatively large proportion of car insurance, because traffic accidents may be product quality problems.