On December 31 last year, the Ministry of Finance, the Ministry of Industry and Information Technology, the Ministry of Science and Technology, the National Development and Reform Commission and other four ministries and commissions jointly issued a "Notice on the Financial Subsidy Policy for the Promotion and Application of New Energy Vehicles in 2022". It said that in 2022, the subsidy standard for new energy vehicles will be reduced by 30% on the basis of 2021. For vehicles in the field of urban buses, road passenger transport, online ride-hailing and taxis, postal couriers, civil aviation airports, and party and government organs that meet the requirements, the subsidy standard will be reduced by 20% compared with 2021. And 2022 will be the last year to implement the subsidy policy for new energy vehicles.
Also at the end of last year, the China Insurance Industry Association issued the "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial)", which stipulates that all new energy models need to be insured with new energy vehicle insurance. The clause clarifies that the driving, parking and charging process of new energy vehicles are within the scope of captive insurance product protection, covering almost all use scenarios.
Because the structure of new energy vehicles is not smallly different from traditional cars, components such as Sandian are more prone to risks, so it is foreseeable that new energy exclusive car insurance is independent. The birth of new energy exclusive car insurance has also directly led to the rise in the premium of new energy models, some car owners said that the premium increase was as high as 80%, compared with the previous premium to pay more than 6,000 yuan, this news once rushed to the hot list caused many car friends to complain.
With the emergence of these two news, many people have just been born to buy new energy models the idea has been eliminated by more than half, thinking that the fuel money saved by new energy models is on the premium, and the preferential margin is not large. But is that really the case? In fact, new energy vehicle subsidies since 2009 until now, nearly 12 years of new energy vehicle market subsidies have been steadily reducing the subsidy range, although some car companies will be because of the subsidy decline a little price increase, but the range is not large, there are also some car companies to launch preferential activities to help consumers bear the extra price because of the reduction of subsidies to improve the competitiveness and reputation of the product, so do not worry too much about the price of the model.
The high increase in the premium of exclusive insurance for new energy models is only a phenomenon of individual car owners, and it is also related to the loss rate of vehicle brands. And most of the high-growth phenomena appear in new energy models of more than 250,000 yuan, while more new energy vehicles priced below 250,000 yuan have little change from before, and even declined. According to the "Times Weekly" report, after the official sale of new energy vehicle exclusive insurance, about 50% of the benchmark premiums of new energy vehicle owners will decline, while 30% of the car owners' benchmark premiums will be flat, and the introduction of new energy exclusive models not only expands the scope of car insurance protection, but also sets up many types of insurance for new energy vehicles, in case of charging fires and other accidents, it is more convenient for insurance companies to determine losses and car owners to claim.
Therefore, new energy models can still be started, extremely low travel costs and purchase taxes and other policy dividends are still there, especially in first-tier cities such as Beijing, Shanghai, Guangzhou, and Shenzhen, do not have to bother to grab the indicators directly on a new energy license It is not fragrant?
(Image from the Internet)
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