Text: Jiuli
Entering 2022, oil prices are all the way up, so far, there have been two rounds of sharp rises, respectively, January 17 rose 345 yuan / ton, January 29 rose 310 yuan / ton, the two rounds of increases added up to 655 yuan / ton. Coupled with the last increase of 140 yuan / ton in 2021, the cumulative increase of the "three consecutive increases" in oil prices is as high as 795 yuan / ton.
International oil prices are also moving towards the $100/barrel mark. On February 14, WTI crude futures for March delivery rose 2.53 percent to close at $95.46 a barrel, while Brent crude futures for April delivery rose 2.16 percent to close at $96.48 a barrel, both of which hit their highest since October 2014.
Domestic refined oil prices will also usher in "four consecutive rises". Zhuo Chuang information data shows that as of the 8th working day of the cycle, the crude oil change rate was 4.25%. At present, it is expected that the oil price will be raised by 185 yuan / ton, equivalent to 0.14 yuan / liter - 0.16 yuan / liter.
It is understood that the current price of Beijing No. 92, No. 95 and No. 98 gasoline is 7.67 yuan per liter, 8.16 yuan per liter and 9.14 yuan per liter, respectively, and the price of No. 0 diesel is 7.37 yuan per liter. This makes many people driving fuel vehicles feel stressed. At the beginning of the year, a tank of oil was less than 400 yuan, and now it is as high as 550 yuan.
It is the continuous upward trend of oil prices that makes Chinese people gradually prefer to buy hybrid models or pure electric vehicles when buying cars. Therefore, the sales of these two types of models have "risen in the water" in the past two months, accounting for 30% of the overall sales of automobiles. With the good prospects for new energy sales, on October 24, 2021, the state released the "carbon peak" plan, indicating that the penetration rate of new energy vehicles will reach 40% by 2030.
Indeed, pure electric vehicles save a lot of money than fuel vehicles. The average fuel cost of fuel vehicles per kilometer is six or seven cents, but pure electric vehicles are basically less than a dime. The huge gap between the two has made many people quite excited about pure electric vehicles.
At present, the stock of new energy vehicles in the mainland has reached 6 million, but many new energy vehicle owners have begun to complain and even regret buying new energy vehicles. The reason is that they spread out the cost and don't feel that they have taken advantage of anything!
New energy vehicle insurance has the phenomenon of "high insurance and low compensation", unlike fuel vehicles, if there is no accident, the premium can be reduced year by year, while the price of car insurance for new energy vehicles is rising year by year! According to a car owner posted that last year, the salesman reported that Tesla Model Y car insurance was 8500 yuan a year, and this year it will be tens of thousands of yuan, asking the reason for the price increase, the salesman only responded to the price increase at the company level.
So, why is the price of new energy vehicle insurance higher than that of fuel vehicles?
First of all, many car owners feel that the new energy vehicle is sufficient and the brakes are difficult after driving new energy vehicles. Compared with fuel vehicles, new energy vehicles require drivers to use the brakes more precisely. Therefore, there will be more bumps in new energy vehicles, which is a big expense for insurance companies.
Secondly, new energy vehicles are emerging products, which have not passed the test of time, and the stability of technology is not enough. Insurance companies are under pressure due to inadequate market validation. Many 4S stores put some pressure on insurance companies, so insurance companies can only resist risks by raising prices.
Third, new energy vehicles are different from ordinary fuel vehicles, there are many sub-factory parts, which can be repaired in some ordinary repair shops to reduce costs. The maintenance of new energy vehicles is difficult and the maintenance accuracy is also high. The maintenance of some parts can only be done by the professionals of the 4S shop, and the cost is much higher than that of ordinary repair shops.
Fourth, if the battery or electrolyte is encountered in the accident, the maintenance cost of these two components may reach tens of thousands or even 100,000, resulting in the vehicle having no maintenance value and only scrapping, which makes the underwriting insurance company miserable.
Fifth, what insurance companies cannot accept most is that the current price of new energy vehicles in terms of parts and components is not transparent, and there is no detailed data on the zero-to-integer ratio of each model. So far, the China Insurance Research Institute does not have zero-to-integer ratio data for new energy vehicles, and after many new energy vehicles have traffic accidents, they are determined by 4S stores to determine the loss and determine the price, and the insurance company can only obediently pay because it cannot grasp the pricing power.
Sixth, and the most critical point, the supporting system related to new energy vehicles is not perfect, and exclusive car insurance has not yet been launched into the market. The insurance clause of fuel vehicle insurance can only be used in new energy vehicles on sale, which is also the embarrassment of the current new energy vehicle insurance.
In addition to "high insurance and low compensation", many car owners regret it for other reasons after purchasing new energy vehicles, including the problem of too few new energy charging piles. During the National Day in 2021, a car owner who drove back to Hunan from Guangdong said that due to the problem of queuing for charging, the original 8-hour driving time was delayed to 16 hours. At the same time, some car owners said that in addition to charging, the parking fee of charging piles should also be charged. Even if you choose the "fast charge" mode, the fastest time is one hour, and the various costs add up to a really big expense.
It is worth mentioning that new energy vehicles also have a "service life". When the core parts power battery is "scrapped", another battery needs to be replaced. Insurance companies can not also include parts such as the 3-electric system in the scope of compensation, that is to say, once the battery has a problem, the owner can only replace the battery out of his own pocket. The price of replacing the battery is not cheap, and even some car owners said that it is better to change the battery than to change a new energy vehicle. In addition, once the new energy vehicle is resold, the retention rate is greatly reduced compared with ordinary fuel vehicles, which also makes the new energy vehicle a high-risk household investment product.
In this regard, in August 2021, the China Insurance Industry Association issued a notice on soliciting opinions on the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (2021 Edition for Comment)" to warm up the insurance "tailor-made" of new energy vehicles. At present, many domestic insurance companies such as Ping An, PICC and CPIC have also begun to develop and design captive insurance for new energy vehicles. Recently, the Banking and Insurance Regulatory Commission has clearly proposed to launch new energy vehicle insurance in due course.
The Ministry of Industry and Information Technology also issued a document on October 28, 2021, saying that it will promote the pilot work of the new energy vehicle replacement model in 11 cities across the country, and cumulatively promote more than 100,000 power exchange vehicles and more than 1,000 power stations. It is believed that with the implementation of the system, these problems will be solved, and it will promote the mainland to move faster and faster towards the field of new energy vehicles.