Recently, some owners of new energy vehicles have had unexpected problems when renewing their clear insurance premiums. Some insurance companies require car owners to add expensive additional insurance, otherwise, they will not renew the insurance, and some are directly refused by the insurance company. This is a big headache for car owners.
Mr. Ye (pseudonym), the owner of Weimar pure electric vehicles, said that he bought a new energy vehicle four years ago and has been insured by Samsung Property Insurance Company for three years. This year, when Mr. Ye was about to pay the insurance premium, he was rejected by Samsung Property Insurance Company for no reason. In the first three years, it was normal to pay insurance premiums, but now, Samsung Property Insurance Company says that it cannot continue to insure. When asked about the reason for the refusal of insurance, the customer service staff of Samsung Property Insurance Company said: "Because of this model, our company will not allow it to be done, and there are restrictions on underwriting." ”
There are journalists from state media, who investigated this. The customer service staff of Samsung Property Insurance Company said that their company did not refuse to insure not only WM models, but all new energy vehicle insurance business, which was stopped this year. The reason is that the loss of new energy vehicle insurance is too serious. Therefore, now new energy vehicles have restrictions in this regard. In fact, not only Samsung Property Insurance Company, but Pacific Insurance Company also told reporters that because the models of new energy vehicles are controlled, they cannot continue to be insured this year.
The Chinese Life Insurance Company, for new energy vehicle owners to continue to insure, requires additional insurance, seat insurance or other insurance, the original annual insurance premium of more than 3,000 yuan for the owner has increased to more than 4,000 yuan, even so, the staff of the insurance company also said, "Even if you buy seat insurance, I have to ask the leader to apply for approval." Later, the staff of the insurance company said privately that in terms of new energy vehicle insurance, the insurance company has suffered serious losses, and the internal has prohibited vehicles that are five years old and above from continuing to be insured.
As we all know, insurance companies are enterprises, that is, they are aimed at making money, and they will not do business that loses money. According to several official media, the customer service staff of many insurance companies have made it clear that due to the serious losses of the car insurance business of new energy vehicles, they can only increase the price in disguise or directly refuse to insure. In this regard, the relevant person in charge of Samsung Property Insurance Company said that the maintenance cost of new energy vehicles is high and it is difficult to assess damages, so compared with traditional fuel vehicles, the insurance claim cost of new energy vehicles will be higher. Moreover, the battery is also a new product, how to repair it, how to identify it, there is also a lack of a standard, which is also a factor that leads to the high cost of new energy vehicles.
Ping An Property Insurance Company's car insurance telephone customer service also told reporters: "In the event of a collision of fuel vehicles, the amount of individual parts should be as much as possible; the collision of new energy vehicles often damages not only one part, but the whole is broken, so the amount of compensation will be higher." Therefore, the car insurance sector of new energy vehicles is not profitable, and all of them are losing money, so insurance companies are now able to do not do it. ”
People in the legal profession have different views on this. However, their different views are not recognized by insurance companies. Insurers still follow their internal decisions. In front of the deep-pocketed insurance company, car owners are like ants in front of an elephant. If you pay more premiums, you will pay more. If you refuse insurance, you can't do anything.
So many owners of new energy vehicles can only admit bad luck.
(ENDS)