Recently, the new energy vehicle market has been a bit lively.
Although the general reduction in car prices has brought a lot of good news to people who want to buy a car, for car owners who have already driven new energy vehicles, insurance problems have become a new worry for them.
Car owners found that the cost of car insurance did not fall but rose, and even encountered a refusal to renew the insurance, which directly confused and dissatisfied them.
Xiao Chen in Beijing's Changping District encountered such a problem. He drives a new energy vehicle and has not had any traffic accidents for three years, so it stands to reason that the premium should be reduced.
However, the fact is that the cost of his car insurance this year is more than 1,000 yuan more expensive than last year. Xiao Chen sighed: "It's easy to buy a car and it's hard to maintain a car, and the premium has risen ruthlessly." ”
Xiao Chen's case is not an isolated case. Some car owners are even denied insurance by insurance companies when they renew their insurance.
For example, Zhang Shuo (pseudonym) from Beijing, he recently bought a new energy vehicle and went to buy insurance with joy, but he was told that the risk was "too high" and was denied, but no one could say the specific risk points.
The reasons behind this are actually quite complex. First of all, the insurance pricing mechanism of new energy vehicles has not yet fully adapted to the market.
Although the state subsidizes new energy vehicles, which reduces the cost of car purchase, insurance companies usually calculate the premium according to the price before the subsidy, which is naturally higher.
In addition, the insurance rate and loss ratio of new energy vehicles are relatively high. According to Shenwan Hongyuan's research report, the loss ratio of new energy vehicles is close to 85% on average, and the insurance rate is much higher than that of traditional fuel vehicles.
Most new energy vehicles use high-voltage batteries and complex electronic control systems, which are very costly once they need to be repaired. In order to cover this part of the cost, the insurance company can only set the premium higher.
However, this has brought new problems, and some insurance companies have begun to be cautious about the insurance of new energy vehicles, and even unreasonable refusal to insure.
This situation is undoubtedly worse for car owners. They have to bear the high cost of buying a car and the unaffordable cost of insurance.
In this regard, industry experts call for optimizing the insurance pricing mechanism of new energy vehicles and prohibiting unreasonable refusal of insurance.
The Property Insurance Supervision Department of the State Administration of Financial Supervision has issued the Notice on Effectively Underwriting New Energy Vehicle Insurance, requiring property insurance companies not to refuse to insure compulsory traffic insurance for new energy vehicles, and commercial insurance should also be willing to insure as much as possible.
Now, with the rapid growth of the new energy vehicle market, it is particularly urgent to solve these problems.
Industry insiders hope that by improving the insurance pricing mechanism and strengthening supervision, it can truly solve the worries of car owners and make the development of new energy vehicles smoother.
Premiums do not fall but rise, and the policy may be rejected when renewing. Let's talk about a few points behind this.
The problem of high premiums is not unfounded. Due to the use of more high-tech and new materials, such as high-voltage batteries and complex electronic control systems, new energy vehicles have made the repair cost of vehicles much higher than that of traditional fuel vehicles in case of accidents.
The data shows that the loss ratio and insurance rate of new energy vehicles are relatively high, which leads to insurance companies in order not to lose money, so they can only set the premium higher. This is understandable, after all, insurance companies also have to make money.
Denial of insurance. This one is more of a headache. Insurance companies may choose to refuse insurance for high-risk new energy vehicles due to the need for risk control, or put forward higher premium requirements.
In this case, the car owner feels hurt, after all, they may not have expected to have so many problems with insurance when they bought the vehicle. However, from the insurer's point of view, they are also trying to avoid potentially large losses.
The government's support for new energy vehicles is very strong, not only with car purchase subsidies, but also with special notices on car insurance, requiring insurance companies not to unreasonably refuse to insure new energy vehicles.
In fact, this is also an effort to balance the market and ensure that the rights and interests of new energy vehicle owners are not infringed.
However, this problem cannot be solved overnight. The contradiction between insurance companies and car owners needs to be gradually balanced in understanding and adjustment.
For example, insurance companies can use big data analysis to more accurately assess the risks of new energy vehicles, so as to provide more reasonable premiums.
At the same time, it is also possible to strengthen cooperation with car manufacturers to improve maintenance and spare parts supply issues, which can also fundamentally reduce maintenance costs, which in turn affects insurance premiums.
In general, the development of the new energy vehicle market is still on the way, and the car insurance sector also needs to be continuously adjusted and improved as the market matures.
For car owners, it is necessary to understand and accept the unique insurance status of new energy vehicles, and for insurance companies, how to deal with the balance between risk and service is also a topic they need to solve. The market is still growing, and all parties need to have an adaptation process.
What do you think?