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Illustrate:
Insurance, a seemingly ordinary industry, is recently facing the problem of becoming the development of electric vehicles.
Especially for manufacturers with deep accumulation in the field of electric vehicles, such as BYD.
They are facing unprecedented challenges. According to a recent report released by PICC:
Insurance recognition for BYD's electric vehicles is generally low this year, which has undoubtedly caused a lot of trouble for the electric vehicle giant.
So, why is this happening?
First of all, the high-tech construction and special nature of electric vehicles make it difficult for insurance companies to assess risks. Compared with traditional fuel vehicles:
The core components of electric vehicles, such as batteries and motors, are not only costly, but also greatly more difficult to repair and maintain.
This undoubtedly increases the difficulty of insurance companies in assessing the loss when dealing with tram insurance.
In addition, the safety performance of electric vehicles is also a focus of concern for insurance companies.
Its special structure such as high-voltage system and charging equipment makes the tram have certain safety risks in individual cases.
Insurers need to consider these factors when reviewing tram insurance policies to ensure the viability and sustainability of the insurance
I don't know if I will selectively retreat in the face of these people?
Netizen's point of view:
Epilogue:
Why is tram insurance expensive. The main reason is that the car price is high, the car damage premium is high, and the tram compulsory insurance has no vehicle and vessel tax, which is cheaper than the oil car. Compare the price of 60,000 or 70,000 cars with 200,000 or 300,000 tram damages? Why don't you compare the price of car damage with BBA of the same level? The operating tram premium should be compared with that of a taxi of the same level, so does it make sense to compare the price with that of a private car? If you want to say that it can compare the price of a B with a zero whole ratio?
Some netizens said that insurance companies like to talk about pi, just to make money. According to the momentum of new energy development, if the insurance company does not reduce the price, someone will immediately teach you how to behave. BYD has already acquired its own insurance company, and in the future, BYD's car owners will go to the manufacturer's own insurance company to insure, and there will be no other insurance company. What do you think
Compare more than 300,000 oil cars and more than 300,000 trams, and say that the premium is a hooligan. Take the premium of low-configuration or low-cost oil cars (such as the three major Japanese models) to compare the 30/400,000 trams, hehe. I bought a naked car more than 300,000 yuan more than 10 years ago, with a premium of 12,000, and last year's naked car was 300,000 trams, with a premium of 7,800, who is expensive and who is cheap, at a glance. You say whose premium is more expensive.