For everyone's life now, the car can be said to have one or two cars in every household, which is also a very common situation, and in the past two years, there are more and more new energy vehicles that are very popular, that is, trams, and more and more people choose this means of transportation, and there is a key issue with it, that is, the insurance of trams.
Although the tram is relatively low in terms of consumption (charging), and the value of use is not very expensive, but after the tram is bought, many different insurances need to be paid, and the maintenance of the battery is also very important.
If you were asked now, would you choose a petrol car or a tram?
With the change of the times, there are more advanced technology products around us, and the tram is naturally a product of this, so in the face of the problem of choosing trams and oil cars, there are still many people involved, but there is also a question that troubles everyone, that is, why the insurance of trams has always been more expensive?
If you have to ask about the gap between the insurance of the tram and the petrol car, this is fundamentally obvious, and it can also be said that the cost of the tram will be higher than that of the petrol car when you buy it, and this is the case when you sign the purchase contract.
The problem of buying a fuel car is still relatively obvious, that is, how many kilometers of maintenance, how often to overhaul and how often to repair, and there is also the problem of fuel consumption, but the tram is not the same in this regard, because the tram not only needs to consider the battery life in ordinary use, but also the cost of electricity, safety and insurance.
With the development of the new energy industry in the mainland is getting better and better, there are also a lot of new energy vehicles to consider, these brands have their own merits, but they have always been unable to avoid participating in the consideration of this problem, because the existence of trams is to overcome the consumption of energy, with a good side will naturally appear not so good.
In fact, in the face of charging problems and battery life problems, this is relatively easy to solve, even if there is no power can be charged, but a problem that can not be avoided is the problem of tram insurance, now in the car insurance industry, the most variable can be said to be the new energy car.
The insurance price of new energy vehicles has always been relatively high, and the price is still gradually rising, and slowly people have found a new situation, that is, when people choose insurance, as long as it is mentioned that there will always be some insurance companies that choose to refuse to insure, why is this?
This refusal to go out of insurance is definitely not a minority, presumably this point for new energy vehicle owners are still accustomed to, at that time we chose to buy a tram in order to be able to save a part of the fuel money, on the other hand, it is also to reduce the consumption of money, in general, everyone buys a tram is to feel cheap and saving, this is the idea of most people.
But after actually buying a petrol car back home, you will find that the tram will not save much money compared to the petrol car, because the insurance of the petrol car is basically getting cheaper and cheaper over time, and there is no saying that any insurance company will refuse to pay the insurance (except for special cases), but this is not the case with the tram at all.
For the tram, we can take a look at the actual use of the owner of the owner, he is one of the users of BYD car, at that time his tram insurance was about to expire, he wanted to quickly find some insurance companies to renew the second year of insurance, but when he contacted many different insurance companies, many places chose to refuse to issue insurance.
The insurance companies in it have many insurance brands such as Ping An, Pacific, Dadi and Alipay, but there are few companies willing to insure, even if there are insurance companies to give insurance prices are very high, in the range of 6000-8200, such prices are probably several times that of oil trucks, why is this?
In terms of PICC's performance, few of BYD's cars can be insured
After this netizen posted his personal experience on the Internet, many people also commented and discussed below, but the results were relatively similar, that is, their trams also encountered several refusals to be insured, and it is not difficult to see from here that the possibility of the tram being denied insurance is really high, and a staff member of the People's Insurance Company also commented on this.
According to his meaning, BYD is now the most famous tram brand, but BYD's tram is now very few can be insured, even if there is a company with insurance, then the cost of insurance is also very high, even higher and higher year by year, is it possible that the tram has become a car that insurance companies are very disgusted with?
Although the current price of trams is not very high, there are different models for people to choose from in the range of tens of thousands of yuan to hundreds of thousands of yuan, if you take a tram of about 300,000 yuan as an example, the insurance premium of this kind of car is about 7,000 yuan per year, and this price can not be reached even if it is a fuel car in the range of 50 to 600,000 yuan.
In this regard, some evaluators have made relevant statistics, that is, the insurance cost of oil cars will be much cheaper than the insurance cost of trams, this comparison is about 1.2-1.8 times, which seriously affects the development of trams in the future industry, and also makes people who consider buying trams very headaches.
Although everyone's safety awareness is still very high, and driving on the road is basically very careful, but insurance is also to give everyone an extra layer of protection, and slowly people who want to buy trams have begun to struggle, because the tram is not much cheaper than the oil car, so which one to choose?
Moreover, there are more and more friends who are involved in the discussion of this issue, and the topic of oil cars and trams is becoming more and more "intense".
In fact, when it comes to this, we can understand it by thinking about it, insurance is for people to encounter problems in the process of driving with an extra layer of protection, and the aspect of compensation must also be prepared by the insurance company, even if there are not many people in accidents, but as long as there is a problem with the tram, then it will be highlighted in the process of compensation and maintenance, because the price is really high.
In order to ensure that the insurance company in the development process of a positive economic development, so they need to consider a lot of aspects, increase the insurance premium in order to be able to operate better, and refuse to issue insurance is also to avoid more serious problems, although such a situation is a headache for car owners, but there is no way to do it.
In the daily driving process of the tram, if you encounter those limited areas will not be restricted, and the protection of the environment is also more appropriate, which is why the development of trams is vigorously promoted, and the tram may indeed be a promising industry in the future, but its problems can not be avoided.
The insurance issue about the tram is also one of the more obvious among so many different problems, no one's money is blown by the wind, people must consider a series of car costs before buying a car, otherwise it will become a pressure in life, presumably everyone does not want to face such a thing.
Conclusion
Now for the tram, it is true that a lot of different preferential policies and welfare experiences have been introduced, which are also to allow more people to choose the tram, but since the issue of tram insurance has been on the hot list, people have gradually calmed down.
In the face of such a situation, in fact, it still depends on what everyone's usual needs are, and what is the environment for using the car, these issues are all issues that need to be considered comprehensively, what do you think about things like trams?