With the continuous development of the new energy vehicle industry, electric vehicles have gradually entered thousands of households. However, the high insurance cost of electric vehicles is becoming a major stumbling block to their adoption compared to conventional combustion vehicles. Recently, the experience of a BYD pure electric vehicle owner has once again attracted widespread attention.
According to the car owner, when he was ready to renew the vehicle's insurance, he contacted a number of insurance companies, including Ping An, Pacific, Dadi, Alipay, etc., but most of the companies refused to pay for his electric vehicle. Even if some companies are willing to underwrite, the premium is as high as 6,000-8,200 yuan, which is several times that of fuel vehicles. PICC insiders even revealed that they would basically refuse to underwrite BYD, a well-known electric vehicle brand.
In fact, the high premium of electric vehicles has been a pain point for car owners for a long time. It is estimated that the annual premium of a pure electric vehicle of about 300,000 yuan is about 7,000 yuan, which is equivalent to 1.2-1.8 times that of a fuel vehicle of 50-600,000 yuan. Such a high cost undoubtedly increases the cost of using electric vehicles, making many consumers think twice when buying a car.
The main reason for this is that insurance companies are wary of electric vehicles. On the one hand, the battery pack of electric vehicles is very expensive, and in the event of an accident, it needs to pay for the repair costs, which brings a heavy financial burden to the insurance company. On the other hand, as an emerging product, electric vehicles have higher uncertainties in technical standards and safety performance, and greater potential risks.
From the insurer's point of view, it is reasonable for the insurer to avoid risks by refusing to insure some high-risk EV brands and increasing the premiums of other brands. However, from the perspective of consumers, the differences between different brands and models are too general, which only exacerbates the distrust of electric vehicles.
Faced with the problem of heavy premiums, electric vehicle consumers naturally feel helpless. However, in the long run, as EV technology continues to mature and the price of battery packs falls, its premiums will definitely fall accordingly. At the same time, the further improvement of the policy will also bring a controllable risk environment for insurance companies.
Increasing official financial subsidies may be a feasible solution. After all, reducing the cost of electric vehicles is not only conducive to the implementation of environmental protection policies, but also will promote the transformation of automobile consumption to electrification, which will have a positive impact on the development of the entire industrial chain.
In general, the high cost of electric vehicle insurance has become an important obstacle to the popularization of new energy vehicles. Relevant departments should fully consider the problem of excessive premium burden, and at the same time guide insurance companies to prudently assess risks, they should also formulate practical solutions to support electric vehicle consumers and make the new energy vehicle industry truly enter the track of healthy development.
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