There is a dilemma in car insurance for new energy vehicles.
It is no secret that there are two dilemmas in car insurance for new energy vehicles, one is that the insurance is expensive, and the other is difficult to renew.
Chongqing Daily: Xiaomi SU7 premium is 7000-8000 yuan, Maserati only 6000 yuan?
According to the "Chongqing Daily" late at night on the 12th, the Xiaomi SU7, which costs more than 200,000 yuan, has an annual premium of 7-8,000 yuan, while the new Maserati car (fuel car) priced at 680,000 yuan has a first-year premium of only 6,000 yuan.
Xiaomi SU7 "overtakes" Maserati by about 2 thousand?
In comparison, Xiaomi SU7 "surpasses" Maserati by about 2,000. This data has made many netizens break their defenses. Some people think that this upside down is too serious, and some people think that Martha's premium is more than 6000.
New energy vehicles: The car insurance is about twice that of fuel vehicles.
According to an insider, if you look at the premium ratio of the same car price, the car insurance of new energy vehicles is nearly twice that of fuel vehicles. According to this ratio, it means that more than 200,000 oil trucks have more than 3,000 premiums, which is indeed the number in reality.
New energy: There is no insurance, and the renewal is raised. Once out of insurance, 2 times the premium is not a dream.
For some trams, even if they are not insured, the renewal premium has increased slightly. In the previous year, once the insurance was out, it was not a dream to increase the premium price by nearly 2 times, and it is not an exaggeration to say that the three insurances have risen sharply.
The root lies in the "three-electric" system.
In the final analysis, it is still the "three electrics" system of new energy vehicles, which is really loved and hated. I love it for being high-tech and environmentally friendly, and I hate it for being that once something goes wrong, the cost of maintenance is not a joke.
Some parts are only replaced but not repaired, and insurance companies are not stupid.
Sometimes if you change the parts, the price is enough for us to eat several hot pots. Moreover, some parts cannot be repaired yet, but can only be replaced, isn't this a clear loss of money for the insurance company?
Car owners pay high prices, but insurance companies are miserable.
Therefore, this new energy vehicle insurance market is like a huge whirlpool, involving both car owners and insurance companies. Car owners are paying out of pocket, but insurance companies are miserable.
No, some data show that the loss ratio of new energy vehicle insurance is close to 85%, and the new energy vehicle insurance business of most insurance companies is on the edge of the profit and loss line.
Netizen suggestion: Xiaomi learns from BYD and establishes an insurance company.
But yes, it's not like there's no solution. Some netizens suggested, Xiaomi learn from BYD and set up an insurance company business quickly!
After all, Xiaomi's own products are so cost-effective, and if you get an insurance company, won't it bring some benefits to car owners?
The whole chain of Xiaomi ecology is fully managed, and the car is fully managed for a lifetime.
Own products are guaranteed by themselves, the whole chain of Xiaomi ecology, from design and production to sales and after-sales, this car is fully managed for a lifetime, just a second-hand car and scrapped battery recycling.