Wang Chuanfu: BYD car insurance is officially launched! Netizen: The premium price is really cheap!

Rice grains say car

2024-05-16 15:17Posted in Jiangsu Automobile Creator

When you buy a car, you must buy car insurance, this is common sense!

For the auto insurance business, it is basically equivalent to a steady profit and no loss business, and it is also the most outstanding "cash cow" of major insurance companies. The car is not insured, and the premium goes completely into the pocket of the insurance company; It doesn't matter if the car is insured, the premium will be increased in the second year, and there will be a phenomenon that the car claim amount is high and the major insurance companies refuse to insure.

There are many cases of high premiums for electric vehicles, mainly because once an electric vehicle has an accident, the amount of repairs will be particularly high. It is in this context that Tesla said two years ago that it would launch Tesla insurance, but it has not yet been fully rolled out in China.

On the contrary, BYD Auto exposed the news that it was going to enter the car insurance business last year, and the approval was approved in March this year. In May this year, the first auto insurance policy has been officially issued, and the pilot is a 4S store in Shandong, and the new car insured is the BYD Dolphin, with a guide price of 112,800.

The insurance includes compulsory traffic insurance, car damage, deductibles and driver and passenger insurance, with a total premium of 3,900 yuan. It is worth mentioning that this insurance is directly given to this lucky user for free.

Strictly speaking, if you refer to this amount, the price of BYD car insurance is actually quite cheap, because the previous premium was about 5000-6000 yuan, and in the future, manufacturers will launch more competitive premiums according to different models. To be honest, I think this is a "bombshell", maybe many netizens are not aware of this problem, and there will be a lot of chain reactions in the future.

Let's popularize it with you first, after we buy a new car in a 4S store, most of the insurance is handled directly by the dealer. In fact, the 4S store itself does not have insurance business, but the insurance company is stationed in the 4S store to handle it, and some rebates will be given to the dealer in the later stage. This brings up the problem that these insurance branches need to be profitable, and they also need resident costs. For example, if the premium profit of a car is 3,000 yuan, then the dealer will get 1,000 yuan, the insurance intermediary will get 1,000 yuan, and the 1,000 yuan will belong to the insurance company.

The significance of BYD's insurance launch this time is to remove part of the profits of insurance intermediaries, saving dealers' office space and water and electricity expenses. What's more, after a car accident needs to be claimed, most of the profits are directly left in the dealership, and there will be no situation where the insurance company will take the damaged vehicle to an outside auto repair shop.

For potential franchisees, this has a great temptation, joining a BYD 4S store, not only pre-sales and after-sales in one go, even car insurance, post-maintenance are one-stop, so that the possibility of the boss to join will be greatly improved. What's more, BYD cars are all electric vehicles, with positioning and sensors, where the accident hit at a glance, almost no longer let the incident of insurance fraud happen, this is the real core point of BYD insurance, the cost will be controlled very well.

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