Zhongxin Finance, January 14 (Ge Cheng) The exclusive insurance for new energy vehicles was officially launched at the end of December last year. Recently, many car owners reported that the insurance premiums for vehicles have increased, and the rate is not small.
Some car owners even vomited bitterly: "The fuel money saved by buying a tram was pulled back by the insurance, and the cost of using the car was chasing the fuel car."
What is the sacredness of the exclusive insurance of new energy vehicles?
Is the premium really nearly doubled by the car owner?
In this regard, Zhongxin Finance launched an investigation.
What is the holy grail of captive insurance?
The "Exclusive Terms of Commercial Insurance for New Energy Vehicles (Trial)" (hereinafter referred to as the "Terms") is a new term issued by the Insurance Association of China on December 14, 2021.
The "Terms" are mainly formulated according to the characteristics of new energy vehicles, and make a clearer division of insurance liability, which not only provides protection for the "three electricity" system, but also comprehensively covers the use scenarios of driving, parking, charging and operation of new energy vehicles.
Data map.
Photo by China News Agency reporter Jia Tianyong
Different from traditional motor vehicle insurance, the "clauses" have developed three new types of insurance, including "loss insurance for self-use charging piles", "liability insurance for self-use charging piles" and "additional external power grid failure loss insurance", in combination with the characteristics of new energy vehicle charging. It covers not only the loss of the vehicle, but also the loss of auxiliary equipment such as charging piles, as well as property damage and personal injury that may be caused by the equipment itself, aiming at the risks generated by auxiliary facilities in the application of new technologies.
This is also the first time that auto insurance has covered fixed auxiliary equipment outside the car, which is pioneering.
The "Terms" expresses in a clear-cut manner, customized insurance liability, and highlights the structural characteristics of the "three power" systems of new energy vehicles.
Such as batteries and energy storage systems, motors and drive systems, etc., and expand the coverage to specific vehicle usage scenarios, such as self-service charging, special vehicle engineering operations, etc., upgrade and optimize the connotation and extension of traditional auto insurance, and enhance the applicability of the terms , targeted.
It is reported that the exclusive product of new energy vehicle commercial insurance has been officially launched on December 27, 2021. Auto insurance includes new energy vehicle loss insurance, new energy vehicle third party liability insurance, and new energy vehicle onboard personnel liability insurance. The three main insurances and There are 13 additional insurances, and special protection plans have been formulated according to the characteristics of new energy vehicles.
Why do premiums go up?
Tesla officials also responded to the insurance prices generally reported by car owners.
According to statistics, the average increase in premiums for Tesla vehicles is around 10%, and the increase in premiums for high-performance models that are more concerned is within 20% on average across the country. The specific amount needs to be quoted by the local insurance company.
And Xpeng Motors also immediately released the "Explanation on the Changes in Premiums of Xpeng Brand Model Commercial Auto Insurance on the Launch of New Energy Auto Insurance Products".
According to Xiaopeng Motors, according to the national insurance premiums reported by various insurance companies on December 28, 2021, the average increase of Xiaopeng Motors' models across the entire line ranges from 2.9% to 18.2% (the increases vary slightly between insurance companies, regions, and models). Please refer to the quotation from the local insurance company for the amount.
In fact, the wider coverage, wider coverage and more applicable conditions of new energy vehicle exclusive insurance are also the reasons for the increase in premiums.
However, according to the official data of various brands, after the exclusive insurance for new energy vehicles was launched, the officials of each brand stated that the increase in premiums was not large. So what caused some Tesla owners to "wail" about the increase in premiums?
Taking a Tesla Model Y, a best-selling model in China as an example, before the launch of the new energy vehicle commercial insurance exclusive product on December 27, 2021, the premium for a new car for one year is about 8,000 yuan, and the new insurance product is launched. Later, the premium was about 14,000 yuan, an increase of nearly double, and the models with large premium increases were mostly concentrated in new energy high-performance models of various brands. What is the reason?
This is related to its special craftsmanship, and the extensive use of all-aluminum materials for the body and suspension.
Although aluminum is light in weight and has good performance, it can effectively improve the acceleration and handling of vehicles. However, due to the lack of physical ductility of aluminum itself, it cannot be used for sheet metal painting operations like steel. Once a collision occurs, it needs to be replaced as a whole. Therefore, maintenance The higher the cost, the higher the premium coefficient of the model will naturally rise.
It is understood that after the launch of the new regulations, most brands of new energy vehicle insurance have experienced a certain degree of increase, but some models have also reduced their insurance prices.
For example, the premiums of several new energy models of BYD and Roewe declined instead of rising.
So on the whole, it is not a common phenomenon that some car owners reported that "the fuel money saved by buying trams is pulled back by insurance", but it is only caused by the insurance company's rise in premiums for some specific models due to comprehensive reasons.
Although the premiums of some models did increase after the new energy vehicle commercial insurance product was launched, the increase in premiums caused by the new regulations is limited, and the insurance coverage is greater after the implementation of the new regulations, so it will not To increase the cost of using new energy vehicles, it is nonsense to say that new energy vehicles "cut leeks" through insurance premiums.
(Finish)