Source: Guangzhou Daily
More attention has been paid to how the insurance premiums of some brands that are about to launch new energy models will change in the future.
"I picked up the car a few days late, and the insurance premium was about 10,000 yuan more if I was caught off guard." Xiaoxin, a new Tesla owner who chose to pick up the car after New Year's Day, "regretted it". The more than 8,000 yuan inquired during the car has now risen to 18,000 yuan! Xiaoxin said: Buying a "tram" originally wanted to save a lot of "gas money", but now it feels like it's wasted in an instant. The reporter of
noticed that with the official launch of exclusive commercial insurance clauses for new energy vehicles and at the end of 2021, new energy vehicles have officially entered the era of exclusive auto insurance. However, many car owners find that their insurance premiums are much more expensive when renewing their insurance. In this regard, the National Passenger Federation also issued a special article pointing out that the introduction of exclusive insurance for new energy vehicles is a good thing, but it cannot make "new energy vehicles affordable and unaffordable".
Some car companies responded
Tesla: According to the statistics on December 30, 2021, the increase in Tesla vehicle insurance premiums is about 10% based on the national average. The range is within 20% of the national average (please refer to the quotation of the local insurance company for the specific amount).
Xiaopeng Motors : According to the national insurance premium feedback from various insurance companies, the average increase of all models of Xiaopeng Motors ranges from 2.9% to 18.2% (different insurance companies, different regions, and different models have slightly different increases, please refer to the specific amount) The local insurance company's quotation shall prevail).
survey:
insurance premiums have risen by over 10,000 yuan? "Tewei Xiaoli" "doesn't save money"
Not only new car owners find that the insurance premium is expensive, but also users who renew their insurance have similar findings. In January this year, when Mr. Huo, a citizen, was renewing the insurance under his name Model Y, he was taken aback by the quotation sent by the commercial auto insurance commissioner: on the basis of 30% discount for no insurance in the previous year, the price will directly start from the first year Nearly 6,000 yuan rose to 12,000 yuan, about twice as expensive. "Although some types of insurance were deleted and changed in the end, it still cost more than 10,000 yuan. This increase is about 6,000 yuan. If calculated on the basis of 500 yuan per month, it is a full year's worth of gas." Mr. Huo believes that this makes the new The cost advantage of energy vehicles over fuel vehicles is instantly weakened.
All-media reporters interviewed many car owners and noticed that after the launch of new energy exclusive car insurance, with the increase of new energy car insurance rights, many car owners have to pay a significant increase in premiums. For example, the premiums of Tesla, which has received much attention, have increased by more than 80% for four of the five models, and the car damage insurance alone has increased by more than 114%. According to the different models of "Wei Xiaoli", the insurance premiums also increase by 8% to 37%. For example, Ms. Zhou, who renews insurance for Xiaopeng P7, found that her premium has increased by about 14%.
According to the commercial auto insurance quotations obtained by all media reporters from various property and casualty insurance companies, there is a clear comparison between new and old new energy vehicle insurance premiums in some markets, and the "big" increase is concentrated in auto damage insurance, the most important commercial insurance.
It is worth noting that most of the new brands only go up but not down, but there are also some new energy models whose insurance premiums are flat or even falling, such as BYD Qin, SAIC Roewe E50, Ei5 and other models, the total insurance premiums are declining. It is all because of the "endorsement" of the old brands of traditional car companies.
Analysis: Why does new energy auto insurance increase so much?
Exclusive insurance is more detailed, covering all aspects
Compared with traditional fuel vehicle insurance, insurance industry insiders pointed out that the exclusive auto insurance design is more detailed. Sometimes there is social security in the back. Among them, it is worth noting that the triple liability insurance of traditional fuel vehicles has a maximum insurance amount of 10 million yuan, but the fire accident limit of new energy vehicles is doubled, and the maximum can be quadrupled. Forehead.
Cui Dongshu, secretary-general of the National Passenger Federation, believes that the probability of problems when charging pure electric vehicles is higher than that of fuel vehicles that are refueled, which is the basic reason for the increase in insurance premiums. Li Wenzhong, deputy director of the Insurance Department of Capital University of Economics and Business, said that the rate of auto insurance reflects the risk status of vehicles and market supply and demand, and the risks and rates of new energy vehicles are higher than those of fuel vehicles.
Failure rate and loss rate are relatively high
Pacific Insurance Company Ms. Wang in charge of the auto insurance business told the reporter that the policy cost of new energy vehicles has always been high, and maintenance costs and accident rate are the main reasons. “Currently the loss rate of new energy vehicles is generally more than 85%". According to data from China Bank Insurance Corporation, from 2016 to the first half of last year, the overall accident frequency of new energy vehicles was 3.6% higher than that of non-new energy vehicles, and the accident rate of new energy vehicles for household vehicles was 9.3% higher than that of non-new energy vehicles. The average compensation in the case is 2.7% higher than that of non-new energy vehicles.
Model Y is a model with a higher risk in 2021, and its claim ratio even reached 1:1.4, "It is equivalent to paying 1.4 yuan for a premium of one yuan, so the increase in premiums for Tesla models is reasonable." Ms. Wang told reporters that the high compensation rate of new energy vehicles puts the industry under greater pressure to lose money, and even leading companies can barely maintain a breakeven.
The cost of repair and replacement of parts is high
Battery claims have always been a pain point in new energy vehicle insurance. Mr. Liang, the after-sales director of Guangzhou Yizhong Automobile Maintenance, told the reporter that the current new energy car companies have special suppliers for their batteries, and they cannot be repaired. "The overall insurance premium increase for models using lithium iron phosphate batteries and is actually not that big."
In addition, the maintenance cost of the motor is not low. According to data from China Bank Insurance, 40% of new energy vehicles have an average replacement price of the motor every year. 07,000 to 14,000 yuan, and some cars are equipped with more than one motor. The cost of "replacing but not repairing" is also reflected in other aspects. For example, new energy vehicles such as Tesla, , Xiaopeng, and use die-casting one-piece bodies. If a place is slightly damaged, it is not easy to repair with sheet metal. You can only replace the entire frame, resulting in more expensive compensation than other models. Mr. Liang said that Tesla's accessories are more expensive. For example, the sunroof glass of Model 3 and Weilai ES6 can differ by nearly 4,000 yuan, which is also the reason for the higher premium increase.
New energy auto insurance "one price per car"
Ms. Wang from Pacific Insurance said that the factors involved in the insurance premium of new energy private cars are diversified, and the pricing of new energy auto insurance requires "one price per car", and the actual price will vary with the market. The environment, region, car owner's own situation and the independent pricing coefficient change. "The amount of insurance premiums to be paid in the current year is based on the comprehensive results of historical data. There are also certain differences in the risks of insured vehicles of different brands and models, and the records of accidents and violations of different vehicles are also different." For vehicles that have been insured twice, the rate will definitely increase in the new year, and the final premium will be more expensive.
Discussion: How to make new energy vehicles "affordable and affordable"
"New energy vehicles cannot become affordable and unusable." The National Passenger Federation recently expressed its position on the rise in insurance premiums. Nowadays, new energy vehicles are rapidly becoming the main travel tool for many consumers. According to the latest forecast by the China Association of Automobile Manufacturers, sales of new energy vehicles last year will exceed 3.4 million, a year-on-year increase of 1.5 times; sales of new energy vehicles in China are expected to reach 5 million this year, accounting for about 20% of total vehicle sales.
Gradually increasing ownership of new energy vehicles also brings a larger scale of insurance premiums. According to China Society of Automotive Engineers predicts that by 2030, the number of domestic new energy vehicles will reach 80 million; at the same time, the scale of related insurance premiums will be as high as 470 billion yuan. Under such circumstances, it is very important to allow new energy vehicle owners to enjoy real "premium benefits" and eliminate the disadvantages of premium costs compared with traditional fuel vehicles. Cui Dongshu, secretary-general of the
Passenger Association, said that after the introduction of exclusive insurance for new energy vehicles, some car owners’ insurance premiums are too high. Promotion of new energy vehicles. How to crack the puzzle? The industry also gave suggestions.
Underwriting data should be updated in time
Cui Dongshu pointed out that the insurance premiums for new energy vehicles are relatively high, which is also due to the lack of historical data accumulation. In particular, some old models have a relatively high probability of failure. Even after the safety technology of the models is improved, the phenomenon of "high safety and low failure" still exists. He suggested that the insurance industry should use updated data information and use shorter-term data extension analysis for new energy vehicles.
" withWith the accumulation of captive insurance products, the claims settlement of new energy vehicles will be iteratively upgraded rapidly, and the underwriting pricing will also achieve more refined management, which is expected to push the compensation rate of new energy vehicles back to a reasonable level. "Ms. Wang from Pacific Insurance said that before the launch of exclusive new energy auto insurance, new energy vehicles and traditional fuel vehicles lacked refined management rules for underwriting claims, and insurance data accumulation was not sufficient, leading to higher insurance premiums for some new energy vehicles in the short term. .
Encourage auto companies to "operate their own" insurance business
"Appropriately encourage auto companies to establish their own insurance products, expand their insurance business, and establish their own low-premium insurance systems backed by data. The National Travel Federation recently issued a document pointing out that while protecting consumers, the comprehensive reform of auto insurance also needs to follow the principle of "market decision, supervision guidance", give full play to the decisive role of the market in the allocation of auto insurance resources, and improve the formation mechanism of market-oriented terms and rates.
The reporter noticed that the current "self-operated" auto insurance of auto companies has relevant clues. Tesla, which has been "spiked" about high premiums, has long been prepared. It launched auto insurance business in California three years ago, and declared the premium price 30% cheaper than insurance companies. In August 2020, Tesla also registered insurance-related companies in China.
In addition, other domestic new energy car companies also have related intentions. BYD planned to launch "personalized pricing insurance" in 2018. service", in July of the same year, Xiaopeng Automobile established Xiaopeng Automobile Insurance Agency Co., Ltd. As the largest battery supplier, Ningde Times also bought shares of Xiaokang Life Insurance with holding 30% of the shares, and then followed with PICC P&C signed a strategic cooperation framework agreement. However, auto companies have to face countless difficulties in entering the auto insurance industry. To realize true "self-operation", they need encouragement and support from multiple parties.
Text/Photo Guangzhou Daily All-media reporter Deng Li (except signature)
