In the end| many new energy car owners have a fierce discussion about "car insurance premiums have risen", what is going on

New energy car insurance premiums have risen?

After the exclusive insurance product of new energy vehicles was launched on December 27, many new energy car owners have reported that "car insurance premiums have risen".

Some Tesla owners said that the fuel money saved has changed into premiums. There are also Tesla car owners in the owner group said that the first two days of car insurance renewal premium quotation is 4700 yuan, now the quotation is 5500 yuan.

On December 28, a Tesla Model3 owner in Shanghai told the surging news that he had previously renewed his insurance in advance, and the premium had dropped from more than 6,000 yuan in the first year, plus the cashback was equivalent to a premium of more than 4,000 yuan. However, he also heard that the exclusive insurance of new energy vehicles has a great impact on Tesla with a car price of more than 300,000 yuan.

A Owner of Xiaopeng Automobile in Shenzhen told The Paper that she bought a new car in June this year, with a first-year premium of more than 7,000 yuan. The car friend group is also talking about the exclusive insurance of new energy vehicles these two days, looking at the insurance price issued by the group, divided into different models, the premium will rise by 16%-37%.

However, some property insurance companies told the surging news bluntly that the premiums of new energy vehicle exclusive insurance products have risen and fallen, and this time a unified insurance platform has been launched, using direct sales, but also in order to compress intermediate costs and promote the development of the new energy automobile industry. The loss rate of new energy vehicles has always been high, and after the exclusive product is launched, the relevant coefficients vary depending on the region, model, insurance situation, etc., and it is impossible for insurance companies to increase their own price sales.

The surging news noted that the quotations of some new energy vehicle exclusive insurance products currently circulating on the Internet show that for the same model, the insurance prices given by each head insurance company such as car damage insurance, three liability insurance, and compulsory traffic insurance are basically the same, and the differences are mostly concentrated in the additional insurance part.

The above-mentioned property insurance company pointed out that as far as its branches are located, there are individual brands of new energy vehicles with a high frequency of insurance, and the amount of compensation is also quite large. Some drivers with poor driving habits will inevitably increase their car insurance premiums. There are also some models that are widely used as ride-hailing vehicles, and the payout rate is far beyond the average new energy vehicle.

For the underwriting of new energy vehicle captive insurance, insurance companies are secretive and unwilling to talk about the relevant situation. A person familiar with the matter said that it is not allowed to respond to relevant questions when it receives relevant requests.

On December 14, the China Insurance Industry Association issued the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)", in addition to the traditional traffic accident risks, the risk factors such as power battery fire and major accidents caused by deflagration of new energy vehicles are included in the protection.

Subsequently, on December 27, the Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform on the same day, and the first batch of new energy vehicle exclusive insurance products of 12 property insurance companies such as PICC Property & Casualty, Ping An Property & Casualty, and CPIC Property & Casualty insurance provided support for the landing of new energy vehicle exclusive insurance products, and is expected to cover more than 90% of the market share.

According to the data previously released by the Banking and Insurance Regulatory Commission, since the implementation of the comprehensive reform of automobile insurance in September last year, the phased goal of "price reduction, insurance increase and quality improvement" has been basically completed, and the automobile insurance market has shown a new situation of "double reduction" in premium prices and handling fee rates, insurance liability limits, and commercial automobile insurance insurance rates.

New energy vehicles are also an indispensable player in the auto insurance market. Overall, since the exclusive clause of new energy vehicle insurance has just been released, the new energy vehicle insurance trading platform has only been online for two days, and the follow-up insurance and compensation situation remains to be seen.