Summary
[New energy vehicle exclusive insurance officially launched: Tesla Model Y premiums rose by 6,000 yuan overnight]After the new energy exclusive auto insurance went online, some car owners said that “the premium has risen.” Taking Tesla as an example, a Model 3 entry model with a car damage insurance of 235,900 yuan, the price difference between the use of new energy exclusive car insurance and ordinary commercial insurance is about 700 yuan, an increase of 11%; and the car damage insurance coverage For the Model Y high-performance version of 395,900 yuan, the premium rose from about 8,000 yuan to about 14,000 yuan, an increase of more than 70%.
According to news on December 28, the new energy vehicle exclusive insurance was officially launched yesterday. Unlike the previous motor vehicle insurance, the new energy vehicle insurance must be operated on the trading platform. today,Chinese People’s InsuranceProperty and Casualty Insurance and Ping An Property & Casualty successfully signed out new energy vehiclesinsuranceInsurance policy.
IT Home learned that the new energy exclusive auto insurance product released this time,insuranceResponsibilities are further amplified and more adapted to the characteristics of new energy vehicles, not only taking into account the spontaneous combustion risk of new energy vehicles, but also taking into account the “three powers” (ieBattery、MotorAnd electronic control). New energy vehicles and core “three powers” accidents (including spontaneous combustion) during driving, parking and charging can enjoy commercial insurance compensation.
It is worth mentioning that after the new energy exclusive car insurance went online, some car owners said that “the premium has risen.”byTeslaAs an example, a Model 3 entry model with a car damage insurance of 235,900 yuan, the price difference between the use of new energy exclusive car insurance and ordinary commercial insurance is about 700 yuan, an increase of 11%; and the car damage insurance amount is 395,900 yuan For the Model Y high-performance version of the model, the premium rose from about 8,000 yuan to about 14,000 yuan, an increase of more than 70%.
According to analysis by industry insiders, compared with traditional auto insurance, 80% of the benchmark premiums of new energy vehicle exclusive insurance policies remain the same or drop. For the “new insurance” premiums of new energy vehicles, especially new energy vehicles below 250,000, the premiums remain the same or decrease. Decrease; for new energy models with higher prices or customers with more accidents and traffic violation records, the renewal “premiums” are increasing; more importantly, you need to seeinsuranceThe company’s independent pricing coefficient.
(Article Source: IT House)
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