The electric dad can’t afford to be hurt! Renewal of new energy car insurance is difficult: no-accident premiums have also risen and the overall loss rate is high
Kuai Technology reported on March 15 that according to domestic media reports, electric vehicles are not popular in the insurance industry because they are too delicate.
Some consumers reported that the Xpeng G9 they purchased in 2023 encountered difficulties in renewing the insurance. He previously purchased new energy auto insurance from a leading property and casualty insurance company, but when the insurance was about to be renewed this year, the salesperson persuaded him to look at other insurance companies without giving a quote.
This consumer later completed insurance with another leading property and casualty insurance company, but without any accidents, the premium actually increased by more than 1,000 yuan compared with the previous year.
An industry insider said that new energy car insurance will look at the compensation situation of the entire vehicle model. Maintenance costs are high and the overall compensation rate is high. “In fact, everyone hopes that car owners will go to other insurance companies for coverage.”
In fact, this matter has happened more than once. Some insurance companies said that for insurance companies, the claim settlement cost of new energy vehicles will indeed be higher than that of original fuel vehicles. Moreover, the battery is also a new product. There is also a lack of standards for how to repair it and how to identify it. This is also a factor that leads to the relatively high cost of new energy vehicles.
In addition, many car owners drive non-operational new energy private cars, but illegally register them as online ride-hailing vehicles to engage in illegal operations. At the same time, they are required to insure according to the premium standards for private cars. In this case, the insurance company will also refuse coverage.
As the maintenance standards, three-electricity testing and damage assessment standards for new energy vehicles are gradually introduced, the premium standards for new energy vehicle insurance will become more and more standardized in the future.
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