There has been no accident for a year, and new energy vehicle premiums have risen instead of falling.

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“Without an accident in a year, the premium is more expensive than last year.” With the rapid increase in the penetration rate of new energy vehicles, the phenomenon of rising prices of new energy vehicle insurance has attracted attention. Some car owners complained, “Although the price of new energy vehicles has dropped, they have been cut off by insurance.” At the same time, insurance companies are also complaining about the high loss rate of new energy vehicles…

　　If there is no danger, the insurance premium will rise instead of falling.

Ms. Bai, who lives in Beijing, told reporters that she has been buying new energy vehicles for five or six years, but recently she encountered the problem of “rising instead of falling” in her car insurance. “With zero accidents, the premium for fuel vehicles used to decrease year by year, but this year’s premium is more than a thousand yuan more expensive than last year.”

Some car owners also reported that the premiums of different insurance companies vary greatly. The increase of more than 1,000 yuan is not the highest. “There are also increases of several thousand, and some quotes have doubled compared to last year.” There are even insurance companies that refuse to sell insurance. , the reason given is that the risk is too high.

The reporter learned from a number of insurance company business personnel that for some new energy models, premiums have indeed increased this year. At the same time, insurance companies have stopped insuring some models that have been discontinued due to operating problems of car companies because parts and after-sales services are unsustainable.

“Generally speaking, insurance company rates are calculated based on the loss rate of the previous year.” Zhang Xiang, researcher at the Automotive Industry Innovation Research Center of North China University of Technology and director of Vodafor Digital Automotive International Cooperation Research Center, told reporters that for new energy For products such as car insurance, insurance companies must make profits. If they paid too much compensation last year, the premiums will be higher next year.

　　Car owners complain that it is expensive, while insurance companies complain that they are losing money.

While car owners complain that new energy vehicle insurance is expensive and difficult to obtain insurance, insurance companies are also complaining…

Shenwan Hongyuan’s research report shows that the average loss rate of new energy auto insurance is close to 85%. The new energy auto insurance business of most insurance companies is on the edge of the profit and loss line, and the pressure for losses is high. Taking car damage insurance as an example, the accident rate of family cars, which accounts for the highest proportion of new energy vehicles, is as high as 30%, which is significantly higher than the 19% data for fuel vehicles.

Why does the above phenomenon occur? Zhang Xiang said that new energy vehicles generally have intelligent and autonomous driving functions, and the systems are relatively complex. Once out of control, the losses will be greater. At the same time, because the driving characteristics of new energy vehicles are different from those of fuel vehicles and they accelerate faster, many drivers are not adaptable to the single-pedal mode, and traffic accidents may be more likely to occur while driving.

These problems also make new energy vehicle insurance much more expensive than fuel vehicles. According to the “New Energy Vehicle Insurance Market Analysis Report” released by China Banking and Insurance Corporation, the average premium for new energy vehicles is actually about 21% higher than that of fuel vehicles.

According to Liu Xiaogui, deputy director of the Financial Technology Department of the Cloud Computing and Big Data Institute of the China Academy of Information and Communications Technology, as the new energy vehicle market matures, the research and development of new energy vehicle insurance products has gradually deepened, but product innovation capabilities still need to be improved and are facing challenges. Problems include difficulty in pricing premiums and high maintenance costs.

“Specifically, the risks of new energy vehicles of different models, different brands, and different uses are different, and relevant data and experience are limited, making premium pricing more difficult. At the same time, because new energy vehicles have relatively many intelligent applications, some A minor accident is likely to damage the sensor, and the vibration of objects in the car can easily smash the display screen in the car, causing high property losses.” Liu Xiaogui said.

　　How to resolve “expensive” and “difficult”

With the rapid development of the new energy automobile industry, the auto insurance supporting it is also undergoing changes. Many industry experts believe that all parties, including car companies, insurance companies and industry regulators, should form a joint force and jointly innovate through scientific and technological means to contribute to solving the problem of “expensive” and “difficult” in new energy car insurance.

Zhang Xiang believes that new energy vehicle insurance must first be reformed to reduce the rates for car owners who are not insured; at the same time, the intelligent characteristics of new energy vehicles should be used to analyze the driving habits of car owners through scientific and technological means including GPS and Beidou positioning. Guide car owners to improve their driving behavior, obey traffic rules, and reduce the possibility of traffic accidents.

In Liu Xiaogui’s view, the new energy vehicle industry has special characteristics. Insurance companies should conduct in-depth research on the risk characteristics of new energy vehicles, use big data and artificial intelligence technology to establish a complete risk assessment system, and evaluate the accident rate and compensation of new energy vehicles. Accurately analyze and predict rates, etc., to provide a basis for the formulation of insurance rates.

Vice Minister of Commerce Sheng Qiuping also recently stated that the Ministry of Commerce will also study and promote the optimization of new energy vehicle insurance rates, promote the improvement of socialized maintenance service capabilities of new energy vehicles, and strive to solve the worries of people buying cars.

“The government can introduce preferential policies for new energy auto insurance, such as premium reductions and exemptions, increased compensation, etc., to encourage consumers to purchase new energy auto insurance.” Liu Xiaogui suggested that all parties should work together to effectively accelerate the innovative application of new energy auto insurance.

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