Recently, the "Implementation Measures for Encouraging the Purchase and Use of New Energy Vehicles in Shanghai" was officially announced, making it clear that by 2024, Shanghai will continue to provide support for the purchase of new energy vehicles with free special license plates. Although new energy vehicles have been promoted due to their environmental protection and cost-saving characteristics, some new energy vehicle owners have recently encountered difficulties when purchasing car insurance.
A number of car owners with many years of experience in driving new energy vehicles reported that they were refused to underwrite by insurance companies or asked to add high additional insurance when renewing their insurance. For example, Mr. Ye, the owner of the car, purchased a WM pure electric vehicle four years ago and applied for it with Samsung Property Insurance for three consecutive years, but was denied insurance for no reason when he renewed the policy this year. The customer service staff of Samsung P&C Insurance explained that due to the company's internal restrictions on the model, it could not continue to underwrite.
The reporter's further investigation found that not only WM models, but also other new energy models are also facing the same problem. A number of insurance companies, such as Samsung Property Insurance and Pacific Insurance, have said that due to the heavy losses in the new energy vehicle insurance business, they have taken measures to limit or disguise price increases.
Why does new energy vehicle insurance lose money?According to the customer service staff of Samsung Property Insurance and Ping An Insurance, the main reason is that the maintenance cost of new energy vehicles is high and the difficulty of damage assessment, resulting in higher claim costs than traditional fuel vehicles. In addition, some non-operating new energy private cars illegally registered as online ride-hailing to engage in illegal operations, while still being insured according to the standard of private car premiums, which also exacerbated the pressure on insurance companies to pay compensation.
However, it is also a challenge for insurance companies to accurately identify whether a vehicle is illegally involved in ride-hailing operations. Some large insurers claim that their backend is connected to ride-hailing information and can monitor whether a vehicle is registered as a ride-hailing or ride-hailing, but this is still a problem for others.
In view of this situation, people in the legal circles pointed out that the "Measures for the Administration of Insurance Sales Behavior," which will be implemented on March 1 next year, stipulates that insurance companies should establish a hierarchical management system for insurance products. If the owner of the vehicle uses the non-commercial vehicle for business purposes, the insurance company has the right to refuse to pay the relevant premiums.
With the gradual improvement of new energy vehicle maintenance standards, three-electric testing and damage assessment standards, the premium standards of new energy vehicle insurance will also be more standardized in the future. Industry experts expect that the entire industry will improve its investigation and management capabilities to adapt to the development of the new energy vehicle market.
In this context, we look forward to the joint efforts of all parties to solve the problems existing in the insurance of new energy vehicles, protect the rights and interests of car owners, and promote the healthy and orderly development of the new energy vehicle industry. What do readers think about this?Welcome to share and discuss in the comment area.