Shanghai recently introduced a new policy to encourage the purchase and use of new energy vehicles. According to this policy, by 2024, Shanghai will continue to provide free special license plate quota support to car owners who purchase new energy vehicles. This policy aims to promote energy conservation and emission reduction, and save vehicle costs, so it has received widespread attention and support. However, some new energy vehicle owners have recently encountered difficulties in purchasing car insurance. A car owner named Mr. Ye said that after buying a WM electric vehicle for four years, he was denied insurance by Samsung Property Insurance when he wanted to renew it this year. When he asked about the reasons for the refusal, he failed to give a clear explanation. The same situation happened to other new energy vehicle owners, such as Mr. Luo, who five years after buying a Chery pure electric car, also encountered the problem of life insurance requiring the addition of a large amount of additional insurance to renew the policy. The reporter consulted the insurance company through **, but got a similar reply.
Samsung P&C's customer service staff said they had restrictions on all new energy vehicle insurance businesses this year because the losses were too severe. Pacific Insurance also said that it could not be insured because the model was controlled. The experience of these car owners has aroused people's attention, and it also makes people wonder why they face such difficulties in buying new energy vehiclesDoes this mean that the new energy vehicle market is facing some problems that need to be paid attention to and solved?Driven by the new policy, the new energy vehicle market should be booming, but the reality is confusing. What is the reason for this?Before exploring the answer, let's first understand the current situation and development trend of the new energy vehicle market. Recently, a piece of news about the field of car insurance has sparked heated discussions. Mr. Luo, the owner of the car who has only been out of insurance twice in the past five years and has paid a total of about 1,200 yuan, was asked to buy additional insurance when he renewed his insurance this year, and the price increased by more than 1,000 yuan for no reason.
This may seem unreasonable, but insurance companies are not charities, and their business philosophy must be profit-oriented. So, why is the new energy vehicle insurance business suffering serious losses?Why is it that a fuel vehicle that has been driven for four or five years or even seven or eight years can be insured, but it is so difficult to have a new energy vehicle of the same age?First of all, for insurance companies, the claim cost of new energy vehicles will indeed be a little higher than that of the original fuel vehicles. Because the battery is a new product, its repair and identification standards are not clear, resulting in high maintenance costs for new energy vehicles. Mao Weifeng said: "The cost of new energy vehicles will indeed be relatively high. In addition to the high cost of claims, the reporter also found in the investigation that many car owners drive non-operating new energy private cars, but they are illegally registered as online car-hailing to engage in illegal operations, and at the same time, they have to be insured according to the premium standard of private cars. In this case, the insurance company will also refuse to cover the insurance.
At the same time, according to the Measures for the Administration of Insurance Sales Behavior, insurance companies should establish a hierarchical management system for insurance products. Yang Zou Hua said that once the vehicle is used for operation, the premium will be increased, and if the non-commercial vehicle is used for business purposes, it violates the terms of the insurance contract, and the insurance company has the right to refuse to pay the relevant premium. With the successive introduction of maintenance standards, three-electric testing and damage assessment standards for new energy vehicles, the premium standards of new energy vehicle insurance will become more and more standardized in the future. In such a situation, it is recommended for car owners to choose car insurance reasonably according to their own circumstances to avoid unnecessary losses caused by violations. At the same time, it is also very important to understand the relevant policies and regulations, and only by complying with the relevant regulations can we protect our own rights and interests. New trends in the entertainment industry: the ability to investigate is gradually enrichedWith the continuous development of technology, the entertainment industry is also ushering in new changes. Mao Weifeng said that he believes that the entire industry will gradually enrich its investigation capabilities.
This belief also reflects the entertainment industry's pursuit of higher quality and safer environments. Over time, we can expect to see more industry leaders take substantial steps to bring about positive change across the industry.