Chatting and chatting, talking about air, blowing cars, blowing people, blowing shells
"Blowing the shell" is a popular phrase in Sichuan and its surroundings, which refers to many people talking about the big and small things around them.
China's auto market's most unserious live broadcast program No. 0029
Time: December 25 Venue: Chengdu.
Shell Guest: Horse-drawn Che City - Ma Liming Spicy Car Affair - Duan Xu Yundui Automobile - Zhang Guohong
A friend bought BYD Tang at the end of last year, and wanted to find an insurance company with cheaper premiums this year, but he didn't expect the other party to say that not only could not insure the car, but they didn't even sell the insurance of the green car. In fact, there are not a few similar situations, many electric vehicle owners have faced the problem of renewing insurance, who is to blame, who is to blame?Are insurance companies dragging the industry back?In this issue, Blowing Shell starts a chat about this——
In the past, when everyone paid attention to electric vehicles, they were most concerned about the mileage, and they always felt that they were anxious about the range, and they were worried that the battery would suddenly run outIn summer, when the temperature is high, I am worried about spontaneous combustion, afraid of collision** and so on. Now it seems that there is a more noteworthy practical problem - the difficulty of renewing the warranty of electric vehicles.
In the past few years, the issue of renewal has not been so obvious, but with the rapid development of China's electric vehicle market, the first batch of electric vehicles, whether from repair, maintenance or second-hand car trading, has reached a point in time. From the perspective of insurance companies, they are reluctant to insure new energy, especially pure electric vehicles, because if they don't do it, they will lose moneyTherefore, some small insurance companies simply refuse to insure, and customers do not sell no matter how much money they give;As the owner of an electric car, I also feel wronged - the premium is getting higher and higher, but I didn't expect it to be difficult to spend money on car insurance now, and I don't dare to drive if I can't get insurance, what if there is an accident? !
This is completely different from the era of fuel vehicles!
Reason·1 The maintenance cost of electric vehicles is too high, and the insurance company loses a lot
There may be some insurance companies that have not made it clear why they do not renew the insurance, which makes car owners feel a little unclear and even discriminated against, but in fact, one thing is very clear - insurance companies are also doing business, and there must be a difference between the premiums received and the expenses paid
Let's analyze the possible reasons behind it - first, after all, electric vehicles have only developed rapidly in recent years, and the development time is still too short compared with fuel vehicles.
Second, new energy vehicles are indeed iterating too fast, and the cost of software and hardware is constantly changing, for example, a car of 200,000 yuan sells insurance for 8,000 yuan, and the insurance company later found that the maintenance compensation for a slight collision may add up to 80,000 yuan. In the past, the fuel car was broken and repaired, but now it may be replaced after the collision, and the cost will naturally increase sharply!
It's all over the place!
Insurance companies should protect the development of electric vehicles, and we should also protect the rights and interests of our consumers. But don't forget that insurance is also a business, and when it loses money every day, every year, or every car, it's not a good business!
Reason·2 Incomplete procedures Individual private cars have become "fish that have slipped through the net" by switching to online car-hailing
In addition to the cost of repairs, there is another reason that cannot be ignored - some electric car owners are actually running online ride-hailing. Although the nature of the use of the vehicle has been changed according to the regulations, it is necessary to go through the procedures and purchase operation insurance, but some platforms may have operations such as lax review, which makes some private cars become "fish that slip through the net", which in turn affects the handling of insurance. In the summer of this year, individual insurance companies in some cities have begun to implement total insurance control, so the difficulty of renewing insurance is not only unfriendly to electric vehicles, but also unfriendly to electric vehicles operating vehicles.
According to the shell, the criteria for insurance companies to judge the transfer of private cars to online car-hailing are roughly these two - the first is to look at the number of times the vehicle is charged at the public charging pile, and if the charging is too frequent, it may be judged to be running online car-hailing;Second, if the mileage per unit time is too high, it may be judged.
Reason 3 Electric vehicles are developing rapidly, and the data needs to be transparent
Traditional fuel vehicles have gone through a long period of development, the industry regulations are very clear, and the basic data is also very detailed, while the data of electric vehicles are all in the manufacturer, and insurance companies may not know or grasp them completely. In fact, it is difficult to buy insurance for new energy vehicles, especially pure electric vehicles, from the beginning, but this year it seems that there is a feeling that the trend of refusal to buy insurance is rising.
Of course, large insurance companies must assume social responsibility, after all, electric vehicles are the general development direction, but also a strategic issue. It is impossible to drag down the development of the industry because the insurance company does not underwrite, which is impossible, and this is also the responsibility of the insurance industry!
Of course, it is the car owners who are sad - they are afraid of heat in summer and cold in winter, and I didn't expect to spend money on insurance now!
It is recommended that big data eliminate inferior models
Let's make a simple **, if many small insurance companies do not sell electric car insurance only large companies to do, the premium ** may be inevitable, of course, there is a process of raising prices, which is a very difficult thing.
1. Let big data eliminate inferior models, and you can't lose big because of small things.
As a consumer, we definitely don't want to increase prices, and the industry doesn't want electric vehicles to restrict the entire development because of insurance problems - whether large, powerful insurance companies can publish those brand models with high accident rates and loss costs, make a ranking, guide everyone to buy and push back to the entire industrial chain, and finally eliminate inferior new energy manufacturers, and solve the problem from the source. Of course, this is difficult, and it may not be realistic to implement.
If you take a closer look, you will find that some electric vehicles are made of bad cars, the quality is not up to par, and even some electric car owners have run awayBut in this way, those excellent electric car owners are also affected, which is not right, and the bad money should not drive out the good money, and the high-quality models should not be affected!
2. Pay attention to the "zero integer ratio" when buying a car
We have been calling on everyone to consume rationally, although it is a little difficult, but it is recommended that you can also pay attention to the zero integer ratio when buying a car.
Note: The zero-integer ratio is the ratio of a certain product accessories to the overall sales**. The zero-integer ratio of the car refers to the ratio of the sum of the parts of the specific model ** and the sales of the whole vehicle**, if you buy a product with a higher zero-integer ratio coefficient, it means that you may need to pay relatively higher maintenance costs in the subsequent use process. 】
It is recommended that you look at the battery before buying a car, if the car sells 200,000 batteries to account for 150,000, then you definitely can't buy it;If the car company has only been established for a year or two, the scale is not large, and the sales volume is not high, then the risk of choosing it may be a bit high!
Seeing this, do you want to say that it is too difficult to be a car owner, especially as a Chinese electric car owner!To pay attention to the basic data of the vehicle itself, to look at the listed financial statements, but also to study what "zero integer ratio" ......
Life is full of problems!
In the future, save gas money and increase insurance
The renewal of insurance may intensify and even have a chain reaction in the future, which may have some impact on some prospective car owners who are swinging between oil and electricity, and car owners who are denied insurance. Of course, we must not block the development of electric vehicles because of insurance, we believe that the difficulty of insurance is temporary, this is the pain of the development of the industry, just hope that the loss of car owners as little as possible!
At present, the problems faced by the insurance link are not solved in a short period of time, and the premium** may also be driven by the general trend, coupled with the imminent implementation of the new purchase tax, the pressure in many aspects is relatively large. It's hard to save a year's worth of fuel money after everyone changes cars, and they will be sucked away by the premium!
In addition, it is a huge blow to many "slag" new energy brands, because consumers will be more cautious when buying cars, and they will definitely consider the cost of using cars in the later stage after trying it, and will choose trustworthy brands more rationally, and the sales of many marginal brands will be lower and lower!Of course, this kind of brand may have been playing with the concept at the beginning, and it should be "accelerated to perish", so that truly excellent car companies and brands can come to everyone, such survival of the fittest is a good thing, and the sooner it comes, the better!
We hope that people of insight in the industry, "Mr. Key" in the key links of the industrial chain, and authoritative institutions with the right to speak can stand up to cool down the pulse of electric vehicles, so that more people can wake up and let the entire industry embark on the fast track of benign development!