Just a few days ago, the "Implementation Measures for Encouraging the Purchase and Use of New Energy Vehicles in Shanghai" was officially released. The "Implementation Measures" make it clear that in 2024, Shanghai will continue to provide free special license quota support for the purchase of new energy vehicles.
The use of new energy vehicles not only saves energy and reduces emissions, but also saves vehicle costs, which is worthy of encouragement and promotion. However, recently, a number of new energy vehicle owners have reported that they have encountered obstacles when purchasing car insurance.
These car owners have been driving new energy vehicles for four or five years, and they can still buy car insurance normally before, but for some reason, when the insurance was renewed recently, some were directly denied insurance, and some were required to increase the additional insurance, otherwise it is not necessary to talk. What's going on here?
Mr. Ye, the owner of the car, said that he bought a WM electric car four years ago and had been insured by Samsung Property Insurance until last year. However, when he planned to renew his insurance this year, he was rejected by Samsung Property Insurance for no reason. "It has been guaranteed for three years now, and in the fourth year, he said that he could not insure, but the reason why he could not insure, he couldn't explain clearly, so he told us that he couldn't insure. ”
When asked about the reason for the refusal of insurance, the customer service staff of Samsung Property Insurance Company said: "Because our company does not allow this model to be made, there are restrictions on underwriting." ”
Mr. Ye asked, "What are the restrictions?"The other party replied, "I just don't let you do it, you don't want to buy it."
The reporter called Samsung Property Insurance Service** to inquire about related matters, and the customer service staff said that the refusal of insurance was not for WM models, but for all new energy vehicle insurance business. "This year, there are indeed restrictions on this car, not for Weimar, not for any brand, but for all new energy sources, (because) the loss is too serious, so now there are restrictions in this regard. The customer service agent said.
The reporter called the service of Pacific Insurance** again, and was also told that because the model was controlled, it could not be insured.
Coincidentally, Mr. Luo, the owner of the car, also reported that he bought a Chery pure electric car five years ago, and he had been insured by life car insurance before, but this year the other party said that "if you don't buy seat insurance, you can't insure it".
Mr. Luo said: "The reply to me is that because my new energy vehicle has been five years old, the car loss ratio is not proportional, so I can't buy it. Then I must renew the insurance, I must add additional insurance, seat insurance or other insurance, my insurance of more than 3,000 yuan has been mentioned to more than 4,000 yuan, (the other party) also said that even if you buy seat insurance, I have to call the leader to apply for approval. ”
Mr. Luo also said that his car had only been insured twice in the past five years, so he did not accept raising the threshold on the grounds that the loss ratio was too high. "Two insurance payouts, the total amount is about 1,200 yuan. I asked a few insurance companies, and he told me that insurance companies are prohibited from renewing their insurance policies for five years because of their heavy losses (new energy vehicles). ”
Car owners who have bought car insurance know that the car insurance premium is linked to the amount of the car's insurance payout in the previous year. Like Mr. Luo, who has only been out of insurance twice in five years and has paid a total of about 1,200 yuan, this year's car insurance renewal was required to buy additional insurance, and the price increased by more than 1,000 yuan for no reason, which does not sound reasonable.
But insurance companies are not charities and do not lose money. The customer service of many insurance companies also made it clear that the new energy vehicle insurance business suffered serious losses, so they would increase the price in disguise or directly refuse to insure.
So, why does new energy vehicle insurance lose money?Why is it that a fuel car that has been driven for four or five years or even seven or eight years can be insured, but it is so difficult to buy a car insurance for a new energy vehicle of the same age?
The reporter contacted Mr. Ye's previous insurance of Samsung property insurance. The person in charge said that the maintenance cost of new energy vehicles is high and it is difficult to assess damage, so compared with traditional fuel vehicles, the insurance claim cost of new energy vehicles will be higher.
Mao Weifeng, head of consumer rights protection at Samsung Property & Casualty Insurance, said: "For insurance companies, the claim cost of new energy vehicles will indeed be a little higher than that of original fuel vehicles. Moreover, the battery is also a new product, how to repair it, how to identify it, there is also a lack of a standard, which is also a factor that leads to the high cost of new energy vehicles. ”
The person in charge's statement was also confirmed by the reporter at Ping An Insurance's ** customer service office. Ping An Auto Insurance** customer service said: "In the event of a collision of fuel vehicles, the individual parts should be as much as they should be;New energy friction often breaks not only one part, but the whole thing, so the amount will be higher. The new energy vehicle insurance sector is not profitable, all of them lose money, and if they can, they won't do it. ”
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 illegally register as online car-hailing to engage in illegal operations, and at the same time, they have to insure according to the premium standard of private cars. In this case, the insurance company will also refuse to cover the insurance.
The customer service of Samsung Property Insurance Company said: "There are many losses in the new energy market, and many of them are also due to online car-hailing, resulting in a loss ratio that is more linear than that of fuel vehicles." Because the difference between commercial and non-commercial cars is nearly three times the premium, and we can't tell whether he is running online car-hailing or not. Samsung P&C Insurance's customer service also said that it was impossible to identify whether it was illegally insured.
But strangely, some other large-scale insurance companies, customer service staff said that the background is connected to the online car-hailing information.
PICC Auto Insurance** customer service said: "If you have registered for online car-hailing, the system will show that you can't be insured if you have registered and not run." ”
Ping An Auto Insurance** customer service said: "The reason why you can't insure is that you have registered for online car-hailing or hitchhiking. The traffic management platform is connected, and all insurance companies use a unified platform, which can monitor whether you are a ride-hailing or ride-hailing. ”
In this regard, legal circles pointed out that the "Measures for the Administration of Insurance Sales Behavior" issued in September this year will be officially implemented on March 1 next year, and Article 15 of it stipulates that insurance companies shall establish a hierarchical management system for insurance products.
Yang Zouhua, the chief lawyer of Shanghai Shendao Law Firm, said that for operation and non-operation, customers are first required to admit that once the vehicle is used for operation, the premium will rise, and if the non-business vehicle is used for business purposes, it violates the terms of the insurance contract, and the insurance company has the right to refuse to claim 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. "We believe that the entire industry will slowly enrich the ability of this area of investigation. Mao Weifeng said.
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