Why has the commercial insurance for the renewal of new energy vehicles been repeatedly rejected!
With the vigorous development of the new energy vehicle market, more and more car owners have encountered the dilemma of refusing insurance when renewing commercial insurance. What is the reason for this?This was investigated in depth.
Online car-hailing and discontinued models often encounter difficulties in renewing their warranties.
I have bought a car for more than two years, and I have been driving an online car-hailing car for a year, but when I renewed my insurance this year, the insurance company said that I could only buy compulsory traffic insurance and three-party liability insurance, and commercial insurance was no longer insured. "The story of Master Wang, a ride-hailing driver in Beijing, is not an isolated case. In addition to ride-hailing, it is more common for discontinued models to be denied insurance or experience significant price increases. It is difficult to renew the commercial insurance of new energy vehicles, which has become a worry for many new energy vehicle owners.
It is understood that due to the relatively longer operating time and mileage of online car-hailing, the wear and tear of the vehicle will naturally be more serious, and the probability of accidents will be higher, which will bring higher costs to insurance companies and even cause losses. Therefore, it is inevitable that insurance companies are reluctant to underwrite. Moreover, compared with fuel vehicles, the new energy vehicle insurance business of most insurance companies is currently difficult to say profitable. Different insurance companies will selectively underwrite commercial insurance for new energy vehicles.
In addition, for discontinued models, if the parts are also discontinued, the core technologies such as software adaptation and technology related to the vehicle will also be affected. In the event of an accident involving such a vehicle, the repair shop may encounter technical difficulties or incur higher costs during the maintenance process, and the insurance company will have no choice but to refuse insurance.
Insurance companies refuse to insure and tie in sales suffer from losses.
In the maintenance of new energy vehicles, insurance companies have a very low right to speak, and they cannot be confident in the maintenance of many new technologies, and can only repair in accordance with the highest requirements stipulated by car companies, which directly leads to high maintenance costs and even losses for insurance companies. Therefore, in the process of underwriting commercial insurance for new energy vehicles, some insurance companies will tie in other non-auto insurance businesses, requiring car owners to purchase more insurance in order to participate in commercial insurance for new energy vehicles. Although this approach is difficult for consumers to accept, it is a means for insurers to reduce losses.
New technologies need to be economical to maintain.
In recent years, new energy vehicles have been accelerating the application of new technologies, but some car companies pay more attention to the reduction of manufacturing costs and the fresh experience brought by new technologies when using new technologies, ignoring the consideration of vehicle maintenance economy, which directly leads to the high maintenance costs of these vehicles. In the event of an accident, it will bring high costs to the insurance company.
Take intelligent components such as high-precision radar and laser sensors as examples. At present, in order to increase the competitiveness and selling points of their products, car companies are willing to "try the first", use the latest intelligent components and technologies, and arrange them on the front and rear bumpers of vehicles. Once the vehicle is scratched or collided, even if it is very slight, it is very likely to cause damage to these high-cost parts, resulting in maintenance costs that are much higher than that of gasoline vehicles.
In addition, although the application of advanced technologies such as integrated die-casting technology has greatly reduced manufacturing costs and improved manufacturing efficiency, it has increased the difficulty and cost of maintenance. Most 4S shops currently do not have the ability to repair power batteries and integrated chassis, and once a serious accident occurs, the vehicle needs to be returned to the factory for repair or replacement of the entire battery pack and other expensive components.
Therefore, experts suggest that car companies should fully consider the use of the whole life cycle of vehicles when applying new technologies, and effectively reduce the maintenance burden of consumers. At the same time, the product design concept is optimized, taking into account the reliability and economy of the product, rather than blindly pursuing the use of advanced technology. Relevant departments should also strengthen supervision and guidance to ensure the healthy development of the new energy vehicle market.
The problem of difficulty in renewing commercial insurance for new energy vehicles requires the joint efforts of all parties to solve. Car companies should improve product quality and maintenance economy; Insurers should strengthen cooperation and communication with car companies to improve risk assessment and pricing capabilities. Consumers should also enhance their insurance awareness and risk awareness, and choose insurance products and services that are suitable for them.