For many car owners, the premium system of new energy vehicles is independent, and even the rising cost is a good thing.

Independent vehicle insurance means that the new energy vehicle insurance system is more perfect, and there is a new evaluation system for loss assessment. The insurance and maintenance of new energy vehicles will go out of the early "barbaric era" as soon as possible. New energy vehicle charging pile

Zhang Honggang, 31, has just started Tesla for a year. She said many times, "As long as you drive Tesla, you can't accept other cars". The computer screen controls the intelligent experience of the whole car, the smooth driving feeling of the car, the large and wide sunroof... Such a comfortable driving experience, the monthly charging fee is only a few dozen yuan, which makes her feel that she has bought the tram correctly.

It was not until she needed to repair the car that she found that the maintenance of new energy vehicles was much more complicated. First, she needs to find the nearest 4S store. If there is no store nearby, she has to go to other cities to repair it.

"If the oil car breaks down, if it's a small problem, you can bypass the 4S store and find a repair shop to repair the car, but the new energy car is not." Tesla itself has a high accident rate, and the maintenance fees are also expensive. It is also completely monopolized by the 4S store. If you encounter an unreliable 4S store, you will be more tearful.

New energy vehicles are different from oil vehicles in terms of damaged parts, and their insurance loss assessment, maintenance methods and costs are also very different. Electric vehicle charging pile

In terms of power core, new energy vehicles are "three electrics" (battery, motor and electronic control system), while oil vehicles are engines and gearboxes, basically belonging to two completely different maintenance systems. In terms of appearance and configuration, new energy vehicles are also more "laborious" than traditional fuel vehicles. For example, the integrated aluminum body of Tesla needs to be replaced as soon as one part of its integrated body is damaged.

The previous new energy vehicle insurance basically followed the rates and terms of oil vehicles, without specific guarantee terms for batteries, motors and electronic controls of new energy vehicles. The driving habits of new energy owners will also affect the compensation ratio. "It's still very scary, the premium is not cheap, and the scope is still small."

In the face of such an unclear premium system, not only the car owners have many opinions, but also the insurance companies feel they are wronged. Shenwan Hongyuan's research report pointed out that due to the higher risk rate of new energy vehicles and frequent technological innovation, insurance companies are actually in a passive position in pricing.

The maintenance of new energy vehicles basically requires original spare parts, which is expensive. In addition, because many car owners are not proficient in driving skills, the accident rate is high. If all the claims are paid according to the premium standard of fuel vehicles, it is obvious that the compensation price is too high, which makes the insurance company unbearable and even makes a loss.

So many insurance companies also played a "new strategy". For example, if an owner has a claim record in the previous year, the premium in the next year will be increased to varying degrees. Try to transfer the risk of the new energy vehicle insurance being independent and the maintenance price being high to the owner. This practice of "looking at people and making dishes" is described by car owners as "the floor price without risk, the noble price without risk". New energy vehicle maintenance

Since the introduction of independent insurance, many such problems have been solved. Not only has the scope of vehicle insurance expanded, but also the security projects for new energy vehicles have increased, and many insurance types have been set for new energy vehicles. There will be clearly applicable insurance items in the future for such thorny issues as charging fire liability, which will be a standard and progress for both car owners and insurance companies.