The reporter logged on a car purchase platform and learned that the total cost of a brand's new energy vehicle, which is about 280000 yuan, includes the bare car price, necessary expenses and commercial insurance. In addition to compulsory traffic insurance and other necessary expenses, commercial insurance also launched three package combinations of "the most economical", "cost performance" and "the most comprehensive", with prices of 7806 yuan, 8206 yuan and 8277 yuan respectively. Among them, the optional compensation limit of the third party liability insurance is between 50000 yuan and 5 million yuan. New energy charging pile

"From the product point of view, there is not much difference between the auto insurance sold by the auto enterprise insurance brokerage company and the auto insurance sold by the traditional insurance company. They are both selected according to personal needs, and the difference mainly lies in the price and follow-up services." An insurance salesman told reporters.

New energy vehicle enterprises enter the insurance industry to obtain resources and improve user stickiness Electric vehicle charging pile

Why have auto companies started to set up their own insurance brokerage companies? In this regard, a salesperson of a traditional insurance company told the reporter that this meant that auto companies could negotiate cooperation with insurance companies by acting as agents for the products of various insurance companies to do insurance for the vehicles produced by the auto company. Especially new energy vehicle enterprises, both sides have mutual benefits and win-win points, and can also cooperate to solve various claims problems arising from new energy vehicles.

Industry insiders believe that the reason why new energy vehicle enterprises enter the insurance industry is that vehicle insurance is an important part of the ecological construction of new energy vehicle enterprises. Auto enterprises can transform car owners into auto insurance users, rely on their own big data and other technical support, cooperate with insurance companies in product design and research and development, and take advantage of the offline channel advantages of insurance companies to improve user stickiness and tap the value of the after car market.

A person in the insurance industry told the reporter that the establishment of insurance brokerage companies for new energy vehicles to cooperate with insurance companies to provide car owner service packages including car insurance is actually to build better services for their customers, and is also conducive to expanding more car repair resources.

New energy vehicle insurance products of traditional insurance companies are "not popular"

During the visit, many salesmen from traditional insurance companies said that the current promotion of new energy vehicle insurance is not optimistic. Some insurance salesmen said that because of the high cost of promoting new energy vehicle insurance in some regions of China, the salesmen of traditional insurance companies are not enthusiastic about promoting it.

An insurance company salesperson analyzed and said that although the number of new energy vehicles keeps growing and the premium is also higher than that of fuel vehicles, most of the new energy vehicles on the market are less than 150000 yuan, most of which are used for online car hailing, and the loss ratio, accident rate, and maintenance costs are relatively high. The industry is facing greater underwriting loss pressure.

The entry of new energy vehicle enterprises into the insurance field may cause a "catfish effect", forcing traditional insurance enterprises to accelerate innovation. Ping An Securities analysis said that for new energy vehicle enterprises, in the highly concentrated auto insurance market, they need to form differentiated advantages in pricing, services and other aspects to get a share; For traditional insurance companies, with sufficient experience, channels and talent reserves, grasping the data and risk characteristics of new energy vehicles and achieving accurate pricing is an important part of both offensive and defensive. In addition, leading insurance companies have obvious scale effect, stronger channel and cost control ability and comparative advantages.

Some institutions predict that by 2025, the premium scale of China's new energy vehicle insurance will reach 154.3 billion yuan, and it is expected that by 2030, the premium scale will reach 1279 billion yuan. It is understood that at present, traditional insurance companies will evaluate the portraits of new energy vehicle owners, driving habits and other aspects through big data analysis, screen out high-quality customers, and establish a new energy project team to study the relevant orientation and ideas of the pure new energy vehicle industry.

In December last year, the China Insurance Association officially released the Exclusive Terms of Commercial Insurance for New Energy Vehicles of the China Insurance Association (for Trial Implementation), which expanded the scope of protection on the basis of traditional commercial automobile insurance terms; Clarified the scope of liability exemption; Fully considering the characteristics of battery attenuation, the depreciation rate of new energy vehicles is redefined; According to the characteristics of new energy vehicles, four exclusive additional insurances, including power grid and charging pile, have been customized. New energy vehicle maintenance

Data shows that in 2021, the insurance industry will achieve a cumulative original premium income of 4.49 trillion yuan, a slight decrease of 0.79% year on year. Among them, the property insurance business accumulated 1.17 trillion yuan of original insurance premium income, a year-on-year decrease of 2.16%.