Oil prices are soaring, and new energy vehicle sales are becoming more and more popular. Do you know who is the biggest beneficiary ?
You may feel that gas stations are hurt, because after all, everyone is switching to new energy vehicles, then it must be State Grid , which is the biggest beneficiary.
To tell you the truth, the one who actually benefits is insuring . Next, Brother Miao will analyze it for you, and you will know the reason.
New energy vehicle premiums are rising
First of all, it is clear that under the same conditions as electric vehicles and new energy vehicles, the premiums of many models are actually slightly higher than the premiums of gasoline vehicles..
Especially during this period, insurance companies are also calculating the cost of the reported spontaneous combustion of trams.
The spontaneous combustion of the tram and the cost of replacing the battery of the tram. The cost of insurance claims due to battery accidents is relatively high .
Therefore, in the end, all these costs will be shared equally among the owners of this series of cars.
Therefore, the insurance companies are unambiguous about the car damage insurance part, and they will increase the price when it is time to increase it.
You must buy car damage insurance
The second advantage for insurance companies is that when you buy car insurance, it looks like a gas truck, like Brother Meow's car. I haven't bought car damage insurance for many years.
You need to know that you buy car insurance, compulsory traffic insurance, third party liability insurance and car damage insurance. Car damage insurance is the largest component of , even more than compulsory traffic insurance and third party liability insurance combined.
And these expenses are the most profitable part of for many insurance companies.
For people like me, I have not bought car damage insurance for a long time. Every year when I buy insurance, the insurance sales lady will not push me for car damage insurance.
But when I bought insurance last time, I specifically asked about it.
He said that with current new energy vehicles, they don't need to do any work at all. Basically, people take the initiative to buy car damage insurance .
Their business is booming because all new energy vehicle owners know that my car battery is extremely valuable.
Especially among the hybrid cars currently on the market, many of them are converted from oil to electric . You can get down under the car and take a look.
Because it is the chassis of an oil truck, there is no place to put the battery. The battery is hung at the bottom of the chassis of the car.
Therefore, the bottom of the car will obviously be longer, the chassis will become lower, and the passability will become worse at this time.
Moreover, batteries are expensive. The manufacturer has told you about the 5-year warranty, 10-year warranty, or even lifetime warranty.
Sorry, if you damage yourself, will not be insured. If not, do you know how much it costs? The battery will account for more than half of the price of your car. Do you pay for
yourself? If you can't afford it, then you must buy insurance. If you don't buy insurance, if you get bumped into something, you'll be in pain.
From a very realistic point of view, there are basically very few owners of new energy vehicles who do not buy car damage insurance.
So the insurance company found that this business is much easier to do, especially when I asked the girl last time, she said I just hope that you are all owners of new energy vehicles.
In this case, our business will be easier to do, and we won’t need to brainwash you every time.
Summary
So you should understand now, new energy vehicles are selling better and better, and the ones that benefit the most are actually insurance companies .
And finally, Brother Miao also reminded everyone that if you are changing a car now and you are considering a new energy vehicle, then you must have psychological expectations.
Regarding the cost of your car, although you basically don’t need to care about the price of gas, it doesn’t matter to you if it rises to 100 yuan.
But one thing you must be concerned about is that when you buy insurance in the future, for example, for me now, the annual insurance premium is more than 1,000 yuan, a compulsory traffic insurance, plus a third party liability insurance, and that's it.
But once I switch to a new energy vehicle, to be honest, I don’t dare not buy the car damage insurance. With the car damage insurance included, it is estimated that for the level of my car, it will cost more than 4,000 yuan, so is better than yours. The previous cost was at least twice as high.
