Recently, China Automobile Industry Association released the latest car sales data for September this year, showing that car sales volume was 2.61 million, increased by 9.5% month-on-month, and increased by 25.7% year-on-year. Among them, in September, the sales of new energy vehicles reached 708,000 units, a year-on-year increase of 93.9% , and the market share reached 27.1% .
It can be seen that although new energy vehicles in the market do not account for the majority, their growth rate is very fast. This year's new energy vehicle sales have exceeded the total market sales in 2021.
New energy vehicle insurance is one of the most concerned issues for car owners.
"My premium has increased by more than a thousand"
After renewing insurance this year, some new energy vehicle owners said that their premiums have increased.
What is new energy vehicle insurance?
December 2021 China Insurance Industry Association released the "China Insurance Industry Association New Energy Vehicle Commercial Insurance Exclusive Terms (Trial)" (hereinafter referred to as the "Exclusive Terms"). The exclusive terms include the "China Insurance Industry Association New Energy Vehicle Commercial Insurance Demonstration Terms (Trial)" and the "China Insurance Industry Association New Energy Vehicle Driver and Passenger Accidental Injury Insurance Demonstration Terms (Trial)".
On December 27 of the same year, new energy vehicle exclusive insurance was officially launched.
Compared with traditional auto insurance, new energy vehicle insurance has several prominent characteristics:
1
2 35355 The coverage range is different The core of the new energy vehicle Battery, motor, electronic control and other "three electricity" are included in the main insurance . Oil vehicles rely on gasoline or diesel, while new energy vehicles rely on electricity, so insurance is different in the core. 2
New energy vehicles have some specific risks
In the "Exclusive Terms", the specific terms of new energy vehicle auto insurance include "3 main insurance + 13 additional insurances". The scenarios applicable to should be more diversified. For example, the third-party liability caused by the self-used charging pile or the self-used charging pile is the " third-party liability insurance " in the main insurance.
3
Innovation
New energy auto insurance has also made some innovations based on traditional auto insurance that has existed for many years before, making auto insurance more personalized and humanized.
Why did car owners report that the renewal of insurance has increased? Is new energy vehicle insurance really more expensive than fuel vehicle insurance?
In fact, most new energy vehicle insurances are indeed more expensive, but they are not absolute.
Generally speaking, Total premium for auto insurance = benchmark premium *no compensation preferential coefficient *traffic violation coefficient *self-pricing coefficient (0.65-1.35)
Among them, the "self-pricing coefficient" .
The reason why most new energy vehicle insurance is more expensive is that compared with fuel vehicles, new energy vehicles are in the primary stage. The product performance and product driving operations of each OEM factory are very different. The maintenance fee and risk rate of new energy vehicles are relatively high.
In short, the more risky the car, the higher the premium, the more expensive the car, the higher the premium . Basically, this pattern is maintained.
Some new energy vehicle owners have reported that their premiums have increased. is partly because the new energy vehicle they drive may be a high-priced model (more than 250,000), and the other part is because they have experienced a risk in the previous year, so the price has increased.
And some new energy vehicle owners not only did not increase but also decreased, but also had a lot to do with the price of the car and the failure to take risks.
How to buy new energy vehicle insurance
1. Compulsory traffic insurance is a forced payment auto insurance. In addition, the three main insurances and 13 types of additional insurances for new energy vehicles can be purchased. For example, if you don’t have a self-used charging pile at home, you can avoid buying a self-used charging pile loss insurance and liability insurance. Choose according to your actual situation.
2. You can consider whether to match commercial auto insurance. commercial auto insurance can make up for the unpaid part of the insurance. Whether new energy vehicles need to be matched with new energy vehicle commercial insurance must also be based on actual needs.
3. Make good use of policy benefits.
Vehicle purchase tax reduction and exemption
On May 31, 2022, the Ministry of Finance and the State Administration of Taxation issued an announcement on reducing the purchase tax of some passenger vehicles.
For passenger cars with 3 displacement of 2.0 liters and below , the vehicle purchase tax will be levied at half the price. Some vehicles can be directly exempted from purchase tax .
On September 26, the Ministry of Finance, the State Administration of Taxation, and the Ministry of Industry and Information Technology jointly issued the "Announcement on the Extension of Vehicle Purchase Tax Policy for New Energy Vehicles" stating that extends the period of new energy vehicle exemption from purchase tax to December 31, 2023 .
New energy vehicle subsidy
In order to promote new energy vehicles, the Ministry of Finance, the Ministry of Industry and Information Technology, the Ministry of Science and Technology, and the Development and Reform Commission recently jointly issued the "Notice on the Financial Subsidy Policy for the Promotion and Application of New Energy Vehicles in 2022", which clearly stated that the 2022 new energy vehicle subsidy standard will decline by 30% on the basis of 2021.
pure electric passenger cars are divided into two levels. first level is a subsidy of 9,100 yuan between the range of 300-400, and a subsidy of 12,600 yuan for more than 400 kilometers. plug-in hybrid will also subsidize 4,800 yuan in both operating conditions .
is currently up to December 31, 2022 .
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Source: Visa Cai Knows
