Kuaidi Technology reported on May 22 that after many new energy car owners bought a car, they found that the insurance premium of the vehicle was significantly higher than that of fuel vehicles of the same class.
The premium for new energy vehicles was high, which has been complained about by many car owners.
Recently, Cui Dongshu, secretary-general of the Passenger Transport Association, issued a document saying that the current new energy auto insurance project seems to be losing money.
This is an objective fact, but the reasons are complex and require joint improvement in the manufacturer’s product design level and premium calculation at the consumption and use level.
Cui Dongshu further introduced that the driving experience of electric vehicles is very different from that of fuel vehicles.
There are often problems with new car users starting too hard, while old drivers of electric vehicles basically do not have such driving operation problems.
In addition, the proportion of electric vehicles in online ride-hailing is increasing year by year.
However, when a private car is registered as an online ride-hailing car, the registered nature of the vehicle is still a non-operating vehicle.
only when the use nature of the vehicle is changed from non-operating to operating will it become an operating vehicle.
At present, the range of independent pricing coefficients for new energy commercial auto insurance is 0.
65 to 1.
35, which is far from covering the high-risk online booking and fleet vehicles in private vehicles, and the mileage difference between dozens of times that of ordinary vehicles.
It is recommended that insurance companies implement big data optimization premium calculations, not let new energy vehicle premiums eat the same pot, not let ordinary new energy vehicle owners take the blame for high-maintenance customers, and establish a reasonable new energy vehicle insurance premium calculation model.
Electric vehicle insurance should make full use of the data advantages of new energy vehicles, accurately calculate the driving characteristics of certain types of customers and vehicles, summarize them into several types of typical customers, and reasonably reduce the premiums of ordinary old drivers.
Corresponding policy subsidies should be given to users with excessive mileage, and preferential premium policies should be implemented for standardized operating vehicles, so that users can use insurance for new energy vehicles with peace of mind.
,[End of this article] If you want to reprint, please be sure to indicate the source: Kuaidi Technology, Editor in charge: Ruofeng, return to the home page of First Electric Network>,.
