Compared with traditional cars, which cost is higher for new energy vehicles?

In 20021year, China Insurance Association issued the notice of "Exclusive Terms of Commercial Insurance for New Energy Vehicles of China Insurance Association (Trial)". New energy exclusive insurance was born, which is more suitable for the characteristics of new energy vehicles. Not only the risk of spontaneous combustion of new energy vehicles is considered, but also the risk of damage to batteries, motors and electronic controls is considered. But it has brought a very real problem, that is, the premium has increased by at least 30%. For example, the premium for the new Model Y car last year was 4,500 yuan. In the case of no accident, the same insurance company, the same insurance place, the same person, the quotation for the second year is 7800 yuan, and there is an upward trend. So what are the factors that affect the use cost of new energy vehicles?

new energy vehicle

Provisions on insurance premium calculation

At present, the premiums of new energy vehicles are basically calculated according to the prices before state subsidies. For example, Model 3, which sold for 300,000 to 400,000 in previous years, can be bought for only 200,000 after other preferential policies such as state subsidies. However, when insurance companies apply for insurance, they do not calculate the premium according to the price after state subsidies, but according to the price before subsidies.

new energy vehicle

Maintenance difficulty of core components

In the event of a traffic accident in a new energy vehicle, it is difficult to maintain the core components of new energy vehicles such as batteries, motors and electronic controls, so in many cases they are replaced.

The high cost of automobile insurance

The integration of electronic equipment in new energy vehicles is quite high. The price of spare parts and working hours for a single accident is higher than that of traditional fuel vehicles, and the maintenance cost is relatively high, so the cost of auto insurance is relatively more expensive.