Many new energy drivers have experienced the same car problem in recent years: cars drive carefully throughout the year, year round, zero risk records, and when the insurance is renewed, the premium is not reduced, but a small increase; when compared to fuel trucks at the same price, the cost of insurance is generally higher and longer each year, and many owners are increasingly puzzled, equally complying with the rules and driving with the same care. Why is it more expensive to insure and it still difficult to get low discounts without risk
Today, apart from the multiplicity of professional terms, the rules are not rigid, and the real reasons for the differences in premiums, the no-risk price increases are explained in terms of the construction of the vehicles themselves, the cost of maintenance, the character of the settlement, the error zone, the daily cost reduction exercise, while at the same time organizing the combination of insurance coverage that ordinary people can simply land on, the daily risk controls, the practical methods of reducing the volatility of premiums, matching the actual day-to-day usage of vehicles, avoiding one-sided errors, and rationally looking at the differences in the cost of a motor vehicle。
First, to clear the core: the utility is higher than the fuel vehicle premium, the core origin is not the model brand, but the maintenance cost difference
Intuitively, many of the drivers feel that 100,000-grade step-by-step motor vehicles, the first-year premium is often hundreds of times more expensive than the equivalent-grade car; around 200,000 domestic motor vehicles, the price of which can be around a thousand dollars per year; and the higher the new energy model, the greater the premium gap. Many mispercept that differences in access to insurance and geographical differences led to price differentials, but at the heart of the problem lies a completely different vehicle maintenance system。
The core parts of the fuel trucks are based on engines, gear tanks, the spare parts are mature, the market spares are adequately supplied, the general damage is usually followed by the replacement of damaged spares, small scratches require only small pieces of small pieces such as painting, replacement of safety poles, headlights, etc., maintenance works are simple, spare parts are priced, and single-claim repair costs are generally low。
New energy vehicles are integrated electromechanical structures with a core of three core components, power cells, electric machines and electrical controls, which account for most of the cost and are highly integrated. In routine travel, seemingly common chassis bumps, small bottoms, side bumps to the edge of the car undercarriage, which appears to have minor appearance damage, require a decomposition of the chassis to detect the containment of the battery pack and the integrity of the outer shell; in the event of minor deformation of the battery's outer casing and damage to the sealed glue, most maintenance areas are unable to repair the local position on a separate basis, and the full battery package is much more expensive than conventional fuel vehicle parts。
In addition to this, the use of exclusive spare parts for electric vehicles is low, routine repairs can be completed at the fuel truck road repair plant, most of the spare parts for new energy vehicles are available only through branding and after sale, the original plant spare parts are priced at a high rate per se, maintenance time standards and testing processes are more cumbersome than fuel trucks, and the average amount of compensation for the total single settlement is higher than the conventional fuel vehicle model in the long run. Insurance company premium pricing is based on a long-term reference to the average of a total of one type of vehicle, a higher-cost model and, naturally, a higher base price for basic insurance than for fuel trucks, which is the logic underlying the pre-existing high cost of insurance for electric vehicles。
Ii. Focus on dismantling: the year-round risk is zero and the premium for renewal continues to rise, mainly as a result of these factors
Most drivers default on the rule that once a year is safe, the premium is bound to fall and the price will rise once. This logic, which is relatively consistent with the fuel truck, is marked by a marked deviation from the new energy car and is not a single cause of the price increase, which is divided into four realistic factors:
1 the reference cycle for premium accounting is not a single year, but a cumulative accounting of successive multi-year risk records
Many of the drivers were simply staring at the previous year's usage records, while neglecting to account for premiums would call for overall vehicle recovery data for almost three years. If there had been a record of petty risk in the previous two years, even if there had been a full-time accident in the past year, the past settlement would have retained accounting weights, the discount slot would not have fallen to the minimum level, and the premium would naturally have remained high in comparison to the three-year-old unrisk owner, seemingly without risk this year, without a downward adjustment in the premium, or even a slight rise in the base price adjustment。
Changes in data on the overall long-term recovery of vehicles will fine-tune base pricing
The premium base is not fixed and is subject to a dynamic adjustment based on the overall network-wide recovery frequency and failure rate of the vehicle over a period of time. As a result of the increase in the market holdings of a particular vehicle, there has been an increase in the number of daily tort bumps, flooding, and circuit failure claims, and the higher average recovery data for the overall vehicle type, the corresponding base premium will be fined, and the total price of the vehicle will eventually rise slightly, even if the owner of the vehicle is exposed to personal exposure and the base price rises。
3. Year-by-year depreciation of vehicles synchronized with depreciation of core components
While the body and interior of vehicles are depreciated year after year, the replacement cost of core components such as power batteries, electrical control systems and so forth does not decrease significantly with age. An old fuel truck that has been running for three or four years with low overall residual value and low prices for second-hand parts of the engine has reduced maintenance costs; even as the age of the vehicle increases, battery packages and electrical controls remain high-cost spare parts, maintenance costs remain high in the event of bumping and chassis batteries, maintenance costs do not increase because of the age of the vehicle, maintenance costs are significantly reduced, insurance companies do not substantially lower benchmark premiums based solely on vehicle residual values, and are key to the unaffordable price of old-age electric vehicles。
4. Differences in the mix of additional safeguard blocks can easily lead to an increase in the total price of renewal
When some of the owners were insured in their first year, they were selected only for the basic core risk, the second year was successfully added to the additional risk of exclusive security for new energy sources, tyre risk insurance, safety insurance for the off-grid failure, and the increase in the total price, many of which were mistaken for the increase in the price of the main insurance premium, and the change in the total price resulting from the extended coverage, which was the difference in the price of the insurance package and not the automatic rise in the base premium。
Together, the above points give rise to a pattern of careful driving by the owner, zero-accidents throughout the year, without a drop in, or even a small increase in, the price of the renewal, rather than individual adjustments for the owner, but rather a combination of model properties, accounting cycles and maintenance costs。
Iii. Disaggregation of risk, utility insurance without blind purchasing, reasonable combinations can both manage risk and reduce unnecessary costs
After understanding the reasons for the difference, it is all the more crucial to learn about rational combinations of risk, the high cost of insurance for many car owners, and the problem of blind overloading and overloading of risk, distinguishing between those who need it and those who can have it, so as to match it with what needs to be done, without having to fully match zira's expenses:
There is no need for additional adjustments; the three risk propositions combine the daily commuter situation with the selection of appropriate quotas, and the daily city walk-in and traffic-intensive sections need not be blindly pursued at a super-high level to be sufficient; the vehicle loss and damage recommendations are normally insured, the battery undertones are vulnerable, the light bottom is highly susceptible to cost-resorting and the risk of losing the vehicle is high; and the driver of the guaranteed vehicle is a third party, with the exception of the three who are liable to pay only a third party, which is in need of immediate family support。
Flexible additional risk options: external power failure risk, separate battery break-up risk, charge-post damage risk, frequent out-of-air charge, open charge in old and old areas, easy-to-depend vehicles for routine run-away roads, as appropriate; long-term fixed-space interior charge, daily surface commuting only, could streamline part of the low-frequency additional risk and reduce the premium escalation associated with unnecessary stacking。
Mine-risk zones: do not seek full coverage of the risk range, the additional risk, the higher the total cost of coverage, the priority of maintaining the security that will be used by high-frequency vehicles, the trade-off between low-frequency scenarios and the avoidance of risk redundancy to raise the annual cost of insurance。
Iv. Four points per day, long-term stabilization and reduction of claims trigger, slowly stabilizing premium discounts
The premium discount slots, which are ultimately still determined by the individual claims frequency, are designed to slow down the lower premium rates. At the core, they are designed to reduce the need to settle claims, organize four daily landing habits and avoid high frequency claims:
1. Drives to avoid bad roads and pits and to reduce the probability of chassis
The number of claims reported can be significantly reduced by the concentration of electric batteries below the chassis, generally lower than that of the same level of fuel vehicles in the gap between the ground, the slowness of the pass zone as far as possible, the silos of the rural pits and the broken roads, parking to avoid the steep slopes of the road and the direct opening of the stairs, and by reducing troughs。
2. Priority treatment of minor injuries at own expense and elimination of petty risk retention records
In the case of minor twitching, small area varnishing, minor damage to the appearance and low cost of maintenance, the option of self-repair is as far as possible. When a small amount of compensation is reported, the records are kept in the accounting cycle and several hundred maintenance costs are saved in the case of a single small amount of compensation, and the increased premium costs resulting from the subsequent two-year period for which the discount slots have been affected often go well beyond the maintenance costs and follow the formal settlement process only when injuries and chassis batteries, parts are badly damaged and personnel are damaged。
3. Charges and stoppages are protected to reduce exposure to tide and external damage
Long periods of open-air stoppages avoid large branches, old walls, high-altitude windowsills and less damage to the body of the car; in the rainy season, as much as possible avoid deep-water sections, not blindly involved in the flow of water, and prevent the undercarriage from becoming flood-induced for failure compensation; and in the outdoors, fast-to-excess is used to select regular recharge stakes to the extent possible, to reduce electrical hazards caused by failure charges and to reduce the frequency of failure from the source。
4. Regular and simple self-inspection, pre-screening of small risks to prevent small problems from becoming more important compensation
A simple monthly check of whether the chassis is broken, whether the tire pressure is in the standard range, a simple check of the appearance of the vehicle prior to long journeys, a prompt repair of the plate break, avoidance of tectonic damage, direct contact with the shell of the battery by the groceries, and timely disposal of the minor hazard, and avoidance of subsequent break-ups and expansion to trigger high recovery。
V. Insuring small-scale exercise techniques, avoiding common error zones and avoiding total prices without justification high
1. The renewal of the policy does not require early pre-insurance coverage, which is close to a week or so after the expiration of the policy, and is prone to miss the current discount slot adjustment node, and, when multiple formal channels compete, the same risk is singled out to compare the total price and avoid the risk mix resulting in a mismatch
2. To refrain from frequent and repeated re-entry, frequent short-term changes in the channels of insurance coverage, withdrawals and reinsurance, which can easily affect the accounting data of the insurance policy, rather than contribute to the stability of long-term discounts
3. After an increase in age, low-frequency risk species can be streamlined as a result of changes in the vehicle landscape, depending on the age of the vehicle and the fine-tuning of road conditions. The first full-year insurance scheme will not be carried out on a permanent basis. It will be appropriate for the vehicle landscape to match itself and better match expenditure requirements。
Objectively, at this stage of the new energy model, the premium is higher than that of a fuel car of the same grade. This is a normal difference in the construction of vehicles, maintenance systems and the phasing of spare parts, not caused by one-sided price adjustments; price fluctuations without risk and normal floating patterns after multi-dimensional data are accounted for, without excessive anxiety, the logic behind them being cleared, and with rational combinations of risk and a reduction in the frequency of compensation for daily use of vehicles, it is possible to stabilize the premium slot and reduce unnecessary insurance costs in the long term。
As new energy vehicle-type holdings continue to rise, spare parts systems are being improved and maintenance processes are becoming more widespread, and after later maintenance costs have gradually stabilized, the overall cost of insurance coverage for vehicles will be gradually smoothed。
Interactive topics
Do you know if your car didn't go up for years? What are the additional risks that are selected for daily insurance? The comment section talks about the real cost of your renewal and the fact that you're in a car
This paper, which is intended for personal vehicle insurance, is shared with experience in vehicle protection and does not constitute a decision on vehicle insurance, professional advice on vehicle maintenance and disposal. There are differences in the pattern of vehicles and their use and content for daily reference studies only。
