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On December 27, new energy special car insurance began to go on sale. Then, surprisingly, some car owners found a sharp increase in premiums.

The day after it came into effect, a netizen posted a comparison of the quotations before and after the launch of the new energy special car insurance. It was also Tesla's Model Y model, and the premium rose from 8000 yuan to 14000 yuan, an increase of 80 percent. Some netizens joked: "the gas money saved is not enough to pay the insurance premium." The premium price of insurance is related to the past accident records of car owners. according to another comparison of special car insurance fees before and after the entry into force of special car insurance circulated on the network, there has indeed been a substantial increase in some models, while some models have remained unchanged or slightly reduced in price. overall, it shows an upward trend. Insurance companies responded that the increase was small, and car owners' discussion became a hot topic of the day.

Before the introduction of new energy special car insurance, car owners used traditional fuel vehicle insurance clauses. However, in the practical application, the problems of the key components of the new energy vehicle are very different from those of the traditional vehicle, especially the battery spontaneous combustion or charging fire and so on. Therefore, in many cases, the car owner can not get the claim smoothly. Today, the number of new energy vehicles has become larger and larger, and the national policy guidance is to encourage new energy consumption, subsidize new energy vehicles and more convenient ways to license them. Insurance companies have started the reform of new energy vehicles under the general trend. The new energy special vehicle insurance defines 13 additional risks of the three major insurances.

Based on the requirements of the model insurance clause of "New Energy vehicle Commercial Insurance exclusive Clause (trial)", all new energy vehicles will be insured with exclusive vehicle insurance clauses, including batteries, motors and electric control components of new energy electric vehicles, as well as accidents caused by charging of external power grids. Under this exclusive insurance clause, new energy vehicles are more fully protected. The expansion of insurance coverage also means an increase in premiums, and the extent of the increase has become a topic of discussion.

After the response to this question, most insurers only responded "not so exaggerated", but there were no more details. CCTV also verified the rise in premiums after the launch of new energy special vehicle insurance and found that there was indeed a rise in premiums. People in the insurance industry connected to CCTV received responses that went up and down, with different models in different situations, but at the same time, "Tesla's words have certain particularity." So, how much will this particularity be?

A car owner told the media that he bought a Model Y long-lasting model after the special car insurance came into effect, and its insurance premium for the first year totaled 9856.82 yuan, compared with the previous premium of more than 8000 yuan, while some car owners showed an 80 per cent increase, which was close to the increase circulated on the Internet.

Employees of the insurance company explained that according to the "exclusive terms of commercial insurance for new energy vehicles (trial)" and the "calculation and adjustment instructions on the benchmark pure risk premium table for exclusive commercial insurance products for new energy vehicles," in most cases, the premium for cars below 250000 yuan will drop, while the premium for cars over 250000 yuan may rise. At the same time, it is also said that because more than 250000 of the models are mainstream brands, such as Tesla, Lulai and so on, the voice on the Internet will be more obvious. Another reason for this difference is that insurance companies have some independent pricing rights for premiums, which may also lead to a rise in premiums for some models.

On the 29th, electric car brand Xiaopeng announced an average increase of 2.9% to 18.2% for all models, while Xilai did not release this figure, but issued a statement saying it was evaluating the possibility of setting up exclusive insurance products for Lulai.

Obviously, the increase of new energy car insurance with different degrees of procedures does exist. The sharp increase obviously runs counter to the development of new energy vehicles, which increases the use cost of some new energy vehicles and affects the enthusiasm of buying. "on December 24th, the premium I calculated online is 8000 yuan a year, while on the 27th, in the online calculation formula of the insurance company, the result is that the annual premium needs 14000 yuan, an increase of nearly 80 percent." the new energy car owner said to the media that he did not understand.

Perhaps the online discussion triggered a big discussion, and the matter took a turn for the better. According to some wait-and-see car owners, yesterday received notice from its sales consultants, new energy car insurance has been reduced again, and the extent of this reduction is not small. One car owner said that the insurance company adjusted prices overnight, and the premium for Tesla's long-lasting version of Model Y dropped 41 per cent to 5800 from 9800 the previous day. The premium of another owner, who also said he bought a high-performance version of Model Y Performance, dropped to 9900 yuan from more than 15000 yuan yesterday, a drop of nearly 40 percent.

And some car bloggers also sent a Wechat screenshot of Tesla suspected, in which Tesla Grace informed that those who have paid the premium after the insurance price has gone up in the past two days can be refunded and rebought after the expensive one has gone down.

New energy brands have not commented publicly on the topic. Obviously, the insurance company has urgently dealt with the problem of rising new energy fares discussed by car owners before.

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