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With the continuous increase in the number of cars, the rise of new energy vehicles is growing rapidly. The growth of vehicles will also bring more problems, such as the gradual increase in traffic accidents. And in the face of large and small accident insurance is also essential, even if there is no insurance for small accidents, car owners will also buy insurance.

The insurance policy for new energy vehicles is different, because new energy vehicles are a new type of vehicle, so its regulations on insurance claims are not as perfect as traditional fuel vehicles, so many insurance companies will set "small traps" in the area of claims settlement, such as what we call high insurance and low compensation today.

As the name implies, high insurance and low compensation means that when buying a car, the insurance company charges the owner's insurance fee according to the price before the subsidy for new energy vehicles, and after the claim settlement event, the amount of compensation is paid according to the actual transaction price. If we investigate the reason for this situation, it is still caused by the imperfect norms of new energy insurance in our country.

For insurance companies such a "overlord clause" so that many new energy car owners "suffer losses."

Mr. Jia from Beijing bought a new energy vehicle in June at a subsidised price of about 160000 yuan. Its insurance policy in an insurance company shows that the insurance amount of motor vehicle loss insurance is 222000 yuan before the subsidy, plus third party liability insurance, the first-year premium amounts to more than 5400 yuan. "I don't know much about insurance. When I was insured, the insurance company didn't remind me that the premium was calculated on the basis of the car price before the subsidy." Mr. Jia said.

There are many car owners who "don't know the truth" like Mr. Jia. Some media interviewed dozens of new energy car owners, most of whom were only found to be insured at a high price when they looked through the insurance policy.

A case released by the people's Court of Jinnan District in Tianjin showed that consumer Li enjoyed a state car subsidy of 100000 yuan and bought a brand of pure electric car with a price of 160000 yuan at an actual price of 60, 000 yuan. When buying commercial insurance, Li was insured according to the amount of 160000 yuan. during the insurance period, Li drove the vehicle into a unilateral traffic accident, resulting in a total loss of the vehicle. Afterwards, the insurance company only agreed to compensate Li for 60,000 yuan of the actual expenditure on car purchase at that time.

According to the analysis data of China Insurance Information Technology Management Co., Ltd., the per capita premium of new energy vehicles is 21% higher than that of non-new energy vehicles. From the perspective of unit premium, the unit premium of household new energy vehicles with a purchase price between 100000 yuan and 300000 yuan is higher than that of traditional cars.

In fact, at present, there is no unified standard for the calculation of insurance premium for new energy vehicles in China, and there are differences among different insurance companies and different regions.

Some people in the insurance industry say frankly that the body structure, components and battery mileage of new energy vehicles are quite different from those of traditional vehicles, and insurance risk control is more difficult than traditional vehicles. New energy vehicles should have exclusive insurance.

Although new energy vehicles have become the dominant trend, but the current regulations for new energy vehicles are not perfect, after all, it is still a matter of time. However, compared with traditional fuel vehicles, this policy of "high insurance and low compensation" of insurance companies not only harms the due rights and interests of consumers, but also makes China's new energy vehicle market lose its fair trade.

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