The two major problems of the new energy exclusive car insurance for half a year "pricing difficult to pay high" is to be solved

The exclusive clause of new energy vehicle commercial insurance (hereinafter referred to as "new energy exclusive car insurance") has been officially launched for half a year. The industry believes that new energy exclusive auto insurance will become the "main position" for the market for the incremental incremental market, but from the current point of view, insurance companies still face two major problems: difficulty in pricing and high compensation rates.

People in the industry believe that the deployment of new energy exclusive auto insurance markets, car companies and insurance companies have their own advantages. The market will gradually standardize and grow in many games and cooperation.

Active layout of large insurance companies and car companies

On December 27, 2021, the new energy exclusive car insurance was launched in the country and has been in the country for half a year. Faced with the new energy vehicle insurance market with huge growth potential, large -scale insurance companies have actively deployed, and new energy vehicle companies have also been involved in this field.

In the six months of the new energy exclusive auto insurance, what is the market premium income and compensation of the entire market? The reporter contacted large property insurance companies and the Shanghai Insurance Stock Exchange. As of press time, the relevant parties said that there was no data that could be disclosed for the time being. The overall market situation of new energy vehicle insurance can only be seen through the new energy vehicle market.

According to data from the China Automobile Industry Association, in May, my country ’s new energy vehicles were sold for 447,000 units, an increase of 49.6%month -on -month and 105.2%year -on -year. From January to May, the cumulative sales volume of new energy vehicles in my country was 2003,000, a cumulative increase of 111.2%year -on -year; during the same period, the total sales of Chinese automobiles were 9.555 million units, a year -on -year decrease of 12.2%. It can be seen that the sales of new energy vehicles are growing rapidly, and the new energy exclusive auto insurance market has also grown accordingly.

Facing the new energy vehicle insurance market with huge potential, large insurance companies have actively deployed. For example, Chinese PICC stated in the 2021 annual report that "the production and sales of new energy vehicles will be the highlands of auto insurance competition in the next few years." Last year, the number of new energy vehicles under the insurance insurance of China PICC's insurance insurance reached 2.926 million units, an increase of year -on -year increase 88.2%. Gu Yue, chairman of Tai Insurance Property Casualty Insurance, recently said that the company's new energy vehicle insurance business has grown very quickly in the past two years, and the proportion of new car insurance business structure has increased significantly. In the first quarter of this year, the growth rate of new energy vehicle insurance of Tai Insurance Property Insurance exceeded 100%, which promoted the maintenance of double -digit growth in the vehicle insurance business.

While the large -scale insurance companies are actively layout, more and more new energy vehicle companies have entered the insurance field. The reporter sorted out and found that Weilai Insurance Brokerage Co., Ltd. and BYD Insurance Brokerage Co., Ltd. were established in January and March, respectively; in April, the ideal car obtained insurance intermediary licenses through equity acquisitions; Tesla, Xiaopeng and other cars such as cars and other cars Enterprises have previously been involved in the field of insurance intermediaries.

In this regard, Zhou Junhua, general manager of China Real Estate Innovation Business Department, analyzed the reporter of the Securities Daily that the auto insurance as an important interface for the long -term interaction between the new energy vehicle company and the owner of the owner, and it must be the key layout of the major new car companies. The layout of new energy vehicle companies in the insurance field will have a greater impact on the auto insurance market. At the same time, new energy vehicle companies need to use insurance companies' outlets and experience advantages in the field of auto insurance. Therefore, the cooperation between the two is greater than competition.

The research report released by Guotai Junan also believes that insurance companies have historical underwriting experience and huge service outlets, and have a wider coverage and more secure service quality. Although new energy vehicle companies are better in strategies and can sell insurance while selling cars while selling cars, insurance companies can more attract consumers in subsequent tracking services.

Insurance companies must improve their pricing and risk control capabilities

Although the market prospects are broad, the current energy exclusive auto insurance is still facing core problems such as high compensation rates and difficult pricing. Because of this, many small and medium -sized insurance companies take a wait -and -see attitude or tasting the new energy vehicle insurance business.

According to statistics from China Banking Credit, from 2016 to the first half of 2020, the overall risk of new energy vehicles was 3.6%higher than non -new energy vehicles, and the risk rate of home new energy vehicles was 9.3%higher than non -new energy vehicles.

Zhou Junhua analyzed that at present, the overall comprehensive compensation rate of new energy vehicles is higher than that of traditional fuel vehicles. As a new type of insurance standard, the risk of new energy vehicles is different from that of traditional fuel vehicles. Its "three electricity" accounts for a high proportion, and some insurance companies are still not fully cognitive. At the same time, in the emerging field of new energy vehicles, insurance companies The ability of anti -fraud and anti -fraud protection still needs to be improved; from the perspective of the owner, the owners of the first new energy private car are mainly young people with a short driving experience, and a large number of new energy vehicles are used for urban bus and online car rental. Waiting for the areas with high compensation rates; the maintenance and pricing system of new energy vehicles is still in the process of construction, and the market has not yet formed a unified and convenient maintenance standard, which has pushed the compensation rate; in addition, the proportion of new energy exclusive auto insurance still accounts Small, there are certain limitations in data statistical analysis.

Affected by the above -mentioned various factors, many small and medium -sized insurance companies have concerns about the danger of new energy vehicles. After some trials, some companies press the "pause keys". Zhou Junhua said that the new energy vehicle insurance business has put forward new challenges to insurance companies in terms of service requirements, pricing capacity, cost control, and risk control. Small and medium -sized insurance companies have a certain shortcomings in terms of talents and technology. Field layout. For these insurance companies, it is necessary to improve pricing and risk control capabilities and better achieve resource allocation. For example, in the near future, the "re -road" new energy vehicle insurance pricing risk control major model system has been launched in the near future.

Some problems facing the new energy vehicle insurance market need to be gradually resolved with the development of the accompanying industry.For example, the reporter learned in the interview that the phenomenon of "replacement" of new energy vehicles is common, resulting in high business costs.Wang Hao, the founder and CEO of Kobora Automobile Consultation Service (Qingdao) Co., Ltd., told the Securities Daily reporter that it is necessary to gradually promote the reduction of the cost of maintenance and accurately repair the vehicle failure instead of "repairs to repairs".However, this goal is difficult to achieve overnight.Reporter Leng Cuihua

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