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保险比车贵 新能源汽车保险服务蓄势待发

大字小字2018-10-24 14:50

  车保险怎么会比车贵,下来南京汽车租赁公司来告诉你。
  2017年,中国新能源汽车产销分别达79.4万辆和77.7万辆,同比分别增长53.8%和53.3%。专家预计,今年新能源汽车销量将达100万辆。在新能源汽车产业快速发展的同时,也对专属保险服务提出了更高要求。
  “传统燃油汽车保险业务已经越来越不能满足新能源汽车消费者的差异化需求。”中国银保监会相关负责人表示,面对发展潜力巨大的新能源汽车市场,作为汽车后市场的重要组成部分,新能源汽车保险市场也将被带动起来。
  市场有待规范
  “车便宜,但车险相对较贵”。不少新能源车主表示,在购买新能源汽车时,由于有国家和地方政策补贴,新车实际购置价往往比厂家指导价便宜很多。不过,消费者为其投保商业车险时,保额却要按车辆补贴前的价格核算。比如,某款新能源车型的官方指导价是15万元左右,减去政策补贴和厂家优惠后,消费者只需付6万元左右便可购买。但为该车投保时,其车险价格则按车辆补贴前的官方指导价来计算。天津租车
  不仅如此,传统燃油车在次年续保时,车损的保额较上一年约有10%的折损,但很多新能源车主在第二年续保时发现,保额丝毫未变。即使车辆第一年的保险是补贴前价格购买的,第二年也完全一样。
  记者了解到,目前大型险企的确还没推出为新能源汽车量身设计的产品。也就是说,新能源汽车与传统燃油车在险种、基本保费、费率上仍然保持一致。对此,很多财险公司表示,新能源汽车刚出现时,因缺少相关理赔数据和承保经验,在车辆定损、费率厘定、风险管控等方面,险企普遍采取较为谨慎的态度。
  同样,有市场人士分析认为,一方面目前新能源汽车体量相对较小,缺乏大数据支持,导致保险公司只能按燃油车测算标准,对新能源汽车采用相对保守的系数级别标准;另一方面,新能源汽车商业保险在收费标准、续保环节还存在不规范操作,迫切需要监管和改变。
  中国汽车工程研究院股份有限公司董事长李开国认为,伴随着新能源汽车快速发展,汽车企业、消费者对新能源汽车保险服务提出了更高的要求。险企在新能源汽车保费、费率、定损理赔等方面应符合新的市场需求。
  专属条款渐近
  去年底,在中国保险行业协会主办的“新能源汽车保险发展交流会”上,中保协会长朱进元表示,保险行业协会将启动对新能源汽车保险专属条款制定、风险定价和理赔技术等方面的专业研究,加大保险产品供给,满足市场、消费者的多样化保险需求。
  值得注意的是,随着商车险费率改革不断深化,也为新能源汽车保险营造了成熟的环境。据悉,商车险改革以来,保险行业协会制定并发布了多项行业示范条款,包括《机动车综合商业保险示范条款》《机动车损失保险示范条款(全面型)》《机动车出境综合商业保险示范条款》《机动车第三者责任保险法定节假日限额翻倍示范条款》,基本建成了覆盖不同保障需求和特殊市场需求的示范条款体系,创新条款评估机制运行平稳,车险条款的形成机制已趋于成熟,这为新能源汽车保险示范条款的制定奠定了基础。
  与此同时,商车险改革将车损险定价模式由传统的保额定价模式转变为国际上较为通行的车型定价模式,也就是对安全性低、零整比高的汽车厘定更高的费率。“基于车型定价模式,再结合新能源车的车辆结构和风险特征开展研究,有助于形成新能源汽车专属费率条款。”业内人士分析称。
  据悉,近日监管部门召开新能源汽车保险专属条款研讨会,分析商业车险示范条款的市场需求,重点讨论新能源汽车保险专属条款、汽车延保保险条款等内容。
  对于险企来说,“面对竞争激烈的传统车险市场,新能源车险是一个机遇,特别是对中小保险公司而言。如果险企能把握先机,提供细分市场的个性化产品和服务,将会有不小的斩获”。众诚保险总裁吴保军表示。
  目前,保险行业正在充分提升对新能源汽车风险管理和风险保障能力,新能源车险蓄势待发。
  In 2017, China's production and sales of new energy vehicles reached 794,000 and 777,000, respectively, up 53.8% and 53.3% year-on-year. Experts predict that the sales of new energy vehicles will reach 1 million this year. With the rapid development of the new energy vehicle industry, higher requirements for exclusive insurance services have been put forward.
  "The traditional fuel automobile insurance business has been increasingly unable to meet the differentiated needs of consumers of new energy vehicles." The person in charge of the China Banking and Insurance Regulatory Commission said that in the face of the huge development potential of the new energy automobile market, as an important part of the automobile aftermarket, the new energy automobile insurance market will also be driven.
  Market needs to be standardized
  "Cars are cheaper, but car insurance is relatively expensive." Many new energy owners say that when buying new energy vehicles, the actual purchase price of new vehicles is often much cheaper than the manufacturer's guidance price because of state and local policy subsidies. However, when consumers are insured for commercial vehicle insurance, the insured amount should be calculated according to the price before vehicle subsidy. For example, the official guideline price for a new energy vehicle is about 150,000 yuan. After subtracting the policy subsidy and the manufacturer's preference, consumers can buy it for about 60,000 yuan. However, when the vehicle is insured, the vehicle insurance price is calculated according to the official guidance price before the vehicle subsidy. Tianjin car renting
  Not only that, the traditional fuel vehicles in the next year renewal of insurance, car damage insurance compared to the previous year about 10% of the loss, but many new energy owners in the second year renewal of insurance found that the amount has not changed at all. Even if the vehicle's first year's insurance is purchased at the pre subsidy price, it will be exactly the same in second years.
  Reporters learned that at present, large insurance companies have not yet launched products designed for new energy vehicles. That is to say, new energy vehicles and traditional fuel vehicles in the types of insurance, basic premium, rates are still consistent. In this regard, many property insurance companies said that when the new energy vehicles appeared, due to the lack of relevant claims data and underwriting experience, insurance companies generally adopted a more cautious attitude in terms of vehicle damage, rate setting, risk management and control.
  Similarly, some market analysts believe that, on the one hand, the current volume of new energy vehicles is relatively small, the lack of large data support, leading to insurance companies can only be based on fuel vehicle measurement standards, relatively conservative coefficient level standards for new energy vehicles; on the other hand, new energy vehicles in the commercial insurance fees, renewal link There are still non-standard operations and urgent need for regulation and change.
  Li Kaiguo, chairman of China Automobile Engineering Research Institute, believes that with the rapid development of new energy vehicles, automobile enterprises and consumers have put forward higher requirements for new energy vehicle insurance services. Insurance companies should meet the new market demand in terms of premium, rates, and claims for new energy vehicles.
  Exclusive clauses Asymptotically
  At the "New Energy Automobile Insurance Development Exchange" sponsored by the China Insurance Association at the end of last year, Zhu Jinyuan, president of the China Insurance Association, said that the insurance association would launch professional research on the formulation of exclusive clauses, risk pricing and claims settlement techniques for new energy automobile insurance, and increase the supply of insurance products to meet the needs of the market. Consumers' diversified insurance needs.
  It is noteworthy that with the deepening of the reform of commercial vehicle insurance rate, it also creates a mature environment for new energy vehicle insurance. It is learnt that since the reform of commercial vehicle insurance, the insurance industry association has formulated and promulgated a number of industry demonstration clauses, including the "Motor Vehicle Comprehensive Commercial Insurance Demonstration Clause", "Motor Vehicle Loss Insurance Demonstration Clause (Comprehensive)", "Motor Vehicle Exit Comprehensive Commercial Insurance Demonstration Clause", "Motor Vehicle Third Party Liability Insurance Legal Holiday" The demonstration clause of doubling the daily quota has basically established a demonstration clause system covering different safeguard needs and special market demands. The evaluation mechanism of innovative clauses runs smoothly, and the formation mechanism of automobile insurance clauses has become mature. This has laid a foundation for the formulation of new energy automobile insurance demonstration clauses.
  At the same time, the reform of commercial vehicle insurance has changed the pricing model of vehicle damage insurance from the traditional insurance pricing model to the more popular pricing model in the world, that is, setting higher rates for cars with low safety and high zero-to-whole ratio. "Based on the model of vehicle pricing, combined with the vehicle structure and risk characteristics of new energy vehicles to carry out research, help to form a new energy vehicle exclusive rate clause." Industry analysts said.
  It is reported that the regulatory authorities recently held a seminar on the exclusive clauses of new energy automobile insurance, to analyze the market demand for commercial automobile insurance demonstration clauses, focusing on the exclusive clauses of new energy automobile insurance, automobile extended insurance clauses and other content.
  For insurance companies, "facing the fierce competition in the traditional automobile insurance market, new energy automobile insurance is an opportunity, especially for small and medium-sized insurance companies. If insurance companies can seize the opportunity to provide personalized products and services in the market segmentation, there will be a lot of gains. Wu Baojun, President of Zhongcheng insurance company, said.
  At present, the insurance industry is fully upgrading the risk management and risk protection capabilities of new energy vehicles, new energy vehicle insurance is ready to start.

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