Electric car hot, how to buy insurance？
Reporter Liu Tingting
More and more consumers have turned their attention to electric vehicles since the ban was imposed in Zhengzhou。 As sales get hotter, so does the insurance of electric cars: like traditional fuel-powered cars？ What should be paid attention to when insuring？
Comparison: same insurance but higher premium
On January 2, the reporter visited many new energy auto stores in Zhengzhou to learn that there is almost no difference between electric vehicles and traditional fuel vehicle insurance coverage, the main insurance covers the compulsory insurance, car damage insurance, three liability insurance, theft and rescue and car personnel liability insurance, additional risks such as self - combustion, scratch insurance, glass insurance, engine water insurance and non-compensable insurance。
" although the insurance of electric vehicles and traditional fuel vehicles, but the premium of electric vehicles is higher than the same grade of fuel vehicles。 " Zhengzhou a new energy vehicle 4 s shop staff told reporters, because of the insurance premium prices are determined by the car price, and new energy vehicles compared to the traditional car cost is higher, the car price will generally be higher, the premium is correspondingly higher。 And some pure electric vehicles also according to enjoy subsidies before the original price of insurance, in this way, the premium will not be less。
Status: batteries cannot be insured separately
For electric vehicles, consumers are most concerned about the safety of electric vehicles, in addition to its charging, endurance and other issues。 After consulting the major insurance companies, the reporter learned that the battery as one of the core components of new energy vehicles, there is no separate insurance regulations for its insurance, can not be insured separately。
In response, the industry said, this is because the battery cost of electric vehicles is very expensive, accounting for almost half of the cost of the whole car, and in the event of failure damage, claims amount is very high, the insurance company is not willing to bear too much risk。 On the other hand, because manufacturers often only for the battery's own product problems to give quality assurance, if the accident caused by battery damage, the owner can only pay。 An insurance company in Zhengzhou staff said: " the traditional fuel car insurance can not be independent of the engine on the insurance, the same reason, the current insurance regulations can not be independent of the battery on the insurance of electric vehicles。 " the
Reminder: these types of insurance are best bought
Zhengzhou a new energy vehicle after-sales staff told reporters: " the battery is good or bad from the performance, service life and safety factors and other aspects of evaluation。 The batteries carried by the mainstream electric vehicles on the market include 18650 lithium cobalt oxide battery ( Tesla ), lithium iron battery ( BYD E6, jianghuai ie v4, BAIC e 150 ev ), manganese battery ( Dongfeng Nissan chenchen morning wind )。 But no matter what kind of battery, can't fundamentally solve the problem of battery safety。 The real danger of electric vehicles is the high voltage short circuit hidden trouble, so far, no technology can fundamentally solve this problem。 " therefore, the electric car's self-combustion risk is worth a buy。
In addition, the staff member stated that compulsory insurance was also mandatory, as required by the state。 And the choice of commercial insurance can be determined by the actual situation of the owners themselves, do not need to buy all。 Among them, the car damage insurance is the main risk is also the basis of additional risks, only insured car damage insurance can according to the demand combination to buy other additional risks, so it is best to buy。 And theft and rescue, water-related risks, scratch insurance, glass insurance and other insurance, it is suggested that according to the individual different car environment, driving technology and other factors to decide whether to buy。
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