新能源车主为啥频遇“保险刺客”

Core Insights - The article discusses the challenges faced by the new energy vehicle (NEV) insurance market, highlighting issues such as high premiums, difficulty in obtaining insurance, and the opaque pricing mechanisms that frustrate consumers [1][2][3]. Pricing Mechanism - Consumers express confusion over the high insurance premiums relative to their vehicle prices, with some reporting significant increases in renewal costs despite no claims [2][3]. - The pricing logic for NEV insurance is described as a "black box," with multiple factors influencing premiums, including vehicle type, region, and usage [4][5]. Industry Challenges - The NEV insurance market is characterized by a "triangle dilemma" of high premiums, difficulty in obtaining insurance, and underwriting losses, primarily due to the unique repair and maintenance requirements of NEVs [3][5]. - The rapid evolution of NEVs leads to insufficient historical data for accurate risk assessment, resulting in premiums that do not adequately cover the higher risk costs associated with these vehicles [5][6]. Claims and Coverage Issues - The rise of ride-sharing and "part-time ride-sharing" has increased the risk profile of NEVs, complicating the classification of vehicles as private or commercial, which directly affects insurance premiums [6][7]. - Disputes often arise regarding the nature of vehicle use, with insurance companies denying claims based on the classification of vehicles as commercial when used for ride-sharing [6][7]. Market Dynamics - Despite the overall pressure on the industry, some companies have found profitable paths by focusing on private vehicle insurance and optimizing risk structures [8][9]. - The emergence of "car company" insurance firms, such as BYD Insurance, has shown profitability by leveraging vehicle operation data to create tailored insurance products [8][9]. Recommendations for Consumers - Consumers are advised to accurately disclose vehicle usage to avoid disputes and ensure effective coverage [9]. - It is recommended that consumers compare quotes from different insurers due to significant pricing discrepancies based on varying data models and risk assessments [9].