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"new energy vehicle insurance" can be regarded as a key word in the automotive industry in 2024. due to a series of problems such as high maintenance costs, vehicle value, lack of historical data, maintenance technology limitations, and policy uncertainty, new energy vehicles have become "high premiums" and "rejected insurance". therefore, why the premiums for new energy vehicles in china are expensive has also become a topic of concern.

just recently, the first results of the china insurance automobile safety index 2024 evaluation models were released. among the 8 models participating in the test, there are 5 domestic new energy models. the results finally reveal why the insurance premiums of chinese new energy models are so expensive.

as shown in the table above, among the five chinese brand new energy vehicles tested, ideal mega is a 500,000 yuan mpv, zeekr 007, xiaomi su7, ideal l6, and haobo ht are all 200,000-300,000 yuan products, all of which are mid-to-high-end models. it is precisely because of this that the various collision results of the vehicles are satisfactory! in particular, in terms of in-car occupants, pedestrians outside the car, and auxiliary safety, they all received a g+ rating.

but the bad news is that most domestic mid-to-high-end models are rated good in terms of crash resistance and repair economy, and two models only received an m (average) score. the points lost are all concentrated in the repair economy. as shown in the figure below, the four models of zeekr 007, xiaomi su7, ideal l6, and haobo ht all received an m score in this item. at the same time, in terms of repairability, haobo ht and xiaomi su7 are rated good (a score), while zeekr 007 is rated p.

in addition, the maintenance economy of ruifeng rf8 and corolla ruifang both achieved an a score, while the maintenance economy of bmw i5 was p.

for this situation, on the one hand, it is a price issue. the maintenance cost of a car with a price of 200,000 to 300,000 yuan is not low. for example, the headlight maintenance cost of zeekr 007 and xiaomi su7 is about 6,000 yuan, which is comparable to joint venture b-class cars and is within an acceptable range. however, the ideal l6 is generally reported to have high maintenance costs. its headlight costs are about 10,000 yuan, and replacing a set of bumpers costs about 3,000-4,000 yuan.

on the other hand, the technology components are exposed. for example, if the laser radar is damaged, it will cost 10,000 to 20,000 yuan to replace the assembly. in july, an m5 owner spent 12,000 yuan to replace the entire laser radar assembly. therefore, some netizens complained: it turns out that the benefits enjoyed in the price war will be paid back when the car is repaired!

in addition, through-type headlights or taillights, and personalized giant screen light strips are all in the easy-to-collision area. once an accident occurs, this position is also the most vulnerable. low-profile cars are more likely to be hit, which is also clearly shown in the c-iasi video. as for the solution, the effective aeb function can brake in time at low speeds to avoid the occurrence of major or full-fledged accidents. this can not only effectively protect related components, but also reduce your own losses when an accident occurs.

therefore, some industry insiders believe that domestic new energy vehicles, low-end and mid-range models will be deterred by insurance companies because of their high mileage due to online car-hailing operations. as for mid-to-high-end models, their high prices, brand premium space, and high prices of related high-end accessories will have a certain impact on the insurance premiums and scores for the coming year once an accident occurs for which they are primarily responsible or fully responsible.

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