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热浪|新能源汽车保费较燃油车高21% 核心动力损毁率是燃油车3倍

时间:2020-05-28 12:54:09 来源:凉城古巷 浏览次数: 我来说两句(0) 字号: T T

虽然目前新能源车型在国内市场所占的比重越来越高,但却仍然没有相适应配套的专属车险,而套用燃油车的理赔及车险标志,也带来不少潜在问题。针对保费的相关问题,本站汽车从中国银保信获悉,新能源车平均保费比燃油车高21%。

2019年数据显示,全国承保新能源汽车车辆数347万辆,仅占承保汽车总数1.4%。由于体量偏小,过去新能源车保险一直套用燃油车标准,显然并不合理。而在另一方面,新能源汽车的修复及理赔标准,与传统燃油汽车有很大不同。由于没有发动机、变速器等部件,而电池、电机等关键部件又缺少明确规定,使得保险公司和车主在处理理赔时,都面临着不小的困境。

保险公司表示,自己承保新能源车型,也有不少难处。有数据显示,新能源车核心动力损毁率,是燃油车发动机事故率3倍。而保险公司自身数据和经验积累有限,理赔过程的成本较高,而且频繁出现自燃事件,多重因素导致保险公司要拉高承保标准。

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