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What are the needs and pain points of new energy vehicles in insurance products and related services

What are the needs and pain points of new energy vehicles in insurance products and related services

Answer:

Insurance, new energy vehicles mainly insurance premium, significantly higher than that of the traditional models, the difference between the minimum 2000 yuan, up to more than 4700 yuan, even taking into account the new energy automobile owners is not high on daochengjian demand, do not calculate daochengjian, the difference between the minimum is close to 800 yuan, while the highest is more than 3200 yuan. Among them, the vehicle damage insurance costs higher in property losses, which is directly related to the purchase price of the new car. Only car damage insurance, the cost of new energy vehicles is higher than the insurance premium of more than 1000 yuan, it can be said that the high cost of insurance directly increases the cost of the annual use of consumers.
Now, pure electric vehicles maintenance is almost detection agencies appearance, interior decoration, lighting etc are damaged, and the battery only through the computer to detect whether there is no fault, about two years before they need to replace the single gear oil, the cost of maintenance is very low. But now the 4S shop is no electric car repair service, pure electric car repair need electrician certificate, battery replacement requires special equipment, and each car is not universal, so that consumers can not be guaranteed to ensure follow-up.
The first consumer experience is not very good. Moreover, the first batch of the purchase of electric vehicles in the resale of second-hand car owners, but also encountered a thorny problem. Immature after-sales service with respect to traditional fuel vehicles have been mature after-sales service, new energy vehicles after the market, it seems not to see where the road".
New energy vehicles to the private market for many years, but it seems not to find their own market direction. Electric vehicles are subject to government subsidies and other preferential policies, the lower the cost of use (charging costs + maintenance costs) and other factors, so that the new car market profit margins are much lower than traditional cars. However, due to technical, after-sales and other restrictions,

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