Car owners reported that Nezha cars were refused insurance by many insurance companies, and online car-hailing accident rates became the focus of attention

According to news on August 8, many Nezha car owners have complained to the media recently, saying that their vehicle insurance costs have experienced an unprecedented surge. What's more, many insurance companies have directly refused to provide insurance for Nezha cars. Insurance services. This situation quickly aroused widespread concern and heated discussion among car owners. According to a car owner who purchased a Nezha car in 2022, when renewing the insurance for his car this year, he was told that the premium would be as high as more than 9,000 yuan. This figure has increased by more than 4,000 yuan compared to last year. The increase is staggering. . What is particularly puzzling is that the owner's vehicle is not used for business operations, and there was only one small claim last year (the compensation amount was 1,000 yuan). Normally, the owner should not face such a large increase in premiums. The editor understands that the price range of Nezha Auto's mainstream models is mainly between 100,000 and 200,000 yuan. Under normal circumstances, it includes car damage insurance, third party insurance (insurance amount of 2 million yuan), passenger insurance and compulsory traffic insurance, etc. The comprehensive premium should be between 4,000 and 5,000 yuan. Obviously, the current premium levels faced by some Nezha car owners have far exceeded industry standards, and their rationality has been questioned.

In addition, the car owner also mentioned that although the value of the Tesla Model Y driven by his friend is about 100,000 yuan higher than Nezha Automobile, the annual insurance cost is only more than 6,000 yuan. The comparison further fueled owners’ dissatisfaction.

Faced with the sharp increase in insurance premiums, many Nezha car owners find it difficult to accept it, and some even consider changing brands to avoid high insurance costs.

On social media platforms, such as Xiaohongshu, similar voices have emerged one after another. Many Nezha car owners have posted their premium bills and complained about the unreasonable increase in premiums. Some car owners have revealed that they have been in the embarrassing situation of being directly refused insurance by insurance companies. Most of the reasons given by insurance companies focus on the high accident rate of online ride-hailing, which leads to an increase in overall risk assessment, thereby pushing up premiums or choosing to refuse coverage.

This is not a problem unique to Nezha Auto. Previously, brands such as BYD and GAC Aian had also faced the dilemma of rising premiums or being denied insurance because their models were widely used in online ride-hailing services. This phenomenon has once again triggered in-depth thinking and discussion on the relationship between the online ride-hailing industry and the auto insurance market. -->

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