Tianyan information shows that Huideng Insurance Brokerage Co., LTD. (hereinafter referred to as "Huideng Insurance Brokerage") has recently undergone industrial and commercial changes, and the enterprise name has been changed to "Weilai Insurance Brokerage Co., LTD." (hereinafter referred to as "Weilai Insurance Brokerage"). This change or means that NIO will carry out insurance-related businesses through existing license companies, and its strategic layout into the insurance industry is expected to accelerate the landing.
In recent years, new energy vehicle companies have entered the insurance industry. In the view of the industry, in the face of the status quo that the risk rate of new energy vehicles is nearly 1 times higher than that of fuel vehicles, what changes can be brought to the industry by new energy vehicle companies remains to be seen. However, if new energy vehicle companies and insurance companies can cooperate strongly in the future, it will accelerate the solution to the high compensation problem of new energy vehicles.
NiO insurance broker reappears after six months of cancellation
As the "pioneer" of NIO's entry into the insurance industry, NIO insurance broker is of great significance to NIO.
It is worth noting that previously, Weilai had registered a Weilai insurance broker Co., LTD., but it was cancelled in March this year. This time, Huiding insurance brokers changed its name, using the company name that was previously cancelled.
Some people in the industry believe that compared with the long license application process, WEilai has obtained an insurance broker license through the curve acquisition of Huiding insurance brokers, and can carry out related businesses. After the name change, through the existing license companies to quickly carry out insurance-related business, will accelerate the realization of its strategic layout into the insurance industry.
Tian Eye check information shows that in December 2022, Huideng insurance broker experienced industrial and commercial changes, and was wholly owned by the new shareholder Anhui Weilai Data Technology Co., LTD., whose actual controller is Li Bin, the founder and chairman of Weilai Automobile.
The reporter combed and found that in recent years, BYD, Tesla, Xiaopeng Automobile, ideal Automobile, etc. have registered or acquired insurance companies, intending to enter the insurance industry.
Among them, the market is particularly concerned about BYD's holding subsidiary wholly-owned acquisition of Yi 'an Property insurance, and renamed it BYD Property Insurance, which means that BYD will be able to operate property insurance business.
In order to further increase the size of the new energy vehicle insurance field, in September this year, BYD property insurance will increase the registered capital from 1 billion yuan to 4 billion yuan, an increase of 300%.
Chance to break the game?
Although new energy vehicle companies have entered the insurance industry, in the face of the status quo that the risk rate of new energy vehicles is nearly 1 times higher than that of fuel vehicles, what changes can be brought about by the entry of new energy vehicle companies, which are regarded as key forces in the industry to break the situation, is still unknown.
Zeng Yi, general manager of China Pacific Insurance, previously said that the risk rate of new energy vehicles is nearly 1 times higher than that of fuel vehicles, plus the significant increase in car travel in the first half of this year, which poses a certain pressure on the underwriting cost of new energy vehicles.
The high loss rate of new energy vehicles is the consensus of the current industry, and cooperation with car companies may be an opportunity for insurance companies to break the bureau.
Some people in the industry believe that the direct participation of car companies in automobile insurance services, the most direct benefit is that you can launch a more accurate calculation method of premium rate changes for the driver's driving behavior and vehicle accidents. Since car manufacturers have more driving behavior data, it provides a technical basis for differentiated insurance pricing and risk control, and it is possible to realize personalized auto insurance products with one person, one car and one price, which is conducive to promoting the development of new energy auto insurance.
Zhu Junsheng, research director of the China Insurance and Pension Research Center at Tsinghua University's Wudaokou School of Finance, said that the intelligence of new energy vehicles is very high, and car companies have mastered a lot of data, and if these data are rationally used in the future, car companies will make a great difference in auto insurance pricing and product innovation.
"The key is to see whether insurance companies and new energy vehicle companies can cooperate deeply." An insurance company auto insurance staff said that car companies have a large number of driving behavior data, insurance companies have professional advantages in actuarial insurance and pricing, if the two can cooperate strongly, or will accelerate the solution to the problem of high claims of new energy vehicles.
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