Tesla Insurance Lazy Pack - 6 factors that may lower insurance premium

Estimated reading time 5 minutes

10Life Team

09 Jun 2022
Tesla車保保費點解咁貴? 原來美國同香港玩法唔同?
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10Life Team

09 Jun 2022

Estimated reading time 5 minutes

電動車Tesla近年逐漸「俘虜」本地車主,加上電動車「一換一」計劃更令路面上Tesla越來越多。不過,Tesla車保保費較汽油車昂貴,一直是不少車主的痛點,究竟坊間有沒有車保計劃較Liberty利寶國際便宜?未來Tesla保費會否下跌?
 

汽車保險的種類

 
先談談香港汽車保險種類,主要分為第三者責任保險(三保)及綜合保險(全保)。根據《汽車保險(第三者風險)條例》規定,任何人在香港路上使用汽車,都須為該汽車購買「三保」,保障同車的乘客、路人等第三者,但一般不保司機損傷及自己車輛的損毀。假如只是購買了「三保」,汽車出了意外而損壞,車主或司機要自行承擔費用。
 
「全保」保障範圍則更廣,除了包括「三保」,還包括保障汽車損毀、車主或司機醫療費用等,保費自然較「三保」昂貴。視乎不同「全保」的條款,部分保險公司會提供更多保障範圍,並有機會反映在保費。
 

影響車保保費的因素

 
保費會根據年齡、職業、駕駛經驗、索償和交通違規等紀錄,以及所選擇的保單類型、車輛型號和估值等一系列因素來釐定。
 
汽車保險還有一項特點,便是設有無索償折扣(NCD)。假如期內沒有索償,下次續保時便享有折扣,每間保險公司的折扣率不同,無索償的累積年數愈高,續保折扣愈大,一般介乎20%至60%。舉例來說,假設期內一直沒有索償,首年續保的NCD是20%,第5年續保的NCD是60%。
 

Tesla車保保費貴平均逾倍

 
利寶國際保險是Tesla香港的指定合作夥伴,亦即官方保險。以Tesla Model 3為例,利寶Tesla「全保」一般超過1萬港元。再看看保監局2020年數據,全港車輛(包括私家車、貨車、的士)平均保費僅5,056港元,意味Tesla官方「全保」貴平均逾倍。
 
市場上自然不止利寶一家,亦有其他保險公司提供Tesla「全保」,例如大新保險去年起亦為Tesla推出「三保」及「全保」。
 
不過,由於釐定車保保費因素太多,加上很多時候保險公司及經紀定價透明度低,難以比較保費。參考以下車主個案,他於今年初為Tesla Model 3投保詢價,利寶「全保」報價約1萬元,蘇黎世(Zurich)「全保」則為逾2.6萬港元,兩者可以相差超過一倍,而有些保險公司拒絕向經紀出價(即不接受投保)。


比較兩間保險公司的Tesla Model 3全保保費細節
(司機為35歲、駕駛年資11年或以上)

項目 利寶國際 蘇黎世
保費 10,879港元 26,829港元
一般自負額 15,000港元 50,000港元
盜竊損失自負額 5,000港元 50,000港元
非指定司機自負額 20,000港元 30,000港元
 

Telsa車保保費貴的原因

 
至於為何Tesla車保保費寧舍貴?甚至保險公司拒絕出報價?以下有兩大原因:

1. 維修費昂貴。Tesla本身造價昂貴,加上非原廠零件選擇有限或欠缺,原廠零件需要從美國外運到香港,增加成本,維修亦需要到Tesla指定服務中心及授權車身維修中心,並非所有街邊車房懂得維修,缺乏競爭,價格自然居高不下。最後,Tesla部分Model車身採用鋁合金製造的一體化車殻,意味即使輕微碰撞,都有機會更換整個車殼。
 
2. 電動車起步時的加速較傳統汽油車為快得多,香港人起初不習慣駕駛電動車,較易發生意外,導致索償頻率亦增加,加上Tesla馬力較大,保費理論上較高。
 
事實上,當年Model S來港,最初合作為蘇黎世,及後轉為與AXA安盛合作,以60% NCD計算當時1年保費大概1萬港元,還保障電池更換,條款相當吸引,後來AXA安盛於2018年單方面終止保單,曾經成為車界熱聞,當時一眾Tesla車主急急尋找其他保險公司。
 

Tesla車保保費未來會便宜?

 
現時Tesla生態圈已經起了幾種變化:

1. Tesla車主增加,多了副廠願意為Tesla提供零件;

2. Model 3亦不再使用一體化車殼,降低維修成本。
 
3. 香港而言,司機已經較習慣駕駛電動車,有望降低意外率;

4. 多了車房懂得維修Tesla,維修費較指定維修中心為低;

5. Tesla已經在上海建造工廠,Tesla造價、維修所需零件及運費成本亦會相應降低,維修成本下降情況下,未來保費理論上有望降低;

6. Tesla在美國推出新保險模式,不再按傳統的以年齡、職業、駕駛經驗、索償和交通違規等紀錄,來釐定保費,而是根據用家實時駕駛行為來收取每月保費,在這些「大數據」支持下,我們拭目以待降保費成效,以及未來香港Tesla用家會否受惠。
 
註:
  1. 本文由10Life從不同途徑搜集市場資料製作而成,僅供一般參考之用,並沒有考慮任何個人需要及合適性,亦不應被視爲銷售建議。投保前應與持牌保險顧問商討適合自己的保險方案,並以保險公司提供的資料爲準。
  2. 本文最後更新日期: 2022年6月9日

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