{"id":37467,"date":"2025-11-11T09:19:12","date_gmt":"2025-11-11T09:19:12","guid":{"rendered":"https:\/\/www.europesays.com\/lt\/37467\/"},"modified":"2025-11-11T09:19:12","modified_gmt":"2025-11-11T09:19:12","slug":"automobiliu-draudikams-kinijoje-krize-privalo-drausti-bet-dirba-nuostolingai","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lt\/37467\/","title":{"rendered":"Automobili\u0173 draudikams Kinijoje \u2013 kriz\u0117: privalo drausti, bet dirba nuostolingai"},"content":{"rendered":"\n

Nors \u012fmokos u\u017e elektromobilius jau dabar yra gerokai didesn\u0117s nei u\u017e \u012fprastus automobilius, grie\u017eti valstybiniai reguliavimai neleid\u017eia draudikams pakelti \u012fkaini\u0173 tiek, kad padengt\u0173 patiriamus nuostolius.<\/p>\n

Daugiau naujien\u0173 i\u0161 automobili\u0173 pasaulio galite perskaityti \u201eAutomobili\u0173 naujienos\u201c rubrikoje.<\/a><\/p>\n

\"\u201eXpeng\u201c <\/a> <\/p>\n

Pavyzd\u017eiui, \u201eXiaomi SU7\u201c, kainuojant\u012f apie 215 900 juani\u0173, apdrausti kainuoja pana\u0161iai, kaip dvigubai brangesn\u012f automobil\u012f su vidaus degimo varikliu. Taip yra tod\u0117l, kad, remiantis \u201eLexisNexis\u201c duomenimis, elektromobili\u0173 savininkai \u012f eismo \u012fvykius patenka ma\u017edaug dvigubai da\u017eniau.<\/p>\n

Kod\u0117l elektromobili\u0173 draudimas brangesnis? <\/p>\n

Draudimo technologij\u0173 instituto CIRI vadovas Liu Shulinas nurodo kelias pagrindines prie\u017eastis. Pirma \u2013 momentin\u0117 akceleracija.<\/p>\n

\u201eTesla<\/a> Model 3\u201c iki 100 km\/val. \u012fsib\u0117g\u0117ja per 4,4 sekund\u0117s \u2013 beveik dvigubai grei\u010diau nei pana\u0161ios kainos BMW<\/a> su vidaus degimo varikliu. Daugelis vairuotoj\u0173 tiesiog n\u0117ra pasireng\u0119 tokiai dinamikai.<\/p>\n

Antra \u2013 itin brangus remontas. Sugadintos baterijos keitimas da\u017enai prilygsta pusei automobilio vert\u0117s, o kai kuri\u0173 modeli\u0173 remontuoti apskritai negali jokios dirbtuv\u0117s, i\u0161skyrus pat\u012f gamintoj\u0105.<\/p>\n

Tre\u010dia \u2013 pave\u017e\u0117jimo paslaugos. Didel\u0117 dalis elektromobili\u0173 Kinijoje naudojami pave\u017e\u0117jimo paslaugoms, tod\u0117l j\u0173 rida ir, atitinkamai, rizika yra kur kas didesn\u0117 nei priva\u010di\u0173 automobili\u0173.<\/p>\n

Kai kurie vairuotojai skund\u017eiasi, kad draudikai i\u0161vis atsisako prat\u0119sti sutartis, jei automobilis per metus nuva\u017eiuoja daugiau nei 20 000 km (vos 54 km per dien\u0105).<\/p>\n

\"Dongfeng <\/a> Valstyb\u0117s sp\u0105stuose <\/p>\n

Nors 2023 metais elektromobiliai Kinijoje sudar\u0117 tik 4,7 proc. viso automobili\u0173 parko, jiems teko net 8 proc. vis\u0173 draudimo \u012fmok\u0173 (apie 100 mlrd. juani\u0173). Ta\u010diau net ir tai negelbsti.<\/p>\n

Draudik\u0173 nuostolingumo rodiklis\u00a0elektromobili\u0173 segmente vir\u0161ija 100 proc., o tai rei\u0161kia, kad kiekviena parduota draudimo sutartis ne\u0161a nuostol\u012f.<\/p>\n

Priva\u010di\u0173 elektromobili\u0173 nuostolingumas siekia 105\u2013110 proc., pave\u017e\u0117jimo paslaugoms naudojam\u0173 \u2013 120\u2013130 proc., o elektrini\u0173 sunkve\u017eimi\u0173 \u2013 net 140\u2013150 proc. (kartais vir\u0161ija 200 proc.).<\/p>\n

\u012eprastomis rinkos s\u0105lygomis draudikai tiesiog vengt\u0173 nuostoling\u0173 sutar\u010di\u0173. Ta\u010diau Kinijoje tai padaryti draud\u017eiama.<\/p>\n

Valstybin\u0117 finans\u0173 reguliavimo administracija (NFRA) yra i\u0161leidusi privalomas gaires, \u012fpareigojan\u010dias draudikus \u201eproaktyviai\u201c si\u016blyti draudim\u0105 elektromobiliams, taip padedant \u0161aliai pasiekti u\u017esibr\u0117\u017etus klimato kaitos tikslus.<\/p>\n

Draudikai negali ir laisvai kelti kain\u0173. Nors \u012fmokos dydis priklauso nuo vadinamojo \u201eautonominio kainodaros koeficiento\u201c, reguliatorius yra nustat\u0119s \u0161io koeficiento lubas, kurios yra per \u017eemos, kad padengt\u0173 nuostolius.<\/p>\n

\u0160iuo metu NFRA si\u016blo reform\u0105, kuri leist\u0173 draudikams \u0161iek tiek laisviau nustatyti \u012fkainius \u2013 suma\u017einti grindis\u00a0ir pakelti lubas.<\/p>\n

Pramon\u0117s atstov\u0173 teigimu, tai leist\u0173 atpiginti draudim\u0105 atsargiems vairuotojams, bet \u017eenkliai pabrangint\u0173 j\u012f rizikingiems modeliams, tokiems kaip \u201eXpeng\u201c (d\u0117l didelio avaringumo) ar BYD (d\u0117l didelio naudojimo pave\u017e\u0117jimo paslaugose).<\/p>\n

Ta\u010diau ekspertai persp\u0117ja, kad net ir si\u016blomos reformos nepakaks. Jie ragina visi\u0161kai panaikinti kain\u0173 ribojim\u0105, kad draudikai nustot\u0173 dirbti nuostolingai, o vairuotojai nebeb\u016bt\u0173 atstumiami, bandydami atnaujinti savo polisus.<\/p>\n","protected":false},"excerpt":{"rendered":"Nors \u012fmokos u\u017e elektromobilius jau dabar yra gerokai didesn\u0117s nei u\u017e \u012fprastus automobilius, grie\u017eti valstybiniai reguliavimai neleid\u017eia draudikams…\n","protected":false},"author":2,"featured_media":37468,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[10181,81,57,43,55,48,54,51,49,50,37,39,36,38,40,45,23,44,53,42,56,47,41,46,58,52],"class_list":{"0":"post-37467","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-verslas","8":"tag-2025-11-11-110100","9":"tag-business","10":"tag-daiktai","11":"tag-dienos-kronika","12":"tag-gatves-tekstai","13":"tag-gyvenimas","14":"tag-interneto-pievos","15":"tag-keliones","16":"tag-kultura","17":"tag-laisvalaikis","18":"tag-lietuva","19":"tag-lietuviu","20":"tag-lithuania","21":"tag-lithuanian","22":"tag-lt","23":"tag-mokslas-ir-it","24":"tag-naujienos","25":"tag-pasaulis","26":"tag-projektai","27":"tag-rinktiniai-tekstai","28":"tag-simtmecio-portalas","29":"tag-sportas","30":"tag-tv3-lt","31":"tag-verslas","32":"tag-video","33":"tag-zaidimai"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lt\/115530325461665990","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/37467","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/comments?post=37467"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/37467\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media\/37468"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media?parent=37467"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/categories?post=37467"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/tags?post=37467"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}