Rebirth 99 to become a car giant.

"What hot news has emerged on the Internet?"

Cao Yang looked at Mi Ying very calmly.

There are so many companies in the Nanshan Group, and each of them has a great influence. Almost every day, some companies will be on the hot search list.

Most of the time, things are good. Even if they are bad, Cao Yang is not particularly worried.

Given the size of the Nanshan system, there is nothing bad that cannot be solved as long as we don't make mistakes in principle.

"A Yangcheng Aion car owner revealed that his electric car was rejected by several insurance companies."

"After this topic became popular, many other electric car owners also reported that their electric cars were denied insurance or their premiums increased significantly."

"This situation is likely to have a certain impact on the sales of electric vehicles."

After Mi Ying said this, Lin Cheng understood why she spoke like that before he left.

It turns out that this matter is really related to me.

If the sales of electric vehicles are affected, then Nanshan Battery's performance will definitely be affected.

This issue really needs to be taken seriously.

Once the entire insurance industry spreads and refuses to insure electric vehicles, or arbitrarily increases the premiums for electric vehicles, it will be very detrimental to the development of electric vehicles.

“Did the insurance company explain why it refused the insurance?”

When Cao Yang heard Mi Ying talk about the refusal of bail, he immediately thought of many similar situations that had occurred in later generations.

After all, the situation of electric vehicles is quite special. Once the battery is damaged, the repair cost is very high.

As the years of use increase, the risk of accidents also increases a lot.

I guess most insurance companies don’t make money from electric vehicles.

It is not particularly strange for someone to refuse insurance at this time.

"The other party didn't give any explanation, but it's nothing more than that they felt the risk of insurance was too high, so they refused to insure it."

After Mi Ying finished speaking, Lin Cheng next to her continued, "Most of Yangcheng Aion's electric vehicles are bought by people to run online ride-hailing services, and they travel a lot of mileage every year."

"In this case, the proportion of car accidents is also relatively high, and once a car accident occurs, the amount of compensation is also very high."

"Almost all electric vehicles used for online ride-hailing services have accidents every year. Insurance companies must be overwhelmed by the compensation, so they refuse to pay."

As the general manager of the largest battery manufacturer in the country, Lin Cheng pays close attention to the electric vehicle industry.

The news that Mi Ying just mentioned actually did have some signs.

Some insurance companies have previously leaked some information to the public, saying that they will adjust the premiums based on the type of vehicle.

And the premiums for car insurance have always been going up.

This situation is indeed a bit complicated.

"Mi Ying, ask Zeng Tingting if Future Cars has encountered similar situations?"

Although it is Yangcheng Aion that is in the news now, the first thing Cao Yang thought of was future cars.

Although no one will buy a car to use for ride-hailing in the future, the situation is somewhat similar when it comes to electric vehicles facing insurance difficulties.

Soon, Zeng Tingting came directly to Cao Yang's office.

"Mr. Cao, I just saw the news. In fact, this situation exists more or less in electric vehicles."

"Many insurance companies have already adjusted their premium rules specifically for electric vehicles."

"For example, for a car worth 20 yuan, with the same insurance items, the insurance premium for a fuel car may be only 5000 yuan, but the premium for an electric car is 6000 yuan or even 7000 yuan."

"In extreme cases, they won't even give you a quote and will simply refuse you insurance."

"Especially on the Internet platform, similar situations should be uncommon."

Zeng Tingting is very smart. Mi Ying simply called her and told her what Cao Yang's focus was.

"Do you think it would be effective if the Automobile Industry Association communicated with the Insurance Association on this matter?"

This problem must be solved.

As the leading automobile company, Nanshan Automobile Group must step forward and think of solutions at this time.

Otherwise, it will definitely affect your prestige.

"It may be a little difficult. Insurance companies will refuse to insure electric vehicles. From their point of view, they may think they are justified."

"Because the risks of electric vehicles are relatively high, the insurance company's premium of several thousand yuan may not be enough to pay the compensation easily."

"I think it would be possible for all car companies to unite and set up their own insurance company to insure electric vehicles?"

Zeng Tingting made a unique suggestion.

If others don’t insure electric vehicles, then set up your own insurance company.

Ordinary companies cannot do this, but if Nanshan Automobile Group wants to do it, it can definitely do it.

The major domestic automobile companies also have the capabilities in this regard.

"In theory, it would be best for all car companies to join together to form an insurance company, but in reality this may not be feasible."

"After all, different car companies have different positions and produce different models."

"For example, the electric vehicles produced by Yangcheng Aion are mainly used in the online car-hailing market, while those produced by Changan Automobile are mainly for home use."

"Our future cars will be high-end, and each situation will be different, with different insurance needs and compensation risks."

"How to formulate insurance standards at that time will be a headache."

"So it would be best if Nanshan Automobile Group and Yangcheng Bank cooperated to set up an insurance company of their own, which could meet the needs of Nanshan Automobile Group and also accept insurance business from outside."

Lin Cheng put forward his own views based on his understanding of the electric vehicle industry.

Objectively speaking, his point of view is very reasonable.

Cao Yang was naturally very clear about this as well.

Of course, to set up an insurance company, you can't just register it casually.

Matters involving the financial industry are often more complicated, and there are many regulatory policies.

Cao Yang handed this matter over to Zeng Tingting.

Just after the meeting, Zhang Jiaqi from Yangcheng Automobile Group called Cao Yang.

"Mr. Cao, now all insurance companies are not very friendly to our new energy vehicles. Does your Nanshan Automobile Group have any ideas?"

The batteries used in Yangcheng Aion are all produced by Nanshan Battery.

Now that they have encountered the problem of insurance refusal, Zhang Jiaqi naturally wants to communicate with Cao Yang to see what Cao Yang thinks.

After all, Nanshan Automobile Group is a giant in China's automobile industry, and we can just follow their pace in many things.

"I was just discussing this topic with Zeng Tingting. Nanshan Automobile Group is planning to set up an insurance company with Yangcheng Bank. From now on, all types of cars produced by Nanshan Automobile Group can be insured by this insurance company. Not only will the cost not increase, but it will also decrease."

This matter will get out sooner or later, and there is nothing shameful about it.

So since Zhang Jiaqi called, Cao Yang just said it directly.

"Set up your own insurance company?"

“This is truly a permanent solution to the problem.”

"We already had an insurance company in Yangcheng Automobile Group, but the business was relatively small. Taking this opportunity to expand the auto insurance business seems to be a good choice."

Zhang Jiaqi felt relieved after hearing what Cao Yang said.

The solution chosen by Nanshan Automobile Group is similar to what I thought, which means that my choice is correct.

"There will definitely be more and more problems with electric vehicle insurance in the future."

"It's a good idea for us to solve the problem at the source while it's just starting to happen."

Cao Yang had a brief conversation with Zhang Jiaqi and they reached a consensus.

Afterwards, Changan Automobile and BYD also called to discuss similar topics, and everyone began to adopt similar plans to deal with it.

Soon, various automobile companies officially announced the establishment of their own insurance companies to ensure that all car owners could find insurance companies to purchase insurance.

The topic of electric vehicle insurance refusal, which had just become a hot topic, quickly cooled down.

The sales of electric vehicles have not been affected by this incident.

Even throughout October, sales of electric vehicles continued to rise.

When the sales data for October came out, everyone found that the penetration rate of China's new energy vehicles had unknowingly reached 10%.

Don't underestimate this data. Considering the total automobile sales in China, this means that the annual sales of new energy vehicles have reached more than two million.

Many countries don’t even sell that many cars in a year.

This change has caused a lot of anxiety among some international auto giants.

"President, the development of new energy vehicles in China is in full swing, and our layout in this area seems to be a bit behind."

Tetsuaki Kobayashi came to Akio Toyoda's office with a document, his face full of worry.

Toyota's global situation this year has not been particularly ideal.

In the United States, General Motors, Ford and Chrysler are still continuing to suppress Toyota and other Japanese and Korean automakers. Toyota's sales have never fully recovered to normal levels.

Not to mention in China, Toyota's sales have not improved.

In other markets around the world, Toyota is also facing competition from China's own-brand automakers.

The pressure that Chinese independent brand car companies have brought to Toyota as they have begun to expand overseas on a large scale cannot be ignored.

"Electric vehicles are not a very suitable choice for us in Japan. Whether it is Toyota, Honda, Nissan or Mazda, everyone knows this."

"FHEV models are sufficient. If we want to develop further, we should develop fuel cell vehicles."

This is not the first time that Akio Toyoda has raised this point of view.

Within Toyota, this voice is very popular.

Even though the development of new energy vehicles in China is completely different from what they imagined, it is very difficult to completely change their minds.

"But now BMW, Volkswagen and General Motors are increasing their R&D and investment in electric vehicles. If we fall behind, it will be difficult for us to catch up in the future."

Although Kobayashi Tetsumin could understand what Akio Toyoda said, he felt that it should still be considered in light of actual market changes.

You can't just not do it because you feel it's inappropriate.

"We have R&D institutions in the United States and China. We can consider developing some special electric vehicles for these two markets, but I don't think it is necessary to launch electric vehicles in Japan."

Akio Toyoda is not someone who is easily persuaded.

From a global perspective, electric vehicles do not have a big market in every place.

At least that's what he thought.

"If we develop it this way, our development costs will be higher."

"In the past, our car models were developed globally, so the amortization amount was very large. The amortization cost for each car was relatively low."

"But if China develops its own electric cars in the future, and America does the same, then the amortized development costs will increase dozens of times."

Kobayashi Tetsuaki expressed his concerns.

But Akio Toyoda can't care so much.

The boss's attitude was so firm that Kobayashi Tetsumin had no choice but to compromise.

But he is also a very smart man. Within two weeks, he came to China in person and held a press conference together with Chuncheng Toyota and Yangcheng Toyota.

At this press conference, Tetsuaki Kobayashi, as Toyota Motor Vice President, officially announced that the company will increase its investment in the Chinese market.

In the next three years, we will launch no less than 10 new energy vehicles in China and increase our R&D investment in China.

These new energy vehicles will be locally developed by research and development institutions in China.

Anyway, after the artistic processing by Tetsumin Kobayashi, the image presented gives people the impression that Toyota Motors attaches great importance to the Chinese market and Chinese consumers.

As a global automotive giant, Toyota set the precedent, and other automakers naturally did not want to lag behind.

Volkswagen soon took action.

"Fondel, does the headquarters really agree to have all electric vehicles developed at the Huaxia branch?"

Strauss looked at Vondel in surprise. This information had a great impact on him.

Volkswagen has actually always been relatively conservative, but now it is willing to delegate power.

"Yes, our new generation of electric vehicles has been confirmed to be called the ID series, and they will all be developed in China."

"Some models will even be produced in China and exported to overseas for sale."

"After all, the cost of electricity, electricity and power systems in China is the lowest in the world, and it is difficult for other places to match it."

Vondel gave his answer very affirmatively.

He also made considerable efforts to achieve this result.

Otherwise, the headquarters will not agree easily.

Even though it is only developed in China, it means an important adjustment for some of Volkswagen's decisions.

"That's true. The pattern of the automobile market has changed a lot now. Researching and producing electric vehicles in China is the most advantageous solution to reduce costs."

Strauss naturally agreed with this view.

After all, he has been in China for so many years, and he can clearly see how the market changes.