How to get scratch insurance? Analysis of hot topics across the Internet and insurance guide
Recently, "scratch insurance" has become a hot topic among car owners and the insurance industry. Especially against the background of the rapid popularity of new energy vehicles, the problem of car body scratches has attracted more attention. This article will combine the hot data from the entire network in the past 10 days to provide you with a detailed analysis of the insurance application process, precautions and market dynamics of scratch insurance.
1. Overview of recent hot topic data
| Topic keywords | search volume growth rate | Main discussion platform |
|---|---|---|
| New energy vehicle scratch insurance | +68% | Autohome/Understanding Car Emperor |
| Scratch insurance procedure | +45% | Zhihu/Baidu know |
| 4S store scratch repair quotation | +52% | Xiaohongshu/Douyin |
| Scratch insurance denial case | +39% | Weibo/Car Friends Forum |
2. Analysis of the whole process of scratch insurance
1.Insurance channel selection
The current mainstream insurance methods include: insurance company official website/APP (accounting for 42%), 4S store purchasing agent (31%), and third-party platform (27%). A comparison found that the average discount for online insurance is 15%.
| Channel type | average premium | Claims response time |
|---|---|---|
| Insurance company direct sales | 800-1500 yuan | Within 24 hours |
| 4S store bundled sales | 1200-2000 yuan | more than 48 hours |
| Third party platform | 700-1300 yuan | Within 36 hours |
2.Key steps in claims settlement
Recent big data shows that you need to pay attention to the following for successful claims settlement:
- On-site photography must include panorama + close-up (accounting for 92% of valid cases)
- The success rate of reporting crimes within 48 hours increased by 37%
- Bicycle accidents require proof from the public security agency
3. Answers to hot controversial issues
1.“Are small scratches worth the risk?”
According to the latest maintenance quotation data:
- Single-sided paint repair: average price at 4S store is 600-1,200 yuan
- Quick repair shop price: 300-800 yuan
It is recommended to refer to the deductible (usually 500 yuan) to decide whether to be insured.
2."Special Terms for New Energy Vehicles"
Recent hot cases show:
- Most claims will not be settled if the battery pack is scratched (83% claim rejection rate)
- The sensor area needs to be insured separately (additional fee is about 20%)
4. New changes in the scratch insurance market in 2023
| Innovative services | Covering cities | User satisfaction |
|---|---|---|
| AI loss assessment | 15 cities including Beijing, Shanghai, Guangzhou and Shenzhen | 89% |
| Worry-free repair package | Major provincial capitals across the country | 76% |
| Scratch insurance + beauty service | New first-tier cities | 82% |
5. Expert advice
1. Give priority to products with “no deductible” clauses
2. Pay attention to the annual claim limit (usually 3-5 times)
3. Keeping complete maintenance records can reduce the premium increase in the following year.
4. Special car paint (such as pearlescent paint) must be declared in advance
According to the latest data from the Insurance Association of China, the scratch insurance accident rate in Q2 2023 increased by 12% year-on-year, of which new energy vehicles accounted for 41%. It is recommended that car owners reasonably configure protection plans based on the actual car use environment (such as old communities, high-risk areas around schools, etc.).
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