New Energy Exclusive Commercial Insurance Three Electric Fire/Damage can be compensated

Recently, the China Insurance Industry Association issued the notice of "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of China Insurance Industry Association (Trial)". Compared with the traditional car insurance clauses, the insurance liability of the "New Energy Vehicle Exclusive Commercial Insurance" is greatly expanded, and it is more suitable for the characteristics of new energy vehicles, not only taking into account the risk of spontaneous combustion of new energy vehicles, but also taking into account the damage risk of "three electricity" (that is, batteries, motors and electronic controls).

Quickly learn what the "new insurance" is all about in 58 seconds?

1. The exclusive commercial insurance of new energy vehicles, compared with the same insurance of new energy vehicles and traditional fuel vehicles, is difficult to get compensation after some problems in new energy vehicles. In the future, after the fire due to the problem of three electrics, it will be compensated to reduce the loss of the owner.

2. Even if the natural damage of the three electric components can be compensated accordingly, reducing the cost of the car.

3. It is expected that the exclusive commercial insurance of new energy vehicles will be more expensive than the annual premium of traditional fuel vehicle commercial insurance, but combined with the current increasing number of new energy vehicles sold, it is recommended that new energy vehicle owners buy it.

According to the rate switching time of the new energy vehicle commercial insurance model clauses, all new insurance and renewed new energy vehicles, but excluding motorcycles, tractors and special vehicles, are uniformly insured by the "New Energy Vehicle Model Clauses (Trial)", and the "Model Clauses for Motor Vehicle Commercial Insurance of China Insurance Industry Association (2020 Edition)" are no longer applicable. Non-new energy vehicles cannot be insured by the Model Clauses for New Energy Vehicles (Trial).

New energy vehicle loss insurance insurance liability

It is understood that during the insurance period, the insured or the insured new energy vehicle driver (hereinafter referred to as the "driver") in the process of using the insured new energy vehicle, due to natural disasters, accidents (including fire and combustion) caused by the direct loss of the insured new energy vehicle equipment, and does not fall within the scope of exemption from the insurer's liability, the insurer is responsible for compensation in accordance with the provisions of this insurance contract.

(1) body;

(2) Batteries and energy storage systems, motors and drive systems, and other control systems;

(3) All other equipment at the factory.

Third-party liability insurance liability for new energy vehicles

During the insurance period, if the insured or its permitted drivers have an accident (including fire and combustion) in the process of using the insured new energy vehicle, resulting in personal injury or death or direct damage to the property of the third party, the third party shall be liable for damages according to law, and it does not fall within the scope of exemption from the insurer's liability, and the insurer shall be responsible for compensation for the part exceeding the sub-compensation limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of this insurance contract.

Use includes driving, parking, charging and operation.

The insurer shall bear the corresponding compensation liability according to the proportion of accident liability borne by the insured new energy vehicle party in the accident.

If the insured or the party to the insured new energy vehicle chooses to negotiate or have the traffic management department of the public security organ handle the accident in accordance with relevant laws and regulations, but the proportion of accident liability is not determined, the proportion of accident liability is determined in accordance with the following provisions:

If the insured new energy vehicle party bears the main accident liability, the accident liability ratio is 70%;

If the insured new energy vehicle party bears the same accident liability, the accident liability ratio is 50%;

If the insured new energy vehicle party bears secondary accident liability, the accident liability ratio is 30%.

Where judicial or arbitral proceedings are involved, the legal documents finally entered into force by the courts or arbitral institutions shall prevail.

In addition to the expansion of the scope of main insurance protection, new energy vehicle insurance has also added 6 additional insurances specific to new energy vehicles. The six additional insurances include: additional external grid fault loss insurance, additional self-use charging pile loss insurance, additional self-use charging pile liability insurance, additional intelligent auxiliary driving software loss compensation insurance, additional fire accident limit doubling insurance, and additional special clauses for value-added services for new energy vehicles.

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