New energy vehicle exclusive commercial insurance is coming! There will be compensation for the "three electric" fires

【Smart Car Pie News】On December 14, the China Insurance Industry Association recently issued the notice of "China Insurance Industry Association New Energy Vehicle Commercial Insurance Exclusive Clauses (Trial)".

Electric vehicle

The direct loss of the following equipment of the insured new energy vehicle caused by natural disasters or accidents (including fire and combustion) does not fall within the scope of exemption from the insurer's liability, and the insurer is responsible for compensation in accordance with the provisions of this insurance contract. It is reported that the scope of exclusive commercial insurance for new energy vehicles includes:

1. Body;

2. Battery and energy storage system, motor and drive system, other control systems;

3. All other factory-time devices.

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, including: 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 new energy vehicle value-added service special clauses.