The exclusive car insurance of new energy car owners is coming! Battery motor grid fire can be guaranteed

On December 14, the China Insurance Industry Association issued the Notice of Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (Trial Implementation) (hereinafter referred to as the "Clauses").

According to the notice, the "Clauses" include the "China Insurance Industry Association New Energy Vehicle Commercial Insurance Model Clauses (Trial)" and the "China Insurance Industry Association New Energy Vehicle Driver and Occupant Accident Insurance Model Clauses (Trial)".

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the "Model Clauses for Motor Vehicle Commercial Insurance of China Insurance Industry Association (2020 Edition)" are no longer applicable.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).

According to the "Model Clauses for New Energy Vehicles (Trial)", the main insurance of new energy vehicles includes three independent types of insurance, including new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance. The insured may choose to insure all types of insurance or some of them. The "Model Clauses for New Energy Vehicles (Trial)" also clarifies that the process of driving, parking, charging and operating of new energy vehicles is within the scope of the three main insurances of new energy vehicles.

New energy vehicle loss insurance protects the "three electricities" of new energy vehicles. According to reports, during the insurance period, the insured or the driver of the insured new energy vehicle in the process of using the insured new energy vehicle, due to natural disasters, accidents (including fire and combustion) caused direct losses to the following equipment of the insured new energy vehicle. The body, battery and energy storage system, motor and drive system, other control systems, and all other factory equipment are within the scope of protection.

During the insurance period, if the insured new energy vehicle is stolen, robbed or robbed, the public security criminal investigation department at or above the county level where the insurance occurred has filed a case to prove that the loss of the whole vehicle has not been ascertained for 60 days, as well as the direct loss caused by the damage caused by theft, robbery or robbery, and 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.

In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insured or the driver to prevent or reduce the losses of the insured new energy vehicle shall be borne by the insurer; the amount of rescue expenses shall be calculated separately in addition to the amount of compensation for the losses of the insured new energy vehicle, and the maximum amount shall not exceed the insured amount.

The insurance amount is determined according to the actual value of the new energy vehicle insured at the time of application.

The actual value of the insured new energy vehicle at the time of insurance shall be determined by the insured and the insurer according to the price after deducting the depreciation amount of the new car at the time of application or by negotiation with the fair value of the other market.

The depreciation amount may be determined in accordance with the reference depreciation factor table set out in this insurance contract.

Editor-in-charge: Tao Jiyan | Review: Li Zhen | Director: Wan Junwei