"Three electric" fire spontaneous combustion can be compensated, the China Insurance Industry Association issued a new energy vehicle exclusive commercial insurance

Reporter | Hou Zhuojiao

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On December 14, the reporter learned from the China Insurance Industry Association that in order to help implement the goal of "carbon peaking and carbon neutrality" and support the development of the national new energy automobile industry, under the guidance of the Banking and Insurance Regulatory Commission, the China Insurance Industry Association officially announced the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)". The implementation of the Clause also means that new energy consumers can gradually purchase new exclusive commercial insurance.

The biggest innovation of the "Clauses" is to provide effective and targeted insurance protection for consumers of new energy vehicles. In terms of insurance liability, it not only provides protection for the "three electricity" system, but also comprehensively covers the use scenarios of new energy vehicles driving, parking, charging and operation.

And the "Clause" also clarifies that in addition to the expansion of the scope of main insurance protection, 6 additional insurances unique to new energy vehicles have also been added to the exclusive insurance of new energy vehicles, namely: additional external power 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.

Compared with the traditional car insurance clauses, the insurance liability of the "New Energy Vehicle Exclusive Commercial Insurance" is further enlarged, and it is more suitable for the characteristics of new energy vehicles, not only taking into account the spontaneous combustion risk of new energy vehicles, but also taking into account the damage risk of "three electricity" (that is, batteries, motors and electronic controls).

In this regard, the China Insurance Industry Association said that new energy vehicles to power batteries as energy storage devices, vehicle auxiliary equipment extended to charging facilities, in the process of vehicle use, in addition to the traditional traffic accident risks, power battery fire, deflagration caused by major accidents constitute a new risk factor, for these risks, the need for product innovation, in the insurance protection and insurance services to achieve upgrading.

Specifically, according to Article 6 of Chapter 1 of the Clauses " New Energy Vehicle Loss Insurance Liability " , during the insurance period , the insured or the insured new energy vehicle driver suffers direct losses due to natural disasters, accidents (including fire and combustion) caused by natural disasters, accidents (including fire and combustion) in the process of using the insured new energy vehicle, 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.

(1) body;

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

(3) All other equipment at the factory.

Use includes driving, parking, charging and operation.

In other words, new energy vehicles and core "three electricity" accidents (including spontaneous combustion) occur during driving, parking and charging, and can enjoy the compensation of commercial insurance.

According to Article 20 of the Third Party Liability Insurance Liability of New Energy Vehicles in Chapter II of the Articles, during the insurance period, if an accident (including fire and combustion) occurs in the process of using the insured new energy vehicle, resulting in a third party suffering personal injury or death or direct damage to property, 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 in accordance with the provisions of this insurance contract. Compensation is due to the portion that exceeds the limits of each sub-compensation of the compulsory insurance for motor vehicle traffic accident liability.

Moreover, in Article 21, it is clearly stated that the insurer bears the corresponding compensation liability according to the proportion of the 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, in the "Provisions", we also noted that the newly released document also clearly divides the scenarios, responsibilities, and guarantees for new energy vehicles.

First of all, in the insurance scenario, the "Clauses" combine the characteristics of charging and use of new energy vehicles, and publish the "Self-use Charging Pile Loss Insurance" and "Self-use Charging Pile Liability Insurance". It covers both the loss of the vehicle, the loss of auxiliary equipment such as charging piles, and the property loss and personal injury that may be caused by the equipment itself; and it focuses on solving the risks caused by auxiliary facilities in the application of new technologies.

Second, in terms of insurance liability. The "Articles" use a listed expression to highlight the structural characteristics of the "three electricity" system of new energy vehicles. Such as batteries and energy storage systems, motors and drive systems, etc., at the same time, the scope of protection is extended to vehicle-specific use scenarios, such as self-service charging, special vehicle engineering operations, etc., upgrading and optimizing the connotation and extension of traditional car insurance, and enhancing the applicability and pertinence of the terms.

Finally, in terms of insurance protection, combined with the risks in the charging process of new energy vehicles, the "Additional External Grid Fault Loss Insurance" is designed to cover vehicle losses caused by external power grid transmission and transformation failures, current and voltage abnormalities, etc., and to disperse risks through the insurance mechanism.

It is worth noting that at the beginning of the "Clauses", according to the new energy vehicle commercial insurance model clause rate switch time, all new insurance and renewed new energy vehicles, but excluding motorcycles, tractors, special vehicles, unified application of the "New Energy Vehicle Model Clauses (Trial)" underwriting, no longer applicable to the "China Insurance Industry Association Motor Vehicle Commercial Insurance Model Clauses (2020 Edition)".

Non-new energy vehicles cannot be insured by the Model Clauses for New Energy Vehicles (Trial).