Today (December 14), under the guidance of the China Banking and Insurance Regulatory Commission, the China Insurance Industry Association (hereinafter referred to as the "Insurance Industry Association") developed and completed the industry's "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial)" (hereinafter referred to as the "Clauses").
New energy vehicles in the "Clauses" refer to vehicles that use new power systems and are driven entirely or mainly by new energy sources, including plug-in hybrid (including range extender) vehicles, pure electric vehicles and fuel cell vehicles.
The relevant person in charge of the China Insurance Association pointed out that the technological progress of China's automobile industry is changing with each passing day, and the new energy automobile industry is advancing by leaps and bounds. New technologies bring new challenges, 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 risk, power battery fire, deflagration caused by major accidents constitute new risk factors, for these risks, the need for product innovation, in the insurance protection and insurance services to achieve upgrading. Therefore, how to scientifically design insurance products under the condition of continuous iterative updating of technology and less accumulation of insurance experience data has become a topic that must be solved in the development process of new energy vehicle products. The newly released "Provisions" will provide more 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. In the development of terms, it not only considers the current mainstream technology route, but also leaves room for innovation in the new format of the new energy automobile industry.
The first is a diversified insurance scenario. Combined with the characteristics of charging new energy vehicles, the "Clause" develops the "Self-use Charging Pile Loss Insurance" and "Self-use Charging Pile Liability Insurance", which not only covers the loss of the vehicle, but also includes the loss of auxiliary equipment such as charging piles and the property losses and personal injuries that may be caused by the equipment itself; and concentrates on solving the risks caused by auxiliary facilities in the application of new technologies. This is the first time that auto insurance has underwritten external fixed auxiliary equipment, which is an innovation and exploration in the field of auto insurance.
The second is customized 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., the text content is clear at a glance, which is convenient for consumers to read and understand. 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.
The third is humanized 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 faults, current and voltage abnormalities, etc., and to disperse risks through the insurance mechanism.
In the next step, under the guidance of the China Banking and Insurance Regulatory Commission, the Insurance Association will actively organize industry entities, adhere to meeting the needs of the masses as the starting point, continue to strengthen source innovation and collaborative innovation, take scientific and technological empowerment as the way, continuously accelerate the integration of technology and data with the new energy automobile industry chain and value chain, continuously innovate and optimize products and services, actively fulfill social responsibilities, practice the insurance industry, and give full play to the role of insurance to assist social governance and serve the economic and social functions. Continuously meet the growing demand for insurance protection of the people.
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"Three electricity", spontaneous combustion accidents, etc. are included in the scope of protection
The Clause clarifies the insurance liability for the loss of new energy vehicles, 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. One is the body; the other is the battery and energy storage system, the motor and drive system, and other control systems; and the third is all other factory equipment. Use includes driving, parking, charging and operation.
It is clear that the whereabouts of "theft rescue" have not been identified for 60 days and compensation shall be paid as agreed
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.
The "three insurances" such as fire accidents in new energy vehicles are clearly compensated
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.
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 insured new energy vehicle party chooses to negotiate or have the traffic management department of the public security organ handle the accident according to relevant laws and regulations, but the accident liability ratio is not determined, the accident liability ratio 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 the 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.
Text/Beiqing-Beijing headline reporter Lin Lishuang
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