For new energy vehicle owners, insurance was previously a "big pit", out of the relationship between the three electric systems (battery electronic control motor), new energy vehicles have a lot of places that can be "ripped off". For example:
Due to the fire of the three-electric system, does this fall within the scope of spontaneous combustion insurance?
Accidents such as explosions during the charging process of the vehicle, causing damage to nearby vehicles, can third-party insurance be compensated?
Vehicle charging leakage caused by injury, third-party insurance still pays?
In order to solve these ambiguous and unclear responsibilities, the China Insurance Industry Association recently issued the Notice of the Exclusive Clauses of The China Insurance Industry Association for Commercial Insurance of New Energy Vehicles (Trial Implementation) (hereinafter referred to as the Clauses). Compared with traditional car insurance, the insurance liability has increased in a large range, and the regulations are more clear, so new energy car owners finally do not have to worry about it this time, and they are not afraid of the insurance company's "this does not pay, no compensation.".
As early as April this year, the Banking and Insurance Regulatory Commission said that it would combine the requirements of the "New Energy Vehicle Industry Development Plan (2021-2035)" and strive to launch an exclusive demonstration product for new energy vehicle insurance as soon as possible.
This is the growth of new energy vehicle sales today, the annual sales jumped from 75,000 in 2014 to 1.367 million in 2020, and because of the delay in the introduction of exclusive insurance, new energy vehicles are now the insurance clauses of fuel vehicles, such as three-electric systems, charging accessories, third-party dangers and other situations have not been entered.
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the "Model Clauses for Motor Vehicle Commercial Insurance of China Insurance Industry Association (2020 Edition)" are no longer applicable.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).
That is to say, today's new energy vehicles are newly bought or renewed, and the latest new energy vehicle exclusive insurance is adopted!
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.
Use includes driving, parking, charging and operation.
This time highlighted the fire and combustion, so the fire accident that occurred due to the battery, and the determination that the insurance included the three-electric system, this time it was determined that it could be compensated! In addition, the use process covers driving, parking, charging and operation, and the regulations are clearer.
In addition, in the (liability exemption) item, some of the new energy vehicles need to be noted, because the following are not compensated:
The insured new energy vehicle is transferred, modified, installed or changed in the nature of use, etc., resulting in a significant increase in the degree of danger of the insured new energy vehicle, and the insurer is not notified in a timely manner, and an insured accident occurs due to a significant increase in the degree of danger;
So illegal modification, no compensation!
Natural wear, battery attenuation, decay, corrosion, failure, inherent quality defects;
Battery life decreases, battery life decreases, etc... Also no loss!
Loss of insured new energy vehicles due to external grid failures during charging.
For example, external power grid reasons such as voltage fluctuations and excessive voltage are not compensated! (Ps: Considering the strength of the national grid, this is unlikely)
Third Party Liability Insurance
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.
Similarly, the effective time of the insurance includes driving, parking, charging and operation, and the protection is more comprehensive and accurate. In addition, as with car damage insurance, if the modification causes the degree of danger to increase and the risk occurs, the insurance will not pay!
Six new energy vehicle additional insurances have also been added to the Clauses (new energy vehicle loss insurance must be insured and cannot be purchased separately), including:
Additional external grid failure loss insurance
During the insurance period, the insured new energy vehicle insured with this additional insurance is responsible for compensation in accordance with the provisions of this insurance contract due to the direct loss of the insured new energy vehicle due to the failure of the external power grid during the charging period, and does not fall within the scope of exemption from the insurer's liability.
Therefore, the direct loss caused by the failure of the external power grid can be compensated! But to take it out alone as an additional risk is also too unreal...
Additional self-use charging pile loss insurance
During the insurance period, if the address is specified in the insurance policy, the insured's self-use charging pile that meets the technical conditions and installation standards of the charging equipment, and the loss of the charging pile itself caused by natural disasters, accidents, theft or damage by others, the insurer calculates the compensation according to the actual loss within the insurance amount of the additional insurance specified in the insurance policy.
This time note, the part is only to underwrite the charging pile, considering the third-party charging pile equipment less than 3,000 costs, buy buy Jun is not recommended for everyone to buy.
Additional liability insurance for self-use charging piles,
During the insurance period, if the insurance policy indicates the address, and the insured's self-use charging pile that meets the technical conditions and installation standards of the charging equipment causes personal injury or property damage to a third party, the insurer shall be responsible for compensation for the damages that should be borne by the insured according to law.
Here is more like a self-use charging pile suitable for the third party insurance, which I believe everyone understands, more protection, so it is recommended that the insurance must be bought!
In addition, there are additional insurances such as additional intelligent auxiliary driving software loss compensation insurance, additional fire accident limit doubling insurance, additional new energy vehicle value-added service special clauses, etc., involving a larger range, in general, we choose to attach additional self-use charging pile liability insurance is enough, the rest of the on-demand purchase.
This newly released clause is a good solution to the situation that the insurance part is not applicable to new energy vehicles, so that car owners can buy new energy vehicles more assuredly, and in some unexpected cases, try to reduce the losses of car owners, and also promote the development of the new energy vehicle market to a certain extent.