New energy car owners need to know! The "Exclusive Clauses for New Energy Vehicle Insurance (Trial)" includes "three electricity" in the scope of protection

Beijing, December 14 news reporter learned from the China Insurance Industry Association that in order to help implement the "carbon peak, carbon neutral" goal and support the development of the national new energy vehicle industry, under the guidance of the Banking and Insurance Regulatory Commission, the China Insurance Industry Association officially announced the "New Energy Vehicle Commercial Insurance Exclusive Clauses (Trial)" (hereinafter referred to as the "Clauses"). According to the "Provisions", the "three electricities" of new energy vehicles (batteries and energy storage systems, motors and drive systems, and other control systems) are included in the scope of protection, covering the use scenarios of new energy vehicles driving, parking, charging and operation.

(Screenshot of the official website of China Insurance Industry Association, issued by CCTV)

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 "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. 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.

The Clauses clearly stipulate that 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 direct losses to the following equipment of the insured new energy vehicle, and do 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.

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.