On December 14, the China Insurance Industry Association issued the Exclusive Clauses of The China Insurance Industry Association for Commercial Insurance of New Energy Vehicles (Trial) (hereinafter referred to as the Model Clauses for New Energy Vehicles (Trial).
The Model Clauses for New Energy Vehicles (Trial Implementation) include the Model Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (for Trial Implementation) and the Model Clauses for Accident Injury Insurance for Drivers and Occupants of New Energy Vehicles of the China Insurance Industry Association (for Trial Implementation).
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the "Model Clauses for Motor Vehicle Commercial Insurance of China Insurance Industry Association (2020 Edition)" are no longer applicable.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.
The Model Clauses for New Energy Vehicles (Trial Implementation) point out 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 by the direct loss of the insured new energy vehicle body, battery and energy storage system and motor and drive system, as well as other control systems and all other equipment at the factory, 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. However, the clause also states that the insurance company is not responsible for compensation in the case of "natural wear and tear, battery attenuation, decay, corrosion, failure, and defects in its own quality".
The full text of the Model Clauses for New Energy Vehicles (Trial Implementation).
It can be viewed in the Caicube APP
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![The China Insurance Industry Association officially released the exclusive clause for new energy vehicle insurance[fig]](data:image/gif;base64,R0lGODlhAQABAIAAAP///wAAACwAAAAAAQABAAACAkQBADs=)