On December 14, the China Insurance Industry Association officially released the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)", and the "three electricities" (batteries and energy storage systems, motors and drive systems, and other control systems) of the new energy vehicles that have attracted much attention are included in the scope of protection, covering the use scenarios of new energy vehicles driving, parking, charging and operation.
At the same time, the "Clauses" combine the characteristics of charging new energy vehicles to develop 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.
It is reported that this is the first time that car insurance has underwritten external fixed auxiliary equipment.
Compared with traditional car insurance, the insurance liability of "New Energy Vehicle Exclusive Commercial Insurance" is further enlarged, and it is more suitable for the characteristics of new energy vehicles, not only considering the spontaneous combustion risk of new energy vehicles, but also considering the damage risk of "three electricity" (that is, batteries, motors and electronic controls).
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.
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 addition to the expansion of the scope of main insurance protection, new energy vehicle insurance has also added 6 additional insurances specific to new energy vehicles, including: additional external 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.
The original text is attached below:
In recent years, China's new energy automobile industry has made rapid progress, which has also brought challenges to the insurance industry. Since new energy vehicles use power batteries as energy storage devices, vehicle auxiliary equipment is extended to charging facilities, in the process of vehicle use, in addition to the traditional traffic accident risk, there are also major accidents caused by power battery fire and deflagration that constitute new risk factors. For these risks, product innovation is needed to upgrade insurance protection and insurance services.
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.
It is understood that in order to ensure that the development process of the terms is scientific and rigorous, the Insurance Industry Association organizes major companies in the industry to set up working groups to combine government, industry, education and research to carry out product development work. In the course of more than 1 year, the working group visited dozens of major domestic new energy vehicle manufacturers, power battery manufacturers, national scientific research institutes, data monitoring platforms, etc., held more than 20 forums in different forms, invited nearly 100 representatives from all walks of life in society, and drafted and completed the "Provisions" on the basis of extensive research and repeated arguments.
In terms of insurance liability, the "Provisions" not only provide protection for the "three electricity" system, but also comprehensively cover 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 the 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.
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