New energy car owners ushered in good news. On the basis of extensive research and repeated argumentation, the China Insurance Industry Association drafted and completed the "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial)", which was released to the public on December 14.
According to reports, in the process of using new energy vehicles, in addition to the traditional traffic accident risk, the power battery fire, deflagration caused by major accidents constitute a new risk factor, for these risks, the need for product innovation, in the insurance protection and insurance services to achieve upgrading.
Specifically, in terms of insurance liability, the clause 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.
Combined with the characteristics of charging new energy vehicles, the clause covers the loss of the vehicle, but also includes the loss of auxiliary equipment such as charging piles and the property loss and personal injury that may be caused by the equipment itself; combined with the risks in the charging process of new energy vehicles, covers the loss of vehicles caused by external power grid transmission and transformation failures, current and voltage abnormalities, etc.
The relevant person in charge of the China Insurance Industry Association said that it will actively organize the insurance industry to strengthen the technology and data integration with the new energy automobile industry chain and value chain, and continuously innovate and optimize products and services. (Reporter Tan Moxiao)
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