The China Insurance Industry Association held a press conference today to officially release the "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial)".
In recent years, the technological progress of China's automobile industry is changing with each passing day, and the new energy automobile industry is advancing by leaps and bounds. New technologies bring new challenges, new energy vehicles to power batteries as energy storage devices, vehicle auxiliary equipment extended to charging facilities, in the process of vehicle use, in addition to the traditional traffic accident risk, power battery fire, deflagration caused by major accidents constitute new risk factors, for these risks, the need for product innovation, in the insurance protection and insurance services to achieve upgrading. 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.
In order to give full play to the insurance protection function, serve the national strategic goal of "carbon peaking and carbon neutrality", and support the development of the national new energy automobile industry, under the guidance of the Banking and Insurance Regulatory Commission, the China Insurance Industry Association conscientiously implements the "Guiding Opinions on the Implementation of comprehensive reform of automobile insurance" and develops and completes the industry's "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial)".
The relevant person in charge of the China Insurance Industry Association said that the "Provisions" provide more effective and targeted insurance protection for consumers of new energy vehicles. In terms of insurance liability, it 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. 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 a 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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