New energy vehicle commercial insurance exclusive clause released to protect "three electricity" and compensate "combustion"

China Economic Network, December 15 (Reporter Zhang Yi) Yesterday, the China Insurance Industry Association issued the "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial)" (hereinafter referred to as the "Clauses"). 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 main insurance of the "Clause" 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, and the insured can choose to insure all insurance types or some of them. Additional insurance cannot be insured independently.

The "Articles" make it clear that the insured new energy vehicles refer to wheeled vehicles, tracked vehicles and other means of transport that use new power systems, are driven entirely or mainly by new energy, and are used for passenger use by personnel or for transporting goods and carrying out special operations on the road, but do not include motorcycles, tractors and special vehicles.

China Insurance Industry Association pointed out that new technologies bring new challenges, new energy vehicles with 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 risks, 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, the "Clauses" combine the characteristics of charging and use of new energy vehicles, and 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 other auxiliary equipment itself, as well as property losses and personal injuries that may be caused by the equipment itself; Focus on solving the risks arising from 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.

Article 6 of the New Energy Vehicle Loss Insurance points 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 following equipment of the insured new energy vehicle, 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.

(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 addition, 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 grid transmission and transformation faults, current and voltage abnormalities, etc., and to disperse risks through the insurance mechanism.

It is worth mentioning that according to the rate switching time of the new energy vehicle commercial insurance model clauses, all new insurance and renewed new energy vehicles, excluding motorcycles, tractors and special vehicles, are uniformly insured by the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)", and the "Model Clauses for Motor Vehicle Commercial Insurance of China Insurance Industry Association (2020 Edition)" are no longer applicable.