The exclusive insurance clause for new energy vehicles was released, and online ride-hailing cars did not have to worry about problems such as charging fires

On December 14, the "Exclusive Terms of Commercial Insurance for New Energy Vehicles (Trial)" was released, and new energy vehicles finally have their own exclusive car insurance. This is also a major benefit for the online ride-hailing industry in the important application scenarios of new energy vehicles, and the vehicle will be effectively guaranteed when it encounters unexpected situations such as spontaneous combustion and charging fire.

The exclusive clause gives the definition of the insured new energy vehicle, that is, wheeled vehicles, tracked vehicles and other means of transport that are driven within the territory of the People's Republic of China (excluding Hong Kong, Macao and Taiwan), adopt a new power system, rely entirely or mainly on new energy, and are used for passenger use by personnel or for transporting goods and carrying out special operations on the road, but excluding motorcycles, tractors and special vehicles.

According to the Insurance Association, according to the rate switching time of the model clauses of commercial insurance for new energy vehicles, all new energy vehicles that are newly insured and renewed are uniformly insured by the "Exclusive Clauses" and no longer apply to the "Model Clauses for Commercial Insurance of Motor Vehicles (2020 Edition)".

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 risk, power battery fire, deflagration caused by major accidents constitute a new risk factor.

The exclusive clause includes the "three electricities" of new energy vehicles (including batteries and energy storage systems, motors and drive systems, and other control systems), and clearly stipulates the use status of new energy vehicles, in addition to driving, including parking and charging status. In addition, in view of the risk of battery fire, it is also specially emphasized in the accident of insurance liability that contains fire combustion.

In addition, 13 additional insurances are set up in the exclusive clause, in addition to retaining the scratch insurance and absolute deductible rate in the fuel vehicle insurance, the external risk protection related to new energy vehicles is also added, including exclusive additional insurance such as external power grid and self-use charging piles, which is the first time that automobile insurance has covered fixed auxiliary equipment outside the vehicle.

Statistics from the China Association of Automobile Manufacturers show that from January to November this year, the production and sales of new energy vehicles continued to reach a new high, with a cumulative output of more than 3 million vehicles and sales of nearly 3 million vehicles. In November, the market penetration rate of new energy vehicles was 17.8%, which continued to be higher than that of the previous month, of which the market penetration rate of new energy passenger vehicles reached 19.5%.

At the same time, according to the "New Energy Vehicle Industry Development Plan (2021-2035)", it is proposed that by 2025, the sales of new energy vehicles will reach 20% of the total sales of new vehicles; by 2035, pure electric vehicles will become the mainstream of new cars.

As of now, Shenzhen, Chengdu, Kunming, Xi'an, Ningbo, Huizhou, Shenyang, Guangzhou, Foshan, Puyang, Nanchang, Taiyuan, Datong, Changzhi, Lvliang, Jincheng, Shuozhou, Yuncheng, Xinzhou, Jinzhong, Yangquan, Linfen, Zhengzhou, Luoyang and other cities have clarified the delisting time of fuel ride-hailing vehicles, or require new online ride-hailing vehicles to use new energy vehicles.