Millions of new energy car owners across the country have finally ushered in tailor-made car insurance. On December 14, the China Insurance Industry Association issued the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)", and risks such as batteries, spontaneous combustion, and charging that have attracted much attention are included in the insurance coverage.
Announcement of "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial Implementation)" / Official website of China Insurance Industry Association
The newly released "Exclusive Clause" makes it clear that new energy vehicles include pure electric, plug-in hybrid, range extender and fuel cell vehicles. At present, new energy vehicles and fuel vehicles use the same car insurance terms, and batteries that account for half of the cost of the vehicle are not in the guarantee liability. Guo Jinlong, director of the Insurance and Economic Development Research Center of the Chinese Academy of Social Sciences, introduced:
Guo Jinlong: Once the battery is lost, the loss it brings to the new energy vehicle is relatively large, and the battery also has a problem of service life, which is easy to produce insufficient protection or ridiculous things.
New energy vehicle power battery / from the network
The exclusive clause highlights the characteristics of customization, and clearly includes the "three electricity" systems of battery, motor and electronic control into the scope of protection of vehicle damage insurance. The risk of spontaneous combustion of vehicles that has attracted much social attention has also been fully protected, Shen Hua, vice president of China Property and Casualty Insurance, introduced:
Shen Hua: The liability limit of the three insurances can reach up to 10 million, and consumers can also choose to double the limit of statutory holidays to further resolve the social contradictions caused by spontaneous combustion.
Spontaneous combustion of new energy vehicles / from the network
The clause also extends the scope of protection to all types of use scenarios of the vehicle, including driving, parking, charging and operation. Mao Zhiwen, marketing director of PICC Property & Casualty Insurance, introduced that there are also multiple guarantees in charging.
Mao Sending Text: First, due to natural disasters, accidents, theft or damage caused by others, the charging pile itself is damaged, and compensation is calculated according to the actual loss. Second, if the self-use charging pile causes personal injury or property damage to a third party, the insurer is responsible for compensation. Third, the direct loss of new energy vehicles due to external power grid failures is also responsible for compensation.
Community orderly charging pile/reporter shooting
In terms of price, the premiums of small and medium-sized new energy vehicles have only dropped and not risen. Today's car insurance partner Pang Bo introduced:
Pombo: For models under 250,000, the pure risk rate is only reduced and not increased. New energy models of more than 250,000 are raised step by step, and in principle, they do not exceed 3%. Pricing may vary from insurance company to insurance company. Customers as a whole will see about 50% of the premium will be reduced, about 30% flat, 20% up.
This year, the number of new energy vehicles in the country is expected to reach 8 million, and it will exceed 30 million in 2025. According to the rate switching time of the model clause of commercial insurance for new energy vehicles, all new energy vehicles with new insurance and renewal will be uniformly insured under the New Clauses.
Source: Beijing Traffic Radio