"Spontaneous combustion" can be guaranteed! The exclusive terms of new energy vehicle insurance are coming, and it is expected to be officially launched at the end of the month

Zhongxin Jingwei, December 15 (Wei Wei) The long-awaited exclusive insurance of new energy owners has finally arrived. On December 14, the China Insurance Industry Association published the "Exclusive Clauses of The China Insurance Industry Association for Commercial Insurance of New Energy Vehicles (Trial)" (hereinafter referred to as the "Exclusive Clauses") on its website.

What are the differences between exclusive clauses and traditional motor vehicle commercial insurance? According to the China Insurance Association, 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 past, the "spontaneous combustion" problem that car owners worried about was also clearly stipulated in the new exclusive clause.

In addition, Zhongxin Jingwei learned from a number of insurance companies that many insurance companies have completed various system preparations and are expected to officially launch exclusive terms for new energy vehicle insurance at the end of this month after acceptance is passed.

"Spontaneous combustion" can be insured "three electricity" into the car damage insurance

When it comes to new energy vehicles, many people will think of spontaneous combustion accidents in vehicles. The China Insurance Association pointed out that 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 new risk factors, for these risks, need to carry out product innovation, in the insurance protection and insurance services to achieve upgrading.

According to the review of Zhongxin Jingwei, the "Model Clauses for Commercial Insurance of New Energy Vehicles of the China Insurance Industry Association (Trial Implementation)" (hereinafter referred to as the "Model Clauses") includes three main insurances and 13 additional insurances.

The main insurance includes new energy vehicle loss insurance (hereinafter referred to as vehicle damage insurance), new energy vehicle third-party liability insurance (hereinafter referred to as the three insurance), new energy vehicle vehicle personnel liability insurance (hereinafter referred to as personnel insurance) a total of three independent types of insurance, the insured can choose to insure all types of insurance, you can also choose to insure some of the insurance types.

In the model clause, the insurance liability of the automobile damage insurance stipulates that during the insurance period, the insured or the driver of the insured new energy vehicle shall be responsible for the direct loss of the insured new energy vehicle body and other equipment caused by natural disasters, accidents (including fire and combustion) in the process of using the insured new energy vehicle, and does not fall within the scope of exemption from the insurer's liability, and the insurer is responsible for compensation in accordance with the provisions of this insurance contract.

It is understood that batteries and energy storage systems, motors and drive systems, and other control systems are commonly known as "three electricity". In the past, although the vehicle spontaneous combustion protection has been included in the scope of vehicle damage insurance liability, accessories such as batteries are not included in the scope of protection. In the model clause, in addition to the body, the "three electrics" and all other equipment at the factory are included in the scope of protection.

In addition, the insurance liability of the three insurance stipulates that during the insurance period, the insured or its permitted driver has an accident (including fire and combustion) in the process of using the insured new energy vehicle, causing the third party to suffer personal injury or death or direct damage to the property, and the damage liability that should be borne by the third party according to law is not within the scope of exemption from the insurer's liability, and the insurer is responsible for compensation for the part exceeding the sub-compensation limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of this insurance contract.

Personnel insurance liability stipulates that during the insurance period, the insured or its permitted driver in the process of using the insured new energy vehicle accident (including fire and combustion), resulting in personal injury or death of the persons on the car, and does not fall within the scope of exemption from the insurer's liability, the insurer shall be responsible for compensation for the damages that the personnel on the vehicle shall bear in accordance with the provisions of this insurance contract.

It is not difficult to find that among the three main insurances, fire and combustion are included in accidents, and the insurance liability is covered.

In addition, the use process of new energy vehicles has been further clarified, and the use of the above three main insurances refers to "driving, parking, charging and operation".

External power grid accidents and losses of self-use charging piles can be insured

When interviewing new energy car owners, Zhongxin Jingwei previously learned that when some car owners charge at an external charging station, the vehicle relay will issue an alarm to make the charging forced to stop, and the owners are generally worried about the external power grid causing related accidents.

In addition to the three main insurances, 13 additional risks are also set up in the model clauses. The legal effect of the additional insurance clause is superior to the main insurance clause. If the additional insurance terms are not covered, the main insurance terms shall prevail. Specifically:

Source: Zhongxin Jingwei Wei watchmaking

Among the 13 additional insurances, Article 1 additional external grid fault loss insurance, Article 2 additional self-use charging pile loss insurance, Article 3 additional self-use charging pile liability insurance, and Article 13 additional new energy vehicle value-added service special clause are exclusive additional clauses for new energy vehicles.

The external grid charging accident that the owner is worried about, the external grid fault loss insurance can provide protection. This additional insurance can insure the direct loss of the insured new energy vehicle due to external grid failure.

In addition, in recent years, charging pile leakage and fire accidents have occurred from time to time. In this model clause, the loss insurance of self-use charging piles and the liability insurance of self-use charging piles are developed. It should be noted that the former needs to insure new energy vehicle loss insurance, and the latter needs to insure new energy vehicle third-party liability insurance.

It is expected to be officially launched at the end of the month

Zhongxin Jingwei learned from a number of insurance companies that many insurance companies have completed various system preparations. According to the relevant person in charge of an insurance company, next week, the insurance companies will first report the rate, and after the acceptance is passed, the system can be switched, in principle, it is a unified switch, but the specific time depends on the joint investigation.

The relevant person in charge of another property insurance company revealed that it plans to officially launch exclusive clauses for new energy vehicles at the end of this month. "Similar to last year's comprehensive reform of automobile insurance, insurance companies have to work overtime to switch systems overnight." The above-mentioned person in charge was introduced.

Zhongxin Jingwei learned from the industry that in the future, new energy vehicles can only be insured with new energy exclusive products. For the premium issues that the majority of new energy car owners are concerned about, on the 14th, the China Association of Actuaries released the "New Energy Vehicle Commercial Insurance Benchmark Pure Risk Premium Table". It is understood that the China Insurance Industry Association previously issued the "Explanation on the Adjustment of the Pure Risk Premium Table of the Benchmark Pure Risk Premium Table for The Exclusive Product of New Energy Vehicle Commercial Insurance" to the property insurance company.

In terms of rates, the adjustment notes show that compared with the current benchmark premiums of traditional car insurance, the benchmark premiums of the three insurances and car damage insurance of new energy vehicles have decreased by 0.8% overall. Among them, the benchmark premium of the three insurances decreased by 0.1% compared with the current one, and the benchmark premium of the automobile damage insurance fell by 1.2% compared with the current one.

Pang Bo, general manager of Yangchang Insurance Valuation, told Zhongxin Jingwei that according to the adjustment instructions, in terms of rates, from the perspective of pure risk rates, models below 250,000 have only dropped and not risen, and models above 250,000 have partially risen, but the overall number does not exceed 3%. In addition, the increase in car damage insurance and the three insurances is different, the car damage insurance is 60.2% fee reduction, 21% unchanged, 18.8% increase; the three insurance 25% fee reduction, 62% unchanged, 13% rise.

"Considering the actual pricing differences of insurance companies and the difference in everyone's demand for insurance, it is expected that the overall price will be reduced by about 50%, flat by 30%, and 20% by 20%. Pombo said. (Zhongxin Jingwei APP)

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