On December 14, the China Insurance Industry Association issued the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)", which not only provides protection for the "three electricity" system in terms of insurance liability, 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 technical route, but also leaves room for innovation in the new format of the new energy automobile industry.
In recent years, sales of new energy vehicles have been rising, and this year it has become the hottest model series in the automobile market. Correspondingly, because the three-electric system of new energy vehicles is different from traditional models, the majority of new energy vehicle owners will inevitably encounter confusion when buying car insurance.
"The previous car insurance clause is indeed no longer suitable for new energy vehicles, and the release of the new energy exclusive car insurance clause makes it more convenient for us to handle car insurance." A car insurance salesman introduced to reporters, "There have been opinions on new energy exclusive car insurance before, and we roughly know some of the content." We have also done the product training for the business process of new energy vehicle insurance."
A few days ago, the data released by the China Association of Automobile Manufacturers showed that from January to November this year, the production and sales of new energy vehicles in China reached 3.023 million and 2.990 million units, respectively, an increase of 1.7 times year-on-year, and the market penetration rate reached 12.7%. The explosive growth of new energy vehicles has brought new challenges to the auto insurance industry, unlike traditional fuel cells. New energy vehicles use power batteries as energy storage devices and are accompanied by charging facilities. In addition to the traditional risk of traffic accidents, major accidents caused by power battery fires and deflagrations constitute new risk factors.
Different from traditional cars, the core of new energy vehicles is the battery, motor and electronic control commonly known as the three-electric system. The original car insurance clause does not target the core components of the three-electric system, and will not include the supporting charging equipment of new energy vehicles. Therefore, in the claims of new energy vehicles, there have been many disputes.
Like traditional fuel vehicle insurance, exclusive car insurance for new energy vehicles includes three main terms of car damage insurance, three insurance, occupant insurance and a number of additional insurance. But the difference is that the new energy exclusive car insurance includes the "three electricity" system of new energy vehicles. The use status of new energy vehicles has been clearly stipulated, in addition to the driving state, it also includes parking and charging status. At the same time, the inclusion of fire and combustion is emphasized in accidents with insurance liability.
In the exclusive car insurance for new energy vehicles, 13 additional insurances are also specially set up. In addition to the scratch insurance and absolute deductible in traditional car insurance, some risk protection related to new energy vehicles has also been added, including exclusive additional insurance for new energy vehicles such as external power grids and self-use charging piles, and the wading insurance has been deleted.
According to the China Insurance Association, the exclusive clause combines the characteristics of charging new energy vehicles to 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 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.
Xiaoxiang Morning News reporter Hu Xiong
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