A few days ago, according to the latest data released by the China Association of Automobile Manufacturers, from January to November this year, China's new energy sales reached 3.4 million vehicles, an increase of 1.5 times year-on-year. It should be known that in 2017, China's new energy production and sales were only 750,000 vehicles, and now it is more than 4 times that of 2017, and the deputy secretary-general of the China Association of Automobile Manufacturers also predicts that under the condition of balanced chip supply, China's new energy vehicle sales will reach 5 million in 2022.
It is true that with the advancement of the national "double carbon" policy, new energy vehicles have become an inevitable development trend in the future, and new energy vehicles on the street in recent years can also be seen everywhere. However, the growth of an emerging industry will always be accompanied by some pain, and problems such as spontaneous combustion of new energy vehicles, serious reduction in battery life, and unsafe new energy three-electric system have become "eternal pain" in the hearts of new energy car owners.
According to the "2020 Electric Vehicle Fire Accident Analysis" released by relevant agencies, there were 58 spontaneous combustions of new energy vehicles in China in the summer of 2020, and a new energy vehicle spontaneously combusted in an average of 3 days from June to August. As we all know, the difficulty of obtaining evidence for spontaneous combustion of automobiles is very high, and car owners are often difficult in the later process of rights protection, once the manufacturer is unwilling to take responsibility, then the owner will most likely bear all the losses himself.
On this issue, there is finally new progress, on December 14, the China Insurance Industry Association officially released the "new energy vehicle commercial insurance exclusive clauses (trial)", the pattern clause content shows that compared with the traditional car insurance, the insurance liability of new energy vehicles is further expanded, including new energy vehicle spontaneous combustion, three electric systems, and even related to charging piles, which will be the scope of insurance compensation, that is to say, after the spontaneous combustion of new energy vehicles, including charging pile damage, power grid damage, insurance companies will be configured, Car owners do not have to worry about suffering losses in vain.
More importantly, in the past, the three-electric system of new energy vehicles was only within the scope of the manufacturer's warranty, but it was not within the scope of insurance, and the three-electric system, as the most critical component and core of the new energy vehicle, its price and maintenance cost were relatively high, and it could be included in the insurance liability as the biggest embodiment of the "exclusive" of new energy vehicle insurance.
However, it is a pity that the problem of battery mileage attenuation, which has attracted much attention, is not involved in the trial regulations, and in the exemption clause, the clause is clearly stipulated, because natural wear, battery attenuation, failure, its own quality defects and other reasons caused by losses and costs are not responsible for compensation.
As we all know, the current battery life reduction problem of new energy vehicles should be regarded as a common problem in the entire new energy industry, a normal new energy vehicle, the degree of battery reduction after 3 years is about 40-60%, the time is more than 5 years, the degree of battery reduction will reach 60-80%, that is to say, a new energy vehicle with a 500km endurance can only run more than 100 kilometers after 5 years.
In fact, in theory, the problem of cutting the battery life of new energy batteries too quickly does not belong to the scope of insurance claims, and the battery loss is strictly speaking a design problem or a quality problem, not a risk problem, and the relevant responsibility should be borne by the production and sales manufacturers. However, the current situation is that the manufacturer will not bear any responsibility, because the industry's unspoken rules believe that this is normal wear and tear, everyone is like this, so the problem is not a problem.
Detective Che has something to say
In fact, once the problem of battery life reduction can be effectively guaranteed, I believe that within 5 years, fuel vehicles will completely become a supporting role, and even withdraw from the historical stage in advance, but the current bottleneck of battery technology still exists, the problem of battery life shortening can not be avoided for the time being, I believe that it will not be long, the "biggest pain point" of the new energy automobile industry will eventually become history, and now everyone has to endure it, of course, I also hope that car companies can be more responsible, so that car owners can be effectively guaranteed with cars. If the technology is not enough, it can only be sold and made up.