On December 14, the China Insurance Industry Association issued the Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial Implementation) (hereinafter referred to as the Exclusive Clauses), including the Model Clauses for Commercial Insurance for New Energy Vehicles (Trial) (hereinafter referred to as the Model Clauses) and the Model Clauses for Accident Injury Insurance for Drivers and Occupants of New Energy Vehicles (Trial).
Industry insiders generally said that consumers are expected to insure new energy exclusive car insurance at the end of the month.
After the official implementation of the "Exclusive Clauses", it is expected that the overall protection of new energy vehicle insurance will be improved, and the premium will remain unchanged or slightly reduced in the short term. The new energy auto insurance market as a whole will usher in a vigorous development, and nearly 7 million new energy vehicle owners will benefit.
Damage to the charging pile is compensable
According to the Exclusive Clause, new energy vehicles refer to vehicles that use new power systems and are driven entirely or mainly by new energy sources, including plug-in hybrid (including range extender) vehicles, pure electric vehicles and fuel cell vehicles.
The relevant person in charge of the China Insurance Industry Association pointed out that new energy vehicles use power batteries as energy storage devices, and vehicle auxiliary equipment is extended to charging facilities.
In the process of vehicle use, in addition to the traditional traffic accident risk, the major accidents caused by the ignition and deflagration of the power battery also constitute a new risk factor.
For these risks, product innovation is needed to upgrade insurance protection and insurance services.
The above-mentioned person in charge also said that the "Exclusive Clause" will provide more effective and targeted insurance protection for consumers of new energy vehicles.
In terms of insurance liability, it not only provides protection for the "three electricity" (that is, battery, motor and electronic control) system, 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 technology route, but also leaves room for innovation in the new format of the new energy automobile industry.
Specifically, in view of the characteristics of charging new energy vehicles, the "Exclusive Clauses" has developed a loss insurance for self-use charging piles and a liability insurance for self-use charging piles, 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 view of the structural characteristics of the "three electricity" system of new energy vehicles, the "Exclusive Clause" expands the scope of protection to vehicle-specific use scenarios including self-service charging and special vehicle engineering operations.
In addition, combined with the risks in the charging process of new energy vehicles, the "Exclusive Clause" designs an additional external grid fault loss insurance to cover vehicle losses caused by external power grid transmission and transformation failures, current and voltage abnormalities, etc., and to share the risk through the insurance mechanism.
"This is the first time that auto insurance has underwritten external fixed auxiliary equipment, and it is an innovation and exploration in the field of auto insurance." The relevant person in charge of the China Insurance Industry Association said.
Spontaneous combustion accidents, etc. are included in the scope of protection
The Model Clauses clarify the insurance liability of new energy vehicle loss insurance.
Article 6
During the insurance period, the insured or the insured new energy vehicle driver (hereinafter referred to as the "driver") in the process of using the insured new energy vehicle, due to natural disasters, accidents (including fire and combustion) caused by the direct loss of the insured new energy vehicle equipment, and does not fall within the scope of exemption from the insurer's liability, the insurer is responsible for compensation in accordance with the provisions of this insurance contract.
(i) Body;
(2) Batteries and energy storage systems, motors and drive systems, and other control systems;
(3) All other equipment at the factory.
Use includes driving, parking, charging and operation.
The "Model Clauses" stipulate that the "theft and rescue" shall be compensated according to the agreement if the whereabouts are not ascertained for 60 days.
Article 7
During the insurance period, if the insured new energy vehicle is stolen, robbed or robbed, the public security criminal investigation department at or above the county level where the insurance occurred has filed a case to prove that the loss of the whole vehicle has not been ascertained for 60 days, as well as the direct loss caused by the damage caused by theft, robbery or robbery, 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.
According to the Model Clauses, in the event of a fire accident in a new energy vehicle, the "three insurances" shall be compensated.
Article 20
During the insurance period, if the insured or its permitted drivers have an accident (including fire and combustion) in the process of using the insured new energy vehicle, resulting in personal injury or death or direct damage to the property of the third party, the third party shall be liable for damages according to law, and it does not fall within the scope of exemption from the insurer's liability, and the insurer shall be 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.
Mao Zhiwen, marketing director of PICC Property & Casualty Insurance, said that the Model Clauses not only expand the content of risk protection, covering fire accidents and their derivative major risks and vehicle ancillary facilities, but also include special risks in the application of new energy and new technologies that are of concern to the society.
Sources and Acknowledgements
Southern Metropolis Daily
Official website of China Insurance Industry Association
Charging pile horizon