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In recent years, the new energy automobile industry has made rapid progress, and new energy vehicles have become more and more favored by consumers. New technologies bring new challenges. 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 risk, power battery fire, deflagration caused by major accidents constitute a new risk factor.
Exclusive car insurance for more than 6 million new energy car owners is finally coming! On December 14, the China Insurance Industry Association (hereinafter referred to as the Insurance Industry Association) officially issued the Exclusive Clauses for Commercial Insurance of New Energy Vehicles (hereinafter referred to as the "Clauses").
In recent years, the technological progress of China's automobile industry is changing with each passing day, the new energy automobile industry is advancing by leaps and bounds, and new energy vehicles are becoming more and more favored by consumers. According to data released by the Ministry of Public Security, as of the end of June this year, the number of new energy vehicles in the country reached 6.03 million, accounting for 2.06% of the total number of vehicles. According to data released by the China Association of Automobile Manufacturers, from January to November 2021, the production and sales of new energy vehicles reached 3.023 million units and 2.99 million units, respectively, an increase of 1.7 times year-on-year. The market penetration rate reached 12.7%, higher than in the previous October.
At the same time, new technologies also bring new challenges. In the view of industry insiders, 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 risk, power battery fire, deflagration caused by major accidents constitute a new risk factor.
The relevant person in charge of the Insurance Industry Association said: "For these risks, product innovation is needed to upgrade insurance protection and insurance services. Therefore, how to scientifically design insurance products under the condition of continuous iterative updating of technology and less accumulation of insurance experience data has become a topic that must be solved in the development process of new energy vehicle products. ”
Previously, the Banking and Insurance Regulatory Commission issued the "Guiding Opinions on the Implementation of the Comprehensive Reform of Automobile Insurance", which said that it would support the industry to formulate model clauses for new energy vehicle insurance, driver and occupant accident insurance, and motor vehicle extended warranty insurance, and explore the development of innovative products such as motor vehicle mileage insurance in new energy vehicles and qualified traditional cars, so as to provide consumers with more standardized and rich car insurance protection services.
As a result, the promulgation of the "Provisions" is highly anticipated by the industry.
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The Terms have three highlights:
1 Diversification of insurance scenarios
Combined with the characteristics of charging and using new energy vehicles, the "Clauses" developed the "Self-use Charging Pile Loss Insurance" and "Self-use Charging Pile Liability Insurance", which not only cover the loss of the vehicle, but also include 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 focus 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.
2 Customized insurance liability
The "Articles" use a listed expression to highlight the structural characteristics of the "three electricity" system of new energy vehicles. Such as batteries and energy storage systems, motors and drive systems, etc., the text content is clear at a glance, which is convenient for consumers to read and understand. At the same time, the scope of protection is extended to vehicle-specific use scenarios, such as self-service charging, special vehicle engineering operations, etc., upgrading and optimizing the connotation and extension of traditional car insurance, and enhancing the applicability and pertinence of the terms.
3 Humane insurance protection
Combined with the risks in the charging process of new energy vehicles, the "Additional External Grid Fault Loss Insurance" is designed to cover vehicle losses caused by external grid transmission and transformation failures, current and voltage abnormalities, etc., and to disperse risks through the insurance mechanism.
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The scope of protection includes the ignition and combustion of new energy vehicles and the loss of charging piles
In terms of third-party liability insurance and vehicle personnel liability insurance, the insurer's liability under the Clauses is roughly consistent with traditional car insurance. However, the "Clauses" specifically indicates "including fire and combustion" after "accident", which is also the most concerned issue for new energy vehicle owners.
Shen Hua, vice president of China Property & Casualty Insurance, introduced that the ignition of new energy vehicles is not only the insurance liability of "new energy vehicle loss insurance", but also within the insurance coverage of "new energy vehicle third-party liability insurance". "At present, the liability limit of the three insurances of automobile insurance can reach up to 10 million yuan, and it is recommended that the majority of new energy vehicle owners can choose the appropriate third-party liability limit to apply for insurance according to their own risk protection needs when applying for insurance." Shen Hua said.
At the same time, Shen Hua suggested that consumers can also choose to apply for "statutory holiday limit doubling insurance" on the basis of insuring car insurance tripartite insurance, and during statutory holidays (including weekends), the liability limit of auto insurance tripartite insurance can be doubled, and consumers can obtain doubled risk protection by paying a lower premium.
The new "Additional Self-use Charging Pile Loss Insurance" and "Additional Self-use Charging Pile Liability Insurance" two additional insurances have also attracted much attention. "Additional Self-use Charging Pile Loss Insurance" provides insurance protection for the loss of the charging pile itself caused by natural disasters, accidents, theft or damage by others; "Additional Self-use Charging Pile Liability Insurance" insurance liability covers the personal injury or property damage that may be caused by the electric pile.
"The Clause includes the loss of the charging pile device itself and the personal injury or property loss of a third party that may be caused into the insurance liability, which is the first time that the insurance industry has included the equipment outside the car into the insurance liability, and is a bold exploration, important breakthrough and new attempt to provide insurance protection around the consumer car scene." Fu Tianming, vice president of China Life Property & Casualty Insurance, said.
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When will I be officially insured?
Wang Yuxiang, vice president of the China Insurance Industry Association, said that the time to switch new energy exclusive car insurance may have to wait a little longer for the regulator (agency) to take out the timetable, which should be very fast.
It has been learned from a number of insurance companies that many insurance companies have completed the preparation of various systems. 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.
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Is the premium going up or down?
The time for new energy car insurance to "open" the door to insurance is getting closer and closer, and whether the insurance premium is rising or falling has become another topic of concern for car owners.
From a benchmark pure risk premium schedule, the proportion of overall premium increase policies increased from 18.3% of the original plan to 20.7%. Among them, compared with the current comprehensive reform benchmark premiums, the three insurances fell by 0.1%; the three insurance policies reduced the fee by 25%, 62% unchanged, and increased by 13%.
In terms of vehicle damage insurance, the "Premium Table" shows that when considering the switching of new and old rates, the price sensitivity of existing new energy vehicle owners in the transition period continues to maintain the price of cars below 250,000 yuan without increasing fees, and narrows the threshold for limiting the increase and decrease of rates. Compared with the current comprehensive reform benchmark premium, the car damage insurance decreased by 1.2%; the car damage insurance policy was reduced by 60.2%, 21% unchanged, and 18.8% increased.
Industry insiders said that according to the model clauses and the benchmark premium table and related instructions, new energy vehicles are insured with car damage insurance and three insurances after the terms are switched, and the overall premium is slightly lower than the premium after the comprehensive reform, of which nearly 80% of the existing policy premiums are flat or have declined; about 20% of the policy premiums will be floated to a certain extent; and the new energy vehicles with a price of less than 250,000 yuan will not rise in premiums.
With the continuous growth of new energy vehicle ownership, the original pattern may be broken for the insurance industry. Because the insurance industry needs to cope with the changes brought about by the new era, new products, and new foundations.
Disclaimer: The article does not constitute investment advice, please indicate the source when reprinting.
This article is for knowledge sharing only and does not constitute any investment advice, and anyone makes investment decisions based on this at their own risk.
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