Source: People's Daily Overseas Edition
In recent years, the development momentum of new energy vehicles has been rapid. The picture shows the assembly workshop of an automobile company in Jinhua City, Zhejiang Province, where employees are orderly to report automobiles to the line. Photo by Hu Xiaofei (People's Vision)
The construction of new energy vehicle charging facilities is accelerating to help residents travel green. The picture shows Longxinghu Park in Baofeng County, Pingdingshan City, Henan Province, where a new energy vehicle owner is charging. Photo by He Wuchang (Xinhua News Agency)
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 "Clauses"), which consists of the Model Clauses for Commercial Insurance for New Energy Vehicles (Trial) and the Model Clauses for Accident Injury Insurance for Drivers and Occupants of New Energy Vehicles (Trial). How will the Terms provide more effective and targeted insurance protection for consumers of new energy vehicles? The reporter interviewed the association and relevant experts.
What are the highlights of the design of the Terms?
——The insurance scene is diversified, the insurance liability is customized, and the insurance protection is humanized
"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 terms of terms of development, 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." Wang Yuxiang, member of the Party Committee and vice president of the China Insurance Industry Association, introduced that the "Clauses" cover 4 main insurance and 15 additional insurance.
From the perspective of insurance structure, the Clauses have many innovations compared with the current Model Clauses for Motor Vehicle Commercial Insurance (2020 Edition). Wu Tao, deputy general manager of Ping An Property & Casualty Insurance, analyzed that the "New Energy Vehicle Commercial Insurance Model Clauses (Trial)" has 3 main insurances and 13 additional insurances, and the main insurance is consistent with the current "Model Clauses for Commercial Insurance of Motor Vehicles" in structure, and in addition to retaining the 9 additional risks of the current "Model Clauses for Commercial Insurance of Motor Vehicles", the additional insurance has been modified and completed the "Special Clauses for Additional Value-added Services for New Energy Vehicles", and the "Additional External Grid Fault Loss Insurance", "Additional Self-use Charging Pile Loss Insurance" and "Additional Self-use Charging Pile Liability Insurance" have been added. 3 demonstration riders. The two additional insurances "Additional Hospital Allowance Insurance" and "Additional Medical Expense Compensation Insurance" of the "Model Clauses for Accident Injury Insurance for Drivers and Occupants of New Energy Vehicles (Trial)" are consistent with the current provisions.
Mao Zhiwen, marketing director of PICC Property & Casualty Insurance, believes that the highlights of the "Clauses" are mainly reflected in three aspects: First, the diversification of insurance scenarios, such as the development of "Self-use Charging Pile Loss Insurance" and "Self-use Charging Pile Liability Insurance" in combination with the characteristics of new energy vehicle charging use, focusing on solving the risks arising from auxiliary facilities in the application of new technologies; second, the insurance liability customization highlights the structural characteristics of the "three electricity" systems such as new energy vehicle batteries and energy storage systems, motors and drive systems, and expands the scope of protection to vehicle-specific use scenarios. Such as self-service charging, special vehicle engineering operations, etc.; the third is the humanization of insurance protection, combined with the risk design of new energy vehicle charging process "Additional External Grid Fault Loss Insurance", which covers vehicle losses caused by external power grid transmission and transformation failures, current and voltage abnormalities, etc.
What is the guarantee for the unique loss of new energy vehicles?
——New energy vehicles are within the scope of protection when they catch fire and burn, and the loss of charging piles is within the scope of protection
The scene of innovative vehicles for new energy vehicles has also derived new risk points. For example, new energy vehicles use power batteries as energy storage devices, vehicle auxiliary equipment extends to charging facilities, in the process of vehicle use, in addition to the traditional traffic accident risk, power battery fire, deflagration and other major accidents constitute new risk factors. How to protect the unique unexpected risks of such new energy vehicles is the focus of consumer attention and the focus of the design and research of the previous terms.
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.
What happened to the claims process?
-- Broaden the boundaries of protection, try our best to avoid claims disputes, and continue to upgrade claims services
How is the claims process for new energy vehicles different from that of traditional motor vehicles?
"For consumers, the claims process will not differ significantly from the current Model Clauses for Commercial Insurance for Motor Vehicles." Bi Xin, general manager of piccal property insurance claims department, introduced that in view of the risk characteristics and use characteristics of new energy vehicles, claims also present some new characteristics.
For example, in addition to including risks such as external power grid failure, charging pile loss and liability into the scope of insurance claims and broadening the boundaries of protection, the Clauses also interpret proper noun expressions such as "new energy vehicles", "process of using insured new energy vehicles" and "battery attenuation" to avoid insurance claim disputes caused by differences in terminology understanding. In addition, the Clauses continue to upgrade claims services, comprehensively sorting out the risk points, service standards and operating specifications that may be involved in claims-related links. "Relying on the empowerment of science and technology, we will launch more online, personalized and differentiated new energy exclusive claim service initiatives to better meet the insurance claim service needs of different consumer groups." Bi Xin said.
The new energy automobile industry is in the process of rapid development, which poses new challenges to the insurance industry. Experts believe that in the case of continuous iterative updating of new energy vehicle technology and less accumulation of historical data on new energy vehicle insurance, only by accelerating product innovation, accelerating the accumulation of experience data, accelerating the integration with related industries such as automobiles, and collecting more industry information can we promote the high-quality development of new energy vehicle insurance. (Reporter Zhao Zhanhui)
People's Daily Overseas Edition ( December 21, 2021, 11th edition)