New energy exclusive car insurance is coming quickly, "three electricity" can be insured, spontaneous combustion can be compensated| auto industry and economy

Copywriting | Lee Qingyuan Editing | Zhang Yi

The following is a video summary, the details of which are poked at the video

Recently, the China Insurance Industry Association released the "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial Implementation)" (hereinafter referred to as the "Exclusive Clauses") on its official website. According to the understanding of auto industry and economics, the new energy vehicle insurance products of large property insurance companies are ready, and the new version of car insurance will be put on sale in the near future.

This means that all new and renewed new energy vehicles will be uniformly insured under the Exclusive Clauses. The long-awaited "new energy car insurance" of car owners has finally unveiled the mystery.

Previously, new energy vehicles have been using the insurance clause of traditional fuel vehicles, "Model Clauses for Commercial Insurance of Motor Vehicles (2020 Edition)". But in fact, in order to reduce costs, insurance companies often exclude the exclusive equipment of new energy vehicles such as batteries. Once the battery is damaged due to an accident, the owner will face a lot of losses.

Compared with the traditional car insurance clauses, the biggest change in the "Exclusive Clauses" is that the "three electricity" system is included in the scope of protection, and auxiliary equipment such as power grids and charging piles also have additional insurance options.

The Model Clause consists of 3 main insurances and 13 additional insurances. The exclusive clause states that the direct losses caused by natural disasters and accidents (including fire and combustion) of new energy vehicles during the insurance period shall be compensated in accordance with the contract.

In other words, whether it is the flood in Henan or the frequent spontaneous combustion of batteries in recent years, they are within the scope of protection, which can also be regarded as solving the worries of potential consumers of new energy vehicles.

The rise of new energy vehicles and their supporting new energy vehicle insurance are undoubtedly becoming an important track.

In August last year, Tesla registered and established Tesla Insurance Brokerage Company in China; in April this year, Geely was approved to take a stake in United Property & Casualty Insurance, with a shareholding ratio of 33%; in October, CATL signed a strategic cooperation framework agreement with Chinese Insurance Property & Casualty Insurance.....