On the basis of extensive research and repeated demonstrations, the China Insurance Industry Association recently issued the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)". What targeted protections will the exclusive clause provide to consumers of new energy vehicles? What about claims services? With these concerns, the reporter interviewed people in the industry.
——New energy vehicles usher in exclusive insurance, and the "three electricity" system is included in the protection
Insured new energy vehicles refer to wheeled vehicles, tracked vehicles and other means of transport that use new power systems, are driven entirely or mainly by new energy, and are used for passenger use by personnel or for transporting goods and special operations on the road, but do not include motorcycles, tractors and special vehicles.
Experts said that the "three electricities" of motors, batteries and electronic controls are the core technologies and components of new energy vehicles, and they are also components that are prone to concentrated risks. In the past, new energy vehicles were generally insured according to the traditional car insurance terms, and core components such as batteries were difficult to insure separately, and this situation will be changed with the release of exclusive terms.
The reporter learned that according to the online arrangement of the new energy vehicle insurance system of the insurance industry, all property insurance companies will complete the switching of the new energy vehicle insurance system on December 27.
According to the relevant person in charge of the China Insurance Industry Association, in terms of insurance liability, the exclusive clause 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.
Image source: China Insurance Industry Association
Wu Tao, deputy general manager of Ping An Property & Casualty Insurance, said that in terms of the insurance structure, the exclusive clause consists of the "Model Clauses for Commercial Insurance for New Energy Vehicles (Trial)" and the "Model Clauses for Accident Injury Insurance for Drivers and Passengers of New Energy Vehicles (Trial)". Among them, the "Model Clauses for Commercial Insurance for New Energy Vehicles (Trial)" has 3 main insurances and 13 additional insurances. In addition to retaining the 9 additional insurances of the current model clauses of motor vehicle commercial insurance, the additional insurance has revised and completed the "Special Clauses for Additional New Energy Vehicle Value-added Services", and added 3 additional insurances, including "Additional External Grid Fault Loss Insurance", "Additional Self-use Charging Pile Loss Insurance", and "Additional Self-use Charging Pile Liability Insurance", providing comprehensive protection for new energy vehicle owners.
——New energy vehicles are within the scope of protection for fire and combustion, charging pile loss, etc
According to reports, in the process of using new energy vehicles, in addition to the traditional traffic accident risk, the power battery fire, deflagration caused by major accidents constitute a new risk factor, for these risks, the need for product innovation, in the insurance protection and insurance services to achieve upgrading.
Shen Hua, vice president of China Property & Casualty Insurance, said 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 the majority of new energy vehicle owners can choose the appropriate third-party liability limit to insure according to their own risk protection needs.
Shen Hua suggested that consumers can also choose to apply for "statutory holiday limit doubling insurance" on the basis of "new energy vehicle third-party liability insurance", and during statutory holidays (including weekends), the liability limit of automobile insurance three insurance can be doubled, and consumers can obtain doubled risk protection by paying a lower premium.
The newly launched "Additional Self-use Charging Pile Loss Insurance" and "Additional Self-use Charging Pile Liability Insurance" two additional insurances have attracted much attention.
According to Fu Tianming, vice president of Chinese Life Property & Casualty Insurance, the "Additional Self-use Charging Pile Loss Insurance" provides insurance protection for the charging pile's own losses caused by natural disasters, accidents, theft or damage by others; the insurance liability of the "Additional Self-use Charging Pile Liability Insurance" covers the personal injury or property loss of third parties that may be caused by the charging pile.
The reporter learned that this is the first time that car insurance has underwritten external fixed auxiliary equipment, and it is an innovation and exploration in the field of car insurance to provide insurance protection around consumer car scenes.
Many consumers are concerned, as a new thing, is the claim service of new energy vehicle insurance guaranteed?
Bi Xin, general manager of PICC Property & Casualty Insurance Claims Department, said that the Model Clauses for Commercial Insurance for New Energy Vehicles (Trial Implementation) 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.
He said that according to the unique risk scenarios of new energy vehicles, the insurance industry has comprehensively sorted out the risk points, service standards and operating specifications that may be involved in the relevant links of claims. The industry will rely on technology empowerment to launch more online, personalized and differentiated claim service initiatives to better meet the insurance claim service needs of different consumer groups. (Reporter Tan Moxiao)