On December 27, the "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial)" officially released by the China Insurance Industry Association was officially launched. From today onwards, new and renewed new energy vehicles must be implemented in accordance with the new provisions.
It is reported that the new provisions will be three electricity, new energy vehicle spontaneous combustion, charging pile losses, etc., all included in the insurance coverage. New energy vehicle body + three electric vehicles in the process of driving, parking, charging problems, can enjoy commercial insurance compensation. At present, the liability limit of car insurance three insurance can be up to 10 million yuan, and car owners can insure according to their own needs.
In recent years, there have been many news of spontaneous combustion of electric vehicles on the Internet, and almost all major head car brands have been spared. Once an electric vehicle catches fire, the fire will be difficult to extinguish, and it is likely to ignite other items or vehicles around it. This situation has led some car companies to abandon ternary lithium batteries with higher energy density and less environmental impact, and to use lithium iron phosphate batteries with higher safety.
However, the traditional car insurance does not have the relevant provisions for spontaneous combustion of electric vehicles, once the car spontaneously combusts, the owner can only go to the insurance company to argue, waste time, the result may not be able to satisfy the owner. Now that auto spontaneous combustion and three electric vehicles have finally been included in the insurance coverage, consumers are more secure in their property safety when buying electric vehicles and buying insurance.
Of course, insurance is always effective after danger, for car companies and car owners, the most important thing is to ensure the safety of the battery and avoid danger. Lithium batteries have the risk of spontaneous combustion, the reason is that the battery will produce temperature when used, a large number of batteries installed in the car, once there is a problem with one battery, it may lead to other batteries also temperature out of control spontaneous combustion.
The probability of spontaneous combustion of electric vehicles is actually not high, but the Internet has developed, and any small problem may be amplified. Car companies are well aware of the importance of battery safety, so the quality requirements for them are very high, and problems are generally unlikely. However, safety needs to be cautious and cautious, in addition to continuously improving the safety of lithium batteries, car companies also need to develop other new battery materials.
As for whether this insurance is worth buying, Xiao Lei believes that it is better to buy it. Insurance is to exchange money for a peace of mind, no problem is the best, there is a problem can also have a protection, not to mention that the price of these insurance is not high, a year is estimated to be 500 ~ 2000 yuan.