In the middle of this month, the China Insurance Industry Association officially released the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)".
The "three electricities" (battery and energy storage systems, motors and drive systems, and other control systems) of the new energy vehicles that have attracted much attention are included in the scope of protection, covering the use scenarios of new energy vehicles driving, parking, charging and operation.
On December 27, it was reported that the Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform on the same day, and the first batch of new energy vehicle exclusive insurance products of 12 property insurance companies such as PICC Property & Casualty, Ping An Property & Casualty, and CPIC Property & Casualty provided support for the landing of new energy vehicle captive insurance products, and is expected to cover more than 90% of the market share.
According to reports, previously, when new energy vehicle owners insured car insurance, they could only choose traditional fuel vehicle insurance, but in terms of batteries, drive motors, electronic control systems, etc., the scope of protection was not comprehensive, and at the same time, for the risk of thermal runaway of the vehicle, the insurance protection rights and interests were not detailed enough, and the price was higher.
The new energy exclusive car insurance released this time, the insurance liability is further enlarged, more adapted to the characteristics of new energy vehicles, not only taking into account the risk of spontaneous combustion of new energy vehicles, but also taking into account the damage risk of "three electricity" (that is, batteries, motors and electronic controls).
New energy vehicles and core "three electricity" accidents (including spontaneous combustion) occur during driving, parking and charging, and can enjoy the compensation of commercial insurance.
At the same time, the insurance also sets up an exclusive additional insurance for new energy vehicles, "fire accident limit double insurance", that is, the third-party liability insurance of the insured new energy vehicle, the applicable liability limit is doubled on the basis of the insurance policy.
According to the current three liability insurance up to 10 million yuan of insurance to calculate, the new energy vehicle fire accident limit doubled insurance, the maximum can be doubled 4 times, insured 40 million yuan of insurance, to meet the owner's claim needs due to fire compensation.
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