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New energy exclusive car insurance began to insure today!
The reporter learned from the industry that today, a number of insurance companies successfully signed the first new energy exclusive car insurance policy.
At the same time, in order to actively serve the national strategic goal of "carbon peaking and carbon neutrality" and implement the work deployment of the comprehensive reform of auto insurance of the China Banking and Insurance Regulatory Commission, the Shanghai Insurance Exchange today officially launched the new energy vehicle insurance trading platform, 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 insurance to provide support for the landing of new energy vehicle exclusive insurance products.
Image source: New energy vehicle insurance trading platform
80% of the benchmark premiums of new energy vehicle owners will decline
Mr. Liu, a new energy vehicle owner, told reporters that he has been paying attention to new energy exclusive car insurance recently. "Compared with the car insurance of traditional fuel vehicles, exclusive car insurance has upgraded a lot of protection, which can be said to be a tailor-made product for new energy vehicles."
"I pay more attention to the battery and the charging pile. Because there has been news of spontaneous combustion of new energy vehicles before, the batteries of new energy vehicles need to be guaranteed urgently. I have always hoped that there is such a product on the market, which is different from traditional car insurance and can cover some risk points of new energy vehicles. Mr. Liu admitted that he has been looking forward to new energy exclusive car insurance for a long time, and many of the protection clauses of exclusive car insurance are designed for the characteristics of new energy vehicles and solve many of his insurance requirements. He needs to know more about some of the additional risks added to exclusive car insurance.
The reporter learned that in terms of insurance liability, exclusive car insurance not only provides protection for the "three electricity" system (battery and energy storage system, motor and drive system, and other control systems), but also comprehensively covers the use scenarios of new energy vehicles driving, parking, charging and operation. At the same time, for auxiliary equipment such as power grids and charging piles, exclusive car insurance has also added additional self-use charging pile loss insurance, additional self-use charging pile liability insurance, etc., to protect the loss of these auxiliary equipment itself and the property loss and personal injury that may be caused by the equipment itself, and to solve the risks arising from auxiliary facilities in the application of new technologies.
Image source: Ping An Property & Casualty
Ma Ji, general manager of the insurance business department of the Shanghai Insurance Exchange, said in an exclusive interview with Shanghai Securities News that exclusive car insurance more accurately solves the risk protection needs of new energy vehicle owners. In terms of main insurance, it solves the risk protection needs of new energy vehicle owners for motors, batteries, electronic controls, etc.; in terms of additional insurance, it adds protection for charging piles.
The reporter learned from Ping An Property & Casualty Beijing Branch that many new energy car owners have insured their cars in advance with new energy exclusive car insurance. As of 15:30 today, the company's new energy exclusive auto insurance commercial insurance has issued about 150 orders and nearly 200 compulsory traffic insurance orders.
For the premium price of exclusive car insurance, Ping An Property & Casualty said in the official WeChat tweet that 80% of the base premium of car owners will drop. However, since the premium will be affected by factors such as traffic violation records and the number of insurance accidents, the owner also needs to pay the actual premium.
Chinese Insurance Property & Casualty Insurance said that it will take the launch of the new energy vehicle clause as an opportunity to continuously improve the quality and efficiency of insurance services, continuously enrich the supply of products, and achieve its own healthy development in the process of serving the new pattern of economic development.
Trading platform in hand
No worries about insurance and inquiries
For more than 6 million new energy car owners, the launch of exclusive car insurance has been expected, and the launch of the new energy car insurance trading platform is somewhat unexpected.
It is understood that the new energy auto insurance trading platform launched by the Shanghai Insurance Exchange is positioned as a comprehensive transaction service platform for exclusive products and services of new energy auto insurance. The front-end provides insurance consumers with insurance application, inquiry and other services to reduce transaction costs. At present, the trading platform can provide one-stop comprehensive services such as online insurance, policy inquiry and order inquiry for new energy vehicle insurance consumers, and will continue to open functions such as approval inquiry, claim progress inquiry, and electronic insurance policy download in the future to continuously improve the online consumer experience. In addition, the trading platform also integrates a variety of insurance channels, including exclusive WeChat public accounts, Alipay life numbers (name: new energy vehicle insurance), etc., to enhance the convenience and sense of acquisition of consumers.
At the same time, the backend of the platform will provide supporting services such as risk control, product innovation, data sharing, and transaction monitoring through docking big data platforms. The trading platform supports the listing of various types of new energy vehicle insurance exclusive products, as well as the combination of new energy vehicle traffic insurance and commercial automobile insurance, consumers can easily reach the exclusive products of new energy vehicle insurance of many insurance companies online, and select products and services according to personal needs, fully meet the insurance needs of different customers, reduce information asymmetry, and effectively protect the rights and interests of consumers.
Ma Ji said that the trading platform has three main effects on insurance companies. First, the platform provides national infrastructure services for insurance companies, so that they can directly contact consumers, so that consumers can easily and quickly purchase insurance products suitable for their risk needs; second, the platform will provide corresponding risk control services for the insurance industry in underwriting and claim settlement; third, the platform can help insurance companies accelerate on the road of online, intelligent and informatization, reduce costs, improve efficiency, and reduce operating costs of insurance companies.
"For the auto insurance market, the new energy auto insurance trading platform is a useful pilot and innovation." Ma Ji said that he hopes that in the future, the trading platform can connect the upstream and downstream industrial chains of new energy vehicles, build a new energy ecosystem for insurance companies and new energy car owners, and better support insurance companies to provide insurance products and services with more complete protection and more favorable prices for new energy car owners. At present, the trading platform has linked 12 insurance companies, and in the future, it will accelerate the docking with the system of small and medium-sized insurance companies, so that it can be fully connected and cover the entire industry as much as possible.
Editor: Huang Lei
Video: Zhu Xiang
Producer: Zhang Jiao
Proofreader: Feng Wenjun
Photo editor: Zhao Yanyi
Producer: Ji Yuliang
Editor-in-charge: Zhang Xiaoguang
Guo Chenxi
Producer: Pu Hongyi
Issued: Pan Linqing