The new energy exclusive car insurance that has attracted much attention can finally be bought. On December 27, the exclusive terms of new energy auto insurance of the national auto insurance information platform were officially launched. The reporter learned from the Shanxi Insurance Industry Association that at present, all property insurance companies in our province have completed the confirmation of new energy exclusive car insurance underwriting. At 0:02 on December 27, the Shanxi Branch of Chinese Min property insurance co., Ltd. successfully issued the "first order" of new energy exclusive car insurance insurance in our province.
"In the past, when buying insurance for new energy vehicles, the car insurance terms and rates of traditional fuel vehicles were used, and the price was expensive and the insurance was less." Li Xiaobin, a new energy vehicle owner in Taiyuan, said that consumers are becoming more and more receptive to new energy vehicles. However, all along, its supporting services have been lacking, and the main problem is insurance.
The relevant person in charge of the Provincial Insurance Industry Association said that the biggest highlight of the launch of the new energy exclusive car insurance is that the protection is more complete and more targeted, highlighting the structural characteristics of the "three electricity" system including batteries, motors, and electronic controls, and expanding the scope of protection to vehicle-specific use scenarios. The situation that Volkswagen is most concerned about the fire and combustion of new energy vehicles has also been included in the scope of protection, and the additional insurance has added additional external grid fault loss insurance, additional self-use charging pile loss insurance, and additional self-use charging pile liability insurance. This also means that the owners of new energy vehicles can get more protection that they really need.
In order to carry out the rate switching of the new energy vehicle commercial insurance model clauses in the supporting industries, China Bank Insurance Information Technology Management Co., Ltd. has optimized and adjusted the core system of the national auto insurance information platform and added the new energy vehicle commercial insurance model clauses. At 8 o'clock on December 26, the national auto insurance information platform began to upgrade. From 00:00 on December 27, 29 provincial property insurance companies in our province began to conduct underwriting tests. As of 4:00 a.m., the property insurance companies in our province have completed the confirmation of new energy exclusive car insurance underwriting. Chinese Minmin Property & Casualty Insurance Co., Ltd. Shanxi Branch issued the "first order" of new energy exclusive car insurance in our province.
According to the relevant personnel of the company, the first electronic insurance policy of the new energy exclusive car insurance implemented is "BYD-Han", and the insurance type is new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance, with a total premium of 3779.6 yuan. "There are many factors affecting the price of car insurance, and in terms of the benchmark premiums of the three insurances and car damage insurance of new energy vehicles alone, the overall premium of traditional car insurance has dropped by about 0.8% compared with the current benchmark premium of traditional car insurance." The magnitude is not large, and it is basically the same as in the past. ”
The reporter learned from a number of property insurance companies such as Ping An, Tian'an and Taiping that after the successful completion of the online docking of new energy exclusive car insurance, companies are stepping up efforts to strengthen the training of business personnel, enhance competitiveness, and provide new energy car owners with more comprehensive risk protection and a better online insurance experience. It is estimated that about 80% of new energy vehicles are insured with exclusive car insurance under the same circumstances, and the premium is flat or decreasing. The other 20%, mainly some high-end models, will increase premiums.
Source: Taiyuan Daily News Gathering and Editing Center reporter Liang Dan Ma Xiangmin
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