On December 27, the Shanghai Insurance Exchange launched the new energy vehicle insurance trading platform, and the first batch of new energy vehicle exclusive insurance products of 12 property insurance companies, including PICC Property & Casualty, Ping An Property & Casualty, and CPIC Property & Casualty, were listed.
Different from the previous motor vehicle insurance, this time the insurance of new energy vehicles should be operated on the trading platform. On December 27, Chinese Insurance Property & Casualty insurance and Ping An Property & Casualty insurance successfully signed a new energy vehicle insurance policy.
It is reported that the comprehensive transaction service platform for exclusive products and services of new energy vehicle insurance provides insurance consumers with insurance and inquiry services to reduce transaction costs; the back-end, together with relevant units, provides supporting services such as risk control, product innovation, data sharing, and transaction monitoring through docking big data platforms.
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. At present, the trading platform has released the standard interface and completed the docking line with the first batch of institutions such as PICC Property & Casualty, Ping An Property & Casualty, and CPIC Property & Casualty, and is expected to cover more than 90% of the market share.
The Shanghai Insurance Exchange said that this is another major innovation in the insurance industry in the new energy vehicle insurance service model after the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial)" and the "Benchmark Pure Risk Premium Table of Commercial Insurance for New Energy Vehicles (Trial)", which is a useful practice and exploration of the reform of the auto insurance trading market model.
In the future, the trading platform will build a new digital insurance ecosystem suitable for the development of new energy vehicle insurance. On the one hand, actively research and promote cooperation between the platform and new energy vehicle OEMs, big data platforms, batteries, charging and other related service providers, as well as upstream and downstream industrial chains such as Internet traffic platforms, explore the realization of cross-border, centralized and efficient data interconnection and resource docking, help the industry build claims and value-added service standards, and form a win-win positive interaction.
On the other hand, exploration and research provide application scenarios and data support for new energy vehicle insurance consumers to accumulate carbon credits and carry out carbon trading, and create a sustainable development ecosystem around the all-round needs of new energy vehicle insurance consumers.
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; for the thermal runaway risk of vehicles, insurance protection rights and interests were not detailed enough, and the price was higher.
The new energy exclusive car insurance product 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 double 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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