New energy exclusive car insurance can be insured online

On December 27, the exclusive product of commercial insurance for new energy vehicles, which has attracted the attention of car owners, has been officially launched. Yesterday, the Beijing Youth Daily reporter learned from major insurance companies that in terms of insurance liability, exclusive car insurance not only provides protection for the "three electricity" system, but also comprehensively covers the use scenarios of new energy vehicles driving, parking, charging and operation, and car owners can apply online through major platforms.

On December 14, the official website of the China Insurance Industry Association released the "Exclusive Clauses for Commercial Insurance for New Energy Vehicles (Trial)". In terms of insurance liability, the Clauses not only provide protection for the "three electricities" (battery, motor and electronic control) system, but also comprehensively cover the use scenarios of new energy vehicles driving, parking, charging and operation. In the development of terms, it not only considers the current mainstream technology route, but also leaves room for innovation in the new format of the new energy automobile industry.

What are the insurance channels?

Car owners can apply online on the trading platform

The Shanghai Insurance Exchange also 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 were listed. Statistics from the China Association of Automobile Manufacturers show that in the first three quarters of this year, the number of new energy vehicles in China reached 6.78 million.

The new energy auto insurance trading platform launched by the Shanghai Insurance Exchange is positioned as a comprehensive trading 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 account, Alipay life number (name: new energy vehicle insurance).

For more than 6 million new energy car owners, the launch of exclusive car insurance is already expected, and it is a bit of a surprise that new energy car insurance can be insured online. Beijing Youth Daily reporter in WeChat search for "new energy car insurance" public number to see, click "buy car insurance", enter the mobile phone number to log in, you can see the LOGO of 12 insurance companies, click any one can be self-insured.

Car owners can also apply for exclusive insurance for new energy vehicles through major mainstream insurance companies, such as the Ping An Good Owner APP and the "Pacific Car Life" Mini Program page, which have opened the insurance channel; car owners can also consult through the official website, APP, and public account of Chinese Insurance Property & Casualty Insurance.

What are the car insurance policies?

Includes 3 main insurance and 13 additional insurance

According to the relevant person in charge of Ping An Property & Casualty Insurance, new energy vehicle insurance includes 3 main insurances and 13 additional insurances, of which the main insurance includes new energy vehicle loss insurance, new energy vehicle third-party liability insurance, new energy vehicle vehicle personnel liability insurance, traffic insurance has not changed, pure electric vehicles, hybrid vehicles (including range extenders), fuel cell vehicles and other new energy vehicles can be insured.

The relevant person in charge of PICC Property & Casualty Insurance Beijing Branch interpreted that the exclusive clause of new energy vehicles better matches the actual use scenarios and risks of new energy vehicles, and the insurance liability of vehicle damage insurance covers the unique structure of new energy vehicles such as batteries and "three electricity" systems, clearly lists the "fire and combustion" liability that is widely concerned by all sectors of society, and also expands the risk factors such as charging piles and external power grids through additional insurance, which is easier to understand while providing more comprehensive insurance protection.

For new energy vehicle owners who have already insured traditional car insurance, the protection content will not be automatically upgraded to a new protection plan. That is to say, the car owner waits until the expiration of the previous car insurance protection period, and then insures the new energy vehicle insurance, or you can choose to re-purchase the new energy car insurance after surrendering, but the owner needs to avoid letting the vehicle "out of insurance" on the road.

How is the premium calculated?

80% of the benchmark premiums of new energy vehicle owners will decline

How does new car insurance affect car owners' premiums? The relevant person in charge of Ping An Property & Casualty insurance said that 80% of the base premiums of car owners will be reduced, but because the premiums will be affected by factors such as traffic violation records and the number of insurances, car owners also need to take the actual premium as the standard.

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.

Article/Reporter Lin Lishuang Coordinator/Yu Meiying

Photo courtesy of Visual China