Car stuff (public number: chedongxi)
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Chedongxi December 30 news, the China Insurance Association (IAC) recently announced the "China Insurance Industry Association New Energy Vehicle Commercial Insurance Exclusive Clauses (Trial)".
According to the provisions of the exclusive car insurance clause for new energy vehicles introduced this time, new energy vehicles have added some exclusive insurance, such as the unique three-electric system of electric vehicle models, which is also included in the coverage of automobile insurance.
On December 27, the Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform and listed new energy exclusive car insurance products from 12 insurance companies, including Chinese Insurance, Sunshine Property & Casualty Insurance, China Insurance, Chinese Life.
The announcement of the "Exclusive Clauses for Commercial Insurance for New Energy Vehicles of the China Insurance Industry Association (Trial)" also means that a real new energy exclusive car insurance has been introduced.
The introduction of new energy vehicle captive insurance also shows that the current new energy vehicle market is expanding, and more exclusive specifications will be introduced.
First, three electric system increases the premium Home charging pile also has car insurance
According to the provisions of the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of China Insurance Industry Association (Trial)", many insurance clauses have been added to new energy vehicles.
In addition to the three main insurances of new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle vehicle personnel liability insurance, there are 13 additional insurances.
First of all, the three electric systems of new energy vehicle batteries, electronic controls, and electromechanical systems were not previously included in the insurance liability of traditional car damage insurance, but after the launch of this exclusive car insurance, the three electric systems were also included in the scope of premiums.
In addition, for new energy vehicles than traditional fuel vehicles higher risks, such as battery spontaneous combustion is also included in the insurance coverage. Moreover, accident insurance such as external power grid failure insurance, self-use charging pile loss insurance and self-use charging pile liability insurance are also included in the scope of automobile insurance.
Second, Tesla's premiums rose sharply Model Y once rose to fourteen thousand
However, due to the high cost of batteries and related electrical components in new energy vehicles, if there is an accident, the replacement cost is also higher than that of traditional fuel vehicles, so this batch of exclusive car insurance premiums is also much higher than the original traditional car insurance premiums.
One of the more notable phenomena is that Tesla's premiums have risen very much.
Tesla Model Y premium policy (December 28)
It is reported that some netizens said that the total premium of Tesla Model Y soared to about 14,000 yuan after the exclusive insurance terms were announced. But just today, the premium has been pulled back again, falling to about 7,000 yuan.
Tesla Model Y premium policy (December 30)
This actually reflects that Tesla's car insurance fluctuations are still in a relatively large range.
Conclusion: New energy vehicle insurance still needs to be regulated
With the continuous expansion of the entire new energy vehicle market, the market ownership of new energy vehicles is also rising. Previously, there were many problems in the premium standards for new energy vehicles suitable for traditional fuel vehicles, so the introduction of exclusive car insurance for new energy vehicles will alleviate the current embarrassing situation of new energy vehicle insurance to a certain extent.
However, in response to the sharp rise in premiums that many car owners are worried about, it also reflects that there is still a lot of room for standardization in the current new energy car insurance.