On December 27, according to the official public account of the Shanghai Insurance Exchange, the Shanghai Insurance Exchange officially launched the new energy vehicle insurance trading platform on the same day, 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 to provide support for the landing of new energy vehicle exclusive insurance products.
Just in mid-December, the China Insurance Industry Association published the "Exclusive Clauses of The China Insurance Industry Association for Commercial Insurance of New Energy Vehicles (Trial)" (hereinafter referred to as the "Exclusive Clauses") on its website, which means that the new energy exclusive car insurance that has been studied and explored for three years has really come.
Batteries are the core components of new energy vehicles, but in traditional car insurance, whether the battery belongs to the category of car damage is controversial in the actual operation of underwriting claims.
With the strong growth of the new energy vehicle consumer market, the insurance industry has also had to start to distinguish it from traditional car insurance.
The reporter noted that the exclusive insurance of new energy vehicles has expanded the scope of protection, batteries and energy storage systems, motors and drive systems, factory equipment, spontaneous combustion, etc. are included in the scope of insurance, and vehicle damage during vehicle driving, parking, charging and operation is also included in the scope of insurance.
Can the arrival of new energy exclusive car insurance alleviate the charging anxiety of car owners? Can it dispel the concerns of residential properties about safety hazards?
Screenshot from the new energy auto insurance trading platform.
Its own charging pile is also considered "car insurance"
The "Exclusive Clauses" also define new energy vehicles, that is, the more common pure electric vehicles, plug-in hybrid (including range extender) vehicles, and fuel cell vehicles are all new energy vehicles. After the landing of new energy exclusive car insurance, these vehicles can only use exclusive terms for new insurance and renewal, and traditional fuel vehicles continue to use the old terms.
Judging from the "Exclusive Terms" that have been announced, new energy vehicle insurance includes three main insurances and 13 additional insurances: new energy vehicle loss insurance, new energy vehicle third-party liability insurance, and new energy vehicle personnel liability insurance.
Compared with traditional car insurance, new energy exclusive car insurance has added some protection content. For example, in addition to the body, the unique "three electric" systems (batteries and energy storage systems, motors and drive systems, and other control systems) and all other factory equipment are included in the insurance coverage.
In addition to the main insurance, the new energy exclusive car insurance also tailors a series of additional insurance for the majority of new energy car owners to meet the insurance needs of new energy vehicle owners. For example, when the new energy vehicle is charged, because the external power grid failure leads to vehicle loss, the additional external grid fault loss insurance can provide protection; the new energy vehicle charging pile installed by the family, because of the loss caused by natural disasters and accidents, the additional self-use charging pile loss insurance can also be paid.
"Why are people still buying fuel trucks?"
2021 can be described as the explosive year of new energy vehicles. According to tianyancha data, China's new energy vehicle-related enterprises in 2021 are 2.4 times that of 2020, and the total financing in related fields exceeds 80 billion yuan.
Once, the annual production and sales of 100,000 yuan was still a ceiling for the new energy automobile industry. In the past few years alone, the economic operation of the automobile industry in November 2021 released by the China Association of Automobile Manufacturers shows that from January to November 2021, the production and sales of new energy vehicles in China reached 3.023 million units and 2.990 million units, respectively.
The Ministry of Industry and Information Technology also said a few days ago that it will further expand the consumption of new energy vehicles in 2022. With the joint efforts of three positive factors in policy, technology and market, the new energy vehicle market continues to be favorable.
Li Bin, the founder of Weilai, even said bluntly at the communication meeting: "I simply don't understand why everyone still buys oil trucks now, which is nostalgic to buy oil trucks." ”
However, charging is difficult, and it is still a major heart disease that hinders car owners from choosing new energy vehicles. Some netizens bluntly pointed out that refueling for 3 minutes = charging for 3 hours + queuing for 1 hour.
Mr. Wang, a taxi driver in Beijing, told reporters: "I have been driving taxis for many years, and the new energy vehicles that began to be replaced last year are much cheaper than gasoline because they are agricultural electricity, but at night, they really dare not run long lives, one is afraid that there is no charging pile on the road, and the other is afraid that even if there is a charging pile, it also needs to queue." "As for why new energy vehicles are chosen, it is more because of the government's strong support for new energy vehicles."
"I've seen the spontaneous combustion news of electric vehicles myself, but I think it's unnecessary to worry." Mr. Wang said.
How to solve the problem of queuing up to grab piles?
The problems faced by Mr. Wang are not uncommon in the taxi industry, and the development momentum of charging piles has been left far behind by new energy vehicles. According to the data, as of September 2021, the ratio of vehicle piles in China is about 3:1, and the average utilization rate of the entire public charging pile is less than 10%.
"The old community can not press the charging pile I can understand, why is the new community so troublesome?" This is nothing more than trying to force everyone to the public charging pile to consume. Ms. Li, who lives in a third-tier city, complained to reporters that she wanted to press a charging pile on her own parking space, but the property kept prevaricating for various reasons.
"The surplus of capacitors is the corresponding configuration of the power supply department according to the power consumption capacity of the community when planning and construction." The rich amount of capacitors is generally not enough to carry 10 charging piles, most of the private cars in the community are charged at night, there is almost no possibility of staggered peaks, and upgrades need hundreds of thousands of yuan. However, the lack of capacity is only one of the reasons why the property is not active in the construction of charging piles. Mr. Liu, who has been engaged in the charging pile industry for many years, told reporters.
Compared with private charging piles, Mr. Liu believes that the property does prefer to operate public charging piles with charging pile companies, one is more scientific and professional in fire protection and management, after all, traditional car insurance does not include the charging stage; second, there is also a corresponding share.
But on the contrary, charging pile companies are more willing to promote the construction of private charging piles, a community public charging pile at least 6-8 years to recover the cost, in the face of the rapid progress of new energy vehicles, enterprises need to return funds for research and development, but also worry about the large-scale popularization of the power exchange model, which means that the charging pile invested in the early stage is likely to lose all.
Are there really not enough charging piles? How much is the pile ratio?
In this regard, Mr. Liu believes that the 1:1 ratio of vehicles to piles is certainly unrealistic, which is a waste of resources and cannot guarantee that there will be piles when each car is needed. Queuing for charging is largely due to the unreasonable planning of charging piles and the relative concentration of charging time and place of car owners. The most effective way is to improve the utilization rate of individual piles, such as the "personal charging pile sharing" that the State Grid Corporation has been promoting, and the real-time sharing of the pile positions of each charging station in the taxi fleet.
"As for whether the captive insurance of new energy vehicles can dispel the safety anxiety of property and parking space owners on charging piles to a certain extent, it still needs time to test." Mr. Liu said.
■ Author: Liu Tianrui, reporter of China City Daily
■ Editor: Zhang Ayan