On December 27, 2021, the exclusive insurance clause for new energy vehicles was officially launched.
Covering the insurance liability and use scenarios of new energy vehicle characteristics, it has attracted much attention as soon as it is launched.
What else is guaranteed? How is it different from old car insurance?
Let's take a look.
01
Why new energy vehicle insurance?
Earlier, the state launched the strategic goal of "carbon peaking and carbon neutrality".
Vigorously developing the new energy automobile industry has become one of the ways for China to achieve strategic goals.
Therefore, in recent years, the development of new energy vehicles in China has advanced by leaps and bounds, changing with each passing day.
According to data from the Ministry of Public Security:
As of the end of September 2021, the number of new energy vehicles in the country reached 6.78 million, accounting for 2.28% of the total number of vehicles;
Among them, the number of pure electric vehicles is 5.52 million, accounting for 81.53% of the total number of new energy vehicles.
The increase in new energy vehicles has exceeded 1 million units for three consecutive years, showing a sustained high-speed growth trend.
(Source Network)
But new products, new technologies, bring new developments and experiences, but also create new risks.
The biggest difference between new energy vehicles and traditional cars is the power mode.
Traditional cars use the fuel system, and the fuel engine is the core, accounting for 30% of the total cost of the car.
The new energy vehicle uses three electric systems (batteries, motors, electronic controls) to provide power, and the electronic control system is the core, of which the battery accounts for 35% of the total cost of the car, and the motor and the electronic control account for 30% each.
This means that in addition to the traditional risk of traffic accidents, the major accidents caused by the fire and deflagration of its power battery also constitute a new risk factor.
News of new energy vehicle explosions happens occasionally.
The original car insurance, mainly based on fuel car protection,
It is no longer possible to meet the protection needs of new energy vehicles, and it is urgent to need exclusive car insurance suitable for itself.
02
What is the insurance of new energy vehicles, and what is the difference between traditional car insurance and traditional car insurance?
In mid-December last year, the China Insurance Industry Association issued the Notice of Exclusive Clauses for Commercial Insurance of New Energy Vehicles (Trial Implementation) (hereinafter referred to as the Exclusive Clauses for New Energy Vehicles).
(Source: China Insurance Industry Association)
The new energy vehicles in the clause refer to: vehicles that use a new power system and rely entirely or mainly on new energy.
For example, hybrid vehicles (including range extenders), pure electric vehicles, fuel cell gasoline, etc.
But motorcycles, tractors, special vehicles are not included.
The New Energy Exclusive Clause is divided into three main insurances, namely:
New energy vehicle loss insurance, new energy vehicle third-party liability insurance and new energy vehicle vehicle personnel liability insurance.
Dad briefly talked about the protection of the 3 main insurances:
New energy vehicle loss insurance: the insurance is the new energy vehicle itself, but also includes theft, robbery, spontaneous combustion, unidentified loss of the whole vehicle, and does not count deductible insurance, almost as long as the car is damaged or causes losses can be compensated insurance;
Third-party liability insurance for new energy vehicles: the insurance is a third party, that is, if driving causes third-party casualties or directly damages other people's property, you can use third-party insurance to lose money to others;
New energy vehicle vehicle personnel liability insurance: the insurance is the personnel on the car, and the accident loses money.
You can choose all 3 main insurance plans, or you can choose only one of them according to your needs.
In addition, there are 13 additional types of insurance:
(13 new energy additional insurance)
So what is the difference between new energy car insurance and traditional car insurance?
1. The "three electricity" system is officially included in the guarantee
As we mentioned earlier, new energy vehicles are power batteries as energy storage devices.
Therefore, the "three electricity" of motor, battery and electronic control are the places where risks are easy to concentrate.
If you follow the old car insurance, although the vehicle spontaneous combustion protection has been included in the scope of car insurance liability, the battery and other accessories are not covered.
(Screenshot of source clause)
However, in the "Exclusive Clauses for New Energy Vehicles", batteries and energy storage systems, motors and drive systems, and other control systems are clearly written into the insurance liability.
2. New energy vehicles are included in the guarantee of fire and deflagration when charging
The "New Energy Exclusive Clause" also according to the charging characteristics of new energy vehicles,
Targeted protections are designed, such as self-use charging pile loss insurance and self-use charging pile liability insurance.
Covers the risks of new energy vehicles in the process of charging and operation.
For example, the liability insurance of self-use charging piles is to protect the personal injury or property damage of third parties caused by the charging pile installed by the owner.
For example, when the vehicle is charging, the charging pile line catches fire, and the neighbor's vehicle is burned down.
With this protection, you can make a claim.
At the same time, there is additional external grid fault loss insurance.
Protect vehicle losses caused by external grid transmission and transformation failures, current and voltage abnormalities, etc., thereby helping car owners spread risks.
At present, the new energy vehicle insurance of 13 insurance companies such as Chinese Insurance and Ping An of China has been listed and can now be bought.
In Ant Insurance and Micro Insurance you can find the entrance to the purchase of car insurance,
After filling in the license plate number, you can get a quote from multiple insurance companies.
In addition, new energy car owners can also apply for insurance on the official websites, APP, official public accounts or mini programs of each insurance company.
03
Dad summed up
The landing of new energy exclusive car insurance has provided a more reassuring guarantee for millions of new energy car owners.
However, with the rapid iteration of new energy technology, the provisions of new energy vehicles are also dynamically developed.
New energy insurance will also follow along the way.
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