In recent years, due to the different structure of new energy vehicles, in addition to the traditional traffic accident risk, there may be major accidents such as battery fire and ignition explosion in the process of use, which constitutes a new risk factor. Recently, new energy vehicles have finally ushered in exclusive car insurance! So, which models can be purchased? What are the changes compared to the previous car insurance coverage?
On the 14th of last month, the official website of the China Insurance Industry Association released the "Exclusive Terms for Commercial Insurance of New Energy Vehicles (Trial)", and since then, new energy vehicles have officially entered the era of exclusive insurance. At present, new energy models include electric vehicles with energy types: pure electric, fuel cells, plug-in hybrid motor vehicles with extended range, excluding motorcycles, tractors and special vehicles. In the article, it not only provides guarantee for the "three electricities", that is, batteries and energy storage systems, motors and drive systems, and other control systems, but also covers the use scenarios of new energy vehicles in driving, parking, charging and operation, including a total of 3 main insurance and 13 additional insurance.
Li Jianhua, insurance business manager of Ping An Life Insurance Huizhou Central Branch of Ping An Life Insurance Company of China: In the past, it was aimed at fuel vehicles, like charging piles that were not insured. There are also insurance companies will exclude the battery aspect, and the battery is a particularly critical part of the new energy vehicle, its price is quite high, like Tesla, the price of its battery basically accounts for one-third. If the battery cannot be guaranteed, his rights and interests cannot be well protected.
It should be noted that the natural wear and tear of the vehicle, battery attenuation, decay, corrosion, failure, and its own quality defects are not guaranteed.
Car owner Ms. Sui: For example, safety during use, and when parked during charging. For example, the high temperature outside the south, to what extent can it accept it, will there be any danger? In this regard, it is best if the insurance company can cover it.
With the introduction of new energy vehicle captive insurance, different insurance companies, different regions, different models, premiums vary. Among them, Tesla has the largest increase, with an increase of about 10%-20%; the average increase of Xiaopeng's full line of models ranges from 2.9% to 18.2%. However, there are also some models whose total premiums have declined, such as BYD's Qin and Roewe E50.
Li Jianhua, insurance business manager of Huizhou Central Branch of Ping An Life Insurance Company of China: Depending on the body price, below 250,000 is basically not rising, and even falling. More than 250,000 will rise slightly, probably around 3%.
At present, many insurance companies have completed various system preparations. According to the regulations, for new energy vehicle owners who have already insured traditional car insurance, the protection content will not be automatically upgraded to a new protection scheme. That is to say, the car owner waits until the expiration of the previous car insurance protection period before he can insure the new energy vehicle insurance. In this regard, industry insiders suggest that car owners in need can choose to surrender the insurance and then re-purchase new energy vehicle insurance, but pay attention to the jet lag and avoid "out of insurance" on the road.