Chuanguan News reporter Lu Wei Juyi
The Spring Festival has always been the peak season for automobile sales. New energy vehicles ushered in a sales boom, during the Spring Festival holiday reporter visited a number of stores in Chengdu city, found that there are constantly consumers into the store to see the car, many people place orders on the spot. How to insure new energy vehicles is also a problem that car owners are very concerned about.
During the Spring Festival, the citizens watching the car flow endlessly. (Courtesy of Tesla Chengdu Taikoo Li Experience Store)
Trial Clause Switching "Full Moon"
New energy vehicle insurance is more clearly defined, more comprehensive protection, and more refined pricing
New energy vehicle insurance not only has exclusive terms, but also has recently further enriched the scope of protection of new energy vehicle commercial insurance.
"The Model Clauses for Commercial Insurance for New Energy Vehicles of the China Insurance Industry Association (for Trial Implementation) (hereinafter referred to as the 'New Clauses') were officially implemented on December 27, 2021, and previously insured new energy vehicles will continue to enjoy corresponding insurance rights and interests in accordance with the previous 2020 version of the Model Clauses for Motor Vehicle Commercial Insurance." According to a relevant person from Ping An Property & Casualty Sichuan Branch, "New energy car owners who have already insured traditional car insurance will not automatically upgrade the protection content 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 car insurance, and can also choose to re-purchase the new energy car insurance after surrendering, but the owner needs to pay attention to avoid the vehicle 'out of insurance' on the road. ”
The new Clause clarifies the definition of insured new energy vehicles, which refer to vehicles that rely solely or mainly on new energy sources. At present, the more common pure electric vehicles, plug-in hybrid (including range extender) vehicles, fuel cell vehicles, etc. on the market are all new energy vehicles, such as BYD's DM-i series, ideal one, Weilai ES8, Xiaopeng P7, Tesla Model-S, etc.
Chengdu citizen Ding Jie is a Tesla owner, he carefully compared the new and old insurance terms and found that the new "clauses" on the basis of the original main insurance made targeted amendments, the new energy vehicle battery, motor, electronic control and other "three electricity" into the main insurance, while in the additional insurance to follow the original nine clauses, add three new clauses, revise a clause, and delete a clause.
The above-mentioned person from Ping An Property & Casualty Sichuan Branch believes that "the new Terms and Conditions" have the characteristics of customized responsibilities, diversified scenarios, and humanized protection. "Responsibility customization, that is, exclusive insurance covers the risks of all aspects of the use of new energy vehicles as much as possible, and ensures that car owners have commercial insurance pockets when there are problems in the use of new energy vehicles." Scenarios are diversified, that is, the new "Clauses" include "3 main insurance + 13 additional insurance", which can insure the direct loss of all equipment at the factory such as the body, battery and energy storage system, motor and drive system, and other control systems caused by natural disasters and accidents (including fire and combustion); vehicle loss caused by external power grid failure; self-use charging pile loss and third-party liability caused by self-use charging pile. Guaranteeing humanization can cover vehicle losses caused by external grid transmission and transformation failures, current and voltage abnormalities, etc., and help car owners spread risks through insurance mechanisms.
Relevant experts from PICC Property & Casualty Insurance Sichuan Branch added that the depreciation coefficient of new energy vehicles is also clarified. Since the depreciation rate of the power battery and the body price is not exactly the same, the new depreciation coefficient is calculated according to the weighting of the power battery and the body depreciation coefficient.
Shenwan Hongyuan report data shows that the current loss rate of new energy vehicle insurance is close to 85% on average. Some new energy car owners will find that car insurance premiums have decreased compared with the previous year, while some car owners have found that premiums have risen sharply. In fact, different regions, different models, different insurance situations in the past, and different insurance companies will lead to different prices of new energy vehicle insurance. It can be seen that driven by big data, the current degree of refinement of car insurance pricing is extremely high, and the impact factor of car insurance prices is extremely large, and even the situation of "one car and one price" will gradually be formed.
How do car owners apply?
Can be the company, products, services "shop around"
With the refinement of new energy vehicle insurance clauses and the insurance changes brought about by technology, the car insurance provided by various insurance companies is no longer a cookie-cutter and indiscriminate insurance product. Consumers need to keep their eyes open when purchasing insurance to avoid disputes when making claims.
Relevant experts of PICC Property & Casualty Sichuan Branch suggested that when new energy vehicle consumers choose insurance products, they can refer to the following standards:choosing insurance institutions that hold licenses, have many outlets, can provide fast, timely and high-quality claims services, standardize service processes, and can clearly guide customers to choose insurance types and claims services, and choose products and services that are cost-effective and can meet their own needs.
The new "Clauses" does not include compulsory traffic insurance, which follows the "Compulsory Insurance Clauses for Motor Vehicle Traffic Accident Liability", and the owner needs to purchase it separately. Industry experts pointed out that the owners of new energy vehicle insurance should try to purchase 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", and the "external grid fault loss insurance" among the 13 additional insurances is also recommended to be prioritized, while the "self-use pile loss insurance" and "self-use charging pile liability insurance" are more suitable for users with independent installation of charging piles to buy, if they all use public charging piles, they are not needed. Whether the rest of the additional insurance is purchased, users can determine according to their own needs, "must start from their own actual use, do not care too much about the level of premium, after all, the investment is proportional to the protection." ”
In addition to the offline stores where the car is purchased, the owner can insure the new energy vehicle exclusive insurance through major insurance companies or exchange online platforms. For example, the "Ping An Good Car Owner" APP and the "Pacific Car Life" Mini Program page have opened up insurance channels; car owners can also consult through picc&C Property & Casualty's official website, APP, public account, etc.; the new energy car insurance trading platform launched by the Shanghai Insurance Exchange can provide consumers with one-stop comprehensive services such as online insurance, policy inquiry, and order inquiry.