China News Service, December 14th. According to the website of the Insurance Association of China (hereinafter referred to as the Insurance Association), the Insurance Association issued the "New Energy Vehicle Commercial Insurance Exclusive Provisions (Trial)" (hereinafter referred to as the "Terms").
The "Articles" not only cover the loss of the vehicle, but also the loss of auxiliary equipment such as charging piles and the property losses and personal injuries that may be caused by the equipment itself; it focuses on solving the risks caused by the auxiliary facilities in the application of new technologies.
This is the first time for auto insurance to insure off-vehicle fixed auxiliary equipment, and it is an innovation and exploration in the field of auto insurance.
The source pointed out that the Insurance Association has conscientiously implemented the "Guiding Opinions on the Implementation of Comprehensive Auto Insurance Reform" work arrangements, and has developed and completed the industry "New Energy Vehicle Commercial Insurance Exclusive Clauses (Trial)" hereinafter referred to as ("Articles").
In recent years, the technological advancement of my country's automobile industry has been changing with each passing day, and the new energy automobile industry has been advancing by leaps and bounds.
New technologies bring new challenges. New energy vehicles use power batteries as energy storage devices, and vehicle auxiliary equipment extends to charging facilities. During vehicle use, in addition to the traditional traffic accident risks, major accidents caused by fire and deflagration of power batteries constitute new For these risks, product innovation is required to achieve upgrades in insurance protection and insurance services.
Therefore, how to scientifically design insurance products under the conditions of continuous iterative update of technology and less accumulation of insurance experience data has become a topic that must be solved in the development of new energy vehicles.
In order to ensure the scientific and rigorous development process of the terms, the Insurance Association organizes major companies in the industry to set up working groups to integrate government, industry, university, and research to carry out product development.
In more than a year, the working group visited dozens of domestic major new energy vehicle manufacturers, power battery manufacturers, national-level scientific research institutes, data monitoring platforms and other dozens of institutions, and held more than 20 different forms of symposiums. In the field, nearly 100 representatives from all sectors of society were invited to draft and complete the "Articles" on the basis of extensive research and repeated demonstrations.
The formulation of the "Articles" resolutely implements the people-centered development thinking and high-quality development requirements, earnestly implements the overall reform of auto insurance, and provides more effective and targeted insurance protection for consumers of new energy vehicles.
In terms of insurance liability, it not only provides protection for the "three power" system, but also comprehensively covers the usage scenarios of new energy vehicles in driving, parking, charging and operation.
In terms of development, it not only considers the current mainstream technology route, but also leaves room for innovation in the new format of the new energy automobile industry.
One is diversified insurance scenarios.
The "Articles" combined the characteristics of new energy vehicle charging and developed "Self-use Charging Pile Loss Insurance" and "Self-use Charging Pile Liability Insurance", which not only covers the loss of the vehicle, but also includes the loss of the charging pile and other auxiliary equipment itself and the property that may be caused by the equipment itself. Loss and personal injury; focus on solving the risks arising from the application of new technologies and auxiliary facilities.
This is the first time for auto insurance to insure off-vehicle fixed auxiliary equipment, and it is an innovation and exploration in the field of auto insurance.
The second is customized insurance liability.
The "Articles" use a specific expression to highlight the structural characteristics of the "three power" system of new energy vehicles.
Such as batteries and energy storage systems, motors and drive systems, the text content is clear at a glance, making it easy for consumers to read and understand.
At the same time, the coverage is extended to specific vehicle usage scenarios, such as self-service charging, special vehicle engineering operations, etc., to upgrade and optimize the connotation and extension of traditional auto insurance, and enhance the applicability and pertinence of the clauses.
The third is humanized insurance protection.
Combining the risks in the charging process of new energy vehicles, the "Additional External Grid Failure Loss Insurance" is designed to cover vehicle losses due to external grid transmission and transformation failures, current and voltage abnormalities, etc., and use insurance mechanisms to diversify risks.
According to the news, in the next step, the Insurance Association will actively organize industry entities under the guidance of the China Banking and Insurance Regulatory Commission, insist on meeting the needs of the people as the starting point, continue to strengthen source innovation and collaborative innovation, and use technology as a means to continuously accelerate cooperation New energy automobile industry chain and value chain technology and data integration, continuous innovation and optimization of products and services, actively fulfilling social responsibilities, fulfilling the responsibility of the insurance industry, giving full play to the role of insurance in assisting social governance and serving economic and social functions, and continuously satisfying the growing people Demand for insurance protection.