"Spontaneous combustion" can be guaranteed! New energy auto insurance exclusive clauses are here, and they are expected to be officially launched at the end of the month

　　Sino-Singapore Jingwei, December 15 (Wei Wei) The long-awaited exclusive insurance for new energy car owners is finally here.

On December 14, the Insurance Association of China announced on its website the "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of the Insurance Association of China (Trial)" (hereinafter referred to as exclusive clauses).

　　Compared with traditional motor vehicle commercial insurance, what are the differences between exclusive clauses?

The China Insurance Association stated that 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 operations.

In the past, the “spontaneous combustion” problem that car owners were worried about was clearly stipulated in the new exclusive clauses.

　　In addition, Sino-Singapore Jingwei learned from a number of insurance companies that many insurance companies have completed various system preparations and are expected to officially launch exclusive new energy auto insurance clauses at the end of this month after acceptance.

"Spontaneous combustion" can insure "three powers" included in car damage insurance

　　When it comes to new energy vehicles, many people think of spontaneous combustion accidents.

The China Insurance Association pointed out that new energy vehicles use power batteries as energy storage devices, and vehicle auxiliary equipment extends to charging facilities. In the process of vehicle use, in addition to traditional traffic accident risks, major accidents caused by fire and explosion of power batteries constitute new risks. Factors, for these risks, it is necessary to carry out product innovation and achieve upgrades in insurance protection and insurance services.

　　Sino-Singapore Jingwei combed and found that the "China Insurance Industry Association New Energy Vehicle Commercial Insurance Model Clauses (Trial)" (hereinafter referred to as the model clauses) includes 3 main insurances and 13 additional insurances.

　　The main insurance includes new energy vehicle loss insurance (hereinafter referred to as car damage insurance), new energy vehicle third party liability insurance (hereinafter referred to as three-party insurance), and new energy vehicle personnel liability insurance (hereinafter referred to as personnel insurance). The policyholder can choose to insure all types of insurance, or choose to insure some of them.

　　In the model clauses, car damage insurance liability stipulates that during the insurance period, the insured or the insured new energy vehicle driver is insured due to natural disasters or accidents (including fire and combustion) during the use of the insured new energy vehicle The direct loss of equipment such as the body of a new energy vehicle does not fall within the scope of exemption of the insurer’s liability, and the insurer shall be responsible for compensation in accordance with this insurance contract.

It is understood that batteries and energy storage systems, motors and drive systems, and other control systems are commonly known as "three powers."

In the past, although vehicle spontaneous combustion protection has been included in the scope of liability for car damage insurance, the battery and other accessories are not included in the scope of protection.

In the model clauses, in addition to the car body, the "Sandian" and all other equipment at the factory are included in the scope of guarantee.

　　In addition, the three-party insurance liability stipulates that during the insurance period, the insured or his permitted driver will have an accident (including fire and combustion) during the use of the insured new energy vehicle, causing a third party to suffer personal injury or death or direct property Damages shall be liable for damages to a third party in accordance with the law, and are not within the scope of exemption of the insurer’s liability. The insurer shall, in accordance with the agreement of this insurance contract, be responsible for the part that exceeds the compensation limit of each sub-item of the compulsory motor vehicle traffic accident liability insurance compensation.

　　Personnel insurance liability stipulates that during the insurance period, the insured or its permitted driver has an accident (including fire and combustion) during the use of the insured new energy vehicle, causing personal injury or death on the vehicle, and it is not exempt from insurance The scope of personal liability is the liability for damages that should be borne by the personnel on the vehicle in accordance with the law, and the insurer shall be responsible for compensation in accordance with the provisions of this insurance contract.

　　It is not difficult to find that in the three main insurances, fire and combustion are included in accidents, and insurance liabilities are covered.

　　In addition, the use process of new energy vehicles has also been further clarified. The use of the above three main insurances all refer to "driving, parking, charging and working."

External grid accidents and loss of self-use charging piles can be insured

　　In previous interviews with new energy vehicle owners, Sino-Singapore Jingwei learned that when a vehicle owner is charging at an external charging station, the vehicle relay will issue an alarm and the charging will be forced to stop. Vehicle owners are generally worried that the external power grid may cause related accidents.

　　In addition to the three main risks, 13 additional risks are set up in the model clauses.

The legal effect of additional insurance clauses is better than that of main insurance clauses.

For matters not covered in the additional insurance clauses, the main insurance clause shall prevail.

Specifically:

Source: Sino-Singapore Jingwei Wei Wei Watch

　　Among the 13 additional insurances, Clause 1 adds external power grid failure insurance, Clause 2 adds self-use charging pile loss insurance, Clause 3 adds self-use charging pile liability insurance, and Clause 13 adds special clauses for new energy vehicle value-added services. Exclusive additional terms for energy vehicles.

　　For the aforementioned external grid charging accidents that car owners worry about, the external grid failure loss insurance can provide protection.

This additional insurance can cover the direct loss of the insured new energy vehicle due to the failure of the external power grid.

　　In addition, in recent years, leakage of charging piles and fire accidents have occurred from time to time.

In this demonstration clause, self-use charging pile loss insurance and self-use charging pile liability insurance have been developed for self-use charging piles.

It should be noted that the former requires new energy vehicle loss insurance, while the latter requires third party liability insurance for new energy vehicles.

It is expected to be officially launched at the end of the month

　　Sino-Singapore Jingwei learned from a number of insurance companies that many insurance companies have completed various system preparations.

According to a relevant person in charge of an insurance company, each insurance company will first report the rate next week. After the acceptance is passed, the system can be switched. In principle, the switch is unified, but the specific time depends on the joint debugging.

　　A related person in charge of another property insurance company revealed that it plans to officially launch exclusive terms for new energy vehicles at the end of this month.

"Similar to last year's comprehensive reform of auto insurance, insurance companies have to work overtime overnight to switch systems." The person in charge said.

　　Sino-Singapore Jingwei learned from the industry that in the

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Regarding the insurance premiums that the majority of new energy vehicle owners are concerned about, the China Association of Actuaries released the "New Energy Vehicle Commercial Insurance Benchmark Pure Risk Premium Table" on the 14th.

It is understood that the China Insurance Association previously issued the "Instructions on the Calculation and Adjustment of the Benchmark Pure Risk Premium Table for New Energy Vehicle Commercial Insurance Exclusive Products" to property insurance companies.

　　In terms of rates, the adjustment instructions show that compared with the current benchmark premiums for traditional auto insurance, the benchmark premiums for new energy vehicles and auto damage insurance have dropped by 0.8% overall.

Among them, the benchmark premium of the three insurances decreased by 0.1% compared with the current one, and the benchmark premium of the auto damage insurance decreased 1.2% compared with the current one.

　　Pang Bo, the general manager of Yangchang Insurance Appraisal, told Sino-Singapore Jingwei that according to the adjustment description, in terms of the rate, from the point of view of the pure risk rate, models below 250,000 will only fall but not increase, and models above 250,000 will partially increase, but the overall rate is not More than 3%.

In addition, there is a difference in the rate of increase between auto damage insurance and the three insurances. Auto damage insurance has a 60.2% reduction, 21% unchanged, and 18.8% increase; the three insurance has a 25% reduction, 62% unchanged, and 13% increase.

　　"Considering the actual pricing differences of insurance companies, and the different needs of each individual for insurance, it is expected that the overall price will be reduced by 50%, the price will be the same at 30%, and the price will be increased by 20%." Pangbo said.

(Zhongxin Jingwei APP)

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