New energy auto insurance model clauses released
On December 14, the Insurance Industry Association of China issued the "New Energy Vehicle Commercial Insurance Exclusive Clauses (Trial)" (hereinafter referred to as the "Terms"), which was composed of the "New Energy Vehicle Commercial Insurance Model Clauses (Trial)" and "New Energy Vehicle Drivers and Passengers" "Model Clauses for Accidental Injury Insurance (Trial)".
How will the "Articles" provide more effective and targeted insurance protection for consumers of new energy vehicles?
The reporter interviewed the association and experts.
What are the highlights of the "Terms" design?
Diversified insurance scenarios, customized insurance liability, and humanized insurance protection
“In terms of insurance liability, it not only provides protection for the “three power” systems, but also comprehensively covers the use scenarios of new energy vehicles in driving, parking, charging and operation; in terms of development, both the current mainstream technology route and the new energy The new format of the automobile industry leaves room for innovation." Wang Yuxiang, member of the Party Committee and Vice Chairman of the China Insurance Association, introduced that the "Articles" cover 4 main insurances and 15 additional insurances.
From the perspective of the structure of insurance types, the "Clause" has many innovations compared with the current "Model Clauses for Motor Vehicle Commercial Insurance (2020 Edition)".
Wu Tao, deputy general manager of Ping An Property & Casualty Insurance, analyzed that the "New Energy Vehicle Commercial Insurance Model Clauses (Trial)" has 3 main insurances and 13 additional insurances. The main insurance is structurally similar to the current "Motor Vehicle Commercial Insurance Model Clauses (2020 Edition)". "In addition to retaining the 9 additional insurances in the current "Model Clauses of Motor Vehicle Commercial Insurance (2020 Edition)", the additional insurance has been revised and completed the "Additional New Energy Vehicle Value-added Service Special Clauses", and the "Additional External Grid Failure Loss" has been added. 3 demonstration additional insurances, "Additional Insurance for Loss of Charging Pile for Self-use" and "Additional Liability Insurance for Charging Pile for Self-use".
Mao Jiwen, director of PICC Property and Casualty Insurance, believes that the highlights of the "Terms" are mainly reflected in three aspects: First, the diversification of insurance scenarios, such as the development of "Additional Self-use Charging Pile Loss Insurance" and "Additional Self-use" combined with the characteristics of new energy vehicle charging. Charging Pile Liability Insurance" focuses on solving the risks of auxiliary facilities in the application of new technologies; the second is the customization of insurance responsibilities, highlighting the structural characteristics of the "three electricity" systems such as new energy vehicle batteries and energy storage systems, motors and drive systems, and will The scope of protection is expanded to specific use scenarios for vehicles, such as self-service charging, special vehicle engineering operations, etc.; third, insurance protection is humanized, combined with the risk of new energy vehicle charging during the design of "Additional External Grid Failure Loss Insurance", underwriting due to external grid Vehicle losses caused by power transmission and transformation failures, abnormal currents and voltages, etc.
How to protect the unique losses of new energy vehicles?
The new energy vehicle catches fire and the loss of charging piles are all covered by the guarantee
The innovative use of new energy vehicles also creates new risk points.
For example, new energy vehicles use power batteries as energy storage devices, and vehicle auxiliary equipment extends to charging facilities. During vehicle use, in addition to traditional traffic accident risks, major accidents such as fire and deflagration of power batteries constitute new risk factors.
How to protect the unique accident risk of this type of new energy vehicle is the focus of consumers' attention, and it is also the focus of the preliminary clause design research.
Shen Hua, vice president of China Property & Casualty Insurance, introduced that the burning of new energy vehicles is not only covered by the insurance liability of "new energy vehicle loss insurance", but also covered by the insurance coverage of "new energy vehicle third party liability insurance".
"At present, the maximum liability limit for auto insurance can reach 10 million yuan. It is recommended that the majority of new energy vehicle owners can choose the appropriate third party liability limit for insurance according to their own risk protection needs when applying for insurance." Shen Hua said.
At the same time, Shen Hua suggested that consumers can choose to insure the "legal holiday limit doubled insurance" on the basis of auto insurance. During statutory holidays (including weekends), the liability limit of auto insurance can be extended by one. Consumers only need to pay a lower premium to get doubled risk protection.
The newly added two additional insurances, "Additional Personal Charging Pile Loss Insurance" and "Additional Personal Charging Pile Liability Insurance", have also attracted much attention.
"Additional Personal Use Charging Pile Loss Insurance" provides insurance for the loss of the charging pile itself caused by natural disasters, accidents, theft or damage by others; "Additional Self-use Charging Pile Liability Insurance" insurance liability covers the potential damage caused by the electric pile Three persons suffered personal injury or death or property damage.
"The "Articles" include the loss of the charging pile equipment itself and the possible third party personal injury or property damage into the insurance liability. This is the first time that the insurance industry has included out-of-vehicle equipment in the insurance liability, and it provides insurance protection around the consumer's car scene. A bold exploration, an important breakthrough and a new attempt." said Fu Tianming, vice president of China Life Insurance.
What changes have been made to the claims process?
Broaden the protection boundary, try to avoid claims disputes, and continue to upgrade claims services
What is the difference between the new energy vehicle claims process and the traditional motor vehicle?
"For consumers, the claim settlement process will not be significantly different from the current "Model Clauses of Motor Vehicle Commercial Insurance (2020 Edition)"." Bi Xin, general manager of the claims department of PICC P&C Insurance, introduced, but it is aimed at the risk characteristics of new energy vehicles. And use features, claims settlement also presents some new features.
Bi Xin gave an example. In addition to including external grid failures, charging pile losses and liabilities and other risks into the scope of insurance claims, and broadening the protection boundary, the "Articles" also deal with "new energy vehicles", "processes of using insured new energy vehicles", and "battery attenuation". Interpretation of proper noun expressions such as ”to avoid insurance claims disputes caused by differences in understanding of nouns.
In addition, the "Articles" continue to upgrade the claims settlement services, and comprehensively sort out the possible risk points, service standards and operating specifications that may be involved in the claims-related links.
"Relying on the empowerment of technology, we will launch more online, personalized and differentiated new energy exclusive claims service measures to better meet the insurance claims service needs of different consumer groups." Bi Xin said.
Experts believe that with the continuous iterative update of new energy vehicle technology and the accumulation of less historical data on new energy vehicle insurance, only to accelerate product innovation, accelerate the accumulation of experience data, and accelerate the integration with related industries such as automobiles to collect more Industry information can promote the high-quality development of new energy auto insurance.
Our reporter Zhao Zhanhui