People's Finance and Economics | "Three Powers" can be insured, "Spontaneous Combustion" can be indemnified... New energy auto insurance is here
Based on extensive research and repeated demonstrations, the Insurance Association of China recently issued the "New Energy Vehicle Commercial Insurance Exclusive Clauses (Trial)."
What specific guarantees will the exclusive clause provide to consumers of new energy vehicles?
How is the claims service?
With these issues of concern to everyone, the reporter interviewed industry insiders.
——New energy vehicles usher in exclusive insurance, and the "three powers" system is included in the guarantee
Insured new energy vehicles refer to wheeled vehicles, crawler vehicles, and other vehicles that use new power systems and are driven entirely or mainly by new energy sources and are used for passengers or for transporting objects and special operations on roads. But it does not include motorcycles, tractors, and special vehicles.
Experts said that the "three powers" of motors, batteries, and electronic control are the core technologies and components of new energy vehicles, and they are also components that are prone to concentrated risks.
In the past, new energy vehicles were generally insured in accordance with traditional auto insurance clauses. It was difficult to insure for core components such as batteries separately. With the release of exclusive clauses, this situation will be changed.
The reporter learned that according to the insurance industry's new energy auto insurance system online arrangement, various property insurance companies will complete the switch of the new energy auto insurance system on December 27.
According to the relevant person in charge of the Insurance Industry Association of China, in terms of insurance liability, exclusive clauses not only provide protection for the "three power" system, but also comprehensively cover the usage scenarios of new energy vehicles in driving, parking, charging and operation.
Wu Tao, deputy general manager of Ping An Property & Casualty, said that in terms of the insurance structure, the exclusive clauses consist of the "Model Clauses for New Energy Vehicle Commercial Insurance (Trial)" and "Model Clauses of Accident Insurance for New Energy Vehicle Drivers and Passengers (Trial)".
Among them, the "New Energy Vehicle Commercial Insurance Model Clauses (Trial)" has 3 main insurances and 13 additional insurances.
The main insurance is structurally consistent with the current motor vehicle commercial insurance model clauses. In addition to retaining the 9 additional insurances in the current motor vehicle commercial insurance model clauses, the additional insurance has been revised and completed the "Additional New Energy Vehicle Value-Added Service Special Clauses", and added "Additional External Grid Failure Loss Insurance", "Additional Self-use Charging Pile Loss Insurance", and "Additional Self-use Charging Pile Liability Insurance" 3 additional insurances to provide comprehensive protection for new energy vehicle owners.
——The fire and burning of new energy vehicles and the loss of charging piles are all covered by the guarantee
According to reports, in addition to the traditional traffic accident risks in the use of new energy vehicles, major accidents caused by fire and deflagration of power batteries constitute new risk factors. For these risks, product innovation is required to achieve insurance protection and insurance services. Upgrade.
Shen Hua, vice president of China Property and Casualty Insurance, said 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 of the three-party insurance for auto insurance can be up to 10 million yuan. The majority of new energy car owners can choose an appropriate third-party liability limit to insure according to their own risk protection needs.
Shen Hua suggested that consumers can also choose to insure the statutory holiday limit doubled insurance on the basis of the “new energy vehicle third party liability insurance”. During statutory holidays (including weekends), the liability limit of the auto insurance three parties It can be doubled, and consumers only need to pay a lower premium to get doubled risk protection.
The newly launched two additional insurances, "Additional Personal Charging Pile Loss Insurance" and "Additional Personal Charging Pile Liability Insurance", have attracted much attention.
According to Fu Tianming, vice president of China Life Insurance, the "Additional Self-use Charging Pile Loss Insurance" provides insurance for the loss of charging piles caused by natural disasters, accidents, theft or damage by others; "Additional Self-use Charging Pile Liability Insurance" 》The insurance liability covers the personal injury or property damage of a third party that may be caused by the charging pile.
The reporter learned that this is the first time that auto insurance has underwritten off-vehicle fixed auxiliary equipment. It is an innovation and exploration in the field of auto insurance to provide insurance protection around consumer car scenarios.
Many consumers are concerned that, as a new thing, is the claims service of new energy auto insurance guaranteed?
Bi Xin, general manager of the claims department of PICC Property & Casualty Insurance, stated that the "New Energy Vehicle Commercial Insurance Model Clauses (Trial)" interprets proper terms such as "new energy vehicles", "processes of using insured new energy vehicles", and "battery degradation". Avoid insurance claims disputes caused by differences in understanding of nouns.
He said that according to the unique risk scenarios of new energy vehicles, the insurance industry has comprehensively sorted out the possible risk points, service standards and operating specifications that may be involved in claims-related links.
The industry will rely on the empowerment of technology to launch more online, personalized and differentiated claims service measures to better meet the insurance claims service needs of different consumer groups.
(Reporter Tan Moxiao)