On the basis of extensive research and repeated demonstration, the China Insurance Industry Association recently issued the exclusive provisions for commercial insurance of new energy vehicles (for Trial Implementation). What targeted protection will the exclusive terms provide for consumers of new energy vehicles? How about the claims service? With these issues of concern, the reporter interviewed people in the industry.
- new energy vehicles welcome exclusive insurance, and the "three electricity" system is included in the guarantee
Insured new energy vehicles refer to wheeled vehicles, tracked vehicles and other means of transport that use new power systems, are driven entirely or mainly by new energy, and travel on the road for personnel or for transporting goods and special operations, but do not include motorcycles, tractors and special vehicles.
Experts said that the "three electricity" of motor, battery and electronic control is the core technology and components of new energy vehicles, and it is also a component prone to risk concentration. In the past, new energy vehicles were generally insured according to the traditional auto insurance terms, and it is difficult to insure core parts such as batteries alone. This situation will be changed with the release of exclusive terms.
The reporter learned that according to the online arrangement of the new energy vehicle insurance system in the insurance industry, all property insurance companies will uniformly complete the switching of the new energy vehicle insurance system on December 27.
According to the relevant person in charge of China Insurance Industry Association, in terms of insurance liability, the exclusive terms not only provide protection for the "three electricity" system, but also fully cover the use scenarios of driving, parking, charging and operation of new energy vehicles.
Source: China Insurance Industry Association
Wu Tao, deputy general manager of Ping An Property Insurance, said that in terms of the structure of insurance types, the exclusive terms are composed of the model terms of commercial insurance for new energy vehicles (Trial) and the model terms of accidental injury insurance for drivers and passengers of new energy vehicles (Trial). Among them, the new energy vehicle commercial insurance model clause (for Trial Implementation) has 3 main insurances and 13 additional insurances. The structure of the main insurance is consistent with the current model clauses of motor vehicle commercial insurance. In addition to retaining 9 additional insurances of the current model clauses of motor vehicle commercial insurance, the additional insurance has revised and completed the special clauses for value-added services of additional new energy vehicles, Three additional insurances, namely, additional external power grid fault loss insurance, additional self use charging pile loss insurance and additional self use charging pile liability insurance, have been added to provide comprehensive protection for new energy owners.
- the fire and combustion of new energy vehicles and the loss of charging pile are within the scope of protection
It is reported that during the use of new energy vehicles, in addition to the traditional traffic accident risks, major accidents caused by power battery fire and deflagration constitute new risk factors. For these risks, product innovation is needed to realize upgrading in insurance guarantee and insurance services.
Shen Hua, vice president of China property insurance, said that the fire and combustion of new energy vehicles is not only the insurance liability of "new energy vehicle loss insurance", but also within the insurance coverage of "new energy vehicle third party liability insurance". At present, the maximum liability limit of three-party automobile insurance can reach 10 million yuan. The majority of new energy owners can choose the appropriate third-party liability limit to insure according to their own risk protection needs.
Shen Hua suggested that on the basis of "new energy vehicle third-party liability insurance", consumers can also choose to insure "double the limit of legal holidays". During legal holidays (including weekends), the liability limit of vehicle insurance third-party insurance can be doubled, and consumers can obtain double risk protection only by paying a lower premium.
The newly launched "additional self use charging pile loss insurance" and "additional self use charging pile liability insurance" have attracted much attention.
According to Fu Tianming, vice president of China Life Insurance Company Limited(601628) property insurance, "additional self use charging pile loss insurance" provides insurance protection for the loss of charging pile itself caused by natural disasters, accidents, theft or damage by others; The additional self use charging pile liability insurance covers the possible personal injury or property loss of a third party caused by the charging pile.
The reporter learned that this is the first time that vehicle insurance underwrites fixed auxiliary equipment outside the vehicle, and it is an innovation and exploration in the field of vehicle insurance to provide insurance protection around consumer car scenarios.
Many consumers are concerned that as a new thing, is the claim settlement service of new energy vehicle insurance guaranteed?
Bi Xin, general manager of PICC Property Insurance Claims Department, said that the new energy vehicle commercial insurance model clause (for Trial Implementation) interprets the expressions of proper terms such as "new energy vehicle", "process of using insured new energy vehicle" and "battery attenuation", so as to avoid insurance claims disputes caused by differences in terminology understanding.
He said that according to the unique risk scenarios of new energy vehicles, the insurance industry has comprehensively sorted out the risk points, service standards and operation specifications that may be involved in claims related links. Relying on technology empowerment, the industry will launch more online, personalized and differentiated claim settlement services to better meet the insurance claim settlement service needs of different consumer groups.
(Xinhua News Agency)
