The reporter learned that today, many insurance companies successfully signed the first new energy exclusive auto insurance policy.
At the same time, in order to actively serve the national strategic goal of “carbon peak and carbon neutralization” and implement the work deployment of the comprehensive auto insurance reform of the China Banking and Insurance Regulatory Commission, the Shanghai Insurance Exchange officially launched the new energy auto insurance trading platform today, and listed the first batch of new energy auto exclusive insurance products of 12 property insurance companies, including PICC Property Insurance, Ping An Property Insurance and CPIC property insurance, Provide support for the landing service of exclusive insurance products for new energy vehicles. Source: new energy auto insurance trading platform
80% of new energy owners’ benchmark premiums will decrease
Mr. Liu, the owner of new energy, told reporters that he has been paying attention to the exclusive vehicle insurance of new energy recently. “Compared with the vehicle insurance of traditional fuel vehicles, the exclusive vehicle insurance has upgraded a lot of protection. It can be said to be a product tailored for new energy vehicles.”
“I pay more attention to the battery and charging pile. Because I have seen the news of spontaneous combustion of new energy vehicles before, the batteries of new energy vehicles need to be protected. I always hope that there is such a product on the market, which is different from traditional auto insurance and can cover some risk points of new energy vehicles.” Mr. Liu frankly said that he has been looking forward to new energy exclusive vehicle insurance for a long time. Many protection clauses of exclusive vehicle insurance are designed according to the characteristics of new energy vehicles and have solved many of his insurance demands. He still needs to know more about some additional risks added by exclusive auto insurance.
The reporter learned that in terms of insurance liability, the exclusive vehicle insurance not only provides protection for the “three electricity” system (battery and energy storage system, motor and drive system and other control systems), but also comprehensively covers the use scenarios of driving, parking, charging and operation of new energy vehicles. At the same time, for the power grid, charging pile and other auxiliary equipment, the exclusive vehicle insurance also adds additional self use charging pile loss insurance and additional self use charging pile liability insurance to protect the loss of these auxiliary equipment and the possible property loss and personal injury caused by the equipment itself, and centrally solve the risk of auxiliary facilities in the application of new technology. Source: Ping An Property Insurance
Ma Ji, general manager of the insurance division of Shanghai insurance exchange, said in an exclusive interview with Shanghai Securities News that the exclusive auto insurance has more accurately solved the risk protection needs of new energy owners. In terms of main insurance, it solves the risk guarantee needs of new energy owners in terms of motor, battery and electronic control; In terms of additional insurance, it adds protection for charging piles, etc.
The reporter learned from Ping An Property Insurance Beijing branch that many new energy owners have insured their cars for new energy exclusive vehicle insurance in advance. As of 15:30 today, the company has issued about 150 new energy exclusive vehicle insurance commercial insurance and nearly 200 traffic compulsory insurance.
For the premium price of exclusive auto insurance, Ping An Property Insurance said in the official wechat tweet that the benchmark premium of 80% of car owners will decrease. However, since the premium will be affected by factors such as traffic violation records and the number of accidents, the owner also needs to be subject to the actual premium. Source: Ping An Property Insurance
The People’S Insurance Company (Group) Of China Limited(601319) property insurance said that it would take the launch of new energy vehicle terms as an opportunity to continuously improve the quality and efficiency of insurance services, continuously enrich product supply, and realize its own healthy development in the process of serving the new pattern of economic development.
trading platform in hand
insurance and inquiry
For more than 6 million new energy vehicle owners, the launch of exclusive auto insurance is expected, and the launch of new energy auto insurance trading platform is somewhat unexpected.
It is understood that the new energy vehicle insurance trading platform launched by Shanghai insurance exchange is positioned as a comprehensive trading service platform for exclusive products of new energy vehicle insurance. The front end provides insurance, inquiry and other services for insurance consumers to reduce transaction costs. At present, the trading platform can provide new energy auto insurance consumers with one-stop comprehensive services such as online insurance, policy query and order query. In the future, it will successively open functions such as endorsement query, claim settlement progress query and electronic policy download, so as to continuously improve the online consumption experience. In addition, the trading platform has integrated various insurance channels including exclusive WeChat official account, Alipay life name (new name energy insurance) and so on, so as to enhance the convenience and sense of acquisition for consumers. Source: new energy auto insurance trading platform
At the same time, the back end of the platform will provide supporting services such as risk management and control, product innovation, data sharing and transaction monitoring through docking with the big data platform. The trading platform supports the listing of all kinds of new energy vehicle insurance exclusive products and the combined sales of new energy vehicle compulsory insurance and commercial vehicle insurance. Consumers can easily reach the new energy vehicle insurance exclusive products of multiple insurance companies online, and select products and services according to their personal needs to fully meet the insurance needs of different customers and reduce information asymmetry, Effectively protect the rights and interests of consumers.
Ma Ji said that the trading platform has three main functions for insurance companies. First, the platform provides insurance companies with national infrastructure services, so that they can directly reach consumers, so that consumers can easily and quickly buy insurance products suitable for their risk needs; Second, the platform will provide corresponding risk control services for the insurance industry in underwriting and claim settlement; Third, the platform can accelerate the online, intelligent and informatization of insurance companies, reduce costs, improve efficiency and reduce the operating costs of insurance companies.
“For the auto insurance market, the new energy auto insurance trading platform is a useful pilot and innovation.” Ma Ji said that he hopes that in the future, the trading platform can connect the upstream and downstream industrial chain of new energy vehicles, build a new energy ecosystem for insurance companies and new energy owners, and better support insurance companies to provide more comprehensive insurance products and services with more favorable prices for new energy owners. At present, the trading platform has linked 12 insurance companies. In the future, it will accelerate the docking with the system of small and medium-sized insurance companies, so as to connect as much as possible and cover the whole industry as much as possible.
(Shanghai Securities News)
