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The exclusive vehicle insurance for new energy vehicles was officially launched: the maximum compens

日期: 2021-12-14
浏览次数: 1

At present, the vehicle insurance of new energy vehicles is consistent with that of traditional fuel vehicles. However, the engine water related insurance and other insurance items of traditional fuel vehicles are not applicable to new energy vehicles.

With the continuous increase of the number of new energy vehicles, it is imperative to introduce special insurance clauses and products for new energy vehicles.

On December 13, the China Insurance Industry Association issued the notice on the exclusive provisions of the China Insurance Industry Association for commercial insurance of new energy vehicles (for Trial Implementation).

Compared with the traditional auto insurance clauses, the insurance liability of the exclusive commercial insurance for new energy vehicles is greatly expanded, and it is more suitable for the characteristics of new energy vehicles. It takes into account not only the risk of spontaneous combustion of new energy vehicles, but also the damage risk of 'three electricity' (i.e. battery, motor and electronic control).

Among them, the insurance loss clauses concerned by new energy vehicle owners are described in detail in the draft.

Car owners are most worried about the fire of electric vehicles. In the opinion draft, exclusive additional insurance has been set up for new energy vehicles.

Specifically, it includes additional external power grid fault loss insurance; Additional self use charging pile loss insurance; Additional self use charging pile liability insurance; Additional intelligent driving assistance software loss compensation insurance; Additional fire accident limit doubling insurance; Additional special terms of new energy vehicle proliferation service.

It is worth noting that when the car is charged or parked normally, the fire and spontaneous combustion will not only cause its own vehicle loss, but also easily cause casualties or losses to a third party.

Moreover, once a third party is involved, such as the spontaneous combustion of a car, igniting multiple cars next to it, or igniting the whole house, the amount of property loss is often huge, which may exceed the compensation limit for purchasing auto insurance.

Therefore, for fire accidents of new energy vehicles, double the limit of fire accident insurance is specially introduced.

If the fire of a new energy vehicle is only the personal injury or death of a third party or the direct damage to property, it shall be liable for damages to the third party according to law, and it does not belong to the scope of exemption from the insurer's liability.

The liability limit applicable to the third party liability insurance of the insured new energy vehicles shall be doubled on the basis specified in the insurance policy, and shall be divided into three levels: 2 times, 3 times and 4 times of the main liability limit, which shall be determined by the applicant and the insurer through negotiation when applying for insurance.

According to the current three liability insurance coverage of up to 10 million yuan, the fire accident limit of new energy vehicles can be doubled by up to four times, with an insured amount of 40 million yuan, so as to meet the claims settlement needs of vehicle owners for fire compensation.

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