Source: Beijing Commercial Daily
Original title: Battery grid charging piles can be guaranteed new energy exclusive car insurance protection will increase the price?
6 million new energy vehicle owners will soon usher in their own new energy vehicle exclusive insurance. On August 5, a reporter from Beijing Commercial Daily learned from the Insurance Association of China that the Insurance Association recently officially announced the “Exclusive Clauses for New Energy Vehicle Commercial Insurance of the China Insurance Association (2021 Edition)” (hereinafter referred to as “Exclusive Clauses”) And “Model Clauses for Accidental Injury Insurance for Drivers and Passengers of New Energy Vehicles of China Insurance Industry Association (2021 Edition)” (hereinafter referred to as “Model Clauses”).
On the whole, the release of exclusive clauses and model clauses for new energy vehicle insurance has further expanded the scope of protection for new energy vehicles. Fire and combustion have been specifically indicated in the definition of āaccidentsā for new energy vehicles. The power grid, charging piles and other “outside the car” can also be insured, making the protection more complete and comprehensive; as to whether the premium will increase or decrease, the industry believes that further observations are needed after the follow-up regulations are released.
ććExpansion of coverage
From the perspective of industry insiders, the biggest highlight of this “Exclusive Clause” is the expansion of the scope of protection. In addition to protecting the body, it also guarantees the “three powers”, that is, electric drive, battery and electric control.
Specifically, during the insurance period, the insured or the insured new energy vehicle driver (hereinafter referred to as the “driver”) is insured due to natural disasters or accidents (including fire and combustion) during the use of the insured new energy vehicle. Insurance of new energy vehicle body; battery and energy storage system, motor and drive system, other control systems; direct losses of all other equipment at the factory, and are not exempted from the insurerās liability, the insurer shall be responsible in accordance with the agreement of this insurance contract compensation.
After sorting out, it is found that in terms of the three main insurances of new energy vehicle loss insurance, new energy vehicle third party liability insurance, and new energy vehicle personnel liability insurance, the “Exclusive Clause” clarifies that the use of new energy vehicles includes driving and parking. , Charging and operation. As for the definition of accidents, compared with traditional motor vehicle insurance, it includes fire and burning.
“The biggest cost of new energy vehicles is the battery, which is prone to spontaneous combustion.” For such regulations, industry insiders said. In fact, after the comprehensive reform of auto insurance in 2020, the scope of insurance coverage for fuel vehicle damage insurance also includes fire and combustion. Li Wenzhong, deputy director of the Insurance Department of Capital University of Economics and Business, pointed out that the vehicle damage insurance for new energy vehicles this time specifically specifies the protection of fire and combustion conditions. , Perhaps because the power of new energy vehicles mainly comes from batteries, and the risk of spontaneous combustion is higher.
However, industry insiders believe that compared with traditional fuel vehicle insurance, the biggest difference between this new energy vehicle exclusive auto insurance is the addition of six additional insurances specific to new energy vehicles, namely, additional external grid failure loss insurance and additional self-use charging Pile loss insurance, additional liability insurance for self-use charging piles, additional loss compensation insurance for intelligent assisted driving software, additional fire accident limit doubling insurance, and additional new energy vehicle value-added service special terms.
At the same time, the “except for additional engine water damage special clauses” in the traditional fuel vehicle additional insurance items have been deleted from the “Model Clauses”. The industry believes that this is more in line with the characteristics of the power system of new energy vehicles.
Why are external power grids and charging piles and other “outside the car” also covered by the new energy auto insurance coverage? Insiders said that there are risks in charging new energy vehicles. Electric piles and new energy vehicles are integrated and are part of the owner’s assets.
“Because these external devices are closely related to new energy vehicles, they are unique related equipment for new energy vehicles. Once damaged, they will directly affect the normal use of new energy vehicles. Therefore, including them in the additional insurance for new energy vehicles is conducive to providing new energy vehicles. Car owners provide more comprehensive risk protection.ā Li Wenzhong said.
ććWhat to do with the premium
If the new regulations are implemented, what benefits will new energy vehicle owners usher in? The industry believes that the biggest advantage is that the exclusive insurance for new energy vehicles can provide more comprehensive risk protection for new energy vehicles, clarify the coverage of vehicle damage insurance, and avoid some disputes in practice.
Regarding how new energy vehicle owners choose insurance types, Li Wenzhong said that compared with traditional fuel vehicle insurance, the main difference between new energy vehicle owners when choosing auto insurance is whether to choose six unique additional insurances. He believes that this needs to be based on the ownerās Selection of actual protection needs.
“If the voltage of the local power system is not stable enough, you need to consider insuring additional external grid failure loss insurance; if the charging pile is privately owned by the owner, then you can consider choosing additional self-use charging pile loss insurance and additional self-use charging pile liability insurance.” Li An example is explained in the article.
Will new energy auto insurance premiums increase or decrease? In this regard, the industry has divergent opinions and said that the corresponding clauses need to be further updated before they can be understood.
In April this year, the head of the Property Insurance Department of the China Banking and Insurance Regulatory Commission stated at a regular press conference that in the actual operation process, new energy vehicles have greater advantages than traditional vehicles in terms of body structure, power system, usage scenarios, and maintenance. Differences, its risk characteristics and accident causes also show a certain degree of particularity. At present, new energy vehicles are affected by factors such as small overall ownership, rapid model iteration, short industrialization time, and incomplete manifestation of potential risks. The industry has limited underwriting claims data for new energy vehicles, which affects the risk premium of new energy vehicles. Calculated.
Insiders pointed out that in recent years, the price gap between new energy vehicles and ordinary fuel vehicles has gradually decreased, with higher risk rates and higher premium prices. Whether the new regulations will lead to higher rates depends on specific pricing terms. Li Wenzhong believes that there will be no major changes in the premiums of new energy vehicles.
“Current consumers generally report that new energy vehicle insurance is too expensive, so there is no big room for growth; compared to fuel vehicles, new energy vehicles have greater risks, especially the risk of batteries, so there is no big possibility of decline.” Li Wenzhong explain.
At the same time, Li Wenzhong reminded consumers that the current new energy vehicle insurance is aimed at ordinary passenger and freight vehicles, and does not apply to trailers and special vehicles. In addition, for the improvement and perfection of the “Exclusive Clause”, he proposed that the current new energy vehicle insurance clause does not include hybrid electric vehicles, so the additional “vehicle safety special inspection clause” may be deleted from the expression about the engine.
Beijing Commercial Daily reporter Chen Tingting Zhou Hanyi
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