At present, the car insurance insured by new energy vehicles is consistent with traditional fuel vehicles. However, the engine wading insurance of traditional fuel vehicles and other insurance items are not suitable for new energy vehicles.
With the continuous increase in the number of new energy vehicles, it is imperative to introduce insurance terms and products specific to new energy vehicles.
On December 13, the China Insurance Industry Association issued the notice of "Exclusive Clauses for Commercial Insurance of New Energy Vehicles of China Insurance Industry Association (Trial)".
Compared with the traditional car insurance clauses, the insurance liability of the "New Energy Vehicle Exclusive Commercial Insurance" is greatly expanded, and it is more suitable for the characteristics of new energy vehicles, not only taking into account the risk of spontaneous combustion of new energy vehicles, but also taking into account the damage risk of "three electricity" (that is, batteries, motors and electronic controls).
Among them, the insurance loss clauses that new energy vehicle owners are concerned about are detailed in the solicitation draft.
The biggest concern of car owners is nothing more than the fire of electric vehicles, and the draft opinions especially set up exclusive additional insurance for new energy vehicles.
Specifically, it includes additional external grid fault loss insurance, additional self-use charging pile loss insurance, additional self-use charging pile liability insurance, additional intelligent auxiliary driving software loss compensation insurance, additional fire accident limit doubling insurance, and additional special clauses for new energy vehicle breeding services.
It is worth noting that whether the car is charging or normal parking, spontaneous combustion will cause damage to its own vehicle, and it is also very easy to cause third-party casualties or losses.
And once a third party is involved, such as a car spontaneously igniting multiple cars next to it, or igniting the entire house, the amount of property damage is often huge, which may exceed the compensation limit for car insurance.
To this end, for the fire accidents of new energy vehicles, a special fire accident limit double insurance is introduced.
The fire of a new energy vehicle is only a third party's personal injury or direct damage to the property, and the third party shall be liable for damages in accordance with the law, and it does not fall within the scope of exemption from the insurer's liability.
The liability limit applicable to the third-party liability insurance of the insured new energy vehicle is doubled on the basis of the insurance policy, and is divided into three grades of 2 times, 3 times and 4 times of the main liability limit, which shall be determined by the insured and the insurer through consultation when applying for insurance.
According to the current three liability insurance up to 10 million yuan of insurance to calculate, the new energy vehicle fire accident limit doubled insurance, the maximum can be doubled 4 times, insured 40 million yuan of insurance, to meet the owner's claim needs due to fire compensation.