What are the new energy auto insurance?

New energy auto insurance includes compulsory insurance and commercial insurance, in which commercial insurance is divided into basic insurance and additional insurance, specifically:

1. compulsory insurance: this is compulsory insurance purchased by the state, and it is compulsory insurance for insurance companies to compensate the insured for personal injuries and property losses caused to third parties due to traffic accidents.

Two, commercial insurance is divided into basic insurance and additional insurance:

The basic risks are:

1. New energy vehicle damage insurance: it belongs to commercial vehicle insurance, and its coverage includes vehicle body, battery and energy storage system, motor and drive system, other control systems and all other equipment when leaving the factory, and the coverage is extended to the specific use scenarios of vehicles;

2. New energy third-party liability insurance: for personal injury and property loss caused to third parties after an insurance accident, most car owners will take three liability insurance as a supplementary insurance for compulsory insurance;

3. Personnel liability insurance on new energy vehicles: it belongs to commercial auto insurance, and the owner can choose which seats to insure when insuring. After the insured accident, the personal injury or death of the insured seat can be guaranteed.

Other risks include:

1, additional absolute deductible: it belongs to commercial auto insurance. If you buy three liability insurance, car damage insurance and seat insurance, you can choose to add it, with an absolute deductible of 0%-20%. After attaching this guarantee, if an insurance accident occurs, the insured must bear the deductible, but correspondingly, the auto insurance premium will be cheaper;

2. Additional wheel separate loss insurance; It belongs to commercial auto insurance and can compensate for the loss of wheels.

3, additional new equipment loss insurance; It belongs to commercial auto insurance, such as modifying sofas and other parts can be compensated.

4. Additional body scratch insurance; It belongs to commercial auto insurance, and can compensate for scratches without obvious collision marks.

5. Compensation insurance for extra expenses during the repair period; It belongs to commercial auto insurance, and a certain subsidy is given every day during the repair period to compensate for the lost time.

6. Additional cargo liability insurance; It belongs to commercial auto insurance and can compensate for the loss of goods loaded on the car.

7. Additional liability insurance for mental damage compensation: it belongs to commercial auto insurance and can compensate the other party for mental damage compensation.

8. Additional legal holiday limit double insurance: it belongs to commercial auto insurance, and can be added if you buy three liability insurance. It can guarantee the occurrence of insurance accidents within the scope of three liability insurance on legal holidays, and the insured amount can be doubled and claims can be settled;

9. Additional liability insurance for medical expenses other than medical insurance: it belongs to commercial auto insurance and can compensate the other party for injury at its own expense.

10, self-use charging pile loss insurance: self-use charging pile can be paid if lost or stolen.

1 1, self-use charging pile liability insurance: self-use charging pile can compensate the third party for damage.

12. External power grid fault loss insurance: you can enjoy compensation for vehicle losses caused by external power grid transmission and transformation faults and abnormal current and voltage.

13. Special terms and conditions for value-added service of new energy vehicles: this is the value-added service of new energy vehicles.