Is it better to buy full or basic insurance for a new energy vehicle? These you really need to know

When you use a traditional fuel car, you will buy commercial insurance for the vehicle, and the new energy car is also a means of transportation, commercial insurance is naturally also need to buy. So for new energy vehicles, is it better to buy full insurance or basic insurance?

For the current new energy vehicles, there is no specialized insurance, so the new energy vehicles are still using the traditional fuel car insurance type. The current auto insurance generally includes three-party insurance, spontaneous combustion insurance, water-related insurance, car damage insurance, etc., but the new energy vehicles and traditional fuel vehicles in the structure of the big difference, so in the purchase of insurance process also need to be treated separately.

Taking pure electric vehicles as an example, the structure is equipped with battery packs and electric motors, and there is no fuel engine, so the water-related insurance for fuel engines and the spontaneous combustion insurance for lines and oil circuits are not suitable for purchase. The other reason why you don't need to buy water-related insurance is that the power batteries of the current pure electric vehicles have a high waterproof rating, basically waterproof and dustproof up to IP67 level, and the general wading road will not affect the power batteries.

Additionally, because pure electric vehicles are in the early stages of the industry, manufacturers generally provide 8 years or 150,000 kilometers of warranty service. During the warranty period, manufacturers should pay for spontaneous combustion that occurs due to body failure. So for pure electric cars, there is no need to buy spontaneous combustion insurance and water-related insurance, while other types of insurance can be purchased as much as possible.

For plug-in hybrid cars, both the power battery and fuel engine, and the main source of power is still the fuel engine, so the plug-in hybrid car insurance and traditional fuel car should not be too different, you can directly buy full insurance, in order to enhance the process of the later use of the car safety and security. I don't know what people think?

This article comes from the author of the automobile home car, does not represent the views of the automobile home position.