Is tram insurance the same as tanker insurance?

It's different. The difference between new energy auto insurance and traditional gasoline auto insurance is as follows: 1. Clear use process includes: driving, parking, charging and operation; 2. Bring "burning" into the scope of protection; 3. Define the compensation scope of car damage insurance. The exclusive product of commercial insurance for new energy vehicles was officially launched on February 27th, 202 1+65438. Auto insurance includes three main risks: loss insurance for new energy vehicles, third-party liability insurance for new energy vehicles and personnel liability insurance for new energy vehicles, and 13 additional risks, which basically take into account the common risks of new energy vehicles.

The exclusive terms of new energy vehicles better match the actual use scenarios and risks of new energy vehicles. The liability of vehicle damage insurance covers the unique structure of new energy vehicles such as batteries and "three power" systems, and clarifies the responsibility of "fire burning" that is widely concerned by all walks of life. At the same time, it also expands the risk factors such as charging piles and external power grids through additional risks, which is easier to understand while providing more comprehensive insurance protection.

First, among the three main insurances: vehicle damage insurance, third party liability insurance and vehicle personnel liability insurance, it is clear that the use process includes: driving, parking, charging and running.

Second, "fire" is clearly included in the accident scope among the three main insurances: car damage insurance, third party liability insurance and vehicle personnel liability insurance.

3. The scope of compensation for car damage insurance is defined by enumerating, including: 1, car body; 2. Battery and energy storage system, motor and drive system and other control systems; 3. All other ex-factory equipment.

The insured new energy vehicles in the insurance contract refer to wheeled vehicles, tracked vehicles and other vehicles that run in People's Republic of China (PRC) (excluding Hong Kong, Macao and Taiwan), adopt new power systems, rely entirely or mainly on new energy sources, and run on roads for people to ride or transport goods and carry out special operations, but do not include motorcycles, tractors and special vehicles.