When the three power plants catch fire, the damage of the charging pile must be compensated, and the exclusive auto insurance for new energy comes to dispel the doubts about buying a car.

Compared with traditional fuel vehicles that have been developed for hundreds of years, new energy vehicles are completely new. Not only is the power system very different, but the related supporting facilities also belong to another system completely. Many aspects urgently need to formulate new norms.

65438+February 65438+April, China Insurance Association officially issued the exclusive clauses of commercial insurance for new energy vehicles to regulate the insurance business of new energy vehicles. This document can be said to be highly anticipated. To give the simplest example, the traditional fuel vehicle has no "auxiliary equipment outside the vehicle" such as charging piles, and it is easy to have unclear rights and responsibilities when the charging piles catch fire and other events occur.

The introduction of the new regulations has further improved the system construction related to new energy vehicles, and the new energy vehicle insurance market will change from "disorderly operation" to "compliance operation", which will benefit the whole industry.

"Three Electricity" and charging piles are included in the compensation scope.

New energy vehicles are new things, of course, many new contents should be added to the exclusive clauses of auto insurance. What kind of insurance should be insured, which models can be insured and which car scenes can be paid, and the new exclusive terms are clearly defined.

First of all, which cars can be paid. First of all, the new clause defines the new energy vehicle, which refers to a vehicle that is completely or mainly driven by new energy and equipped with a new power system. We can get a general idea that the cars with new energy licenses can be divided into pure electric vehicles, plug-in hybrid vehicles, extended-range electric vehicles and fuel cell vehicles.

It should be noted that hybrid vehicles produced by Japanese manufacturers such as Toyota and Honda are not considered as new energy vehicles at present. At the same time, motorcycles, tractors and special vehicles are not within the prescribed scope.

Secondly, what kinds of insurance are there? First of all, the new clause stipulates three major risks, namely, car damage insurance, triple liability insurance and auto insurance. At the same time, there are batteries, motors and electronic controls. Are included in the scope of compensation.

In addition, the new clause also lists 13 additional risks. In addition to the traditional types of insurance such as car body scratches, some new types of insurance have been added according to the use of new energy vehicles, including those related to charging piles, covering the scenes where charging piles suffer from natural disasters, accidents, theft or damage.

At the same time, the new clause also specially designed "additional external power grid fault loss insurance", which can cover vehicle losses caused by external power grid transmission and transformation faults, abnormal current and voltage, etc. For example, Tesla caught fire during the charging process some time ago, but Tesla threw the "pot" to the State Grid. This kind of insurance is designed for this kind of event. Objectively speaking, the vendor's wrangling and dumping is their personal behavior, and users should not worry about it.

However, it must be noted that the new clause clearly stipulates that the power battery attenuation is not within the scope of the contract. The reason is also very simple. Different from the engine, the decay of the power battery itself is a normal process of equipment depreciation and is inevitable. The so-called insurance is for accidents, and the power battery attenuation is not an accident.

Li Hao New Energy Automobile Owners

Although the development of new energy vehicles is extremely fast, it is still in its infancy and exploration stage. When many users buy new energy vehicles, the first thing that comes to mind is, what if something goes wrong? After all, it is quite troublesome for new energy vehicles to have brake failure, fire and spontaneous combustion from time to time.

Before the introduction of the new regulations, new energy vehicles can also be insured, but it follows the traditional fuel vehicles. However, fuel vehicles and new energy vehicles are essentially different from fuel vehicles in their own structure, use mode and vehicle environment. Traditional motor vehicle insurance is difficult to "part-time" new energy auto insurance.

After the introduction of the new regulations, people have no worries about buying new energy vehicles. The new regulation lists the battery, energy storage system, motor, electric drive and other components one by one, which has strong pertinence and applicability. To put it simply, when new energy vehicles "have problems" in the future, there will be very clear compensation standards and procedures, and it is no longer necessary to "disguise" as fuel vehicles.

Influence on sales of new energy vehicles

According to the sales data, before 202 11month, the sales volume of new energy vehicles was close to 3 million, and the market penetration rate of new energy passenger cars reached 19.5%, a record high. New energy vehicles have grown into a powerful force that can shake the pattern of the automobile industry.

The more cars are sold, the more problems there will naturally be. Judging from the current situation, many questions raised by consumers can't be answered by terminal sales staff, such as whether the battery is broken. Do you pay for the fire when charging? What if the charging pile is left outdoors? In the past, these questions could only be answered vaguely with reference to the experience of fuel vehicles. Now, both salespeople and consumers have a clear answer.

For the sales of new energy vehicles, this can be said to be a big plus. At present, new energy vehicles have not become the mainstream, because it does have many shortcomings, and the speed of solving the shortcomings is directly proportional to the expansion speed of new energy vehicles. Every time a weakness is solved, the attraction of new energy vehicles will increase by one point.

The fuzziness and imperfection of insurance is also one of the weaknesses of new energy vehicles. After the introduction of the new regulations, the competitiveness of new energy vehicles will be stronger, and the recognition of consumers will be higher, which will greatly promote the sales of new energy vehicles.

Write it at the end

It is undeniable that new energy vehicles do have many weaknesses, but when many people complain that charging is difficult, charging piles in major cities are rapidly spreading. In terms of new energy vehicle insurance, there was a loophole before, and now this loophole has been filled, which is a step closer to the full popularization of new energy vehicles.

@20 19