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Long awaited! New energy vehicles have exclusive terms
Overall, "Model auto Insurance" presents the following five highlights:
01
Make clear the definition of "new energy vehicles". Plug-in hybrid (including range extension) vehicles, pure electric vehicles and fuel cell vehicles all belong to "new energy vehicles".
[New energy vehicles] refers to vehicles that adopt new power systems and are completely or mainly driven by new energy sources, including plug-in hybrid (including range extended) vehicles, pure electric vehicles and fuel cell vehicles, etc.
In the interpretation of the Model Clause, the definition of new energy vehicles (NEV) is clearly defined in the first article, including not only pure electric vehicles, but also plug-in hybrid (including range extended) vehicles and fuel cell vehicles, and the controversial issues are settled.
02
Large expansion of the guarantee range, not only to protect the body, but also "three power", namely electric drive, battery and electric control
Article 6 within the period of insurance, the insured or the insurant new energy car drivers (hereinafter referred to as the "driver") in the use of the insured in the process of new energy vehicles, because of natural disasters, accidents (including fire burning) caused by the direct loss of the insured new energy vehicles of the following equipment, and does not belong to exempt from the scope of the insured liability,
The underwriters shall be liable in accordance with the terms of this insurance contract.
(1) body;
(2) Battery and energy storage system, motor and drive system, and other control systems;
(3) all other ex-factory equipment.
Use includes driving, parking, charging and operation.
New energy vehicles are very different from traditional fuel vehicles. Unlike traditional vehicles, the core technology of new energy vehicles is "three electricity", including electric drive, battery and electric control.
Among them, the battery price of new energy vehicles is particularly high, which generally accounts for about 40% of the price of the whole vehicle. The quality difference between different batteries is also large. Insurance companies lack empirical data and face high compensation risk.
In the past, new energy vehicles are insured in accordance with the traditional automobile insurance, using the traditional automobile insurance model clause, "three power" are not included in the scope of protection, and now in the "model clause", "three power" have become a mandatory insurance project.
03
"Battery decay" is not covered
Article 11 The insurer shall not be liable for the following losses and expenses:
(1) depreciation caused by changes in market prices and impairment losses caused by reduction in value after repair;
(2) natural wear and tear, battery attenuation, decay, corrosion, failure, and its own quality defects;
(3) the policy-holder, insurant or drivers know after insurance accident happens, deliberately or for gross negligence did not notify, the property of insurance accident, reason and the degree of damage is difficult to determine, the underwriter of uncertain part, does not assume liability to pay compensation, the underwriter already know or by other means shall timely know unless the insurance accident;
(iv) indefinable loss caused by the insured's violation of Article 15 of this Article;
(5) Single loss of wheels, body scratches without obvious collision marks, and loss of newly added equipment;
(6) theft and robbery of not the whole vehicle, theft of only parts and parts or auxiliary equipment of the vehicle;
(vii) Loss of insured new energy vehicles due to faults of external power grid during charging.
Although the battery is covered by the insurance, it is limited to the direct loss of equipment caused by natural disasters and accidents (including fire and combustion) during the use of the insured new energy vehicle, and battery attenuation is not covered by the insurance.
In the view of professionals, battery attenuation is as inevitable as depreciation of other equipment. Once the attenuation exceeds 80%, the battery is basically scrapped. This is a quality problem, not a loss caused by collision, accident, etc., so it is not included in the scope of protection.
04
The spontaneous combustion of new energy vehicles, which has frequently caused widespread social concern, is also included in the scope of the guarantee
The safety of new energy vehicles has been a concern, some new energy vehicles spontaneous combustion news is often in the news, but also caused wide social concern.
Generally speaking, spontaneous combustion of new energy vehicles can be divided into three types: spontaneous combustion in the charging process, spontaneous combustion in the driving process and spontaneous combustion in the static process. No matter what kind of spontaneous combustion, it will seriously threaten the life safety of drivers and passengers, but also cause losses to the new energy vehicles themselves and surrounding property.
According to article 6 of the model Clause listed above, the direct loss of new energy vehicle equipment caused by "fire and combustion" is also covered by the guarantee.
This means that even if the new energy vehicle occurs spontaneous combustion, the insurance company must also compensate.
Here, insurance will exert the function of social governance again, reduce all sorts of disputes that cause as a result of this kind of accident.
05
Additional terms to provide more features of protection, software, charging pile accidents can be protected, can provide special value-added services
The legal effect of additional risk clause is superior to that of primary risk clause.
For matters not covered by the additional risks clause, the primary risks clause shall prevail.
Unless otherwise agreed by the additional risks clause, the exemption from liability and obligations of both parties under the primary risks shall also apply to the additional risks.
Where the primary insurance liability terminates, the corresponding additional insurance liability terminates at the same time.
1. Additional external power grid failure and loss insurance
2. Add loss insurance of self-use charging pile
3. Additional liability insurance for self-use charging pile
4. Additional intelligent driver assistance software loss compensation insurance
5, additional fire accident limit doubled risk
6. Additional new energy vehicle value-added service special terms
