New energy vehicles exclusive insurance new debut, the insurance companies scramble to launch
With the popularity and development of new energy vehicles, more and more areas of life can be seen in the new energy vehicles related to the changes in the insurance industry on December 27, launched an exclusive new energy vehicles insurance program. According to relevant reports, PICC Property and Casualty Insurance, Ping An Property and Casualty Insurance, Taibao General Insurance, etc. have successfully signed a new energy automobile insurance policy, and become the first batch of companies in the industry to use the new terms to underwrite new energy automobile insurance business.
The new energy auto insurance trading platform is located in the new energy auto insurance exclusive product services, integrated transaction service platform, the front-end for insurance consumers to provide insurance, query services, reduce transaction costs; back-end in conjunction with the relevant units, through the docking of big data platforms, to provide risk management, product innovation, data **** enjoyment, transaction monitoring and other ancillary services.
According to the official report, Shanghai Insurance Exchange will also explore the integration of upstream and downstream institutions and elements of the industry chain, give full play to the role of the market, promote the rational allocation of resources, and build a new digital insurance ecosystem suitable for the development of new energy automobile insurance through the construction and operation of industry-level new energy automobile insurance trading platform. Specifically, on the one hand, actively study and promote the platform's cooperation with new energy vehicle OEMs, big data platforms, batteries, charging and other related service providers, as well as upstream and downstream industrial chain cooperation such as Internet traffic platforms, to explore the realization of cross-border, centralized and efficient data interconnections and resource docking to help the industry build the standard of claims and value-added services, and to form a collaborative ****-win benign interaction;
On the other hand, to explore and study the development of new energy vehicle insurance for the industry.
The new energy auto insurance products released this time, the insurance responsibility is further enlarged, more adapted to the characteristics of new energy vehicles, not only considering the risk of spontaneous combustion of new energy vehicles, but also the risk of damage to the "three electrics" (i.e., batteries, motors, and electronic control). In the event of an accident (including spontaneous combustion) that occurs while driving, parking or charging a new energy vehicle and its core "three electrics", the vehicle will be eligible for commercial insurance coverage.
At the same time, the insurance also set up an exclusive additional insurance for new energy vehicles, "fire accident limit doubling insurance", that is, the insured new energy vehicle third-party liability insurance, the applicable limit of liability in the insurance policy on the basis of doubling. According to the current third party liability insurance of up to 10 million yuan to calculate, the new energy vehicle fire accident limit doubling insurance, up to four times, to meet the owner of the fire pay claims demand.
But because the premium will be based on whether the new energy car traffic violations, the number of times the insurance, etc., so the specific premium is still based on each new energy car owners according to their own situation to judge.