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With the continuous increase of the number of new energy vehicles in China, integrated vehicle insurance products are difficult to fully meet the risk management needs of new energy vehicles. It is also imperative to introduce relevant insurance clauses and products for new energy vehicles. According to the relevant data, the number of new energy vehicles in China has reached 6.03 million from January to June in 2021, and this number is expected to increase by 2030. A few days ago, the China Insurance Industry Association issued a notice of "soliciting opinions on the exclusive terms of commercial insurance for new energy vehicles".

The contents of which are described in detail for the insurance loss clauses concerned by the owners of new energy vehicles. With regard to the electric vehicle fire that cars are most worried about, the opinion draft has also set up exclusive additional insurance for new energy vehicles. Its contents include additional external power grid failure insurance; additional self-use charging pile loss insurance; additional self-use charging pile liability insurance; additional intelligent driving software loss compensation insurance; additional fire accident limit doubling insurance; additional new energy vehicle proliferation service special terms.

It is worth noting that whether the vehicle is charged or parked normally, if it catches fire and spontaneous combustion, it will not only cause damage to its own vehicle, but also easily cause third party casualties or losses. Once a third party is involved, for example, the spontaneous combustion of the car ignites several cars nearby, or the whole house is ignited, the amount of property loss is often huge, which may exceed the compensation limit for the purchase of car insurance. Therefore, the draft also aims at the fire accidents of new energy vehicles, especially introducing the insurance of doubling the fire accident limit. If the fire of a new energy vehicle is only a third party's personal injury or direct damage to property, it shall be subject to the liability of a third party according to law, and it does not belong to the scope of exemption of the insurer, the liability limit applicable to the insured new energy vehicle third party liability insurance is doubled on the basis of the insurance policy, which is divided into 2 times, 3 times and 4 times of the main liability limit, which shall be determined through consultation between the applicant and the insurer at the time of insurance. According to the current maximum insurance amount of 10 million yuan for three liability insurance, the fire accident limit of new energy vehicles can be doubled by up to 4 times, and the insured amount of 40 million yuan can be insured to meet the claim needs of car owners due to fire.

In addition, there is additional intelligent driving assistance software loss compensation insurance in the draft. The insurance liability is that the accident within the scope of the main insurance liability results in all losses and the intelligent driving assistance software cannot be used, and the insurer shall calculate the compensation within the insured amount of this additional risk as stated in the insurance policy. It means that if the vehicle is completely damaged by an accident and the intelligent driving assistance function purchased separately by the car owner cannot be used, it will also be covered by insurance. For example, when the car owner bought a Tesla Model 3, he also bought a 64000 yuan FSD driving kit. If the car is in an accident, the insurance company will give you a claim for total loss. If the car owner buys "additional intelligent driving assistance software loss compensation insurance", the insurance company will also settle the claim for the FSD software purchased, the specific amount of compensation, the amount determined by the insurance company.

From the introduction of the "exclusive provisions for commercial insurance of new energy vehicles", it will also play a certain role in promoting the development of new energy vehicles. In addition, the draft also covers the problem of spontaneous combustion that car owners are worried about. With the introduction of the insurance clause, the rights and interests of new energy vehicle owners will also be better protected.

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