To meet the diversified demands of the market, new energy vehicles will have exclusive insurance

China Consumer News (reporter Nie Guochun) recently, at the new energy automobile insurance development exchange meeting held by China Insurance Industry Association, Zhu Jinyuan, President of China Insurance Association, revealed that China Insurance Association will launch professional research on the formulation of exclusive terms, risk pricing and claim settlement technology of new energy automobile insurance, increase the supply of insurance products, and meet the diversified insurance demand of market and consumers.

Because traditional vehicles and new energy vehicles have big differences in performance and different risk outbreak points, some insurance experts said that the standard of traditional automobile insurance rate has not adapted to the needs of new energy vehicle differentiated risk matching, and it is urgent for exclusive insurance products to make up for the risk exposure. "With the rapid development of new energy vehicle industry, the insurance business of traditional fuel vehicles has become increasingly unable to meet the differentiated needs of new energy vehicles, and enterprises and consumers are increasingly concerned about new energy vehicle premiums and claims." He Hao, deputy director of the property insurance supervision department of the CIRC, said that as an important part of the automobile aftermarket, the new energy automobile insurance market will also be driven to become an emerging market segment in automobile insurance, so as to better meet the vehicle security needs of new energy owners. In addition, in view of the fact that the technical maturity of the new energy vehicle industry chain has not been fully confirmed by consumers, the new energy vehicle exclusive extended warranty insurance and charging pile insurance will also face huge market demand.

 The introduction of the model pricing model, the construction of the model standard database of the insurance industry and the establishment of the insurance industry rate calculation system make it possible to study the vehicle structure and risk characteristics of new energy vehicles and the formation mechanism of the market-oriented rate of new energy vehicles.

It is reported that Zhongcheng insurance is carrying out relevant research on new energy automobile insurance. For example, we will work with automobile manufacturers to promote research on battery extension, battery accident liability guarantee and other topics, and strive to provide new energy owners with more suitable and comprehensive support.

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