Focus on identifying cars 3 15: buying new energy auto insurance in this way saves money without losing money.

With the vigorous promotion of new energy vehicles in China, the rapid growth of sales volume has not only brought about a significant increase in penetration rate, but also exposed related problems of new energy vehicles, especially various spontaneous combustion and fault events. Many car owners are in an awkward position about how to choose insurance after buying new energy vehicles, because there are obviously some differences in the choice of insurance compared with fuel vehicles. Today, let's take stock of which insurances are worth choosing.

Because new energy vehicles are very different from fuel vehicles in structure, in the past, the barriers of vehicles were concentrated in the traditional three parts, including engine, gearbox and chassis. After entering the electrification era, the three electric systems of new energy vehicles have replaced the three parts of fuel vehicles, mainly including motors, batteries and electronic control systems. Obviously, the relevant insurance clauses of insurance companies are still set according to the standards of fuel vehicles, and there will be some problems.

Because the development of new energy vehicles is not fully mature, the failure rate is higher than that of fuel vehicles, especially in the fields of batteries and electronic control. When an accident occurs, it is not only easier to spontaneously ignite, but also may cause vehicle damage or casualties. In addition, once the battery is damaged, it is difficult to repair it later, and it is also difficult to replace it intelligently, which is a bigger expense for insurance companies. In addition, the problems of electronic control system can not be ignored, and there are various difficulties in accident identification.

In response to the above problems, insurance companies have also introduced exclusive insurance clauses for new energy vehicles. Shortly after the release of the terms, some owners of new energy vehicles also found that their premiums had been raised, and most owners reported that the increase was around 20%-80%. Although the economy of new energy vehicles is more obvious than that of fuel vehicles in normal use, in the face of rising premiums, some car owners complain bitterly that "the fuel cost saved in one year is not enough to pay insurance", so how to avoid pits in insurance is very important.

For new energy vehicles, the first thing you need to buy is compulsory insurance. After all, it is compulsory auto insurance paid by the state. Whether it is the casualty of a third party, the loss of the other party's vehicle, or medical expenses, compulsory insurance will pay for claims, but if you are injured or your car crashes, compulsory insurance will not play much role, so you must buy it together with commercial auto insurance.

At present, major insurance companies have launched new energy exclusive auto insurance, which is divided into two parts: main insurance and additional insurance. Among them, the main insurance is consistent with the fuel vehicle, which is divided into new energy vehicle loss insurance, new energy vehicle third party liability insurance and new energy vehicle driver liability insurance. Among the additional risks, in addition to the special clauses with absolutely no odds, separate wheel loss insurance, new equipment loss insurance, special supervision of new energy vehicle value-added services, car body scratch loss insurance, compensation insurance during repair, cargo liability insurance on board, mental damage liability insurance, legal holiday limit doubling insurance and medical insurance, three categories of medical expenses liability insurance have been added this time, but some types of insurance need not be purchased.

Among the additional risks, the external power grid failure loss insurance refers to the direct loss caused by the external power grid failure of the insured new energy vehicle, which is not included in the exemption scope. The insurance company is responsible for compensation according to the insurance contract. Because new energy vehicles are prone to failure during charging, it is necessary to purchase this insurance.

The new self-use electric pile loss insurance and self-use charging pile liability insurance are suitable for car owners with self-use electric piles. Because the insurance clause clearly stipulates that the self-use charging pile with the address stated in the insurance policy and meeting various standards belongs to the insured, the insurer does not need to buy the self-use charging pile due to natural disasters, accidents, theft or damage by others, and it is calculated according to the actual loss within the insured amount of this additional insurance.

Another suggested additional risk is medical expense liability insurance other than medical insurance. At present, traffic accidents are frequent due to the failure of new energy vehicles. Once an accident occurs, it is easy to cause great harm to outsiders and people inside the vehicle. Therefore, it is necessary to supplement an additional medical expense, and it is suggested to increase the allocation of medical expense liability insurance in addition to medical insurance. In addition, there are two kinds of insurance that can be purchased according to the needs of car owners. It is suggested that private cars are not enough to insure cargo liability insurance on board. If it is a company car or a new energy car, the owner can choose according to his personal needs. In addition, he often drives out on holidays, and the legal holiday limit can be doubled.

In addition to the above types of insurance, it is not recommended to purchase special clauses of absolute deductible, wheel loss insurance, new equipment loss insurance, special provisions on value-added services of new energy vehicles, car body scratch loss insurance, compensation insurance for expenses during repair, mental damage liability insurance and medical expenses liability insurance other than medical insurance.

Summary:

With the development of new energy vehicles, major insurance companies have also optimized their insurance coverage. The new types of insurance are highly targeted, but it is still not recommended to buy some types of insurance in the additional insurance. Of course, if you are a local tyrant or want to get all-round peace of mind, it is not bad to choose all kinds of insurance.

This article comes from Mars, the author of Easy Car, and the copyright belongs to the author. Please contact the author in any form. The content only represents the author's point of view and has nothing to do with the car reform.