Recently, The China Insurance Industry Association Announced That In Order To Better Safeguard The Legitimate Rights And Interests Of Electric Motorcycle Insurance Consumers, Enhance The Insurance Guarantee Ability And Improve The Service Level Of Electric Motorcycles, Under The Guidance Of The Property And Insurance Supervision Department Of The China Banking And Insurance Regulatory Commission, The Insurance Industry Association Conducted In-depth Research, Widely Solicited Opinions And Seriously Carried Out Calculation, Completed The Underwriting Practice Of Electric Motorcycles (Trial). Underwriting Practice Was Officially Released Today**
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First, Further Clarify The Types Of Electric Motorcycles That Consumers Can Insure At Present. According To The Technical Conditions For Safe Operation Of Motor Vehicles (national Standard Of The People's Republic Of China Gb7258-2017) And General Technical Conditions For Electric Motorcycles And Electric Mopeds (GB / T24158-2018):
In Underwriting Practice, It Is Clear That Electric Motorcycles Refer To Two Or Three Wheeled Vehicles Driven By Electricity Within The Territory Of The People's Republic Of China (excluding Hong Kong, Macao And Taiwan) Electric Motorcycles Include Electric Mopeds And Electric Motorcycles, Excluding Electric Bicycles. Clarify The Current Insurance Coverage Of Electric Motorcycles
Second, Further Unify The Premium Rate Standard For Consumers. The Underwriting Practice Integrates The Relevant Technical Specifications Of National Electric Motorcycles And The Risk Status Of Different Types Of Electric Motorcycles. At Present, Electric Motorcycles Are Divided Into Three Grades According To Power And Maximum Design Speed:
Respectively, The Power Is Not Greater Than 4K W And The Maximum Design Speed Is No More Than 50km / H; The Power Is Greater Than 4kw, Less Than 8kw (including 8kw) Or The Maximum Design Speed Is Greater Than 50km / H; Electric Tricycle With Power Above 8kw The Implementation Rate Of Compulsory Insurance And Commercial Insurance Of Three Gear Electric Motorcycle Shall Be Consistent With The Corresponding Displacement Gear Of Fuel Motorcycle
Third, Further Standardize The Online Service Process Of Consumers. Underwriting Practices Encourage Companies To Accelerate Online Transformation, Promote Insurers To Standardize Online Insurance Channels Such As Mobile Applications And Wechat Official Account, And Provide Full Process Online Insurance Services For Policyholders.
Enhance The Availability And Convenience Of Consumer Insurance Services, Improve The Service Coverage Rate, And Standardize The Requirements For The Authenticity, Accuracy And Safety Of Insurance Information.
Fourth, Further Sort Out The Key Points Of Consumer Insurance Information. Based On The Traditional Auto Insurance Underwriting Practice, The Underwriting Practice Straightens Out The Key Points Of Consumer Insurance Information.
It Focuses On Standardizing The Description And Notification Of Traffic Compulsory Insurance And Commercial Insurance, As Well As The Filling And Entry Of Insurance Forms, Combs The Key Index Items Of Electric Motorcycles, And Requires Insurance Companies To Accurately And Completely Enter All Information Of Insurance Forms In The System, Unify Industry Information Collection Standards, And Improve The Efficiency Of Underwriting And Issuing Insurance Forms In The Industry.