year ago and after the New Year, I chatted with a friend and said that someone I knew rode an electric bike and hit someone, and I only compensated others for 80,000 yuan (it seems to be this number, I didn’t remember it too clearly, but the amount is not small. If I remember it wrong, don’t hit me). Then he turned around and asked me, "Do you have insurance on electric cars? Third-party liability insurance similar to cars?"
thought about it, and it seemed there was, but it seemed that there wasn't, hahaha! Then let’s talk about this topic!
Electric vehicles are indeed a means of transportation for many people to travel on a daily basis, but because the number of various vehicles and pedestrians on the road is now increasing, no matter what kind of transportation it is, there is a risk of accidents.
For cars, everyone knows that there is compulsory traffic insurance, and it contains third-party liability. In this way, in case of an accidental traffic accident, the insurance company can also bear the responsibility. But I seem to have heard of very few electric vehicles, so whether there is one or not?
First, let’s look at the definition of electric vehicles.
Currently, electric vehicles in my country are roughly divided into two categories: electric bicycles and electric motorcycles. electric bicycle is relatively small, with pedals, and cannot carry people; electric motorcycles are commonly known as "big electric bicycles". They look like women's motorcycles, with wide seats and can carry people.
Electric Vehicle New National Standard The recognition of electric bicycles is relatively strict, and the following conditions must be met:
. The speed is less than or equal to 25km/h;
2. The quality of the whole vehicle is less than or equal to 55kg;
3. It has the function of pedaling;
4. It has the functions of electric drive and electric assist;
5. The battery voltage shall not exceed 48V;
6. The motor power shall not exceed 400W.
. Electric vehicles exceeding the above provisions will be considered Electric motorcycle . It belongs to the category of motor vehicles. You need a motorbike license and certificate before the insurance company can compensate. Electric bicycles also need to be listed now.
So, before checking whether there is any relevant insurance, you need to figure out which type of "mount" you have, and then check whether our relevant documents and licenses are complete, and then find the corresponding insurance products. Otherwise, even if you have corresponding insurance and go on the road without a license, you will be rejected for compensation. Today we mainly talk about electric bicycles .
Secondly, let’s see if there is any insurance for electric bicycles.
To be honest, there are indeed not many insurances for electric bicycles. Although there are, the liability for protection is also weak. I have found a few, so let’s take a look together:
. People’s Property Insurance Electric Bicycle Liability Insurance
2. Dadi Property Insurance Electric Vehicle Accident Insurance
One-year short-term insurance, premium 50 yuan, including third-party accident insurance 20,000 yuan, third-party accident medical insurance 5,000 yuan, and insured tram seat insurance, death 5,000 yuan, medical expenses 2,000 yuan per person.
3. Alipay and Ping An Insurance jointly launched the battery car Changxingbao Accident Insurance
one-year short-term insurance, with a premium starting from 23.9 yuan, including 2,000 yuan of accidental medical expenses and 30,000 yuan of death and disability, as well as 30,000 yuan of personal third-party responsibility and 2,000 yuan of personal third-party accidental medical treatment.
4. Zhongyi Property Insurance two-wheeled electric bicycle third-party liability insurance
In addition to the above models, China Life Insurance also has one. If there are other models, you are welcome to leave a message to give you more choices.
, and personal accident insurance with personal liability is also a good choice.
Some excellent personal accident insurance products not only take into account the insured's own protection, but also take into account the damage liability for third parties, so a personal liability is set.The personal liability here means that the insured person shall bear the liability for compensation to the third party in accordance with the law for the death, physical injury or property losses caused by an accident.
products are also one-year short-term insurance, divided into package one to package five, the price starts at 150 yuan, which is relatively high compared to the previous ones, but the protection responsibilities are more complete. If the person whom the friend knew at the beginning bought the package five of this product in advance, it would feel much better...
Which one to choose depends entirely on your own needs and preferences. If we don’t have accident insurance, I suggest choosing the last product.
With insurance products, not all cases can be compensated.
Any contract has a disclaimer, and for electric bicycles, it is naturally no exception. Those that do not comply with the law (such as the insured's violation of traffic rules, participate in dangerous events, use of prohibited drugs, etc.) will not be compensated.
Different products may differ for certain details of the contract agreement, but the situation will generally not be much different. When you actually choose a product, you can also pay more attention to the differences to see if you care about certain aspects, so as not to choose what you don’t meet your needs.
last
Judging from the previous products, no matter which one is, compared with the third responsibility of the car, it is a low-end version. If a person dies, it is definitely not enough, but it is still OK to deal with minor injuries.
In addition, to ensure that insurance companies make claims, we must first ensure that our driving behavior is standardized and try to be licensed. If you are really worried about this risk, it is also good to choose this type of insurance as a supplement, especially for delivery guys and office workers.
Finally, I would like to remind everyone: be sure to pay attention to safety, abide by traffic rules, and slow down appropriately.
