Measures of China Municipality on Urban Financial Insurance and Household Photovoltaic Insurance

Photovoltaic power plants will run for 25 years, during which accidents will inevitably occur.

1) natural disasters.

In recent years, the frequency of extreme climate in China has increased. Tornadoes, floods, snowstorms, etc. , will bring great harm to the power station. Not long ago, it was reported that the loss caused by the tornado in Yancheng, Jiangsu Province and the flooding of Macheng photovoltaic power station in Hubei Province seriously threatened the long-term stable production of photovoltaic power stations.

2) accidents.

Due to design, construction, maintenance and other reasons, photovoltaic power station fires have also occurred many times.

However, how to buy insurance, what kind of insurance is needed, and how to minimize the loss through insurance claims when a disaster occurs?

I. Classification of photovoltaic power station insurance

1 property insurance

1) direct loss insurance

Property all risks: Insure direct property losses caused by natural disasters and accidents in photovoltaic power plants.

2) Indirect loss insurance

Business interruption and extra cost insurance: covering indirect losses caused by natural disasters and accidents, including the loss of expected power generation and subsidies and the increase of fixed costs.

3) Project delay insurance

Insure the indirect losses caused by the delayed completion of photovoltaic power station construction period, including the increase of loan interest and fixed cost.

2 Liability insurance

1) Commercial comprehensive liability insurance

Insure commercial liability risks other than employer liability and motor vehicle liability, including losses caused by liability risks such as site, operation, products and project completion.

2) Blanket liability insurance

The over-compensation policy of commercial comprehensive liability insurance provides high liability risk protection for photovoltaic power plants.

3 quality assurance insurance

1) photovoltaic module quality assurance insurance

Provide 25-year maintenance and replacement guarantee for photovoltaic modules caused by defects in materials and manufacturing processes.

2) photovoltaic system guarantee insurance

Provide 10 year maintenance and replacement guarantee for defects in materials and manufacturing processes of photovoltaic systems (including inverters, junction boxes and tracking systems). ).

Second, what insurance do you need to buy?

1 Risks in operation

Judging from natural disasters and accidents, photovoltaic power plants can avoid their own losses by insuring "property all risks", and we need to pay attention to some special risks in the insurance policy; At the same time, it is suggested to consider taking out "business interruption insurance" to transfer the loss of power generation income caused by the above accidents.

For rooftop distributed power stations (especially leasing or EMC), special consideration should be given to the losses caused to third parties (including roof owners) during the operation of power stations, and "public liability insurance" is required.

2 risks in the construction process

Many people think that EPC should be responsible for the risks in the process of project construction. Actually, it's not like this. Once an accident happens, both the project owner and EPC will bear considerable losses. It is recommended to cover all risks of construction and installation projects.

3 abstract

Insurance costs money!

Insurance is to bring the greatest protection with the least money! Each project should be analyzed in detail, where are the risks, which risks do not need special consideration, which risks can be passed on to third parties, and how to set reasonable insurance amount and liability limit.

Three. Matters needing attention in purchasing insurance

There is a wrong idea that as long as the insurance is insured, the insurance company will definitely compensate, which is not the case at all.

1 Comply with relevant laws and regulations.

The policy clearly stipulates the "obligations of the applicant/insured", one of which is that the premise of policy payment is that the applicant/insured abides by the corresponding laws and regulations.

This scope is very wide, including design, material procurement, construction, operation and maintenance. "Insured/Insured" has complied with relevant state regulations. For example, the flood control design in different regions/geographical locations should meet the relevant requirements, and lowering the design standard in order to reduce the cost is likely to cause the insurance company to refuse to pay compensation. Insurance companies are not charitable organizations, and there are certain requirements when underwriting.

2 How to solve the claim

For the "insured/insured", it is necessary to actively do several things:

1) Report the case at the first time and notify the insurance company to come for investigation;

2) Take active measures to reduce losses;

3) Collect all loss evidence in time so as to communicate with the company in the future;

4) Hire a third-party professional "insurance consultant" to assist in handling large compensation cases.

Fourth, the claim case.

The picture below shows a photovoltaic insurance claim report and loss determination agreement in Chancheng District, Foshan City, Guangdong Province. The insurance claim form clearly shows the insured amount, claim amount and accident profile, and truly shows the whole process of photovoltaic power station claim.

The first step of claim settlement: complete the survey report.

Through the above Property Insurance Investigation Report of China PICC Property Insurance Foshan Branch, we can learn that:

1) Li Sheng insured its photovoltaic power station with comprehensive family property insurance, with a premium of 2,400 yuan and a maximum payment of 400,000 yuan. The insurance period is 10 year.

2) On April 2016 17, the distributed photovoltaic power generation equipment in Luoge Village of Lisheng Nanzhuang was partially damaged due to strong convective weather, and Li Sheng reported the case on June 19.

3) The accident happened at the top of a building in Chancheng District, Foshan City, Guangdong Province. The distributed photovoltaic power generation system installed by the insured was confirmed on site, and it was confirmed that the whole power generation system was composed of 26 photovoltaic panels, of which 5 photovoltaic panels were damaged due to strong convective storm and needed to be replaced.

4) The insurance company made a liability analysis: according to the meteorological disaster report issued by Foshan Meteorological Bureau, it was confirmed that the accident was within the insurance coverage of the policy.

5) Loss adjustment: The insured claims the repair cost of 6,600 yuan in this accident, including the material cost of each photovoltaic panel 1 100 yuan, 5 * * * 5,500 yuan, and the transportation and replacement labor cost of1/00 yuan. According to the repair budget, the photovoltaic system cost is 36,055 yuan. In addition, after market price investigation, the insured reported a reasonable loss. Therefore, the loss of the insured in this accident is 6600 yuan.

6) This policy has a certain deductible, and the absolute deductible for each accident is 200 yuan or 5%, whichever is higher. Calculated compensation amount = target loss-deductible =6600 yuan *( 1-5%)=6270 yuan. This is the whole process of Li Shengjia's photovoltaic power station getting a claim of 6270 yuan after the storm.

The second step of claim settlement: complete the fixed loss agreement.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.