北京金融监管局：率先启动智驾车险开发应用 适配L2—L4全级别

Core Viewpoint - The Beijing Financial Regulatory Bureau has initiated the development of specialized commercial insurance products for intelligent connected new energy vehicles, aiming to optimize existing insurance frameworks to accommodate L2 to L4 level vehicles while maintaining stable pricing compared to current commercial vehicle insurance [1][2]. Group 1: Product Development and Implementation - The new insurance products will be tailored for L2 level assisted driving vehicles, initially applicable to new energy vehicles purchased in Beijing, allowing owners to choose between the new specialized products and existing vehicle insurance [1]. - For L3 and L4 level autonomous vehicles, the specialized products will be available for those legally tested or certified for road use in Beijing, with plans to gradually expand availability as operational data and claims experience are accumulated [1][2]. Group 2: Rationale and Industry Collaboration - The decision to base the new products on the existing vehicle insurance framework is driven by considerations of legal consistency, protection of victims' rights, and support for industry innovation, ensuring effective compensation for traffic accident victims [2]. - A specialized working group has been formed, including the China Insurance Industry Association and major insurance companies, to develop product terms, conduct rate calculations, and ensure scientific pricing [3].