随着汽车智能化进程的加速，智能辅助驾驶功能在提升驾驶便利性的同时，也引发了人们对于事故责任界定和风险保障的关注。在此背景下，智驾险 应运而生。 近日，剧透很久的小鹏智能辅助驾驶服务正式上线，为使用小鹏AI智能辅助驾驶的车主提供"智驾险"保障。同时，小鹏汽车还宣布，这次推出的智驾 险是行业唯一提供NGP退出后5秒内仍可享受权益的产品。小鹏此次推出的低价、高保障的智驾险，为用户吃下"定心丸"，也让智驾险这一新兴保险品类 再次成为关注的焦点。 车企押宝"智驾险"新赛道 在智能驾驶技术迭代加速、竞争白热化的当下，车企与保险公司敏锐捕捉行业痛点，纷纷锚定智能驾驶保险这一赛道。 以小鹏"智驾险"为例，定价仅每年239元，车主便能享受诸多权益。从保障额度看，最高可获100万元赔付，为事故损失兜底。而且覆盖范围极广，行 车场景中的导航辅助驾驶NGP、车道巡航辅助LCC，以及泊车场景里的智能泊车APA等常用功能都被纳入其中，无论是日常通勤、高速行驶，还是停车入 位，都有保障。同时，赔付不限次数，一年内多次事故均可理赔，并且小鹏全车系、新老车主均可购买，不受车型与购买时间限制 。 此外，还有最受关注的"NGP退出后5秒权益延续" ...

Core Viewpoint - Xiaopeng Motors has launched its "Smart Driving Insurance" service, providing coverage for users of its AI-assisted driving system, emphasizing safety and accessibility for all vehicle owners [1][3]. Group 1: Product Launch and Features - The "Smart Driving Insurance" is available for an annual fee of 239 yuan and can be purchased by both new and existing owners across all Xiaopeng vehicle models [1][3]. - The insurance covers multiple scenarios, is offered in collaboration with leading insurance companies, and allows for unlimited claims [3]. Group 2: Purchase Process and Conditions - To purchase the insurance, customers must first buy mandatory and commercial insurance through Xiaopeng's official channels, and then they can access the "Smart Driving Insurance" within three days [3]. - Purchases made through other channels or prior to the official insurance purchase are currently not eligible for this service [3]. Group 3: Industry Context and Safety Measures - The recent focus on intelligent assisted driving has been highlighted by a meeting organized by the Ministry of Industry and Information Technology, emphasizing the need for safety and clear communication from manufacturers [3]. - Xiaopeng Motors has been proactive in enhancing safety measures, including initiatives like the "New Driver Exam" for AI-assisted driving and safety training camps [4].

4月28日，小鹏智能辅助驾驶服务正式上线，为使用小鹏AI智能辅助驾驶的车主提供"智驾险"保障。其 中，该保险在小鹏NGP退出后5s内仍能享受保障。本次小鹏"智驾险"合作涵盖中国人保、平安保险、太 平洋保险、中华保险、阳光保险等头部五家保司，购买费用为239元/年，小鹏全车系、新老车主均可购 买。 ...