Group 1 - The emergence of "smart driving insurance" is a response to the increasing concerns about accident liability and risk protection as smart driving technology advances [2][3] - Xiaopeng Motors has launched its "smart driving insurance" at an annual price of 239 yuan, offering coverage up to 1 million yuan for accident losses, with no limit on the number of claims within a year [3][4] - The insurance includes a unique feature that extends coverage for 5 seconds after the NGP (Navigation Guided Pilot) system disengages, addressing the average driver reaction time of 3 seconds [3][4] Group 2 - Huawei has also entered the smart driving insurance market, offering a "Smart Driving Worry-Free" service valued at 4,000 yuan, providing coverage up to 3 million or 5 million yuan for various driving scenarios [4] - The insurance industry is actively developing tailored insurance products for smart driving, incorporating vehicle operation data into risk assessment and optimizing claims processes for smart driving accidents [4][5] - The introduction of smart driving insurance is seen as a necessary evolution to address the complexities of liability in accidents involving smart vehicles, as traditional insurance models struggle to adapt [7][8] Group 3 - Consumers are increasingly confident in using smart driving features due to the availability of smart driving insurance, which alleviates financial burdens in case of accidents [8][10] - The competition in the smart driving technology sector is shifting from performance to user experience and service guarantees, with smart driving insurance becoming a key differentiator for automakers [8][10] - Ideal smart driving insurance should offer high cost-effectiveness, comprehensive coverage, and streamlined claims processes, catering to the diverse needs of consumers [11]

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].

Core Viewpoint - Xiaopeng Motors has launched its intelligent driving assistance service, providing "Smart Driving Insurance" for users of its AI-assisted driving system, which includes coverage even after the NGP exits for 5 seconds [1] Group 1: Product Launch - The "Smart Driving Insurance" is now available for Xiaopeng car owners, enhancing the safety and security of using the AI driving feature [1] - The insurance is offered in collaboration with five major insurance companies in China, including PICC, Ping An, Pacific Insurance, China United Insurance, and Sunshine Insurance [1] Group 2: Pricing and Accessibility - The annual cost for the "Smart Driving Insurance" is set at 239 yuan, making it accessible for a wide range of customers [1] - The insurance is available for all models of Xiaopeng vehicles, catering to both new and existing car owners [1]