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上半年新能源商业车险保费超660亿元 同比增长逾四成
Zheng Quan Ri Bao·2025-07-22 16:49

Group 1 - The core viewpoint of the article highlights the significant growth in the new energy commercial vehicle insurance market, with a premium income of approximately 661.7 billion yuan in the first half of the year, representing a year-on-year increase of 41.44%, which is substantially higher than the overall industry growth rate of 3.27% [1][2] - The claims paid for new energy commercial vehicle insurance also saw a year-on-year increase of 33.32%, contrasting with a decline of 1.68% in overall industry claims, indicating an improvement in business risk [1][2] - The growth in new energy vehicle insurance premiums is primarily driven by the increase in new energy vehicle sales, with production and sales figures reaching 6.968 million and 6.937 million units respectively, both showing over 40% year-on-year growth [2][3] Group 2 - Despite the high growth rates, the year-on-year growth rate of new energy vehicle insurance premiums has slowed compared to 2024's projected growth of 52.93%, attributed to a larger premium base [3] - The article notes a trend of decreasing risk in new energy vehicle insurance, with the premium income growth outpacing claims growth by 8.12 percentage points in the first half of the year [4] - Factors contributing to the reduction in claims include improved risk management by insurance companies, enhanced safety features in vehicles, and better driving habits among owners [4][6] Group 3 - Policy implementations, such as the guidance issued by financial regulatory authorities in January, are expected to further improve the claims ratio in the new energy vehicle insurance sector [5] - The outlook for the second half of the year suggests continued rapid growth in new energy vehicle insurance premiums, supported by increasing sales and ownership of new energy vehicles [5] - The comprehensive cost ratio for new energy vehicle insurance is anticipated to decline due to various factors, including improved driving habits, enhanced vehicle quality, and ongoing technological advancements [6]