从“制造出口”到“体系出口” 新能源车出口迎保险保障护航

Core Insights - The article highlights the challenges faced by Chinese electric vehicle (EV) manufacturers in overseas markets, particularly regarding insurance costs and services [1][2][3] - A significant breakthrough has been achieved with the launch of the first batch of EV insurance in Thailand, marking a key development in the internationalization of China's insurance services [2][3][5] Group 1: Insurance Collaboration and Market Entry - China Pacific Insurance (CPIC) has partnered with Mitsui Sumitomo Insurance and several domestic EV manufacturers to implement a comprehensive insurance solution for EVs exported to Thailand [2][3] - The insurance project covers nearly 1,000 EVs and includes vehicle damage insurance, third-party liability insurance, and local traffic compulsory insurance [2][3] - The collaboration aims to provide full risk protection for Chinese EV manufacturers as they expand into the Thai market, with plans for future local production and operations [2][4] Group 2: Growth of EV Exports and Insurance Demand - In the first half of the year, China's automobile exports reached 3.083 million units, a year-on-year increase of 10.4%, with EV exports growing significantly to 1.06 million units, up 75.2% [2][3] - The rising number of exported EVs has highlighted the need for corresponding insurance services, as evidenced by higher insurance premiums for Chinese EVs compared to traditional fuel vehicles in markets like Australia and the UK [2][3] Group 3: Challenges in Overseas Insurance Operations - High insurance premiums for EVs in Thailand are partly due to local insurers lacking pricing experience, which has dampened consumer enthusiasm for purchasing EVs [3][6] - The insurance industry faces multiple challenges in expanding overseas, including adapting to diverse regulatory environments, local driving habits, and establishing localized service networks [6][7] - Building operational capabilities in foreign markets is crucial for insurance companies, necessitating collaboration with local firms and the development of a comprehensive service network [7] Group 4: Strategic Importance of Overseas Insurance - The move to provide insurance for exported EVs is seen as a strategic necessity for domestic insurers, especially as competition in the domestic market intensifies [5][6] - The integration of insurance services with the export of EVs is essential for creating a complete industry chain, as the demand for insurance services grows alongside the increasing intelligence and localization of exported vehicles [4][5]