Core Insights - The insurance premiums for new energy vehicles (NEVs) remain high compared to traditional fuel vehicles, despite some alleviation in issues like premium increases and renewal difficulties compared to the same period last year [1] - The NEV insurance market has seen significant growth, but the average premium for NEVs is still notably higher than that of fuel vehicles [1] - While some insurance companies have achieved profitability in NEV insurance, the overall industry still faces challenges, with many companies struggling to keep the comprehensive cost ratio below 100%, leading to potential losses [1] Industry Trends - The NEV insurance sector is expected to gradually resolve its underwriting loss issues as marginal effects become apparent, the existing market expands, and insurers improve their pricing capabilities [1] - The industry is anticipated to approach a break-even point, but further price reductions and quality improvements in NEV insurance will require breaking down data silos, restructuring pricing logic, reducing repair costs, and enhancing collaboration within the industry chain [1]
新能源汽车保费整体偏高 险企综合成本率难降
Zhong Guo Zheng Quan Bao·2025-08-19 00:21