Bei Jing Shang Bao·2025-09-02 13:16Group 1 - The core viewpoint of the articles highlights the rapid development of China's new energy vehicle (NEV) industry, which is increasingly focusing on overseas markets, leading to a new trend in NEV insurance expansion abroad [1][6] - The domestic insurance industry faced significant losses in the NEV insurance sector in 2024, with 31.05 million NEVs insured, generating premium income of 140.9 billion yuan, and incurring underwriting losses of 5.7 billion yuan [2][5] - In the first half of 2025, major insurers like China Pacific Insurance and Ping An Insurance reported profitability in their NEV insurance segments, with Ping An's premium income reaching 21.7 billion yuan, a 46.2% year-on-year increase [2][3] Group 2 - Factors contributing to the turnaround in profitability for some insurers include policy support for pricing optimization, collaboration with the industry to reduce costs, and an increase in premium scale to dilute costs [4][5] - The insurance industry is gradually identifying improvement paths for NEV insurance, with regulatory guidance issued to enhance quality and efficiency through data sharing and risk classification [5][6] - Major insurers are actively expanding their NEV insurance business overseas, with significant growth in NEV exports, which reached 1.06 million units in the first half of the year, a 75.2% increase [6][7] Group 3 - Challenges faced by insurers in the overseas market include differences in claims systems, regulatory environments, and risk characteristics compared to the domestic market [9][10] - Establishing a global supply network for parts and collaborating with local repair businesses are crucial for ensuring efficient and quality claims services in foreign markets [9][10] - The lack of historical data in local markets poses challenges for reasonable pricing and underwriting, necessitating the development of local data-driven pricing models [10]