众安保险：科技助力车险降本增效作用非常明显

Core Insights - ZhongAn Insurance is leveraging AI technology to enhance efficiency and reduce costs in its auto insurance sector, which has been independently operated for over a year [1] - The company has seen significant growth in its auto insurance premiums, achieving a total premium of 1.478 billion yuan in the first half of 2025, representing a year-on-year increase of 34.2% [1] - ZhongAn's comprehensive cost ratio improved to 91.2%, with a claims ratio of 65.1% and an expense ratio of 26.1%, indicating operational efficiency [1] Group 1 - The company has transitioned to independent operations for compulsory insurance in Shanghai and Zhejiang, with commercial auto insurance also being independently operated in Shanghai [1] - The implementation of a fully online claims process through a "one-click video claims" platform has significantly reduced costs, saving approximately 40% per case compared to traditional methods [2] - The average settlement time for claims under 10,000 yuan has been reduced by nearly 40%, now averaging just 25 minutes [2] Group 2 - In the new energy vehicle insurance segment, ZhongAn reported a premium growth of approximately 125.4% in the first half of 2025, with this segment accounting for over 18% of total auto insurance premiums [2] - The company anticipates that the proportion of new energy vehicle insurance premiums will approach 30% by the end of the year, driven by deeper collaborations with manufacturers and the development of new insurance products [3] - ZhongAn has introduced the "Zhongyanbao" extended warranty insurance for individual new energy vehicle owners to address repair costs beyond the original factory warranty [3]