网约车保费贵、投保难，给网约车从业者带来不小压力—— 如何破解“车主喊贵、险企喊亏”（金台视线）

Core Viewpoint - The ride-hailing industry is facing significant challenges due to rising insurance premiums and difficulties in obtaining coverage, particularly for electric vehicles, which is impacting the stability and growth of the sector [1][4][8]. Group 1: Insurance Premium Trends - Insurance premiums for electric ride-hailing vehicles have been increasing significantly, with some drivers reporting annual premiums rising from 8,500 yuan to 9,800 yuan, a more than 15% increase [3][4]. - Drivers have reported that the cost of insurance for electric vehicles is often much higher than for traditional fuel vehicles, with some premiums reaching as high as 25,000 yuan per year for certain models [3][4]. - The insurance market for ride-hailing is limited, with most coverage concentrated among a few major insurers, leading to high premiums and strict underwriting conditions [3][4][6]. Group 2: Challenges in Obtaining Insurance - Many ride-hailing drivers face difficulties in obtaining insurance, with some insurers refusing to cover high-risk vehicles or charging exorbitant rates [2][4][6]. - A significant number of drivers resort to purchasing non-operational insurance to avoid high premiums, which can lead to denied claims in the event of an accident [6][7]. - The lack of comprehensive data on driver behavior and vehicle usage patterns contributes to the inability of insurers to accurately assess risk, leading to higher premiums [5][10]. Group 3: Regulatory and Industry Responses - Regulatory bodies are recognizing the need for a balanced approach to address the high costs and risks associated with ride-hailing insurance, suggesting the establishment of a risk-sharing mechanism and optimization of pricing strategies [8][9]. - Recent initiatives include the launch of platforms to facilitate direct insurance purchases for electric vehicle owners, aiming to reduce intermediaries and improve access to affordable coverage [9]. - Experts recommend the development of a multi-dimensional pricing model that incorporates real-time driving data to better reflect the risk associated with ride-hailing operations [10][11].