网约车保费贵、投保难 如何破解“车主喊贵、险企喊亏”

Core Insights - The article discusses the challenges faced by ride-hailing drivers regarding high insurance premiums and difficulties in obtaining coverage, particularly for electric vehicles, which are significantly impacting the industry [1][4][7]. Group 1: Insurance Premiums and Challenges - Ride-hailing drivers report that insurance premiums for electric vehicles have increased significantly, with some drivers facing annual premiums as high as 14,000 yuan, compared to previous rates of around 8,500 yuan [2][3]. - The insurance companies classify many electric vehicles as high-risk, leading to higher premiums and limited options for drivers seeking coverage [4][5]. - A significant number of ride-hailing drivers are forced to operate without proper insurance or resort to non-commercial insurance, which can lead to high rejection rates for claims [5][6]. Group 2: Industry Impact and Regulatory Response - The rising insurance costs and difficulties in obtaining coverage are causing some drivers to exit the ride-hailing industry, which threatens the stability and growth of the sector [7][8]. - Regulatory bodies are responding by proposing reforms to improve the insurance landscape for electric vehicles and ride-hailing services, including the establishment of risk-sharing mechanisms and optimizing pricing structures [8][10]. - Experts suggest that a more dynamic pricing model based on driver behavior and vehicle usage could help align insurance costs with actual risk, potentially lowering premiums for safe drivers [9][10].