金台视线丨如何破解“车主喊贵、险企喊亏”

Core Insights - The ride-hailing industry has become a significant mode of transportation with over 500 million users, contributing to convenience and job creation, but faces challenges such as high insurance premiums and difficulties in obtaining coverage [1] Insurance Premium Trends - Insurance premiums for new energy ride-hailing vehicles have been rising significantly, with some drivers reporting increases of up to 30% year-on-year [2][3] - For example, a driver in Nanjing saw his insurance premium rise from 6500 yuan in 2024 to 8500 yuan in 2025, reflecting a 30% increase [2] - Another driver in Beijing experienced a premium increase from 8500 yuan to 9800 yuan, exceeding 15% [3] Challenges in Obtaining Insurance - Many insurance companies are reluctant to insure ride-hailing vehicles, particularly new energy models, due to perceived high risks, leading to limited options for drivers [4] - Some drivers have reported being unable to find alternative insurance providers, resulting in reliance on existing policies despite high costs [2][4] - A significant number of ride-hailing vehicles are reportedly insured under non-operational policies, which can lead to high rejection rates for claims [6] Regulatory and Industry Responses - Regulatory bodies are recognizing the challenges faced by ride-hailing drivers and are pushing for insurance companies to fulfill their social responsibilities [4][8] - Recent guidelines from multiple government departments aim to reform and enhance the insurance landscape for new energy vehicles, including establishing risk-sharing mechanisms and optimizing pricing structures [9] Recommendations for Improvement - Experts suggest developing a multi-dimensional pricing model that incorporates dynamic data such as driving behavior and operational conditions to better match insurance costs with actual risks [10][11] - There is a call for improved collaboration between financial regulators, transportation authorities, and insurance companies to create a comprehensive risk assessment platform [11] - Initiatives to incentivize safe driving behaviors through differentiated insurance rates could promote a safer driving culture among ride-hailing drivers [11]