前三季度新能源商业车险保费收入超千亿元

Core Insights - The domestic new energy commercial auto insurance premium has exceeded 100 billion yuan, reaching 108.79 billion yuan, with a year-on-year growth of 36.6%, significantly higher than the overall auto insurance premium growth of 3.21% [1][2] - The growth in new energy commercial auto insurance premiums is closely linked to the sales structure of new vehicles, with new energy vehicle sales accounting for 46.1% of total new vehicle sales in the first three quarters [2] - Despite the rapid growth, the profitability of new energy auto insurance remains a challenge for the industry, with some large insurers reporting profitability while the overall sector still faces significant pressure [4][5] Industry Growth - In the first three quarters, the effective claim cases for the overall auto insurance industry increased by 2.5%, while the effective claim cases for new energy commercial auto insurance grew by 36.2% [3] - The total claims paid for new energy commercial auto insurance reached approximately 55.22 billion yuan, reflecting a year-on-year increase of 33.8% [3] - The overall claims and payout growth rates for both the auto insurance sector and new energy auto insurance are lower than the premium growth rates, indicating improved loss ratios [3] Profitability Challenges - While some major insurers have entered a profitable phase in new energy auto insurance, the industry as a whole still faces significant challenges in achieving profitability [4][5] - The current pricing mechanisms for new energy auto insurance limit the ability to adjust rates based on risk, contributing to ongoing profitability pressures [5] - Market reforms are underway to enhance the pricing flexibility for new energy auto insurance, which is expected to align pricing with risk characteristics more effectively [5]