前三季度新能源商业车险保费收入超千亿 新能源商业车险保费收入大增
Zheng Quan Ri Bao·2025-10-25 01:40

Core Insights - The domestic new energy commercial auto insurance market has seen significant growth, with premiums exceeding 100 billion yuan, reaching 108.79 billion yuan, a year-on-year increase of 36.6% [1][2] - The growth rate of new energy commercial auto insurance premiums is substantially higher than the overall auto insurance premium growth rate of 3.21% [1][2] - The increase in new energy vehicle insurance premiums is closely linked to the sales structure of new vehicles, with new energy vehicles accounting for 46.1% of total new vehicle sales [2] Market Performance - In the first three quarters, the overall auto insurance industry reported a premium income of approximately 723.9 billion yuan, with a year-on-year growth of 3.21% [2] - The effective claim cases for the auto insurance industry grew by 2.5%, while the total settled claims amounted to about 437.15 billion yuan, showing a slight increase of 0.06% [3] - New energy commercial auto insurance saw a 36.2% increase in effective claim cases and settled claims of approximately 55.22 billion yuan, reflecting a year-on-year growth of 33.8% [3] Profitability Challenges - Despite the rapid growth of new energy auto insurance, the industry faces significant profitability challenges, with some large insurers claiming they have entered a profitable underwriting phase [4][5] - The current pricing mechanisms and high claim rates continue to exert pressure on profitability, necessitating reforms in pricing and risk management [5] - Market reforms are underway to gradually relax the pricing coefficients for new energy auto insurance, aligning them more closely with traditional fuel vehicles [5][6] Future Outlook - The development of new energy vehicles is seen as an inevitable trend, with large insurers holding a competitive advantage in the new energy auto insurance sector [6] - As pricing and risk control technologies mature, more small and medium-sized insurers are expected to enter the market, contributing to its continued expansion [6]