前三季度新能源商业车险保费收入超千亿元

Core Viewpoint - The domestic new energy commercial auto insurance market is experiencing significant growth, with premiums exceeding 100 billion yuan, reflecting a year-on-year increase of 36.6%, which is substantially higher than the overall auto insurance premium growth of 3.21% [1][2]. Group 1: Market Growth - In the first three quarters of this year, new energy commercial auto insurance premiums reached 108.79 billion yuan, marking a 36.6% year-on-year increase [2]. - The overall auto insurance industry reported premiums of approximately 723.9 billion yuan, with a modest growth of 3.21% [2]. - The growth in new energy commercial auto insurance premiums is closely linked to the sales structure of new vehicles, with new energy vehicles accounting for 46.1% of total new car sales [2]. Group 2: Claims and Payouts - The overall effective claim cases in the auto insurance industry grew by 2.5%, while the total settled claims amounted to approximately 437.15 billion yuan, showing a slight increase of 0.06% [3]. - For new energy commercial auto insurance, effective claim cases increased by 36.2%, with settled claims reaching about 55.22 billion yuan, reflecting a year-on-year growth of 33.8% [3]. - The lower growth rates in claims compared to premium growth indicate an improvement in the overall claim rate and payout rate in the auto insurance sector [3]. Group 3: Profitability Challenges - Despite the rapid growth of new energy auto insurance, the industry faces significant challenges in achieving profitability, with some large insurers claiming they have entered a profitable phase [4][5]. - The current market conditions indicate that the new energy auto insurance business still requires various strategies to turn losses into profits [5]. - The market is undergoing reforms, with plans to gradually relax the self-pricing coefficients for new energy auto insurance, which is expected to align pricing with risk characteristics [5][6]. Group 4: Future Outlook - The development of new energy vehicles is seen as an inevitable trend, and large insurers are expected to leverage their advantages in technology and market presence [6]. - As pricing and risk control technologies mature, more small and medium-sized insurers are likely to enter the new energy auto insurance market [6].