2025金融街论坛｜破解承保难题！千亿新能源车险赛道待寻良方

Core Insights - The rapid development of new energy vehicle insurance is a significant topic of discussion, with over 40 million new energy vehicles insured in China, indicating a burgeoning market worth hundreds of billions [1][3] - The expected insurance premium for new energy vehicles is projected to reach approximately 200 billion yuan this year, with a growth rate exceeding 30% [1][3] Industry Growth Potential - New energy vehicle insurance is becoming a crucial growth area for the insurance industry, driven by a rapidly expanding market [4] - The trend towards smart technology is influencing insurance practices, necessitating a shift from traditional models to new pricing and risk assessment methods based on driving data [4] Challenges in the Market - Despite the promising outlook, the overall underwriting situation for new energy vehicle insurance is expected to be in a loss state by 2024, highlighting underlying concerns [5] - The average risk cost for new energy vehicle insurance is approximately 2.2 times that of traditional fuel vehicles, while the premiums are only 1.7 times higher, indicating a significant pricing and risk level disparity [6] Factors Contributing to High Risk - The higher accident and claim rates for new energy vehicles are attributed to a greater proportion of operational vehicles and new models, leading to increased risk exposure [6] - Insufficient historical data for new brands and models complicates risk pricing, while rapid technological advancements outpace traditional pricing models [6] Future Development Directions - Industry experts suggest three potential pathways for overcoming challenges: accelerating the development of smart, dedicated insurance products, leveraging data to reduce risks, and creating an intelligent interactive ecosystem for new energy vehicles [7] - Collaboration between insurance companies and automotive manufacturers is being encouraged by regulatory bodies to enhance risk assessment and reduce costs across the vehicle lifecycle [7] Long-term Outlook - In the medium to short term, as vehicle ages increase and operational vehicles become saturated, risk rates may stabilize or decline [8] - However, long-term uncertainties remain due to various influencing factors in the market [8]