千亿新能源车险寻承保良方

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 around 200 billion yuan this year, with a growth rate exceeding 30% [1][3] Industry Growth Potential - The data presented at the forum illustrates that new energy vehicle insurance is becoming a crucial growth area for the insurance industry, with a commercial insurance penetration rate of 91% for new energy vehicles, which is 6 percentage points higher than that of fuel vehicles [3] - The insurance industry is urged to adapt to the trends of intelligence and greening, which will reshape risk management and insurance models [3] 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 in 2024, as the average risk cost for new energy vehicles is approximately 2.2 times that of fuel vehicles, while the premiums are only 1.7 times higher [4][5] - High accident rates and repair costs, along with insufficient historical data for new brands and models, pose significant challenges for risk pricing and claims management [5] Future Development Directions - Industry experts suggest three key areas for breakthrough: accelerating the development of intelligent insurance products for new energy vehicles, utilizing data to drive risk reduction, and building an intelligent interactive ecosystem for new energy vehicles [6] - Collaboration between insurance companies and automotive manufacturers is being promoted to enhance data accumulation, improve claims capabilities, and innovate risk reduction services [6][7] Long-term Outlook - In the short to medium term, as the age of new energy vehicles increases and the saturation of operational vehicles occurs, the risk rates are expected to stabilize or decline [7] - However, long-term uncertainties remain due to various influencing factors in the market [7]