新能源车险开往世界“规模优势”如何破解海外门槛

Core Viewpoint - The export of China's new energy vehicles (NEVs) is accelerating, prompting domestic insurance companies to actively expand into overseas NEV insurance markets, particularly in Southeast Asia, Europe, South America, and the Middle East [1][2]. Group 1: Market Expansion - Multiple insurance companies have begun to establish NEV insurance services abroad, leveraging reinsurance, technology transfer, and local partnerships to support NEV manufacturers in their international ventures [1][2]. - The overseas NEV insurance market is seen as a "blue ocean" opportunity, with the success of these ventures dependent on the ability of insurers to convert China's scale advantages into localized operational capabilities [1][2][3]. Group 2: Competitive Landscape - The domestic NEV insurance market is experiencing intense competition, with a reported premium income of 108.79 billion yuan in the first three quarters of 2025, reflecting a year-on-year growth of 36.6% [3]. - Major domestic insurers are shifting focus to overseas markets as domestic market saturation increases, viewing international expansion as a necessary strategy for new growth [3][4]. Group 3: Challenges and Opportunities - Overseas markets present challenges such as data scarcity, pricing difficulties, and inadequate service networks, which domestic insurers must navigate to succeed [4][5]. - The lack of local data and established repair networks complicates the underwriting and claims processes for NEV insurance in foreign markets [4][5]. Group 4: Strategic Collaborations - Domestic insurers are encouraged to deepen collaborations with NEV manufacturers to build overseas service ecosystems, focusing on areas like driving data and repair networks [5][6]. - Future trends indicate a shift from product-focused offerings to service-oriented models, emphasizing partnerships with leading car manufacturers to enhance market entry and customer acquisition [6]. Group 5: Technological Integration - The integration of technology is identified as a core competitive advantage, with insurers needing to develop digital platforms that streamline the entire insurance process from underwriting to claims [6]. - Domestic insurers are advised to leverage their accumulated expertise in NEV insurance to enhance the capabilities of local partners in foreign markets, ensuring a tailored approach to meet local demands [6].