新能源车险开往世界 “规模优势”如何破解海外门槛

Core Insights - 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] - Domestic insurers have accumulated experience in claims, damage assessment, and repairs for NEVs, positioning them well to enter these emerging markets despite local insurers' reluctance due to uncertainties in loss ratios and repair efficiencies [1][3] - The success of overseas NEV insurance ventures hinges on insurers' ability to leverage China's scale advantages while adapting to local market conditions, which presents a significant challenge [1][3][8] Industry Developments - Several major insurance companies, including ZhongAn Insurance and PICC, have initiated overseas NEV insurance operations, indicating a competitive landscape in the domestic NEV insurance market [2][3] - The domestic NEV commercial insurance premium income reached 108.79 billion yuan, a 36.6% year-on-year increase, highlighting the growth potential of this sector [3] - The overseas NEV insurance market is seen as a "blue ocean" opportunity, with domestic insurers looking to diversify their revenue streams amid increasing competition at home [3][7] Challenges and Opportunities - The overseas NEV insurance market faces challenges such as data scarcity, pricing difficulties, and inadequate service networks, which could hinder expansion efforts [4][5] - Local insurers often refuse coverage or charge high premiums due to a lack of data on Chinese vehicle models, creating an entry opportunity for domestic insurers [3][5] - The complexity of risk characteristics in different regions poses additional challenges for domestic insurers, necessitating a deep understanding of local conditions [6] Strategic Directions - Future strategies for domestic insurers may include deepening collaboration with NEV manufacturers to build a comprehensive service ecosystem abroad, focusing on driving data and repair networks [7][8] - The trend is shifting from merely exporting products to providing comprehensive services, with technology playing a crucial role in enhancing competitiveness [8] - Insurers are encouraged to adapt their domestic experiences and technological advantages to local markets, ensuring that their offerings meet specific regional needs [8]