卢浮宫被盗文物竟无保险，国内48亿元艺术品保险市场也不乐观：险企称定价太难，蛋糕看到吃不到

Group 1 - The Louvre heist resulted in the theft of 8 pieces of jewelry valued at approximately €88 million (around 720 million RMB), which will not be covered by insurance as national museums in France are not allowed to purchase commercial insurance for their collections [2][3] - The art insurance market in China is gradually developing, with a projected market size of 4.86 billion RMB in 2024, but the penetration rate remains low at about 5% [2][3] - The domestic art insurance industry faces challenges such as pricing difficulties and insufficient market demand, but innovative models like "nail-to-nail" full-process coverage and satellite remote sensing risk control are being explored [2][3][11] Group 2 - A total of 34 property insurance companies have launched 249 art-related insurance products, covering categories such as "art insurance," "collectibles insurance," and "cultural relics insurance" [4][8] - The majority of policyholders in the art insurance market are individual collectors, accounting for 68.3% of total policies, while corporate clients, including museums and galleries, represent 24.5% [3][11] - The competition in the art insurance market is characterized by a leading group of major insurers, while some smaller companies have exited due to business adaptability issues [7][11] Group 3 - The low coverage level in the domestic art insurance market is a significant issue, with personal collectors' insurance needs growing but still showing a notable gap in actual coverage [11][12] - The complexity of valuing high-value art pieces poses challenges for insurers, as the valuation process is often influenced by various factors, making it difficult to establish a unified standard [14][16] - Insurers are adopting professional risk control and co-insurance strategies to address the pricing challenges and enhance their underwriting capabilities [19][20] Group 4 - The "nail-to-nail" insurance model is emerging as a mainstream innovation, covering the entire risk chain of art exhibitions, from initial packaging to transportation and exhibition [23][24] - Companies like Taikang Online and Huatai Insurance are implementing systematic risk management solutions, including pre-insurance risk assessments and dynamic monitoring during exhibitions [23][24] - The recent Louvre theft incident has heightened awareness of risk prevention in the industry, prompting a shift towards comprehensive risk governance in the art insurance market [24]