新能源车险保费持续高企

Core Viewpoint - The development and trends of auto insurance, a crucial product for millions of consumers, are under scrutiny as the third-quarter solvency reports reveal significant variations in average premiums among property insurance companies [1][2]. Group 1: Auto Insurance Premiums - As of November 12, 67 property insurance companies disclosed their average auto insurance premiums for the first three quarters, with the highest premium at 5700 yuan and the lowest at 880 yuan [1][2]. - 37 companies reported a decrease in average premiums compared to the same period last year, accounting for approximately 55% of the total, while 24 companies saw an increase [1][2]. Group 2: Factors Influencing Premiums - The disparity in average premiums among companies is influenced by various factors, including vehicle type, usage, and value, with new energy vehicle insurance premiums being significantly higher due to elevated battery repair costs [2]. - Companies specializing in new energy vehicle insurance, such as Modern Insurance and BYD Insurance, reported average premiums of 5700 yuan and 4046.58 yuan, respectively, both exceeding the industry median of 1871.54 yuan [2]. Group 3: New Energy Vehicle Insurance Challenges - New energy vehicle insurance has faced challenges due to high costs associated with the three electric systems, leading to pressure on both insurers and consumers, particularly in the ride-hailing sector where claim rates are higher [3]. - The China Actuarial Association projected a loss of 5.7 billion yuan for new energy vehicle insurance in 2024, with a claims ratio exceeding 100% for 137 vehicle models [2][3]. Group 4: Regulatory and Market Developments - The industry is moving towards improving new energy vehicle insurance through regulatory guidance, with initiatives aimed at data sharing, repair standards, and risk classification [3]. - The Shanghai Insurance Exchange launched the "Good Auto Insurance" platform to facilitate online insurance for high-risk new energy vehicles, successfully insuring over 1.1 million vehicles and providing risk coverage exceeding 1.1 trillion yuan [4].