数据共享让车险定价更精准

Core Insights - The traditional car insurance pricing model is facing challenges due to the rapid growth of new energy vehicles, leading to increased premiums even for low-risk drivers [1] - Insurers are struggling to adapt their pricing models for new energy vehicles due to insufficient data on these rapidly evolving models [1] - The introduction of the "joint pricing" technology by Ant Insurance aims to enhance risk identification and enable more accurate pricing for car insurance [2] Group 1: Insurance Pricing Challenges - Many new energy vehicle owners are questioning why their premiums have increased despite having no claims [1] - Traditional pricing models based on historical data from fuel vehicles are inadequate for new energy vehicles, which evolve quickly [1] - In 2024, the new energy vehicle insurance sector is projected to incur a loss of 5.7 billion yuan, with 137 vehicle models having a claims ratio exceeding 100% [1] Group 2: Technological Innovations - Ant Insurance has collaborated with several major insurers to develop the "joint pricing" technology, which utilizes privacy-preserving data analysis to improve pricing accuracy [2] - The implementation of this technology has led to an average reduction of 3% in comprehensive cost rates for participating insurers, enhancing their profitability [2] - Good driving habits will result in lower premiums for consumers, while high-risk drivers will face appropriate surcharges, aligning risk with pricing [2] Group 3: Growth and Service Enhancements - Ant Insurance has seen a consistent annual growth of over 30% in the number of insured vehicles on its platform over the past three years [3] - The platform now collaborates with 14 major property insurance companies to offer a comprehensive suite of services, including quotes, claims, and roadside assistance [3] - Ant Insurance has integrated the "Anxin Pei" standardized claims service, which enhances user experience by providing transparent and efficient claims processing [3][4]