对话张宗韬：现代财险是如何专营新能源网约车保险业务的？

Core Insights - Modern Insurance has optimized its insurance claim ratio for new energy ride-hailing vehicles to below 84% for 2024, addressing the long-standing issue of high costs and losses in the sector [2] - The company aims to become a risk management expert in the new mobility ecosystem, focusing on the new energy vehicle insurance market, which has shown significant growth potential despite challenges [2][4] Industry Overview - In 2024, the Chinese insurance industry covered 31.05 million new energy vehicles, generating premium income of 140.9 billion yuan, with total insured amounts reaching 106 trillion yuan, but incurred losses of 5.7 billion yuan [2] - The average claim amount and accident frequency for new energy vehicles are higher than traditional fuel vehicles, leading to elevated overall claim ratios [3] Company Strategy - Modern Insurance has shifted its focus to the ride-hailing sector, identifying it as a niche market with unmet demand and potential for growth [4] - The company has concentrated 99% of its car insurance business on new energy operational vehicles, serving 375,900 ride-hailing customers and generating premium income of 1.334 billion yuan, with a premium share of 96.2% [6] Competitive Advantage - The core competitiveness of Modern Insurance lies in its proprietary algorithms and pricing models, which allow for dynamic pricing based on various risk factors, enabling precise risk identification and differentiated pricing [7] - The company avoids reliance on large agents and instead engages directly with customers through multiple touchpoints, enhancing its reputation in the niche market [7] Strategic Transformation - Modern Insurance has undergone a significant strategic transformation, eliminating many existing businesses to focus solely on new energy operational vehicles, which involved short-term costs and team restructuring [8] - The company emphasizes long-term value over short-term performance metrics, fostering customer trust and increasing renewal rates despite market price fluctuations [8] Strategic Positioning - The fundamental issue for many small and medium-sized insurance companies is a lack of strategic positioning, often leading to a failure in differentiation [9] - Effective strategy formulation requires clarity on what to pursue and what to avoid, as well as a focus on long-term competitive advantages [11]