“保费贵、承保亏”行业难题有解?广东探索智驾车险新政

Core Insights - The Guangdong Financial Regulatory Bureau and nine other departments issued guidelines to support the high-quality development of the insurance industry, emphasizing insurance services for the manufacturing sector, particularly in the context of new energy vehicles (NEVs) and intelligent driving insurance products [1][8] Group 1: New Energy Vehicle Market Dynamics - Guangdong is a leader in the NEV industry, with an expected production accounting for 25% of the national total in 2024, equating to one in every four NEVs being produced in Guangdong [1] - NEV sales reached 14.78 million units in the first eleven months of 2025, marking a year-on-year increase of 31.2% [1][2] - Despite the growth in NEV sales, the insurance market faces a dilemma where vehicle owners find premiums high while insurers report losses, highlighting a mismatch between rapid industry growth and insurance coverage [1][2] Group 2: Insurance Challenges - The NEV insurance market is characterized by high premiums, high claim rates, and high payout rates, creating a "three highs" dilemma that remains unresolved [2][4] - A survey indicated that over 80% of respondents pay more than 3,000 yuan for NEV insurance, with 93% paying over 2,000 yuan [2] - The average premium for NEVs is approximately 20% higher than that of comparable gasoline vehicles, yet the industry faces an overall underwriting loss, with a comprehensive cost ratio exceeding 100% and losses reaching 5.7 billion yuan in 2024 [4][5] Group 3: Consumer Experience and Perception - Consumers report a lack of alignment between the insurance experience and the technological advancements of NEVs, with repair costs for minor damages being excessively high [3] - Many consumers express concerns about the potential liabilities and claims processes associated with intelligent driving features, leading to a decrease in confidence in purchasing and using NEVs [3] Group 4: Regulatory and Industry Response - The guidelines aim to address the issues of high premiums and insurance accessibility, promoting collaboration between insurers and automotive manufacturers to lower costs and improve service [6][8] - The exploration of intelligent driving liability insurance products is highlighted as a necessary innovation to address the emerging risks associated with "human-machine co-driving" scenarios [7] - The guidelines are seen as a catalyst for transforming the insurance industry from a reactive compensation model to a proactive risk management and ecosystem partnership throughout the vehicle lifecycle [7][8]