中经记者 樊红敏 北京报道 在国内新能源车险市场竞争激烈，新能源汽车出口驶入"快车道"背景下，海外市场成为新能源车险新增 长点。 在惠誉评级亚太区保险机构评级高级分析师王梦瑗看来，中小险企仍有切入空间，可通过共保、分保与 技术服务参与前端承保，以更轻资本方式分享增长；外资背景或与车企关联的险企凭渠道与生态资源可 获取定制化项目。随着新能源渗透提升与生态成熟，中小险企通过专业化与合作网络，仍可在特定市场 与产品条线实现有质量的份额。 作为国内首家开展海外新能源车险业务的互联网保险公司，众安保险方面近期在接受记者采访时表示， 差异化发展是关键，表现在以下三方面：一是数据驱动的精准风控，结合AI模型，能够为特定车型、 特定使用场景提供更精准的定价。 二是通过线上化、智能化，大幅降低业务运营成本，持续提升用户 体验。三是生态连接的开放平台，与生态伙伴深度合作，共同构筑跨境保险服务生态圈。 "中小险企应该发挥自身的禀赋，寻找自己在出海市场中的生态位，积极与头部险企、车险展开合 作。"德勤中国保险行业合伙人周晓黎也向记者表示。 （编辑：李晖 审核：何莎莎 校对：翟军） 数据显示，过去五年，全球新能源汽车销量从不足300万 ...

Core Viewpoint - The rapid growth of China's new energy vehicle (NEV) exports has led to an increasing demand for overseas insurance services, particularly in the NEV insurance sector, which is becoming a new growth point for domestic insurance companies [2][3][11]. Group 1: Market Performance and Trends - In 2023 and 2024, China's NEV exports are projected to reach 1.203 million and 1.284 million units, respectively, representing year-on-year growth of 77.6% and 6.7% [3]. - The penetration of NEVs in global markets is creating new risk protection demands, prompting Chinese insurance companies to leverage their experience in NEV insurance to support emerging markets [2][4]. Group 2: Challenges in Overseas Markets - There is a notable lack of supporting services for NEVs in overseas markets, including insurance, which is critical for consumer confidence [3][4]. - High insurance premiums for NEVs in markets like the UK and Australia are discouraging consumers, with reports indicating that premiums for Chinese NEVs can be higher than those for traditional fuel vehicles [3][4]. - Local insurance companies in markets like Thailand are often reluctant to underwrite NEVs, further complicating the situation for Chinese manufacturers [3][4]. Group 3: Strategic Initiatives by Insurance Companies - China Pacific Insurance (CPIC) has partnered with Mitsui Sumitomo Insurance and several leading NEV manufacturers to establish a presence in the Thai market, marking a significant step in the internationalization of NEV insurance [2][5]. - Ping An Insurance is collaborating with Geely International to explore new financial protection models for NEVs going overseas, indicating a trend towards comprehensive risk management solutions [2][8]. - Major domestic insurers are focusing on creating localized service networks and solutions to better meet the needs of NEV manufacturers in international markets [4][9]. Group 4: Policy and Regulatory Support - Recent regulatory guidance from Chinese authorities aims to enhance the quality and efficiency of NEV insurance, promoting data sharing and risk classification [12][17]. - The government is encouraging insurance companies to innovate and adapt their products to better serve the growing NEV market, both domestically and internationally [12][17]. Group 5: Future Outlook - The shift from traditional insurance products to comprehensive service offerings is seen as essential for the future competitiveness of NEV insurance in global markets [17]. - Domestic insurers are expected to leverage their technological advantages and operational experience to establish a strong foothold in the overseas NEV insurance market [7][11].

Core Insights - China's new energy vehicle (NEV) exports reached 1.758 million units from January to September 2025, marking a year-on-year growth of 89.4%, indicating strong competitiveness and recognition in overseas markets [1] - The rapid growth of NEV exports has spurred the development of related insurance markets, with several domestic insurance companies actively pursuing opportunities in the overseas NEV insurance sector [1][4] Industry Trends - The NEV insurance market is entering an accelerated phase of expansion, primarily through pilot projects and localized approaches, with a focus on Southeast Asia and the Asia-Pacific region [5][10] - Domestic insurers are adopting various models for overseas expansion, including co-insurance or reinsurance mechanisms, partnerships with local insurance companies, and collaborations with international insurers [5][6][7] Company Strategies - China Pacific Insurance has implemented a three-step regional development strategy focusing on Hong Kong, Asia, and global markets, successfully launching its first NEV insurance policy in Hong Kong and Thailand [4] - ZhongAn Insurance has announced its first overseas NEV insurance policy, while China Re and Hyundai Insurance have signed a cooperation framework to integrate resources and share data for NEV insurance [5] Challenges and Barriers - Insurers face significant challenges in terms of technical, data, ecological, and compliance capabilities when entering overseas markets [3][9] - Key difficulties include data isolation, regulatory barriers, cultural differences, and the establishment of a reliable repair network for NEVs in foreign markets [9][10] Long-term Development Strategies - To achieve sustainable growth in overseas NEV insurance, insurers should focus on key markets where Chinese car manufacturers are investing, deepen ecological collaboration with automakers, and enhance technology output and localization [10][11]

Core Insights - The export of China's new energy vehicles (NEVs) is accelerating, prompting domestic insurance companies to actively expand into overseas NEV insurance markets, particularly in Southeast Asia, Europe, South America, and the Middle East [1][2] - Domestic insurers have accumulated experience in claims, damage assessment, and repairs for NEVs, positioning them well to enter these emerging markets despite local insurers' reluctance due to uncertainties in loss ratios and repair efficiencies [1][3] - The success of overseas NEV insurance ventures hinges on insurers' ability to leverage China's scale advantages while adapting to local market conditions, which presents a significant challenge [1][3][8] Industry Developments - Several major insurance companies, including ZhongAn Insurance and PICC, have initiated overseas NEV insurance operations, indicating a competitive landscape in the domestic NEV insurance market [2][3] - The domestic NEV commercial insurance premium income reached 108.79 billion yuan, a 36.6% year-on-year increase, highlighting the growth potential of this sector [3] - The overseas NEV insurance market is seen as a "blue ocean" opportunity, with domestic insurers looking to diversify their revenue streams amid increasing competition at home [3][7] Challenges and Opportunities - The overseas NEV insurance market faces challenges such as data scarcity, pricing difficulties, and inadequate service networks, which could hinder expansion efforts [4][5] - Local insurers often refuse coverage or charge high premiums due to a lack of data on Chinese vehicle models, creating an entry opportunity for domestic insurers [3][5] - The complexity of risk characteristics in different regions poses additional challenges for domestic insurers, necessitating a deep understanding of local conditions [6] Strategic Directions - Future strategies for domestic insurers may include deepening collaboration with NEV manufacturers to build a comprehensive service ecosystem abroad, focusing on driving data and repair networks [7][8] - The trend is shifting from merely exporting products to providing comprehensive services, with technology playing a crucial role in enhancing competitiveness [8] - Insurers are encouraged to adapt their domestic experiences and technological advantages to local markets, ensuring that their offerings meet specific regional needs [8]

Core Viewpoint - The export of China's new energy vehicles (NEVs) is accelerating, prompting domestic insurance companies to actively expand into overseas NEV insurance markets, particularly in Southeast Asia, Europe, South America, and the Middle East [1][2]. Group 1: Market Expansion - Multiple insurance companies have begun to establish NEV insurance services abroad, leveraging reinsurance, technology transfer, and local partnerships to support NEV manufacturers in their international ventures [1][2]. - The overseas NEV insurance market is seen as a "blue ocean" opportunity, with the success of these ventures dependent on the ability of insurers to convert China's scale advantages into localized operational capabilities [1][2][3]. Group 2: Competitive Landscape - The domestic NEV insurance market is experiencing intense competition, with a reported premium income of 108.79 billion yuan in the first three quarters of 2025, reflecting a year-on-year growth of 36.6% [3]. - Major domestic insurers are shifting focus to overseas markets as domestic market saturation increases, viewing international expansion as a necessary strategy for new growth [3][4]. Group 3: Challenges and Opportunities - Overseas markets present challenges such as data scarcity, pricing difficulties, and inadequate service networks, which domestic insurers must navigate to succeed [4][5]. - The lack of local data and established repair networks complicates the underwriting and claims processes for NEV insurance in foreign markets [4][5]. Group 4: Strategic Collaborations - Domestic insurers are encouraged to deepen collaborations with NEV manufacturers to build overseas service ecosystems, focusing on areas like driving data and repair networks [5][6]. - Future trends indicate a shift from product-focused offerings to service-oriented models, emphasizing partnerships with leading car manufacturers to enhance market entry and customer acquisition [6]. Group 5: Technological Integration - The integration of technology is identified as a core competitive advantage, with insurers needing to develop digital platforms that streamline the entire insurance process from underwriting to claims [6]. - Domestic insurers are advised to leverage their accumulated expertise in NEV insurance to enhance the capabilities of local partners in foreign markets, ensuring a tailored approach to meet local demands [6].

Core Insights - ZhongAn Insurance has successfully launched its first overseas new energy vehicle insurance business, becoming the first internet insurance company in China to do so [4] - The export of new energy vehicles from China reached 1.758 million units from January to September 2025, marking a year-on-year increase of 89.4%, prompting insurance companies to explore overseas markets for new growth opportunities [1][2] - Major insurance companies like PICC and CPIC have made significant progress in launching new energy vehicle insurance overseas since 2025 [1] Group 1: Market Expansion - The new energy vehicle insurance sector is becoming a crucial source of business growth for property insurance companies, with a rising share in overall auto insurance [1] - In the first half of 2025, Ping An Property & Casualty reported new energy vehicle insurance premium income of 21.7 billion yuan, a year-on-year increase of 46.2%, capturing a market share of 27.6% [2] - ZhongAn Insurance's new energy vehicle insurance premiums grew approximately 125.4% year-on-year, accounting for over 18% of the company's total auto insurance premiums [2] Group 2: Strategic Collaborations - In June 2025, PICC, AXA Tianping, and AXA Thailand signed a memorandum of understanding to focus on the new energy vehicle insurance sector [3] - CPIC announced a partnership with Mitsui Sumitomo Insurance and Zhongyi Insurance Brokerage to establish a strategic collaboration with several leading new energy vehicle manufacturers in China, successfully launching multiple policies in the Thai market [3] - ZhongAn Insurance and Modern Insurance signed a cooperation framework for new energy vehicle insurance at the Shanghai International Reinsurance Conference, aiming to create a new model for international insurance cooperation [3] Group 3: Challenges and Opportunities - The overseas expansion of new energy vehicle insurance faces challenges such as data gaps, regulatory complexities, and the need for localized service networks [5][8] - The unique risks associated with new energy vehicles, such as their electric systems and smart connectivity, create a new risk landscape that domestic insurers can leverage [5] - The insurance industry is encouraged to provide comprehensive risk coverage for Chinese automakers expanding globally, aligning with national support for the globalization of new energy vehicles [5][8]

Core Viewpoint - The construction of the Shanghai International Reinsurance Center is crucial for the development of Shanghai as an international financial hub, with China Re's subsidiary, China Property Reinsurance Co., actively participating in this initiative [3][4]. Group 1: Contribution to Shanghai International Reinsurance Center - China Property Reinsurance Co. aims to leverage its long-term operational expertise in the reinsurance market to enhance transaction processes and business management models, contributing "China Re wisdom" to the Shanghai International Reinsurance Center [3][4]. - The company is involved in establishing transaction standards for reinsurance, focusing on operational processes, data exchange, and accounting settlement, thereby accelerating the standardization of the reinsurance market [4]. - The Shanghai Reinsurance Operations Center was established in July 2024, enhancing business transactions and system integration to support the center's development [4]. Group 2: Collaboration and Transactions - In May, China Property Reinsurance Co. signed on-site transaction agreements with Taiping Property Insurance and Dadi Insurance, with a total transaction amount exceeding 5 billion [5]. - The company plans to strengthen collaboration between its international business platforms in Beijing, Singapore, and London with the Shanghai Reinsurance Operations Center to promote domestic and international reinsurance transactions [5]. Group 3: Market Challenges and Opportunities - The global reinsurance industry faces challenges from climate change, geopolitical conflicts, and economic tensions, necessitating a search for new development opportunities [6]. - Key trends in the global reinsurance market include increasing risk complexity, technological empowerment, and market differentiation, with opportunities arising from regional development and the export of technical services [6]. - The demand for disaster protection, infrastructure investment, and economic transformation presents growth opportunities in certain regional markets [6]. Group 4: Impact of Technology - The application of artificial intelligence and automation in the reinsurance industry is expected to enhance service capabilities and operational efficiency, becoming a consensus among global reinsurers [7]. - New technologies will improve risk pricing, customer response times, and settlement cycles, while also introducing new operational risks related to cybersecurity [8]. Group 5: International Expansion in New Energy Vehicle Insurance - In the first nine months, China's new energy vehicle exports reached 1.758 million units, a year-on-year increase of 89.4%, prompting leading insurance companies to explore overseas markets [9]. - The competitive domestic car insurance market drives insurers to seek growth in overseas markets, particularly in developing countries [9][10]. - China Property Reinsurance Co. aims to empower insurers' international strategies by building a data platform, sharing global networks, innovating reinsurance solutions, and promoting standard outputs [10].

Core Insights - The Chinese auto insurance market is projected to exceed 913 billion yuan in premiums by 2024, accounting for over 54% of total non-life insurance premiums [1] - The industry is focused on improving operational capabilities to provide fair pricing and comprehensive risk coverage for consumers [1] - The auto insurance sector is also expected to drive improvements in vehicle safety and performance standards among manufacturers, supporting the international expansion of Chinese automotive brands [1] Group 1: Market Performance - By the end of 2024, the comprehensive expense ratio for auto insurance is expected to be 23.8%, a decrease of 4.1 percentage points year-on-year, marking the lowest level in nearly 18 years [2] - The comprehensive claims ratio for auto insurance is projected to rise to 74.1%, an increase of 3.1 percentage points year-on-year [2] - The average premium paid by consumers has decreased by 21% compared to pre-reform levels in 2020 [2] Group 2: Industry Reforms - The commercial auto insurance sector has undergone multiple rounds of reforms over the past decade, addressing issues from earlier development phases by lowering rates, reducing commissions, and expanding coverage [2] - The implementation of the "reporting and operation in unison" policy has effectively regulated the auto insurance market, with a reported comprehensive cost ratio of 94.2% for a major insurer, down 2.2 percentage points year-on-year [2] Group 3: Emerging Risks and Opportunities - Natural disasters are increasingly impacting the auto insurance sector, with losses from significant events potentially reaching nearly 1% of market premium volume [2] - The auto insurance market is facing challenges from high claims costs associated with new energy vehicles, which have an average comprehensive cost ratio exceeding 100% and incurred losses of 5.7 billion yuan [4] Group 4: New Energy Vehicle Insurance - In 2024, premiums for new energy vehicle insurance are expected to reach 140.9 billion yuan, representing 15.4% of total auto insurance premiums [4] - The average risk cost for new energy vehicles is 2.2 times that of traditional fuel vehicles, contributing to high claims rates [4] - The high claims rates are attributed to specific physical characteristics of new energy vehicles and differences in driving behavior compared to traditional vehicles [4] Group 5: Regulatory Support and Innovations - Regulatory bodies have issued guidelines to promote high-quality development in new energy vehicle insurance, focusing on reducing maintenance costs and innovating insurance offerings [5] - A new platform has been launched to facilitate insurance for new energy vehicles, ensuring that insurers cannot refuse coverage [5] Group 6: International Expansion - Chinese insurers are beginning to expand new energy vehicle insurance services internationally, with a focus on markets like Hong Kong and Thailand [6][9] - The first overseas new energy vehicle insurance policy was successfully issued in Hong Kong, with plans to further expand into Southeast Asia and beyond [6][9] - Strategic partnerships with local insurers are being formed to provide comprehensive risk management solutions for Chinese automotive brands operating abroad [7][8]

Core Insights - The core viewpoint of the article is that the Chinese insurance industry is increasingly expanding its new energy vehicle (NEV) insurance business overseas, driven by the rapid growth of Chinese NEV exports and the need for tailored insurance solutions in international markets [1][2][4]. Group 1: Market Trends and Opportunities - The export of Chinese NEVs is growing rapidly, with 2023, 2024, and 2025 showing significant year-on-year increases in export volumes [2]. - NEVs accounted for 35% of total vehicle exports in the first seven months of 2023, indicating a strong growth momentum in this segment [2]. - The demand for NEVs in overseas markets, particularly in Europe and Southeast Asia, is a key driver for this export growth [2][4]. Group 2: Challenges Faced by the Industry - The insurance industry faces several challenges when expanding overseas, including high financial loan costs for exported NEVs, high insurance premiums due to low local ownership rates, and a lack of transparency in vehicle data [3][6]. - Regulatory barriers, cultural differences, data scarcity, and the need for a robust repair network are significant hurdles for the insurance sector in international markets [6][7]. Group 3: Strategic Approaches and Future Trends - The future of NEV insurance overseas is expected to evolve from "product export" to "service export," emphasizing collaboration with leading Chinese automakers [5][6]. - Technology will play a crucial role in enhancing competitiveness, with a focus on building digital insurance platforms that streamline the entire process from underwriting to claims [5]. - The insurance model is anticipated to expand beyond just vehicle coverage to encompass the entire NEV ecosystem, including charging infrastructure and autonomous driving [5]. Group 4: Implementation Pathways - Potential pathways for successful overseas expansion include partnerships with local insurance companies, establishing overseas representative offices for data support, and exploring co-insurance or reinsurance mechanisms [7][8]. - The company plans to initiate its internationalization process by the fourth quarter of 2025, targeting key markets in Asia-Pacific and Europe, with a long-term goal of contributing over 10% to revenue by 2027 [8].

Core Viewpoint - The article discusses the expansion of China's new energy vehicle (NEV) insurance industry into international markets, highlighting the growth opportunities and challenges faced by domestic insurance companies as they venture abroad [2][6]. Group 1: Market Trends and Growth - In the first half of the year, the insurance premiums for NEV insurance issued by CheChe Technology reached 2.6 billion yuan, representing a year-on-year growth of 150% [5]. - China's NEV exports are rapidly increasing, with figures of 1.203 million, 1.284 million, and 1.308 million units exported in 2023, 2024, and the first seven months of 2025 respectively, showing year-on-year growth rates of 77.6%, 6.7%, and 84.6% [7]. - NEV exports are primarily concentrated in Europe, particularly Belgium and the UK, as well as in Brazil and Southeast Asia, where demand for NEVs is strong [8]. Group 2: Opportunities and Challenges - The insurance industry faces significant opportunities as Chinese NEV manufacturers expand internationally, but they also encounter challenges such as high financial loan costs, high insurance premiums, and a lack of transparent vehicle data [9][10]. - The article emphasizes the need for the insurance sector to align with China's "going out" strategy, facilitating cross-border business innovation and global standardization of insurance contracts and claims [9]. Group 3: Future Trends - Three key trends for the future of NEV insurance abroad are identified: 1. Transitioning from "product export" to "service export," emphasizing collaboration with leading Chinese car manufacturers [13]. 2. Technology becoming a core competitive advantage, with a focus on building digital insurance platforms [13]. 3. Expanding coverage from just vehicles to the entire NEV ecosystem, including insurance for charging stations and autonomous driving [13]. Group 4: Implementation Models - The article outlines four main challenges for NEV insurance companies entering foreign markets, including regulatory barriers, cultural differences, data scarcity, and the need for a robust repair network [15]. - Suggested implementation models include partnering with local insurance companies, establishing overseas representative offices for data support, and exploring co-insurance or reinsurance mechanisms [16]. Group 5: Strategic Plans - CheChe Technology plans to initiate its internationalization process in the fourth quarter of 2025, focusing on the Asia-Pacific and European markets, with a goal of contributing over 10% to revenue by 2027 [18].