理赔数据也正成为制造升级的助推器，不少车企已利用保险事故数据优化车型设计和零部件工艺，使故 障率和理赔率显著下降。这种良性互动，既降低了出险率，也提升了车险经营质效，形成了产业与金融 的双赢。与此同时，统一的行业标准亟待建立，无论是动力电池检测规范，还是智能驾驶保险责任界 定，都需要保险业与车企、监管部门协同推动。唯有如此，才能真正实现生态共建、风险共担。 来源：经济日报 新能源车险曾经是财险公司经营中的棘手板块。高出险率、高赔付率，让这一新兴市场陷入承保亏损的 困境。然而，随着多家上市险企披露2025年中期业绩，这一情况正在发生转变：部分头部财险公司在新 能源车险领域实现了承保盈利，行业向上向好的曙光初现。这一变化不仅意味着新能源车险开始摆 脱"高赔付、难盈利"的魔咒，更昭示了车险市场格局正在迎来重塑。 从连续亏损到初现盈利，新能源车险的转机并非偶然，而是多重力量合作的结果。今年年初，监管部门 发布《关于深化改革加强监管促进新能源车险高质量发展的指导意见》，在降低维修使用成本、推动产 品创新、完善风险分担机制等方面为行业指明方向。行业协会先是推出了新能源车险示范条款，随后搭 建起"车险好投保"平台，为高赔付 ...

事关车主关心的新能源车险，一地发布最新"发展方案"。9月14日，北京商报记者了解到，安徽金融监管局等七部门近日联合发布《关于促进新能源车险高 质量发展的实施意见》（以下简称《实施意见》）。政策明确提出加快建设安徽省汽车全生命周期信息数字化服务管理平台，推动实现新能源汽车数据跨行 业合规共享；丰富商业车险产品以及优化商业车险基准费率等。 其中，在丰富商业车险产品方面，支持保险行业围绕新能源汽车商业车险保障需求，推动创新优化产品落地安徽。积极参与"基本+变动"新能源车险组合产 品推广应用，支持新能源网约车根据实际运营情况灵活投保。 在优化商业车险基准费率方面，《实施意见》提出，充分发挥行业纯风险保费在定价中的基准作用，开展行业纯风险保费测算调整工作。优化新车型车险定 价标准，综合考虑新车售价、续航里程、动力性能、安全配置、保险车型风险分级等因素，提升定价精准度和合理性。 《实施意见》还提出，加快建设安徽省汽车全生命周期信息数字化服务管理平台，推动实现新能源汽车数据跨行业合规共享。 在业内人士看来，这一举措与金融监管总局等四部门年内联合发布的《关于深化改革加强监管促进新能源车险高质量发展的指导意见》形成政策合力。一 ...

Core Insights - The insurance industry is witnessing a significant increase in average car insurance premiums, with over 80% of companies reporting a rise in the second quarter [4][5] - The car insurance sector remains the largest business in property insurance, accounting for approximately 46.71% of total premium income in the first half of 2025 [2] - The rapid growth of new energy vehicles is driving changes in the car insurance market, with a shift towards differentiated pricing and risk assessment [5][6] Group 1: Car Insurance Premium Data - As of August 13, 57 out of 78 property insurance companies reported their average car insurance premiums for the second quarter, with the highest premium at 5600 yuan and the lowest around 790 yuan [1] - Approximately 70% of the companies reported average premiums below 2000 yuan, with 4 companies having premiums under 1000 yuan [3] - Notable companies with low premiums include Huanu Insurance (993.93 yuan), Dubang Property Insurance (920 yuan), and others, while Japan Property Insurance and others reported premiums exceeding 4000 yuan [3] Group 2: Factors Influencing Premium Changes - The increase in average premiums is primarily attributed to the growth of new energy vehicle insurance, with new energy vehicles accounting for 44.3% of total new car sales in the first half of 2025 [5] - The average premiums for most companies increased by 100 to 200 yuan compared to the first quarter, indicating a general upward trend [4] - Despite the majority of companies having premiums below 2000 yuan, the market is moving towards a model of "lower prices, increased coverage, and improved quality" [3] Group 3: Market Dynamics and Future Outlook - The insurance industry is focusing on new energy vehicle insurance as a growth area, with many companies preparing to enter this market segment [6] - The regulatory environment is evolving to support the development of new energy vehicle insurance, with policies aimed at reducing costs and enhancing consumer protection [2] - The competitive landscape is shifting, with companies needing to adapt their strategies to succeed in the increasingly complex car insurance market [6]

Group 1 - The average car insurance premium among 57 property insurance companies is 1978.56 yuan, with the highest at 5700 yuan and the lowest at 900 yuan [1] - Car insurance accounts for 46.7% of the total insurance premium income of 964.5 billion yuan in the first half of the year, with car insurance premiums reaching 450.5 billion yuan [1] - 39 out of 57 insurance companies reported average car premiums below 2000 yuan, indicating a competitive pricing environment [1] Group 2 - Three small insurance companies reported average car premiums below 1000 yuan, highlighting their strategy to enhance competitiveness through lower pricing [2] - The average premium for new energy vehicles is 63% higher than that of fuel vehicles, with new energy vehicle premiums still about 10% higher even after adjusting for factors like vehicle age [2] - The insurance industry faced a loss of 5.7 billion yuan in new energy vehicle insurance in 2024, indicating ongoing challenges in profitability [2] Group 3 - The market for new energy vehicle insurance is in a critical transformation phase, with high repair costs and accident rates posing significant challenges [3] - Major insurance companies are seeing a decrease in comprehensive cost ratios for new energy vehicle insurance, narrowing the gap with fuel vehicles [3] - Analysts predict that the car insurance market will stabilize in the second half of 2025, supported by a steady expense ratio and an increase in new energy vehicle insurance share [3]

Core Insights - The "Car Insurance Good to Insure" platform has been operational for three months, successfully managing high compensation risk for new energy vehicle insurance [1] - The platform has registered 676,200 users and integrated with 32 property insurance companies, providing coverage for 506,600 new energy vehicles and offering insurance protection amounting to 494.812 billion yuan [1] Group 1 - The platform is a significant initiative to implement the guidelines issued by multiple regulatory bodies aimed at promoting high-quality development in new energy vehicle insurance [1] - It serves as an online convenient insurance application window specifically for high compensation risk new energy vehicles [1]

Core Insights - The insurance industry has shown significant growth in net profit and insurance business income in the first half of the year, with a total insurance business income of 259.49 billion yuan and a net profit of 9.25 billion yuan across 76 companies [1][2] - The substantial increase in net profit, up 92% year-on-year, is attributed to low base effects, optimization of underwriting, and recovery in investment income [1][2] - A total of 68 out of 76 insurance companies reported profits, with a combined profit of 9.44 billion yuan, while only 8 companies reported losses totaling 0.19 billion yuan, a significant decrease in loss-making companies compared to the previous year [2] Insurance Business Performance - Major players such as China Life Property Insurance, China United Property Insurance, and Yingda Taihe Property Insurance each reported insurance business income exceeding 10 billion yuan, with figures of 59.27 billion yuan, 42.39 billion yuan, and 10.14 billion yuan respectively [2] - The remaining 74 companies, excluding two newly established firms, experienced an 8.4% year-on-year growth in insurance business income and a 92% increase in net profit [2] Cost Management and Profitability - The number of companies with a comprehensive cost ratio exceeding 100% decreased from 44 to 40, indicating improved underwriting profitability [3] - Factors contributing to this improvement include the deepening of auto insurance reforms, optimization of non-auto insurance business structures, and a reduction in economic losses from natural disasters [3] Future Outlook and Strategic Recommendations - Experts suggest that insurance companies should optimize product structures by exploring emerging fields such as green insurance, technology insurance, and cybersecurity insurance [4][5] - There is a call for upgrading traditional auto insurance products to align with advancements in smart driving technology and enhancing the proportion of liability and agricultural insurance in non-auto products [4][5] - The use of digital tools for precise marketing and pricing is recommended to enhance product competitiveness and drive sustainable high-quality development in the insurance sector [5]

Group 1 - The core viewpoint of the articles highlights a significant increase in the profitability of property insurance companies in the first half of the year, driven by factors such as low base effects, underwriting optimization, and a recovery in investment income [1][2][3] - A total of 76 property insurance companies reported an aggregate insurance business income of 259.49 billion yuan and a net profit of 9.25 billion yuan, with 74 companies showing year-on-year growth in both metrics, particularly a 92% increase in net profit [1][2] - The number of companies with a comprehensive cost ratio exceeding 100% decreased from 44 to 40, indicating improved underwriting profitability due to product structure optimization and reduced natural disaster losses [3] Group 2 - Among the 76 companies, 68 achieved profitability, collectively earning 9.44 billion yuan, while only 8 companies reported losses totaling 0.19 billion yuan, a significant decrease from 22 loss-making companies in the previous year [2] - Experts suggest that the substantial rise in net profit is a result of improved underwriting and a recovering investment environment, with stable growth in insurance business income and a decline in the overall cost ratio [2][3] - Future strategies for property insurance companies include optimizing product structures by exploring emerging fields such as green insurance and technology insurance, upgrading traditional auto insurance products, and leveraging digital tools for precise marketing and pricing [4]

庄先生按自己的投保习惯，降低了三者险保额，去掉附加险种，最终报出的保费是7958元，但这也比他去年购置同款车辆的保费高出大概1000元。 新车报价上涨千元，这是行业的普遍行为，还是单个机构的风险测算调整？截至目前，多位保险机构人士对保通社表示，尚未听说行业整体保费涨价的消 息。 每经记者 袁园 涂颖浩 每经编辑 廖丹 最近，上海的新能源车主庄先生（化名）置换了一台电车，投保时却被惊呆了，保险销售人员给出的报价近万元。 新车保费上涨千元，续保价格下降三成 "我的保险比去年贵了很多。"最近，新能源车主庄先生购置了一辆新车，置换开了一年的同款电车，新车价格比去年还便宜了10万元，却不料被车险价格打 了个措手不及。 同款新能源车今年3月续保价格 无独有偶，近日，保通社从相关渠道获悉，另一款知名新能源汽车新车保费相比去年也出现了一定幅度的上调。以其20万元出头车型在北京的报价为例，人 保、太保、平安三家的车损险保费均为3289元，去年同期，这三家的报价分别是2873元、2873元、2634元。车损险上涨了400元至600元。 4月17日，庄先生在4S店买保险时，对方报出了近万元的价格，这包括300万元的三者险，还有不少 ...