北京商报讯（记者 胡永新）12月26日，北京商报记者获悉，近日，北京首批L3级高速公路自动驾驶车 辆专用号牌正式核发，中国平安财产保险股份有限公司北京分公司（以下简称"平安产险北京分公司"） 在国家金融监管总局北京监管局指导下，全程深度参与保障工作，为北京首张L3级自动驾驶号牌顺利 落地筑牢风险防护屏障。 据悉，前期在北京市金融监管局统筹指导下，平安产险北京分公司联合两家机构组建专项小组，紧扣项 目进展深耕智能驾驶保险领域，积极响应国家新能源产业发展导向。此次深度参与L3级自动驾驶号牌 落地保障工作，是平安产险北京分公司智能驾驶保险方案从"构想"到"商业落地"的关键突破，充分彰显 其专业的保险服务能力与创新实力。 平安产险北京分公司表示，未来，将持续在北京市金融监管局指导下，深化与保险同业、车企、技术机 构等多方协作，不断迭代优化智能驾驶保险产品与服务方案，为新能源与智能网联汽车产业高质量发展 持续注入保险动能。 针对L3级自动驾驶"人机共驾"的独特场景，平安产险北京分公司相关产品为开启L3功能时发生交通事 故造成的损失，提供每座最高200万元的车上人员保额及最高500万元的第三者损失保额，更精准覆盖自 动驾 ...

随着首批L3级自动驾驶车型准入许可落地，两款车型将在北京、重庆两地指定区域开展试点。这是我 国L3级自动驾驶从测试阶段迈入商业化应用的关键一步，也为保险业带来全新的市场机遇和挑战。 上海证券报记者在调研中发现，尽管L3级自动驾驶车型落地，但是保险行业尚未完成与自动驾驶的产 品适配。目前，仅有部分车企与保险公司合作推出了智驾相关的定制化、专属化保障方案，而专门针对 智能驾驶的保险产品仍是市场空白。 保险公司尚未推出专属智驾险 近年来，我国智能网联汽车发展驶入快车道。记者调研发现，智能驾驶保险市场仍处于起步阶段，专属 产品供给存在明显的缺口，仅有部分车企与保险公司合作推出了智驾相关的定制化、专属化保障方案。 蔚来汽车工作人员谢泽对记者表示，蔚来目前没有独立的智驾专属保险产品。蔚来联合太平洋(4.140, 0.00, 0.00%)保险推出智驾相关保障服务与定制车险方案，针对智驾场景提供补充保障，多为购车相关 权益，非单独可购险种，赔付路径由车企主导。 小米汽车客服对记者表示，小米汽车联合保险机构推出小米智驾保障服务。目前该服务为内测阶段，仅 向部分满足条件的车主开放。 小鹏汽车从4月份推出了"智能辅助驾驶安心服务" ...

首批L3车型上路，一场关于责任、风险与创新的变化或逐步展开。12月15日，工业和信息化部正式公布我国首批L3级有条件自动驾驶车型准入许可，两款 分别适配城市拥堵、高速路段的车型将在北京、重庆指定区域开展上路试点，标志着我国L3级自动驾驶从测试阶段迈入商业化应用的关键一步。业内一致 认为，此次获批将带动新出行、新保险等衍生业态发展。 其实，政策层面早已释放出行业可以提前布局的信号。今年1月，国家金融监督管理总局、工业和信息化部等四部门发布的《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》明确提出，要统筹保险行业力量，全面系统研究智能驾驶、车型快速迭代等对车险经营的中长期影响，及早谋划转型发 展。 "保险业要适应智能化趋势下风险的变化，在模型的优化完善、保险产品创新服务方面，让保障更全面、更公平，也让汽车的价值更安全。"在2025金融街论 坛年会"中欧保险创新论坛"上，中国银行保险信息技术管理有限公司副总裁王罡表示。 保障缺口明显，市场空白待填补 当自动驾驶技术从炫酷的"可用"概念迈向日常的"常用"工具之际，传统保险体系正直面一场新的挑战。 这场由代码和算法驱动的出行革命，在引发无限遐想的同时，也将 ...

Core Insights - The rise of smart vehicles is reshaping the automotive industry and presenting significant opportunities and challenges for insurance services [1] - The penetration rate of new cars with Level 2 (L2) driving assistance functions in China reached 62.58% from January to July this year, with predictions indicating that over 90% of new cars will have L2 or higher capabilities in about ten years [1] - Regulatory bodies are emphasizing the need for the insurance industry to adapt to the impacts of smart driving and rapid vehicle model iterations [1][2] Group 1: Opportunities in Smart Driving Insurance - The insurance industry is expected to innovate products to meet new demands arising from smart driving technologies, shifting responsibility from human drivers to technology [1][4] - There is a vast potential for insurance products based on traditional car insurance, with extensions for smart driving responsibilities, including software/hardware failures and cybersecurity risks [4][7] - The establishment of a cross-industry communication platform for smart driving insurance is underway, aiming to connect insurance companies and the automotive industry [2] Group 2: Challenges in Smart Driving Insurance - The complexity of responsibility identification in smart driving accidents poses significant challenges for insurance companies, as multiple parties are involved [5][8] - The current smart driving insurance market in China is characterized by small premium volumes, low policy counts, and high uncertainty regarding risks [8] - Many existing "smart driving insurance" products are more service-oriented rather than traditional insurance contracts, indicating a need for regulatory clarity [8] Group 3: Market Trends and Innovations - Customized and exclusive insurance products are emerging, driven by the unique risk characteristics of different vehicle models and software versions [6][7] - Insurance companies are collaborating with automakers to embed insurance into the usage and activation scenarios of smart features, enhancing customer retention [4][6] - The insurance value chain is evolving from mere risk compensation to a model that includes services, risk control, and data-driven pricing [7]

Core Viewpoint - The rise of fake car insurance has become a significant concern, particularly for electric vehicle owners, who may confuse service products with legitimate insurance policies [1][3][4] Group 1: Identification of Fake Insurance - Fake car insurance often uses terms like "guarantee" or "service" instead of "insurance," and the premiums are significantly lower than standard car insurance [3][4] - Many consumers have mistakenly believed that service products, such as "motor vehicle loss guarantee," are legitimate insurance, leading to denied claims when seeking compensation [3][4] - The contracts associated with these fake products are not legally recognized as insurance contracts and lack the protections afforded by insurance law, increasing the risk of claim denial [3][4][5] Group 2: Consumer Awareness and Identification - Consumers should be vigilant and recognize that legitimate insurance policies are issued by licensed insurance companies, while fake policies often come from service or logistics companies [4][5] - Payment for legitimate insurance is made to the insurance company's official account, whereas fake insurance may involve payments to non-insurance entities or individuals [4][5] - Verification of insurance policies can be done through official channels or apps, which is not possible with fake policies [4][5] Group 3: Regulatory and Industry Response - Regulatory bodies need to enhance qualification reviews and legal frameworks to combat illegal operations in the insurance sector [6] - The insurance industry should promote self-regulation and improve consumer education to enhance risk identification capabilities [6] - The introduction of the "Car Insurance Easy to Insure" platform aims to facilitate the insurance process for electric vehicle owners, ensuring they can access legitimate insurance options [8] Group 4: Innovations in Insurance Products - Electric vehicle manufacturers are increasingly integrating insurance services into their business models, offering unique products that combine insurance with additional services [9][10] - Companies like BYD and NIO are developing innovative insurance products that leverage their technological advantages and provide comprehensive coverage [9][10] - Despite the advancements, challenges remain in defining responsibilities, data availability, and consumer understanding, necessitating collaboration and talent development within the industry [10]