Core Viewpoint - The ride-hailing industry, with over 500 million users, faces significant challenges due to rising insurance premiums and difficulties in obtaining coverage, particularly for electric vehicles, which hampers its growth [1][5]. Insurance Premium Trends - Insurance premiums for electric ride-hailing vehicles have been increasing significantly, with some drivers reporting annual premiums rising from 8,500 yuan to 14,000 yuan, reflecting a surge of over 64% [2][3]. - In 2025, one driver experienced a 30% increase in premiums, raising costs from 6,500 yuan to 8,500 yuan [2]. - Another driver noted a premium increase from 8,500 yuan in 2024 to 9,800 yuan in 2025, exceeding 15% [3]. Challenges in Obtaining Insurance - Many insurance companies classify electric vehicles as high-risk, leading to difficulties in obtaining coverage, with some drivers being forced to renew at inflated rates due to lack of alternatives [2][3][5]. - A significant number of ride-hailing vehicles are unable to operate due to high insurance quotes, with some companies reporting premiums as high as 25,000 yuan annually [3]. Factors Contributing to High Premiums - The insurance industry cites high accident rates and repair costs associated with electric vehicles as primary reasons for elevated premiums [6][7]. - Current insurance pricing models rely on static indicators like vehicle age and brand, failing to account for dynamic factors such as driving behavior and usage patterns, which are critical for ride-hailing operations [7][10]. Recommendations for Improvement - Experts suggest developing a multi-dimensional pricing model that incorporates real-time driving data, such as sudden acceleration and nighttime driving, to better reflect the risks associated with ride-hailing [10][11]. - There is a call for collaboration between regulatory bodies, insurance companies, and ride-hailing platforms to create a risk assessment platform that enhances premium pricing accuracy [11]. - The establishment of a risk-sharing mechanism and the optimization of insurance product offerings are recommended to address the high costs and accessibility issues faced by ride-hailing drivers [9][10].