Core Insights - The insurance premiums for new energy vehicles (NEVs) are generally higher compared to traditional fuel vehicles, with the average premium for NEVs in 2023 being 4,395 yuan, which is 63% higher than that of fuel vehicles [3][5] - The new energy vehicle insurance market is currently facing challenges, including high loss ratios and difficulty in achieving profitability, with many insurers struggling to keep their comprehensive cost ratios below 100% [4][5] - There are signs of improvement in the NEV insurance sector, with a significant increase in signed premiums and a potential shift towards profitability as the market matures and data sharing improves [5][9] Insurance Premium Trends - The first-year insurance premium for the Xiaomi SU7 Max in Beijing is over 7,000 yuan, with potential reductions in the second year if no claims are made, while claims can lead to premiums exceeding 10,000 yuan [1] - Premiums for NEVs vary significantly by region due to factors such as vehicle ownership, accident risk, and repair costs, leading to higher premiums in areas with a high concentration of NEVs [2] Industry Performance - The average insurance premium for the entire auto insurance market is close to 2,000 yuan, while NEV-focused insurers report premiums exceeding 4,000 yuan [3] - The insurance industry reported a loss of 67 million yuan in 2023 from NEV insurance, highlighting the ongoing challenges in this segment [5] Cost Management Challenges - The comprehensive cost ratio for NEV insurance remains above 100% for most insurers, indicating a loss-making situation for the industry as a whole [4][5] - The complexity of insuring NEVs, particularly due to high repair costs associated with components like batteries and sensors, contributes to the elevated risk and costs for insurers [5] Regulatory and Market Developments - Recent regulatory measures aim to separate high-risk NEV insurance from individual insurers, promoting a healthier business ecosystem [6] - The establishment of platforms like "Car Insurance Good to Insure" facilitates easier access to insurance for NEVs, potentially improving market conditions [6] Future Outlook - Industry experts suggest that collaboration among regulators, insurers, and automakers is essential to lower insurance costs and improve profitability in the NEV insurance market [7][8] - The potential for scale effects and improved data utilization may help insurers manage risks better and achieve profitability as the NEV market continues to grow [9]

"年续保都像一场'心理战'，看到保费数字就头疼。"北京新能源车主席女士的感慨，道出了无数新能源 车主的心声。2025年，席女士的车险保费从4802元涨至5412元，尽管前一年未出险，却仍需多支付600 余元。席女士的遭遇并非个例，而是新能源车主群体共同面临的"保费之困"。 自2021年12月《中国保险行业协会新能源汽车商业保险专属条款（试行）》发布以来，新能源车险保费 贵的声音持续发酵。金融监管总局数据显示，2023年我国新能源汽车车均保费为4395元，比燃油车高出 63%。即便扣除车龄等因素，新能源新车保费仍比燃油车新车高约10%。上海一位车主无奈地表示，其 新能源汽车前一年未出险，次年保费仍上涨1200元，陷入"省油不省钱"的尴尬境地。 如何走出保费困局 要破解新能源车险贵的问题，降低赔付率是关键。如人保财险渠道掌控能力和定价能力较强，与维修、 电池厂家等进行了深度合作；中国太平搭建了新能源汽车专属定价数据库，将不同客群的风险区分度提 升至两倍以上，支持差异化定价；太保产险建立了集中化的理赔模式，与车企实时沟通理赔的相关标 准、配件的价格以及出险的相关数据，不断降低新能源汽车的理赔成本。 政策层面也在实时 ...