来源：上海证券报微信公众号 "我的车买了6年一直没出险，今年续保保费无缘无故涨了一千多块钱。"新年伊始，湖南一位宝马燃油 车车主杨女士向上海证券报记者"倒苦水"，马上要续保的车险保费大涨价让她很郁闷。 岁末年初通常是车险的集中续保期，记者近日调研了解到，与杨女士一样郁闷的燃油车车主并不少，湖 南、四川、安徽等多个地区均有车主反映未出险汽车保费上涨，这打破了以往未出险"好车主"保费往往 会下降的常识。 从人保财险业务人员给杨女士的报价单来看，车损险和三责险之和较去年涨幅超40%。其中，今年的车 损险报价为2571.37元、三责险报价为625.23元，两项合计3196.6元，同比去年增长约46.28%；车损险保 额从约17万元降至约15万元。 "以前没出险的时候，我的保费每年都是下降的。"杨女士告诉记者，今年车险突然涨价让她很疑惑。让 她更奇怪的是，她的车损险保额下降了，但保费却上涨了。 带着上述疑惑，杨女士咨询了人保财险业务人员，该业务人员告诉她，保额下降主要是因为车子的价格 下跌了，而保费上涨是因为有关部门对定价有要求，车险定价系数没有之前优惠了，不管车子有没有出 险都会涨价，如果出险涨价会更多。 湖南另一位 ...

面对日益严峻的风险，如何通过保险"花小钱保大钱"成为公众关注的焦点。 根据2025年最新执行标准，电动摩托车（车速＞50km/h、功率＞400W）及电动轻便摩托车（车速 25-50km/h、功率250-400W）属于机动车范畴，必须像汽车一样强制购买交强险。而对于符合新国标的 电动自行车（车速≤25km/h、功率≤250W、带脚踏功能）和老年低速代步车（车速＜15km/h），虽不强 制投保，但专家强烈建议车主自愿购买商业保险。 电动自行车（俗称"小电驴"）凭借便捷和经济的优势，已然成为城市通勤的主流交通工具。然而， 随着保有量激增与车速提升，其背后的安全隐患与经济风险日益凸显。近日，北京市西城区人民法院公 布的一起典型案例引发社会广泛关注：一场普通的电动车事故，因缺乏保险保障，导致肇事者面临高达 63万余元的巨额赔偿。 缺乏"保单"护航：一场车祸赔偿超60万元 在北京市西城区人民法院审理的这起案件中，某日，张某与周某均骑行电动自行车，两车相撞发生 交通事故导致张某受伤，公安交通管理部门认定两人负事故同等责任。张某经抢救无效，于事故次日去 世。张某继承人起诉周某至法院，要求其赔偿死亡赔偿金、医疗费等损失。周某所 ...

Core Viewpoint - The article discusses the impact of extreme weather on vehicle damage and the insurance claims process, emphasizing the importance of having comprehensive vehicle insurance to cover such losses [1][2]. Group 1: Insurance Coverage - According to the terms of motor vehicle loss insurance, insurers will compensate for vehicle damage caused by natural disasters or accidents during the insurance period, provided it is not within the exclusion range [1]. - Vehicle damage insurance is a voluntary commercial insurance, and if a vehicle owner only opts for mandatory liability insurance, they will not receive compensation for damages caused by natural disasters [1]. - Certain policyholders may have chosen exclusions for engine water damage, meaning if their vehicle's engine is damaged due to flooding, the insurer will not provide compensation [1]. Group 2: Premium Impact - The composition of car insurance premiums includes mandatory liability insurance and commercial insurance, with the latter being affected by claims related to natural disasters like hail and heavy rain [2]. - Claims made under comprehensive vehicle insurance can influence the No Claim Discount (NCD) coefficient, which affects future premium rates over a four-year period [2]. - Insurers set their own pricing coefficients based on claims history, and a claim due to hail can lead to an increase in these coefficients [2]. Group 3: Risk Mitigation - Vehicle users are advised to stay informed about weather warnings and adjust their travel plans accordingly to avoid exposing their vehicles to risk [2]. - Recommendations include parking in higher ground or indoor facilities during heavy rain and using protective covers for vehicles during hailstorms [2]. - Electric vehicle owners should avoid charging during heavy rain and refrain from starting their vehicles if they have been submerged to prevent secondary risks [2][3].

Core Viewpoint - In 2024, China Pacific Insurance (CPIC) reported its highest-ever profit, with revenue reaching 404.09 billion yuan, a year-on-year increase of 24.74%, and net profit of 44.96 billion yuan, up 64.95% [1][2] Group 1: Financial Performance - CPIC's net profit margin reached 11.49%, marking its first double-digit figure [1] - Total investment income for 2024 was 120.39 billion yuan, a significant increase of 130.5% year-on-year [4] - The company achieved a total investment return rate of 5.6%, up 3.0 percentage points from the previous year [5] Group 2: Insurance Premium Growth - Despite strong financial performance, CPIC's premium income growth was limited, with total premiums of approximately 442.07 billion yuan, a year-on-year increase of only 4.4% [2][3] - The overall insurance premium income in the domestic market is expected to slow down, with a projected growth rate of 5.7% for 2024, down from 9.1% in 2023 [2] Group 3: Asset Management Performance - The significant increase in CPIC's investment income was primarily driven by its asset management business, which outperformed expectations [3] - The fair value changes in investment income reversed from a loss of 11.71 billion yuan in 2023 to a gain of 37.71 billion yuan in 2024 [4] Group 4: Challenges in Insurance Business - The life insurance segment faced challenges, with premium growth of only 2.4%, significantly lower than competitors [6][7] - The company’s reliance on agent channels for sales, which contributed 77% of life insurance premiums, has led to concerns about future growth potential [8][9] Group 5: Future Outlook - The future growth of CPIC's insurance service revenue will depend on the performance of its life insurance and property insurance segments [7][8] - The company is focusing on enhancing its product offerings and improving agent productivity to address growth challenges [20][21]