12月份的北京，一场大雪过后气温降至0℃以下，但在华联顺义金街购物中心，多个新能源汽车销售展 位却一片火热，试乘者络绎不绝。 今年以来，我国新能源汽车保有量持续提升，前11个月新能源汽车销量达1478万辆，同比增长31.2%。 同时，新能源车险保费规模也快速增长。国家金融监督管理总局财产保险监管司（再保险监管司）司长 尹江鳌近日表示，预计今年新能源车险保费（含交强险）将达到2000亿元，同比增长超30%。 新能源车险保费包括商业车险和交强险，记者获悉，2023年、2024年和2025年前11个月的新能源商业车 险签单保费同比增速均超30%。 保费规模稳步增长的背后，新能源车险正迎来"新变局"。今年以来，监管部门、保险公司加速推动新能 源车险的经营模式改革，积极以新思路化解"老问题"。 此外，智能驾驶等变量还将持续对新能源车险的增长曲线产生影响，未来仍需产业链各方协同探索行稳 致远之道。 新市场定位逐步形成 据尹江鳌介绍，今年前三季度，新能源汽车商业险投保率达91%，比燃油车高6个百分点。 新能源车险投保率的快速增长有多重原因：新能源汽车销量快速增长、监管优化相关车险政策、险企不 断强化新能源车险承保能力、车险 ...

Core Insights - The rise of intelligent assisted driving technology is becoming a core competitive advantage for automotive companies, with BYD's "Tianshen Eye" system set to rival Tesla's FSD, aiming for implementation in all models priced above 100,000 RMB by 2025, indicating a significant market shift towards economic models [1] - The Swiss Re report highlights that while the Chinese auto insurance market has stabilized, emerging risks and claims trends present both challenges and opportunities, particularly with the rise of intelligent assisted driving vehicles potentially reducing accident frequency and reshaping the insurance landscape [1] Market Trends - The Chinese auto insurance market has seen fluctuations in premium growth, with a compound annual growth rate of 8.2% from 2014 to 2019, but a decline of 5.7% in 2021, leading to a combined cost ratio of 101% in the same year, marking the first underwriting loss since 2015 [2] - The market is expected to recover, with a projected compound annual growth rate of 5.5% in premiums from 2022 to 2024, aligning with a vehicle ownership growth rate of 5.2%, and a combined cost ratio improving to 98.1% [2] Emerging Risks - Significant claims trends include natural disasters causing claims to spike, with losses from major events potentially reaching nearly 1% of market premiums, posing profitability challenges for insurers already facing thin margins [3] - The insurance industry is also grappling with stable claims inflation rates for vehicle damage and third-party liability, while the short-term impact of electric vehicles (EVs) on claims costs remains a concern, as EVs currently have higher payout costs compared to traditional vehicles [3] Electric Vehicle Insurance Landscape - China is projected to dominate the global EV market, with EV sales expected to account for 70% of global sales by 2024, and the penetration rate of new EV sales in China reaching 48%, translating to approximately 13 million units sold [4] - The insurance premium for EVs is anticipated to reach 140.9 billion RMB by 2024, representing 15.4% of total auto insurance premiums, with expectations to rise to 37% by 2030 [4] - The average combined cost ratio for EV insurance is projected to be around 107% in 2024, with underwriting losses estimated at 5.7 billion RMB, driven by high claims rates among certain models [4][5] Collaboration and Product Development - The high risk premium for EV insurance is attributed to factors such as the high cost of battery components, the need for driver adaptation to different driving characteristics, and a higher representation of riskier demographics among EV drivers [5] - The emergence of intelligent assisted driving technology offers opportunities for insurers to design new products, such as intelligent driving liability insurance, which will cover losses due to system defects, with expected rapid growth starting in late 2024 [6] - China's automotive export surge, projected to exceed Japan with 6.4 million units and 117 billion USD in export value, necessitates tailored insurance products for exporters, fostering a robust insurance ecosystem to support international trade [6]