撰文 / 温 莎 编辑 / 张 南 设计 / 张 萌 继2025年4月国家出手整顿智能驾驶之后，各大车企在"不得进行夸大和虚假宣传"的紧箍咒下，都收敛了许多。不 少企业连夜将PPT上的智能驾驶全部改成了辅助驾驶。 确实，随着越来越多智能辅助驾驶功能成为汽车的标配，"人机共驾" 的新时代正在加速到来，但是离跨越到L3还 是有不短的距离。 因此，高速公路上的标语开始与时俱进，从"司机一滴酒，家人两行泪"变为了"智能驾驶只是辅助，高速开车仍需 专注"，"智能辅助非托管，脱手一秒险万分""前方施工占道，慎用智能辅助驾驶"…… 在卷成麻花的市场中，总要想办法打出差异化。 7月9日，国内一家车厂宣布在全球率先实现媲美L4级的智能泊车功能。更吸引眼球的一个大招是，对所有搭载该 智能驾驶系统的车辆，在智能泊车过程中出现的安全问题和损失，全部负责到底。 L3还没来，L4先到了。但是，这一次某车厂谈论L4谨慎了许多，首先前面加上了"媲美"两字，其次将功能圈定在 了泊车之内，最后还为事故兜底。 这到底是技术进步，还是文字游戏？《汽车商业评论》采访了10位业内人士，他们中3个人没有回复，剩下的大多 不愿意具名，但还是还原了部分真相。 ...

Core Viewpoint - The emergence of "Intelligent Driving Insurance" (智驾险) aims to provide coverage for potential risks associated with the use of intelligent driving assistance technologies, addressing consumer concerns and enhancing their confidence in these features [2][3]. Group 1: Industry Developments - Numerous automotive companies and insurance firms are launching targeted products, such as "Intelligent Driving Insurance," to alleviate consumer worries regarding the safety of intelligent driving technologies [2]. - The increasing adoption of intelligent driving features, such as automatic parking and lane-keeping assistance, is accelerating the transition to a new era of "human-machine co-driving" [2]. - Companies are focusing on "equalizing intelligent driving" by integrating advanced technologies into more vehicles while addressing user safety concerns [2]. Group 2: Consumer Experience - A consumer shared that the psychological comfort provided by "Intelligent Driving Insurance" encouraged them to try automatic parking, although they later experienced a minor accident [3]. - The claims process for "Intelligent Driving Insurance" can be complex, raising doubts about the reliability of intelligent driving features and the insurance itself [4][5]. Group 3: Legal and Regulatory Issues - There are ongoing disputes regarding legal responsibilities and liability divisions related to "Intelligent Driving Insurance," questioning whether it serves merely as a risk transfer tool or as essential psychological support for consumers embracing new technologies [3][8]. - The lack of clear legal standards for determining responsibility in intelligent driving scenarios complicates the claims process, as current laws do not adequately address the division of liability between users and manufacturers [8][9]. - The insurance products marketed as "Intelligent Driving Insurance" are often not true insurance products but rather value-added services provided by automotive companies, with insurance companies acting as partners in risk assessment and compensation [5][6]. Group 4: Data and Responsibility - The absence of clear regulations regarding data ownership, usage rights, and protection complicates the interactions between automotive manufacturers, system suppliers, vehicle owners, and insurance companies [8][10]. - The current legal framework does not establish standards for the division of responsibility in accidents involving intelligent driving systems, leading to disputes over whether issues arise from system failures or user errors [9][10]. - Establishing clear rules for data storage and usage is essential for ensuring the integrity of accident data and maintaining the legal rights of all parties involved [10].

当智能驾驶事故频频登上热搜，车企竞相推出的"智驾险"是真保障还是新噱头？ 随着智能驾驶技术的快速发展，L2级辅助驾驶已成为新车的标配，L3级有条件自动驾驶也逐步进入商 业化试点阶段。然而，技术的进步并未完全消除公众对辅助驾驶安全性的疑虑，反而催生了一个新的问 题：当车辆在智能驾驶模式下发生事故，责任该如何划分？保险公司是否愿意承保？车企如何向消费者 证明技术的可靠性？ 智驾险，便是在这种背景下诞生的"新物种"。从华为联合赛力斯推出"智驾无忧服务权益"，到小鹏、小 米、蔚来相继发布智驾保障计划，车企接二连三的动作足以说明，围绕智驾险的产品竞速已经悄然开 启。 不过，从"小红书"等社交平台上的反馈来看，消费者对智驾险的态度呈现两极分化的状况——技术爱好 者更看重保障额度和服务范围，愿意为创新产品买单；而普通用户则更关注价格和实用性，对附加保障 的付费意愿有限，甚至有部分消费者认为，购买智驾险增加了经济负担，尤其是在新能源汽车市场，车 险价格本就较高，叠加智驾险的费用自然会更高。 这种分歧恰恰反映了当前智驾险面临的核心矛盾：它既是车企为技术背书的工具，也可能沦为一场"安 全感营销"的游戏。到底是实质保障，还是新瓶装 ...

点 击 蓝 字 关 注 我 们 本文全文共 1186 字，阅读全文约需 4 分钟 中国汽车流通协会乘用车市场信息联席分会与广州威尔森信息科技有限公司将每月联合发布"OTA监测月 报"。 OTA（空中下载技术）即通过移动通信技术来进行无线系统升级。 OTA月报，是以全市场OTA升级信息为基础，通过智见OTA平台，进行解析测评、专家解说、车主反 馈、数据分析等模块，梳理出的全面行业OTA监测报告（本报告为简约版）。 OTA数据概览：新势力 2025年4月，新势力品牌共计更新126项功能(上月6项)，相较上月大幅上升；虽然本月升级功能集中 在"语音助手"、"车设车控"模块，"辅助驾驶"相关升级寥寥无几，但近期华为发布乾崑智驾ADS 4、 小鹏上线"智驾险"、蔚来宣传"NWM世界模型"等举措，表明辅助驾驶仍是头部新势力的重要战略阵 地，不过在OTA升级监管政策持续收紧背景下，"辅助驾驶"功能迭代节奏或将有所变革 。 OTA数据概览：自主品牌 2025年4月，自主品牌共计更新256项功能（上月259项），本月自主OTA升级品牌数 为11个，其中领克、东风奕派、仰望品牌均在本月推送了大版本升级 。 OTA数据概览：行业整 ...

Group 1 - The core concept of "Intelligent Driving Insurance" (智驾险) is emerging as a response to the growing concerns of car owners regarding liability in accidents involving advanced driver-assistance systems (ADAS) [1][3][4] - Several electric vehicle manufacturers, such as Xpeng Motors and Xiaomi, are offering "Intelligent Driving Insurance" as a supplementary service, which provides compensation in case of accidents while using their autonomous driving features [2][4][5] - The current state of autonomous driving technology is primarily at Level 2 (L2), with Level 3 (L3) still under development, leading to complex liability issues that require further legal and policy refinement [1][7][8] Group 2 - The "Intelligent Driving Insurance" is not classified as a true insurance product, as it is not officially registered with regulatory bodies and is primarily a liability coverage option provided by car manufacturers [3][4][5] - Car manufacturers are responsible for compensation under these plans, which often require customers to first purchase traditional insurance products before being eligible for the supplementary coverage [4][6] - The insurance companies involved are primarily providing data and risk assessment support, rather than directly handling claims, which raises questions about the transparency and regulatory compliance of these offerings [6][8][9] Group 3 - The development of "Intelligent Driving Insurance" is seen as a potential catalyst for enhancing consumer trust in autonomous driving technologies and promoting their adoption [5][8] - Industry experts highlight the need for clearer regulations and standards to define the boundaries and relationships between "Intelligent Driving Insurance" and existing insurance products to avoid overlaps and disputes [8][9] - Future developments may see the emergence of dedicated insurance products for intelligent driving, particularly from manufacturers with their own insurance subsidiaries, as the technology and regulatory landscape evolves [9]

Core Insights - The emergence of smart driving insurance as a new protection product has garnered industry attention, with companies like Jiyue, Hongmeng Zhixing, and Avita launching smart driving insurance services to cover losses related to smart driving assistance functions [1] - Smart driving insurance is currently positioned more as a value-added service rather than a traditional insurance product, leading to a development dilemma due to annual costs in the thousands of yuan and disputes over responsibilities [1] - Consumers have raised concerns about the motivations behind automakers' involvement in smart driving insurance, suggesting that it may shift the liability for system defects to insurance companies while allowing automakers to optimize algorithms based on claims data [1] Group 1 - The lack of a clear responsibility recognition system is a major issue, as current traffic safety laws do not establish standards for "human-machine responsibility" in smart driving accidents, leading to disputes over "system failure" versus "operational error" [1] - Automakers' monopolistic control over driving data exacerbates the risk of unfair responsibility determination, as they participate in the determination process while retaining original data [1] - There is a significant overlap between the coverage of smart driving insurance and traditional car insurance, leading to instances of redundant coverage [1] Group 2 - The iteration of smart driving technology is reshaping traditional car insurance logic, presenting three challenges for insurance pricing: the shift of risk from drivers to smart driving systems, rapid technological changes increasing risk variables, and the lack of unified responsibility recognition standards [2] - To build a healthy ecosystem for smart driving insurance, collaboration among multiple parties is essential, including clarifying responsibility boundaries for different levels of autonomous driving and establishing technical standards for accident assessment [2] - Smart driving insurance should evolve from mere loss compensation to risk prevention, with some automakers exploring innovative service models that monitor user behavior data and offer premium refunds for compliant usage [2]

随着汽车智能化进程的加速，智能辅助驾驶功能在提升驾驶便利性的同时，也引发了人们对于事故责任界定和风险保障的关注。在此背景下，智驾险 应运而生。 近日，剧透很久的小鹏智能辅助驾驶服务正式上线，为使用小鹏AI智能辅助驾驶的车主提供"智驾险"保障。同时，小鹏汽车还宣布，这次推出的智驾 险是行业唯一提供NGP退出后5秒内仍可享受权益的产品。小鹏此次推出的低价、高保障的智驾险，为用户吃下"定心丸"，也让智驾险这一新兴保险品类 再次成为关注的焦点。 车企押宝"智驾险"新赛道 在智能驾驶技术迭代加速、竞争白热化的当下，车企与保险公司敏锐捕捉行业痛点，纷纷锚定智能驾驶保险这一赛道。 以小鹏"智驾险"为例，定价仅每年239元，车主便能享受诸多权益。从保障额度看，最高可获100万元赔付，为事故损失兜底。而且覆盖范围极广，行 车场景中的导航辅助驾驶NGP、车道巡航辅助LCC，以及泊车场景里的智能泊车APA等常用功能都被纳入其中，无论是日常通勤、高速行驶，还是停车入 位，都有保障。同时，赔付不限次数，一年内多次事故均可理赔，并且小鹏全车系、新老车主均可购买，不受车型与购买时间限制 。 此外，还有最受关注的"NGP退出后5秒权益延续" ...

苹果正在开发 20 周年纪念款 iPhone。 消息来自知名科技记者 Mark Gurman，预计将于 2027 年发布，具体包含两个新型号，包括首款折 叠屏 iPhone 和一款一体化玻璃设计的 iPhone Pro。尽管苹果正在努力将更多产能迁至印度，但 Gurman 预计这两款需要新零部件和新生产工艺的机型，一开始不在中国生产的可能性不大。 赛力斯向港交所提交 IPO 申请。 4 月 28 日，赛力斯申请港股主板上市，中金公司和中国银河国际证券为联席保荐人。此次 IPO 拟 募资，70% 用于研发，20% 用于营销渠道、海外销售及充电网络，10% 用于运营资金。 2024 年赛力斯实现营业收入 1451.76 亿元，同比增长 305.04%；归属于上市公司股东的净利润达 59.46 亿元，同比扭亏；新能源汽车毛利率提升至 26.21%。2024 年研发投入达 70.53 亿元，同比增 长 58.9%。 沪上阿姨预计募资 2.7 亿港元。 沪上阿姨今天公告称拟全球发售约 241 万股 H 股，每股 95.57 港元 / 股至 113.12 港元 / 股，募资 2.3 - 2.7 亿港元，市值约为 100. ...

Core Viewpoint - Xiaopeng Motors has launched its "Smart Driving Insurance" service, providing coverage for users of its AI-assisted driving system, emphasizing safety and accessibility for all vehicle owners [1][3]. Group 1: Product Launch and Features - The "Smart Driving Insurance" is available for an annual fee of 239 yuan and can be purchased by both new and existing owners across all Xiaopeng vehicle models [1][3]. - The insurance covers multiple scenarios, is offered in collaboration with leading insurance companies, and allows for unlimited claims [3]. Group 2: Purchase Process and Conditions - To purchase the insurance, customers must first buy mandatory and commercial insurance through Xiaopeng's official channels, and then they can access the "Smart Driving Insurance" within three days [3]. - Purchases made through other channels or prior to the official insurance purchase are currently not eligible for this service [3]. Group 3: Industry Context and Safety Measures - The recent focus on intelligent assisted driving has been highlighted by a meeting organized by the Ministry of Industry and Information Technology, emphasizing the need for safety and clear communication from manufacturers [3]. - Xiaopeng Motors has been proactive in enhancing safety measures, including initiatives like the "New Driver Exam" for AI-assisted driving and safety training camps [4].

Investment Rating - The report does not explicitly state an investment rating for XPeng [1]. Core Views - XPeng has launched the "Intelligent Driving Insurance" priced at RMB 239 per year, offering a maximum coverage of RMB 1 million, which covers incidents occurring within five seconds after exiting smart driving mode [10][11]. - This insurance is a supplementary protection for intelligent driving features, not a replacement for mandatory or commercial auto insurance, and it reflects XPeng's confidence in its technology and commitment to user safety [12][13]. - The introduction of this insurance product is seen as a significant enhancement to current L2+ products, aimed at boosting consumer confidence and supporting sales conversion amid growing market demand for advanced assisted driving technologies [13]. Summary by Sections Event - On April 28, 2025, XPeng officially launched the "Intelligent Driving Insurance," which is available for all XPeng vehicle owners and covers both new and existing customers [10]. Commentary - The insurance service is jointly offered with five insurers, including PICC, and is available exclusively through XPeng's official partner channels [11]. - The coverage period for driving functions extends from activation until five seconds after deactivation, while for parking functions, it ends immediately upon deactivation [11]. Positioning - The insurance is positioned as a supplement to traditional auto insurance, specifically designed to cover scenarios that occur within five seconds after the system exits, marking an industry innovation [12]. - This initiative is expected to create a competitive advantage for XPeng in the intelligent driving market, similar to extended warranties for battery packs [13].