根据中国精算师协会（CAA）最新数据，2024年中国内地保险公司承保电动汽车保险合计亏损57亿元 人民币——在新能源车销量持续增长的背景下，如此规模的承保亏损，一度成为资本市场关注的焦点。 导读：通过提高保费、使用AI工具以及提升理赔处理效率，为电动汽车承保的保险公司有望在今年实 现盈利。 （文 / 观察者网 周盛明 编辑 / 高莘） 据《南华早报》2月23日报道，虽然此前中国为电动汽车承保的保险公司巨亏数十亿元，但通过提高保 费、使用AI工具以及提升理赔处理效率，这些公司有望在今年实现盈利。 上海金融服务集团野狼资本（Ye Lang Capital）董事长王峰表示："保险业务长期亏损曾是电动汽车行业 快速发展的重要障碍。一旦主要保险公司在承保业务上实现盈利，电动汽车车主也将从更低的保费中受 益。" 值得注意的是，为了让电动汽车的保费更加合理，中国的保险公司正在研究针对网约车风险制定差异化 定价体系。 据悉，多位行业人士与分析师指出，如果电动汽车保险市场能够实现扭亏为盈，那么将会加快中国电动 化转型进程，这一转变具有重要意义。 本文系观察者网独家稿件，未经授权，不得转载。 更高的事故风险、更贵的维修成本是保险 ...

Group 1 - The average insurance premium for electric vehicle owners in the UAE has decreased by 9.5% over the past year, now averaging around 5,270 dirhams [1] - The decline in insurance costs is seen as a significant factor in boosting the sales of new electric vehicle models in the UAE [1] - The insurance market is evolving as more Chinese manufacturers enter the market, leading to a diversification in pricing, risk assessment, and premium structures [1] Group 2 - Despite concerns over insurance costs, electric vehicle sales in the UAE continue to grow, with increasing sales of new Tesla and BYD models [2] - Chinese electric vehicles are gaining market share through extended warranties and after-sales support, which help alleviate buyer concerns regarding annual insurance fees [2] - Currently, electric vehicle owners are paying insurance costs that amount to approximately 4.5% of the vehicle's value, significantly higher than the average for traditional fuel vehicles [2]