北京市近日向无车家庭增发2万个新能源小客车指标，此举将2024年北京市新能源小客车指标额度提升至10万个。同时，叠加“以旧换新”补贴政策，有效激发了新能源汽车的消费潜力。根据公安部交通管理局的数据，截至6月底，全国新能源汽车保有量已达到2472万辆，占汽车总量的7.18%，其中纯电动汽车占比高达73.35%。
新能源汽车市场的蓬勃发展，也带动了车险保费的快速增长。中国人民财产保险副总裁降彩石表示，2024年一季度人保财险承保的新能源汽车数量同比增长48.4%，充电桩保费收入更是同比增长63.2%。
然而，新能源汽车保险市场面临“三高”问题，即高赔付率、高出险率和高保费，这对保险公司构成了不小的挑战。由于部分新能源汽车被登记为家用车但实际上用于网约车服务，保险公司难以准确识别，导致保费收入减少，家用车车主承担了更高的保费。
为了解决这一问题，比亚迪财险近期开通了线上投保渠道，并获得了车主的青睐。比亚迪董事长王传福在股东大会上表示，新能源汽车保险行业目前处于亏损状态，比亚迪正在探索通过保险赔付倒逼车辆优化设计和降低保险赔付成本。
保险公司也在积极寻求与车企的合作，以适应汽车产业的大变革。中国太平洋财产保险新能源车事业发展中心总经理黄垚提出，公司与车企应建立“生态融入、共享共建”的合作模式。通过深度合作和理赔数据共享，保险公司为车企提供了产品设计和改进建议，并构建了垂直一体化的服务体系，确保双方总部之间的高效沟通。
太保产险还致力于提升新能源汽车用户的使用体验，建立了销售与服务紧密结合的体系，为消费者提供全方位的风险保障。通过利用新能源汽车的智能化特点，保险公司能够提供事前预防、事中处理和事后理赔的综合服务，以满足消费者需求。
英语如下：
News Title: “Three High Challenges for New Energy Vehicle Insurance to Be Solved”
Keywords: New Energy, Vehicle Insurance, Cure
News Content:
Recently, Beijing has added 20,000 new energy mini-passenger car indicators for carless families, raising the total number of new energy mini-passenger car indicators for the city to 100,000 for the year 2024. This move, coupled with an “old for new” subsidy policy, has effectively stimulated the potential for the consumption of new energy vehicles. According to data from the Traffic Management Bureau of the Ministry of Public Security, by the end of June, the total number of new energy vehicles in China had reached 24.72 million, accounting for 7.18% of the total vehicle fleet, with pure electric vehicles making up 73.35% of that figure.
The vigorous development of the new energy vehicle market has also driven the rapid growth of vehicle insurance premiums. Vice President Xiang Cai Shi of China Life Insurance Co., Ltd. (CPLA) mentioned that in the first quarter of 2024, CPLA’s coverage of new energy vehicles increased by 48.4% year-on-year, with a 63.2% increase in revenue from charging station premiums.
However, the new energy vehicle insurance market faces the “three highs” issue, namely high claims rates, high accident rates, and high premiums, which pose a significant challenge to insurers. Due to some new energy vehicles being registered as private cars but actually used for ride-hailing services, insurers find it difficult to accurately identify them, leading to a reduction in premium income and higher premiums for private car owners.
To address this issue, BYD Property Insurance has recently launched an online insurance enrollment channel, which has been well received by customers. BYD’s Chairman Wang Chuan Fu stated at the shareholders’ meeting that the new energy vehicle insurance industry is currently operating at a loss, and BYD is exploring ways to push vehicle design optimization through insurance claims and reduce insurance claims costs.
Insurers are also actively seeking cooperation with automakers to adapt to the significant transformation in the automotive industry. Huang You, the General Manager of the New Energy Vehicle Development Center of China Pacific Insurance Co., Ltd. (CPIC), proposed that insurers and automakers should establish a cooperative model of “ecological integration and sharing.” Through deep cooperation and sharing of claims data, insurers provide manufacturers with suggestions for product design and improvement, and build a vertical integrated service system to ensure efficient communication between the headquarters of both parties.
CPIC is also committed to enhancing the user experience of new energy vehicles, establishing an integrated system of sales and service, and providing consumers with comprehensive risk protection. By leveraging the intelligent characteristics of new energy vehicles, insurers can provide comprehensive services including prevention, handling, and claims to meet consumer needs.
【来源】http://www.chinanews.com/cj/2024/07-31/10260751.shtml
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