The reporter investigated NEV owners in many places and learned that problems such as premium price increases and insurance renewal difficulties have been mitigated compared to the same period last year, but compared with oil vehicles of the same price, NEV premiums are still high. In the overall auto insurance business, NEV insurance has grown significantly in recent years. At the same time, the average premium for NEV vehicles is significantly higher than that of fuel vehicles. The reporter learned from research that although individual insurers have made profits on new energy vehicle insurance, from the perspective of the industry as a whole, the NEV insurance business is still a “loss of money” business. It is very difficult for insurers to keep the comprehensive cost rate of NEV insurance below 100%, and they even face the dilemma of “losing money.” Industry insiders expect that as marginal effects appear, the stock market increases, and the pricing capacity of insurers improves, the underwriting loss problem of NEV insurance will gradually be solved, and the industry will approach the break-even line. In the future, to further reduce the price and improve the quality of NEV insurance, it is necessary to break down data silos, restructure pricing logic, reduce maintenance costs, and strengthen industrial chain collaboration.

The reporter investigated NEV owners in many places and learned that problems such as premium price increases and insurance renewal difficulties have been mitigated compared to the same period last year, but compared with oil vehicles of the same price, NEV premiums are still high. In the overall auto insurance business, NEV insurance has grown significantly in recent years. At the same time, the average premium for NEV vehicles is significantly higher than that of fuel vehicles. The reporter learned from research that although individual insurers have made profits on new energy vehicle insurance, from the perspective of the industry as a whole, the NEV insurance business is still a “loss of money” business. It is very difficult for insurers to keep the comprehensive cost rate of NEV insurance below 100%, and they even face the dilemma of “losing money.” Industry insiders expect that as marginal effects appear, the stock market increases, and the pricing capacity of insurers improves, the underwriting loss problem of NEV insurance will gradually be solved, and the industry will approach the break-even line. In the future, to further reduce the price and improve the quality of NEV insurance, it is necessary to break down data silos, restructure pricing logic, reduce maintenance costs, and strengthen industrial chain collaboration.