CCTV News: On January 24, the State Administration for Financial Regulation, the Ministry of Industry and Information Technology and other four departments jointly issued the "Guiding Opinions on Deepening Reform and Strengthening Supervision and Promoting the High-Quality Development of New Energy Vehicle Insurance", and introduced 21 measures to focus on solving problems such as high premiums and difficulty in insured new energy vehicles.

The "Guiding Opinions" proposes that new energy vehicle insurance reform will be deepened in terms of optimizing product and service supply, improving the market-oriented clause and rate formation mechanism, including promoting the reduction of new energy vehicle maintenance and use costs, enriching commercial auto insurance products, and optimizing commercial auto insurance benchmark rates. The reporter noticed that the measures released this time are committed to solving the problems of high premiums and difficult insurance coverage reported by consumers.

Lu Yuhua, deputy director of the Property Insurance Department of the State Administration for Financial Regulation, said: "Some models have a relatively high risk, and the premiums of some models do not match their risks. It is difficult for a few vehicles to insure, some models have a relatively high premium, and insurance companies have generally suffered losses in their operations. This document is based on a problem-oriented approach to resolve these contradictions and problems."

In order to solve the problem of rejection reported by some car owners as soon as possible, the four departments proposed to guide the insurance industry to establish a high-payment risk sharing mechanism and platform to provide effective insurance protection for new energy vehicles with high-payment risk, and to achieve all insurance for consumers who are willing to cover. Under the guidance of relevant departments, the "Auto Insurance Good Insurance" platform will be officially launched on January 25.

Lu Yuhua said: "If you cannot buy insurance through conventional channels, you can buy it on the 'car insurance good insurance' platform. You can freely choose the insurance type and insurance company you have to choose, and the insurance company you are choosing cannot refuse insurance."

In addition, the "Guiding Opinions" also propose measures to promote cross-industry sharing of new energy vehicle data, strengthen supervision, and improve the quality and efficiency of claims services, and study and launch "basic + change" new energy vehicle insurance combination products to support new energy online car-hailing to flexibly insure according to actual operation. Research and explore the "vehicle-electrical separation" model of automobile commercial auto insurance products to provide scientific and reasonable insurance protection for related new energy vehicles.

Reduce maintenance and use costs and explore the establishment of a risk grading system for insurance models

A very important reason why new energy vehicle insurance has high premiums and difficult insurance is that the maintenance price is expensive. The new regulations of the four departments also propose in this regard to jointly promoting the reduction of the maintenance and use costs of new energy vehicles.

Industry insiders introduced that in the new energy vehicle industry, the main manufacturer often provides accessories and repairs. The maintenance channels available to consumers are relatively narrow, and there are barriers in terms of maintenance technology, accessories supply, quality assurance restrictions, etc. In this regard, the new regulations propose to enrich the supply channels and types of new energy vehicle repair parts. At the same time, a risk rating system for insurance models should be established.

Lu Yuhua said: "When a new model is launched, insurance companies often determine its premium based on the same type of car and its new car purchase price. After this system is implemented, when the new model is launched, we must conduct low-speed collision tests on the car, based on the results of the low-speed collision test, the prices of vulnerable spare parts and maintenance work hours, and determine the risk level of this model based on these factors. This risk level is linked to the premium rate."

Data shows that in 2024, my country's insurance industry underwrote 31.05 million new energy vehicles, premium income of 140.9 billion yuan, risk protection amount provided 106 trillion yuan, and underwriting loss of 5.7 billion yuan, showing continuous losses. The insurance industry has a total of 2,795 underwriting vehicles, of which 137 are high-pay vehicle series with a compensation rate of more than 100%. The relevant departments stated that the next step will continue to track and analyze the compensation situation of new energy vehicle insurance, and publish specific vehicle information with a compensation rate of more than 100% when necessary according to actual needs.