New energy vehicle insurance dilemma: premiums rising, car owners complaining, insurance companies losing money

According to the latest data, the number of insured new energy vehicles in my country will reach 31.05 million in 2024, with a premium of 140.9 billion yuan. However, new energy vehicle insurance is caught in a troubling vicious circle: premiums are rising year by year, and car owners are miserable; insurance companies continue to lose money, but it is difficult to extricate themselves. Data shows that new energy vehicle insurance loses 5.7 billion yuan a year. Among the 2,795 new energy vehicle series insured by insurance companies, 137 have a compensation rate of more than 100%. If the daily operating and management costs are taken into account, insurance companies will directly call it "under great pressure."