In recent years, the number of new energy ride hailing services has grown rapidly. In the "Notice on Organizing the Pilot Work of Comprehensive Electrification of Public Vehicles in Pilot Zones" previously issued by eight departments including the Ministry of Industry and Information Technology and the Ministry of Transport, it is explicitly required that the proportion of new energy in the newly added urban taxis (including parade taxis and online reservation taxis) in the pilot areas reach 80%. However, in the process of accelerating the transformation of the industry towards new energy, insurance difficulties have been encountered. Many ride hailing drivers have reported that the insurance premiums for new energy ride hailing services are several times higher than those of similar private cars and gasoline vehicles. The problem of "difficult to renew insurance last year, but unable to renew this year" is also common. What is the premium for new energy ride hailing services? Where is the difficulty in renewing insurance? How to solve the problem? The reporter conducted an interview. High insurance premiums and difficult renewals, some drivers choose to bear the risks themselves. For cars bought for just over 100000 yuan, insurance costs 15000 yuan. ”Chongqing ride hailing driver Mr. Chi told reporters that she chose to buy electric cars to save operating costs, but after the car insurance quote came down, "the operating costs are not much cheaper than gasoline cars. Master Chi's experience is not an isolated case. The reporter learned from multiple insurance companies that the total insurance premium for new energy ride hailing services is generally in the range of 5000 to 20000 yuan, which is 20% to 30% higher than the same level of fuel ride hailing services and 1-2 times higher than private cars of the same model. The person in charge of a ride hailing company in Beijing revealed that the company has more than 10 new energy ride hailing vehicles under its name, with an average annual premium of 13000 yuan per vehicle, and "nearly 200000 yuan in annual insurance expenses alone". Under premium pressure, some drivers may choose to "bear the risk themselves": they do not purchase full insurance, only partial insurance. Mr. Zhao, a ride hailing driver from Zhengzhou, drives a "gas to oil" car model with a full insurance premium of 8000 yuan: "I only paid 5000 yuan and purchased compulsory insurance and third-party liability insurance. If I am fully responsible for an accident, I will have to pay for the repair of my own car." In addition to the high premium amount, the difficulty in renewing the insurance is another major issue that makes drivers anxious. Our company adopts a phased underwriting strategy, which may open up some spots for online ride hailing insurance this month and completely stop accepting it next month. Situations like 'last year it was still insured, but this year it cannot be renewed' are not uncommon in the industry, "an insurance manager from a certain insurance company told reporters. Why are there still issues such as high insurance premiums and difficulty in obtaining insurance coverage despite the increasing popularity of new energy ride hailing services as the main vehicle model in the industry, despite the "double high" occurrence rate and payout rate driving up premium pricing? According to interviewed experts and industry insiders, this is related to the high risk of accidents and high maintenance costs of new energy ride hailing services. According to statistics, the accident rate of new energy vehicles is as high as about 35%, which is 20% higher than that of gasoline vehicles. The frequency of accidents involving ride hailing services is significantly higher than that of private cars, with a comprehensive compensation rate as high as 130% to 140%. The high maintenance cost of new energy vehicles is also an important reason for insurance issues. Professor Wang Guojun from the School of Insurance at the University of International Business and Economics said that for pure electric vehicles, batteries account for about 40% of the total vehicle cost. After accidents and collisions, batteries are very prone to thermal runaway, and the single claim amount can even reach twice that of gasoline vehicles. In the case of 'double high' accident rate and payout ratio, insurance companies can only hedge uncertainty risks through high pricing, "said Wang Guojun. The combination of the nature of commercial vehicles and new energy vehicle models has made new energy ride hailing services a "high-risk among high-risk" option. The more you rely on insurance, the harder it will be, and insurance companies will naturally shrink their business. "Wang Guojun analyzed that this also reflects the systemic bottleneck in the industry's risk-taking ability: the development time of new energy ride hailing insurance is relatively short, the data accumulation is insufficient, and the pricing model is not accurate. The weak actuarial foundation can easily lead to inaccurate pricing. The lack of data exchange between insurance companies, car manufacturers, and platforms also leads to incomplete risk assessment. ”Wang Guojun stated that insurance companies have difficulty obtaining real-time order volume, driving routes, and other dynamic data from ride hailing platforms. They rely solely on static indicators such as vehicle age and accident records, making it difficult to form a comprehensive risk assessment. In response to the risk scenarios of new energy ride hailing services, seeking a "breakthrough" and solving the insurance dilemma of new energy ride hailing services, technology is the key starting point. ”Wang Guojun suggested that big data technology can be used to integrate vehicle CAN (Controller Area Network) bus data, ride hailing platform order data, and traffic violation records based on the operational characteristics of ride hailing services, to construct a three-dimensional risk profile of vehicles and help insurance companies more accurately assess the risks of new energy ride hailing services. In terms of pricing mechanism, the existing UBI car insurance technology (a technology that determines premiums based on usage) can already achieve personalized customization of insurance rates by obtaining data such as braking frequency and nighttime driving proportion through in vehicle devices. ”Wang Guojun believes that what needs to be further promoted now is to promote the application and landing of these car insurance technologies. Especially for the new energy ride hailing sector, it is necessary to establish a reinsurance fund for operating vehicles and introduce regulations for data sharing on car insurance platforms. With the expansion of the online ride hailing market, the insurance industry should also establish a specialized product system and service standards for this group, providing specialized and customized insurance services for online ride hailing drivers. ”Wang Guojun suggested that for the risk scenarios of new energy ride hailing services, additional protection such as battery puncture and water immersion should be added to the battery protection insurance; In terms of premiums, the "basic premium+variable premium" model can be explored to dynamically adjust premiums based on mileage and order volume. It is not only necessary but also urgent to add a special clause for 'new energy operating vehicle insurance' under the current legal framework to meet the insurance needs of new energy ride hailing services. ”Lu Fenghao, a practicing lawyer at Henan Shiding Law Firm, stated that relevant departments should actively promote the revision of the Insurance Law and related regulations, develop specialized insurance management measures for the risk characteristics of ride hailing services, and standardize insurance contract terms. (New Society)