陆家嘴论坛专访｜左伟豪：以中外协同桥梁，护航新能源车险出海新征程
Lujiazui Forum Exclusive Interview | Mr. Kevin Chor: Building a Sino-Foreign Collaborative Bridge to Chart a New Voyage for New Energy Vehicle Insurance Overseas Expansion
2026陆家嘴论坛期间，安盛天平CEO左伟豪接受《每日经济新闻》专访，围绕新能源车险出海机遇、行业痛点与安盛天平差异化战略分享核心观点，为全体同事明确海外业务发展方向。
当前国内新能源车险竞争趋于饱和，出海成为行业增量核心赛道。人保、太保等中资险企依托车企资源加速出海，而安盛天平凭借安盛全球网络入局赛道。行业普遍存在疑问：外资拥有全球成熟风控合规体系，海外落地成效却不及预期；中外险企究竟是竞争还是协同？跨境数据、监管壁垒如何破解？
左总指出，外资落地受限核心并非能力不足，而是海外场景差异、跨境数据不对称。海外市场缺少国产三电系统事故、电池衰减、充电桩风险等底层数据，海外机构对国内车型风险判断存在盲区，承保额度保守、保费定价偏高。而国内新能源产业发展领先全球，完整的风险模型、定价经验，恰好能弥补海外市场短板。
赛道并非零和博弈，中外险企是共生共荣关系。中资深耕车企、手握本土数据，但缺少海外属地服务网络；外资拥有全球合规、理赔渠道，却缺少国产车型风险数据，双方优势天然互补。安盛天平的核心定位是行业“信任桥梁”，依托集团全球布局，输出国内车型数据、风险模型与定价逻辑，消除海外机构信息顾虑，撬动海外成熟承保资源，为出海车企提供合规准入、风险管控、跨境快赔全链路保障。
针对行业长期存在的数据、标准壁垒，左总提出关键解决方案：推动共建全国统一车型风险分级标准。这套标准相当于新能源车出海“数字护照”，可统一海内外风险评估语言，解决海外保费偏高、沟通成本高企等痛点。安盛集团愿意输出全球数十年分级经验，助力标准对接国际规则，打通国产汽车出海保险堵点。
外界常有“外资仅做配角”的误读。左总表示，当前单一国产车型海外规模有限，海外机构资源投入有限，并非外资服务能力不足。安盛天平无需重复搭建海外服务体系，以“国内经验赋能全球网络”的差异化模式，深度参与新能源出海全产业链，打造不可替代的枢纽价值。
面向未来，新能源汽车出口市场空间广阔，跨境车险是公司重点战略增长点。全体同事可依托中外协同优势，发挥桥梁枢纽作用，以数据、技术、全球网络赋能国产车企出海，助力中国汽车产业从产品输出迈向规则输出，共同抢占新能源海外保险新机遇。
During the 2026 Lujiazui Forum, Mr. Kevin Chor, CEO of AXA Tianping, sat down for an exclusive interview with National Business Daily. He shared core insights on overseas expansion opportunities, industry pain points, and AXA Tianping’s differentiated development strategy for new energy vehicle insurance, clarifying the development roadmap for the company’s overseas business for all staff.
At present, competition in China’s domestic new energy vehicle insurance market has turned fierce, making overseas expansion a new growth frontier for the industry. Since 2025, major Chinese insurers including PICC Property and Casualty and CPIC Property & Casualty have accelerated their overseas layout. Leveraging in-depth partnerships with domestic automakers, they have launched a full suite of new energy vehicle insurance products overseas, delivering tangible results and providing robust risk protection for Chinese new energy vehicles venturing into global markets.
Against this backdrop, AXA Tianping has entered the track backed by AXA Group’s worldwide network. A key industry question has emerged: foreign insurers boast mature global risk control and compliance systems, yet their overseas rollout performance has fallen short of expectations. Are Chinese and foreign insurers rivals or collaborators? How can cross-border data gaps and regulatory barriers be dismantled?
Mr. Kevin Chor pointed out that foreign insurers’ limited overseas traction stems not from insufficient capacity, but from divergent local market scenarios and asymmetric cross-border data. Overseas markets lack granular underlying data covering failures of domestic three-electric systems, battery degradation, charging pile risks and other unique risks of Chinese EV models. This leaves overseas underwriters blind to the risk profiles of Chinese vehicles, resulting in conservative underwriting limits and overpriced premiums. In contrast, China leads the world in the new energy vehicle industry, possessing comprehensive risk models and pricing expertise that perfectly fill gaps in overseas markets.
This track is far from a zero-sum game; Chinese and foreign insurers thrive in symbiosis. Chinese insurers maintain deep ties with automakers and hold proprietary domestic risk data, yet lack on-the-ground service networks across global jurisdictions. Foreign insurers command worldwide compliance frameworks and cross-border claims channels, but lack risk data tailored to Chinese EV models. The two sides feature naturally complementary strengths. AXA Tianping positions itself as a “trust bridge” for the sector. Drawing on the Group’s global footprint, we export domestic EV data, risk models and pricing frameworks to eliminate information asymmetry for overseas underwriters, unlocking mature global underwriting capacity. We deliver end-to-end support for Chinese automakers expanding overseas, covering compliance market entry, holistic risk governance and expedited cross-border claims settlement.
To resolve long-standing industry bottlenecks around data fragmentation and inconsistent standards, Mr. Kevin Chor put forward a pivotal solution: jointly developing a unified national risk classification standard for vehicle models. Acting as a “digital passport” for Chinese EV exports, this standard aligns risk assessment frameworks across domestic and international markets, addressing pain points such as inflated overseas premiums and exorbitant cross-border communication costs. AXA Group stands ready to share decades of global classification expertise to align this standard with international norms, removing insurance-related roadblocks for Chinese automotive exports.
There is a common misconception that foreign insurers only play a supporting role. Mr. Kevin Chor clarified that overseas underwriters allocate limited resources largely due to the currently modest individual sales volume of each Chinese EV model abroad, rather than inadequate service capabilities. Instead of duplicating overseas service infrastructure, AXA Tianping adopts a differentiated model that empowers global networks with China’s domestic industry expertise. We deeply embed ourselves in the full industrial chain of Chinese EV exports to deliver irreplaceable hub value.
Looking ahead, the global market for Chinese new energy vehicle exports holds immense potential, and cross-border vehicle insurance stands as a core strategic growth pillar for our company. All team members shall capitalize on our Sino-foreign collaborative strengths, fulfill our role as an industry bridge and hub, and empower domestic automakers’ global expansion through data, technology and worldwide networks. Together, we will support China’s automotive industry to evolve from product exports to rule-setting exports, and seize unprecedented new opportunities in the global new energy vehicle insurance market.