【外刊精读】北京首发自动驾驶专属保险

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Beijing has become the first Chinese city to launch dedicated commercial insurance for assisted and self-driving vehicles, signaling a strong push toward broader adoption of autonomous driving technologies.

北京已成为中国首个推出辅助驾驶和自动驾驶车辆专属商业保险的城市，这标志着对更广泛采用自动驾驶技术的强力推动。

Announced on Sunday by the Beijing Regulatory Bureau of the National Financial Regulatory Administration (NFRA), the insurance policies will be developed by the Insurance Association of China and offer differentiated coverage based on vehicle autonomy levels, covering Levels 2 to 4 of the six-level ranking system. Coverage for Level 2, partially automated vehicles — the most widely deployed form of automation currently — will be the most comprehensive, spanning self-driving hardware and software upgrades, which traditional car insurance policies currently lack.

该保险政策由国家金融监督管理总局北京监管局于周日宣布，将由中国保险行业协会制定，并根据车辆自动化水平（涵盖六级分级系统中的2至4级）提供差异化保障。针对目前应用最广泛的2级（部分自动化）车辆的保障将最为全面，涵盖自动驾驶硬件和软件升级，这是传统汽车保险目前所缺乏的。

Previously, limited insurance coverage for self-driving cars was available as an add-on to standard policies purchased through insurance companies or automakers. However, existing policies are largely based on human-driver scenarios, with limited coverage for system failures or cybersecurity risks, and do not always cover hardware, such as upgraded driver-assistance systems.

此前，有限的自动驾驶汽车保险可作为通过保险公司或汽车制造商购买的标准保单的附加险提供。然而，现有保单主要基于人类驾驶员场景，对系统故障或网络安全风险的保障有限，且并不总是涵盖硬件，例如升级的驾驶辅助系统。

The policies will initially apply to new vehicles, allowing new car owners to choose between the new policies and existing auto insurance. A list of eligible models and automakers will be released in batches following evaluation. The move is expected to push automakers and insurers to upgrade their systems and enhance data-sharing mechanisms.

该政策最初将适用于新车，允许新车车主在新保单和现有汽车保险之间进行选择。符合条件的车型和汽车制造商名单将在评估后分批发布。此举预计将推动汽车制造商和保险公司升级其系统并加强数据共享机制。

As for higher-level self-driving vehicles, the policies will only apply to those that have undergone testing or received road approval in Beijing in accordance with regulations.

至于更高级别的自动驾驶车辆，该政策仅适用于那些已在北京按规定完成测试或获得上路批准的车辆。

Experts applauded the move, describing existing self-driving car insurance as inadequate, with terms varying across automakers.

专家们对此举表示赞赏，认为现有的自动驾驶汽车保险并不完善，且条款因汽车制造商而异。

“Currently, autonomous driving insurance is more like a fallback solution provided by automakers or autonomous driving system suppliers, rather than a true insurance product,” an industry insider told domestic media. “In essence, it resembles a corporate commitment. In the event of a major accident or if a company lacks the capacity to bear the costs, whether consumers can actually receive compensation remains uncertain.”

“目前，自动驾驶保险更像是汽车制造商或自动驾驶系统供应商提供的后备解决方案，而非真正的保险产品，”一位业内人士对国内媒体表示。“本质上，它类似于企业承诺。一旦发生重大事故，或者公司无力承担成本，消费者是否真能获得赔偿仍不确定。”

Dedicated self-driving car insurance also carries potential legal benefits, according to officials.

据官员称，专属自动驾驶汽车保险还具有潜在的法律益处。

“Prioritizing insurance in handling traffic accident disputes can help prevent automakers and developers from becoming entangled in large volumes of litigation … both constraining risks and supporting technological innovation,” a representative from the Beijing Regulatory Bureau of the NFRA told domestic media.

“在处理交通事故纠纷时优先考虑保险，有助于防止汽车制造商和开发商陷入大量诉讼……既能约束风险，又能支持技术创新，”国家金融监督管理总局北京监管局的一位代表对国内媒体表示。

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