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China has recently unveiled its first-ever guidelines for the insurance of new-energy vehicles, introducing measures aimed at addressing key challenges currently facing the sector.
中国最近公布了首个新能源汽车保险指导意见，介绍了旨在解决该行业目前面临的关键挑战的措施。
Owners of new-energy vehicles have long struggled with high insurance premiums and the risk of being denied coverage.
长期以来，新能源汽车车主一直在与高昂的保险费和被拒投保的风险作斗争。
At the same time, insurers have been burdened by financial losses due to the high repair costs of new-energy vehicles.
与此同时，由于新能源汽车的高维修成本，保险公司承受着巨大的经济损失。
The guidelines, jointly issued by the National Financial Regulatory Administration and three other government organs, aim to reduce the maintenance costs.
该指导意见由国家金融监督管理总局和其他三个政府机构联合发布，旨在推动降低维修成本。
They also emphasize the need for exploring the establishment of a risk-classification system for insurance models.
指导意见还强调有必要探索建立保险车型风险分级制度。
In support of these efforts, the Insurance Association of China and the Shanghai Insurance Exchange launched an insurance platform dedicated to the sector.
为了支持这些努力，中国保险协会和上海保险交易所推出了一个专门针对该行业的保险平台。
The platform is designed to ensure proper insurance coverage for new-energy vehicles, particularly for high-risk vehicles.
该平台旨在确保新能源汽车，特别是高赔付风险车辆的适当保险范围。
Insurers participating in the platform will be prohibited from denying coverage.
参与该平台的保险公司将不得拒保。
China's new-energy vehicle sector has seen rapid development in recent years.
近年来，中国的新能源汽车行业发展迅速。
Official data shows that by the end of 2024, the number of new-energy vehicles in use in China had reached 31.4 million.
官方数据显示，截至2024年底，中国新能源汽车保有量已达到3140万辆。
