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%，同比改善1.5个百分点，主要受大灾赔付减少和加强费用管控带动。人保综合成本率95.3%，创近十年同期最好水平。平安综合成本率同比下降2.6个百分点，改善最明显。　　新能源车险实现新增长，出海成战略重点　　车险业务方面，上半年各家在保持传统车险业务稳定增长的同时，积极布局新能源车险市场。近年来，新能源车险由于维修成本及出险率显著高于油车，一直处于亏损边缘，然而其快速增长的市场规模又给车险市场带来

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