国家金融监督管理总局 公安部联合发布《关于深化警保合作 助力农村道路交通安全隐患治理的指导意见》

The approach is voluntary and locally led, with insurers able to choose whether and how to participate through models such as joint police-insurance initiatives. For compliance teams, the immediate message is not a new mandatory rule but a signal to monitor local implementation and assess strategic fit. Firms considering participation should establish clear governance for voluntary schemes, ensure any data exchange with public authorities is lawful and controlled, and define metrics for hazard tracking and evaluation.

Insurers should also align participation with risk-reduction, underwriting and social-impact objectives, while avoiding reputational or operational exposure from poorly scoped partnerships. Expected benefits include richer risk data, loss-prevention insights and stronger public-sector relationships. Required actions are mainly preparatory: track local hazard lists and pilot programmes, conduct data-protection due diligence, assign ownership, and build monitoring and reporting arrangements before committing resources.