要卖到欧洲，就必须符合当地严苛的法规。车身刚性要满足欧洲五星安全标准，内饰材料要通过欧盟的环保认证，前面提到的母婴级环保座舱并不是营销话术，而是进入欧洲市场的入场券。
2025年事实上已经是保单大重写之年；而从2026年开始，企业会逐步发现，自己买到的不是一张覆盖一切的AI风险保单，而是一张更窄、更贵、且附带更多前置条件的可承保风险。本文关心的不是保险公司如何用AI提效，而是反过来，AI如何重写保险的经营范式。风险从可分散变成同源聚合，黑箱把成本先推到辩护费用，责任链条在供应链里漂移。保险会从概率生意走向治理生意，定价权会从精算迁移到审计与红队证据链。
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