Merge remote-tracking branch 'origin/master' into dev_jzg_lipf_v20260423

tenant/insurance/quotation-guoren/src/main/java/com/jzg/quotation/guoren/api/entity/Request/NonAutoInsOrderRequest.java

@@ -259,7 +259,13 @@ public class NonAutoInsOrderRequest {
 
                 public OrderMainDTO(List<RiskInfoVo> riskList, GuoRenAccidentalDrivingVo accidentalDrivingVo, String operatorCode, String carPriceUuid) {
                     this.amount = accidentalDrivingVo.getAmount();
-                    this.premium = new BigDecimal(accidentalDrivingVo.getPremium()).multiply(new BigDecimal(accidentalDrivingVo.getQuantity())).toString();
+                    String premium = accidentalDrivingVo.getPremium();
+                    Integer quantity = accidentalDrivingVo.getQuantity();
+                    if (premium == null || quantity == null) {
+                        this.premium = "0";
+                    } else {
+                        this.premium = new BigDecimal(premium).multiply(new BigDecimal(quantity)).toString();
+                    }
                     this.goodsCode = accidentalDrivingVo.getGoodsCode();
                     this.prodCode = accidentalDrivingVo.getProdCode();
                     this.uwCount = accidentalDrivingVo.getQuantity();