国任新能源修改

src/main/java/com/ydtech/modules/ins/model/guoren/PremiumReq.java

@@ -96,7 +96,7 @@ public class PremiumReq {
         }
         //未投保商业
         if (null == quoteReq.getBi()) {
-            BiDTO biDto = buildBiDto(ownerInfo, null, null, null, null, false, new ArrayList<>());
+            BiDTO biDto = buildBiDto(ownerInfo, null, null, null, vinQ, false, new ArrayList<>());
             quoteReq.setBi(biDto);
         }