diff --git a/jsowell-admin/src/main/java/com/jsowell/service/OrderService.java b/jsowell-admin/src/main/java/com/jsowell/service/OrderService.java
index 074fa98c1..45f153c6a 100644
--- a/jsowell-admin/src/main/java/com/jsowell/service/OrderService.java
+++ b/jsowell-admin/src/main/java/com/jsowell/service/OrderService.java
@@ -1212,9 +1212,9 @@ public class OrderService {
             BigDecimal chargeAmount = amount;
             OrderBasicInfo orderBasicInfo = orderBasicInfoService.getOrderInfoByOrderCode(orderCode);
             BigDecimal insuranceAmount = orderBasicInfo.getInsuranceAmount();
-            if (insuranceAmount != null) {
+            if (insuranceAmount.compareTo(BigDecimal.ZERO) > 0) {
                 // 如果用户支付了保险金额，则充电金额需将保险金额减去
-                chargeAmount = amount.divide(insuranceAmount).setScale(2, RoundingMode.HALF_UP);
+                chargeAmount = amount.subtract(insuranceAmount).setScale(2, RoundingMode.HALF_UP);
             }
             // 支付订单成功
             PayOrderSuccessCallbackDTO callbackDTO = PayOrderSuccessCallbackDTO.builder()