Breaking the Dilemma of New Energy Vehicle Insurance: The "Vehicle-Battery Separation" Model Offers a New Solution

MetaMuskRat · 2026-03-18T00:43:50+00:00

Shenzhen explores a "vehicle-battery separation" model for new energy vehicle insurance to address the dilemma of "car owners complaining about high premiums and insurers claiming losses." This model involves the independent sale and underwriting of vehicles and power batteries, which is expected to reduce insurance coverage amounts and reshape pricing logic.

MetaMuskRat

2026-03-18 00:43:50

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People’s Financial News, March 18 — Currently, new energy vehicle insurance faces the dilemma of “car owners complain about high costs, insurers claim losses.” To address this issue, Shenzhen has recently proposed exploring a “separation of vehicle and battery” model for automotive commercial insurance products in specific scenarios such as urban transportation. Local property insurance companies have already established special working groups for new energy vehicles to study the feasibility of implementing the “separation of vehicle and battery” approach. Industry insiders say that the “separation of vehicle and battery” model offers a new path for industry breakthroughs and reducing consumer burdens. By selling and underwriting the vehicle and the power battery as separate objects, it is expected to significantly lower insurance premiums and reshape premium pricing logic. (Shanghai Securities Journal)

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