新能源车险出海重大机遇！专访车车科技张磊

Core Viewpoint - The article discusses the expansion of China's new energy vehicle (NEV) insurance industry into international markets, highlighting the growth opportunities and challenges faced by domestic insurance companies as they venture abroad [2][6]. Group 1: Market Trends and Growth - In the first half of the year, the insurance premiums for NEV insurance issued by CheChe Technology reached 2.6 billion yuan, representing a year-on-year growth of 150% [5]. - China's NEV exports are rapidly increasing, with figures of 1.203 million, 1.284 million, and 1.308 million units exported in 2023, 2024, and the first seven months of 2025 respectively, showing year-on-year growth rates of 77.6%, 6.7%, and 84.6% [7]. - NEV exports are primarily concentrated in Europe, particularly Belgium and the UK, as well as in Brazil and Southeast Asia, where demand for NEVs is strong [8]. Group 2: Opportunities and Challenges - The insurance industry faces significant opportunities as Chinese NEV manufacturers expand internationally, but they also encounter challenges such as high financial loan costs, high insurance premiums, and a lack of transparent vehicle data [9][10]. - The article emphasizes the need for the insurance sector to align with China's "going out" strategy, facilitating cross-border business innovation and global standardization of insurance contracts and claims [9]. Group 3: Future Trends - Three key trends for the future of NEV insurance abroad are identified: 1. Transitioning from "product export" to "service export," emphasizing collaboration with leading Chinese car manufacturers [13]. 2. Technology becoming a core competitive advantage, with a focus on building digital insurance platforms [13]. 3. Expanding coverage from just vehicles to the entire NEV ecosystem, including insurance for charging stations and autonomous driving [13]. Group 4: Implementation Models - The article outlines four main challenges for NEV insurance companies entering foreign markets, including regulatory barriers, cultural differences, data scarcity, and the need for a robust repair network [15]. - Suggested implementation models include partnering with local insurance companies, establishing overseas representative offices for data support, and exploring co-insurance or reinsurance mechanisms [16]. Group 5: Strategic Plans - CheChe Technology plans to initiate its internationalization process in the fourth quarter of 2025, focusing on the Asia-Pacific and European markets, with a goal of contributing over 10% to revenue by 2027 [18].