新能源汽车保险

Search documents
新能源后市场共克“电池老龄化”难题
Zhong Guo Qi Che Bao Wang· 2025-07-10 09:18
Core Insights - The increasing entry of electric vehicles into the used car market and the expiration of the 8-year warranty period have heightened consumer anxiety regarding battery lifespan [2][3] - Insurance companies and industry players are innovating products to alleviate concerns about battery longevity, with new insurance products like "battery degradation insurance" being introduced [3][4] - The introduction of battery degradation insurance aims to enhance consumer confidence in purchasing used electric vehicles, thereby improving transaction rates and vehicle resale values [3][4] Industry Developments - The China Banking and Insurance Regulatory Commission and other departments have issued guidelines to support the insurance industry in innovating products for electric vehicle insurance [2] - A recent launch event for "battery degradation insurance" was held by Haixia Insurance and Zhongqi Shubao, targeting six cities for regional promotion [4] - The insurance product covers over 95% of electric vehicle models, with specific conditions regarding battery health and vehicle age [4] Market Trends - The used electric vehicle market is experiencing rapid growth, with over 500,000 transactions in the first five months of the year, but challenges remain, particularly regarding battery health guarantees [3][10] - Platforms like Dongche Di are reporting significant increases in used electric vehicle sales, with a 120% quarter-on-quarter growth in the second quarter [10][11] - The market shows a strong preference for pure electric vehicles, with over 70% of transactions involving these models [13] Consumer Insights - Consumers are generally cautious about new battery insurance products, often concerned about stringent terms and potential difficulties in claims [4][7] - The lack of standardized battery degradation detection methods creates information asymmetry, making it difficult for consumers to assess battery health when purchasing used electric vehicles [13] - Initiatives like Guazi's "100-day battery buyback guarantee" aim to enhance consumer trust by providing a safety net for battery performance [13]