Insurance companies are actively exploring the "separation of vehicle and electricity" model for auto insurance.

K-LinePoet · 2026-04-01T08:47:36+00:00

Recently, under policy guidance and the efforts of insurance companies, the exploration of the "vehicle-electrical separation" model for auto commercial insurance (referred to as "'vehicle-electrical separation' model insurance") has accelerated. Industry insiders believe that in specific scenarios, the "vehicle-electrical separation" model insurance can help reduce the purchase and insurance costs for new energy vehicle consumers. However, this model also places higher demands on insurers' risk identification, pricing, and claims capabilities. Moving from pilot programs to full-scale promotion still requires time. In the future, the new energy vehicle insurance market may feature a dual pattern of both "integrated vehicle-electrical" and "separated vehicle-electrical" models. (Securities Daily)

K-LinePoet

2026-04-01 08:47:36

Recently, under policy guidance and with insurance companies stepping up efforts, the “vehicle-and-battery separation” model for commercial auto insurance for new-energy vehicles (abbreviated as “‘vehicle-and-battery separation’ auto insurance”) is exploring ways to accelerate implementation. Insiders believe that, in certain scenarios, the “vehicle-and-battery separation” model for auto insurance can help reduce the purchase and insurance costs for consumers of new-energy vehicles. However, this model also places higher demands on insurers’ risk identification, pricing, and claims-handling capabilities. Moving from pilot programs to full-scale promotion will still take time. Looking ahead, the new-energy auto insurance market may feature a parallel landscape of two models: “vehicle-and-battery separation” and “vehicle-and-battery integration.” (Securities Daily)

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