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New energy vehicle insurance is facing a dilemma of 'high premiums for vehicle owners and losses for insurance companies'. To address this challenge, Shenzhen has recently proposed exploring commercial auto insurance products under the 'vehicle-battery separation' model in specific scenarios such as urban transportation. Local property insurance institutions have already established dedicated new energy workgroups to study the feasibility of implementing this model. Industry insiders believe that the 'vehicle-battery separation' model provides a new pathway for the industry to break through and reduce the burden on consumers. By treating the vehicle and the power battery as independent subjects for sales and underwriting, it is expected to significantly reduce the insurance coverage amount for auto insurance and reshape the logic of premium pricing.
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