From：Internet Info Agency 2026-07-30 10:27:59
Chinese auto exports continue to rise, with markets becoming increasingly diversified and new energy vehicles (NEVs) emerging as a key driver of export growth. As the automotive industry accelerates its shift from "product globalization" to "ecosystem globalization," demand for comprehensive risk coverage across the entire value chain is simultaneously increasing, presenting insurers with the challenge of collaborating with automakers to expand into overseas markets. Currently, China has developed NEV insurance solutions tailored to domestic risk profiles, but its overseas service capabilities remain significantly inadequate. On one hand, emerging overseas markets lack historical NEV data and technical expertise, making precise pricing and efficient underwriting difficult. On the other hand, domestic auto insurance actuarial models cannot be directly applied overseas, and insufficient local parts supply and repair infrastructure lead to high claims costs and elevated premium rates. Additionally, Chinese insurers have few overseas branches, and their cooperation mechanisms with local partners remain underdeveloped. Compared to the rapid pace of auto exports, the overseas supply of NEV insurance remains insufficient. Industry experts emphasize that expanding auto insurance abroad cannot rely solely on exporting standalone capabilities. Instead, it requires concurrently strengthening overseas repair networks, building local industrial collaboration ecosystems, and proactively embedding insurance services into every stage of automakers’ global operations to create a sustainable cross-border service loop. Drawing lessons from Japanese automakers’ successful overseas expansion, the collaborative model involving trading companies, banks, and insurers—each supporting different stages of the value chain—offers valuable insights worth emulating.
