Research On The Development Of New Energy Vehicle Insurance

At present,green environmental protection has become an important topic in global development,and various countries have begun to implement sustainable development strategies.A series of problems such as energy depletion and excessive vehicle exhaust emissions have made countries around the world strive to find solutions to environmental pollution,and in this context,new energy vehicles have gradually entered the public’s field of vision.The United Kingdom,India,the Netherlands,France and other countries have successively formulated a timetable for a complete ban on the sale of fuel vehicles from 2030 to 2040,and taken corresponding measures to promote the development of new energy vehicles,and China is no exception.In order to implement the dual carbon policy and build a beautiful home,China has introduced tax reduction subsidies and other policies that benefit the people to encourage residents to buy new energy vehicles,and the sales of new energy vehicles once increased rapidly.Like ordinary fuel vehicles,new energy vehicles must also purchase corresponding car insurance products before going on the road to protect the interests of car owners and pedestrians,so the development of new energy vehicles is inseparable from the supporting insurance system.At present,the development of new energy vehicle insurance in China is still in its infancy,and incidents such as new energy vehicle rejection and insurance fraud occur from time to time,which has an adverse impact on the development of new energy vehicle insurance.In order to better protect the rights and interests of new energy vehicle owners,China combined with its own actual situation,formulated new energy vehicle exclusive insurance regulations,aiming to provide more perfect legal protection for car owners who buy new energy vehicles,and is expected to play a certain role in promoting the development of the insurance industry in the future,insurance companies will also actively develop new energy vehicle insurance products,provide better services for car owners,in order to better meet the needs of new energy vehicle owners.Taking new energy vehicle insurance as the research object,this paper first introduces the innovative cases of "NIO" new energy vehicle insurance,analyzes the business situation of "NIO" new energy vehicle insurance,and then summarizes the advantages and disadvantages of new energy vehicle insurance,so as to facilitate the subsequent proposal of effective development countermeasures.Secondly,by studying the new energy vehicle insurance that has been released in the current market,the development status of new energy vehicle insurance is sorted out and summarized,including large market potential and fierce competition;High risk rates,high claims pressure,lack of data,and insufficient risk research.Then,the PEST model is used to analyze the main external environmental factors in the political,economic,social and technical aspects of new energy vehicle insurance from a macro perspective,and then the Porter Five Forces model is used to analyze the industry attractiveness of new energy vehicle insurance from a micro perspective,and strive to conduct a systematic and comprehensive analysis of new energy vehicle insurance.Finally,some suggestions are put forward to promote the development of new energy vehicle insurance,such as developing a new mode of cooperation in new energy vehicle insurance,improving the risk control mechanism,scientifically determining the new energy vehicle insurance rate,innovating new energy vehicle insurance products,and improving the new energy vehicle insurance policy.