新能源车辆车电分离模式保险实务建议  

Practical suggestions on new energy vehicle electric-vehicle separation mode insurance

作　　者：李亚伦 Li Yalun(PICC Taizhou Branch,Taizhou 331000,China)

机构地区：[1]中国人民财产保险股份有限公司台州市分公司,浙江台州331000

出　　处：《汽车知识》2023年第10期210-212,共3页Auto Know

摘　　要：随着新能源汽车市场的不断升温,汽车制造商的商业销售模式不断推陈出新。近年来,除了整车销售外,出现了“车电分离”模式,该模式在融资租赁市场、网约车以及C端市场份额逐渐扩大。同时,知名造车新势力、电池供应商以及传统油车品牌纷纷加入该模式下的蓝海市场。而在车辆保险端,承保理赔环节对该模式尚未有全面成熟的接受度和操作实务。文章对新能源车辆车电分离模式保险实务进行了探讨,提出了可行性操作建议。As the new energy vehicle market continues to heat up,the commercial sales model of automobile manufacturers continues to innovate.In recent years,in addition to vehicle sales,there has been a"car-electric separation"model,which has gradually expanded its share in the financial leasing market,online car hailing and C-end markets.At the same time,well-known new car manufacturers,battery suppliers and traditional oil vehicle brands have joined the Blue Ocean market under this model.At the vehicle insurance end,the underwriting and claims link has not fully mature acceptance and operation practice of this model.This paper discusses the insurance practice of the vehicle-electricity separation mode of new energy vehicles,and puts forward feasible operation suggestions.

关 键 词：新能源汽车 汽车保险 车电分离 

分 类 号：U469.7[机械工程—车辆工程]