On 5 june, journalists were informed that the shenzhen financial supervisory authority, in collaboration with the shenzhen city bureau of industry and innovation, shenzhen city transport and shenzhen city business department, had recently issued a circular on measures to promote the high-quality development of new energy vehicle risks in shenzhen (hereinafter referred to as " the measures " ) and launched 10 policy initiatives to identify mechanisms for “inter-sectoral synergies, full chain capacity” and explore new ways of developing high-quality new energy vehicle risks。
Since this year, as of the end of the first quarter of 2026, the number of commercial insurance cases for shenzhen's new energy vehicles has increased by 18. 63 per cent over the same period, accounting for 30. 91 per cent of the total number of commercial insurance cases signed in shenzhen, which is the highest in the country。
According to statistics, the proportion of new energy vehicles with l2+ smart driving is over 77 per cent, but the related insurance coverage is inadequate. In conjunction with shenzhen, the measures encourage the insurance industry to innovate the “basic + change” combination of products, explore comprehensive smart driving insurance, pilot commercial car risk products with a “car separation” model and develop product matrices; encourage the exploration of the “insurance + technology + wind control” model, integrate risk reduction services into the insurance chain, provide incentives for vehicles to install active safety management equipment through a premium floating mechanism, strengthen risk monitoring based on the vehicle network technology, and conduct a “newer” awareness service to guide good use practices。
In this direction, the shenzhen financial supervisory authority has directed the industry to set up a task force on new energy vehicle insurance, deepening its cooperation with the new energy automobile industry chain and actively seeking to pilot innovation。
In response to the high risk exposure and maintenance costs and the mismatch between risk and premium, the measure encourages the establishment of shared maintenance networks, harmonization of the price of spare parts maintenance services and compensation criteria, and reduction of maintenance and insurance costs; and supports the optimization of pricing models, the development of pure risk loss rate measurements and the promotion of better matching prices and risks. At the same time, shenzhen has led the industry to optimize the range of autonomous pricing factors and to establish a high-paying risk-sharing mechanism, and the “car safety policy” platform has cumulatively secured more than 30,000 high-paying and risk vehicles, such as trucks and internet-based vehicles。
In addition, the measure proposes the establishment of a cross-sectoral linkage mechanism to facilitate the development of an interactive sharing mechanism between insurance, the automobile industry and the government for data sharing on new energy vehicles to support precision pricing and anti-insurance fraud, while at the same time optimizing the design and supply chain improvement of nursing firms. The measures will also support the construction of a network of offshore insurance services for new energy vehicles in response to the overseas deployment needs of automobiles, enhance insurance capacity through co-insurance, reinsurance, etc., and provide insurance support for new energy vehicles to “off to sea”。
