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ARTICLE · 25 SEPTEMBER 2026

China's EVs Are Going Global, How About Insurance?

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As Chinese automakers export over 7 million vehicles annually, with NEVs comprising 37% of shipments, the strategic imperative has shifted from logistics to ecosystem-building. Auto insurance has emerged as a structural prerequisite for sustainable overseas expansion, requiring tight coupling between underwriting and go-to-market strategies across jurisdictions with varying repair networks, regulatory frameworks, and claims environments.

ChinaInsurance
Jan Holthuis
Jan Holthuis
Yongmei Evers-Cai
Yongmei Evers-Cai
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China's auto exports hit 7.098 million units in 2025, up 21.1% year-on-year. New Energy Vehicles (NEVs) alone accounted for 2.615 million units, making up roughly 37% of that total. As Chinese automakers race into global markets, the game has changed completely: it is no longer just about shipping vehicles; it is about building an entire ecosystem — manufacturing, distribution, after-sales service, and critically, insurance.

Auto insurance is no longer a peripheral add-on. It is a structural prerequisite for sustainable overseas expansion. The underwriting of vehicles sold abroad must be tightly coupled with automakers' go-to-market strategies. Where repair networks are thin, spare parts rely heavily on imports, and claims costs run high, the absence of fit-for-purpose insurance quickly erodes consumer confidence and brand equity.

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