新能源汽车保险产品设计开发问题的研究

Research of new energy automobile insurance product design and development

新能源汽车在我国处于起步阶段,其在产品结构、性能、使用方面与传统汽车存在较大差异,因此,用户对新能源汽车保险的需求与传统汽车也存在差异。文章从新能源汽车保险目前存在的主要问题,进行分析,针对保费额定、费率厘定、险种设计及政策制定等方面进行设计。以推动完善新能源汽车的市场使用环境,促进新能源汽车的推广应用。

New energy vehicles in the initial stage in our country,which in t difference he structure,performance,using have much difference with the traditional cars.As a result,the user demand for new energy automobile insurance also exist differences with the traditional cars.In this paper,based on the main problems of the new energy car insurance at present,analysis of premium rate,type,design and policy etc.To promote the market of new energy vehicles using environment,promote the application of new energy vehicles.