With the rapid growth in sales and ownership of new energy vehicles in recent years, the demand for insurance protection for new energy vehicles is also showing a trend of increasing. Since the exclusive product of new energy vehicle commercial insurance was launched on December 27 last year, new energy vehicle insurance has become a necessary insurance guarantee for new energy vehicle owners to travel with peace of mind. The new energy auto insurance market space of over 500 billion yuan is a great opportunity for insurance companies, but the current situation of high loss ratios for new energy vehicles is also a challenge. How to improve the quality and efficiency of products and services while reducing the loss rate, so as to achieve a win-win situation for insurance companies and new energy vehicle owners is the focus of attention in the industry.