Data show that from 2013 to 2017, the number of new energy vehicles underwritten by the insurance industry increased by an average of 78.6% annually. In 2017, the scale of premiums reached 10.16 billion yuan, a growth rate of 50.4%. However, at present, there is no special new energy vehicle insurance in the market. The insurance coverage standard is completely applied to traditional gasoline vehicles, and some existing insurance items are not applicable to new energy vehicles, which makes the current situation qui