PBESProceedings of Business and Economic Studies2209-26412209-265XBio-Byword Scientific Publishing Pty. Ltd.10.26689/pbes.v9i5.15173ArticleResearch on the Current Situation and Optimization Suggestions of the Insurance System for New Energy Vehicle Battery Swapping Vehicles Towards Carbon Neutralityhttps://artdesignp.com/journal/PBES/9/5/10.26689/pbes.v9i5.15173ZhuYifang,ShiJian,ZhouWei,ZhuYueyan2026952026-06-19In recent years, insurance policies for new energy vehicles have been continuously improved to adapt to the rapid development of new energy vehicles. At the national and local levels, a series of policies related to automobile insurance have been introduced to clarify the insurance liability for new energy vehicles. However, the development of battery swapping models has put forward innovative requirements for new energy vehicle insurance products, which differ greatly from traditional automobile and rechargeable new energy vehicle insurance products in terms of insured entities, insurance content, and insurance subjects. This article analyzes the current situation and existing problems of new energy vehicle insurance, and proposes to timely research and launch a “basic + variable” new energy vehicle insurance combination product to support new energy vehicle owners to flexibly purchase insurance according to their actual situation, in order to meet the needs of different vehicle owners for renting power batteries.

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