Research on Insurance Empowering New Energy Vehicles under the Background of Automobile Direct Sales Mode

This article aims to explore how insurance empowers the sustainable development of the new energy vehicle industry under the background of automobile direct sales mode. New energy vehicles are cars that use clean energy or renewable energy as power, which have the advantages of energy saving, emission reduction, environmental protection, and low carbon, and have become the development direction of the future automobile industry. The automobile direct sales mode is a new sales model in which the automobile manufacturer directly sells cars to consumers through the Internet or self-built channels, eliminating the traditional dealer link, reducing costs and prices, improving efficiency and service quality. The automobile direct sales mode brings more market opportunities and competitive advantages to new energy vehicles, but also faces challenges such as after-sales service, product quality, and customer trust. At the same time, as a risk management tool, insurance can provide effective empowerment and protection for new energy vehicles. Insurance can not only help new energy vehicle manufacturers and consumers share risks but also enhance the brand image, market share, and customer satisfaction of new energy vehicles through data analysis, product innovation, service upgrades, and other methods. This article will analyze the value and role of insurance in new energy vehicles under the background of automobile direct sales mode, as well as the challenges and opportunities faced by insurance, and explore how to further play the role of insurance and inject new power into the development of new energy vehicles.