Abstract: At present, the export momentum of China's new energy vehicles to overseas markets is strong. In the first half of fiscal year 2023, Europe became the region with the largest overseas market share of Chinese self-owned brand new energy vehicles. Among them, the UK and Germany have the highest sales volume of new energy vehicles. This paper mainly introduces the vehicle insurance rating system in the UK and Germany. The strong correlation between new energy vehicle insurance level and vehicle premium is analyzed by collating data. This paper explains the significance of vehicle insurance level development and design for vehicle manufacturers to export overseas and promote the cooperation between insurance and vehicle industry.

Key words: New energy vehicles; Vehicle insurance rating evaluation; Vehicles export; New energy vehicle security assessment

摘要： 当前，中国新能源汽车出口海外市场势头正劲，2023 年上半年，欧洲成为中国自主品 牌新能源汽车出口海外市场份额最多的地区，其中英国和德国是新能源汽车销售数量最多的 国家。文章主要介绍了英德两国汽车保险等级评价体系，通过整理数据分析了新能源汽车保 险等级与车辆保费的强相关性，说明了汽车保险等级开发设计对于汽车制造商出口海外，乃 至推动保险与汽车行业合作发展的重要意义。

关键词: 新能源汽车；汽车保险等级评价；汽车出口；新能源汽车安全评价