#China #Beijing #Cheche Group #NEV Insurance #ABAO Agents

Cheche Group Unveils a Game-Changer in NEV Insurance

On September 1, 2026, Cheche Group Inc. (NASDAQ: CCG), a leading player in China’s auto insurance technology sector, took a major step forward by introducing the ABAO Agent Family. This new suite consists of five innovative AI agents designed to enhance the entire insurance lifecycle for New Energy Vehicles (NEVs). This launch signifies a pivotal shift for Cheche, transitioning from a mere digital insurance transaction platform to a comprehensive AI-driven insurance infrastructure provider.

The ABAO Agent Family: A New Era for NEV Owners

The ABAO agents are innovatively tailored to serve both vehicle owners and insurance carriers. The first notable agent is a claims companion, offering NEV owners intelligent support during incidents. From the initial notification of loss to damage assessment and real-time updates, this agent seamlessly communicates through various platforms. Whether it’s through in-vehicle smart cockpit systems or customer service hotlines, this agent simplifies the claims process.

How does it work? Powered by a sophisticated, fully automated claims platform, the claims companion integrates leading open-source large model technologies with blockchain documentation. This setup connects OEM electronic parts catalogs with insurer repair networks, enabling prompt damage assessment and accurate loss calculations. This system is already operational with significant partners like Volkswagen Anhui and Avatr, and Cheche is gearing up to expand its reach by integrating with Huawei's Yinwang ecosystem.

The second external agent within the ABAO family serves insurance professionals directly. It functions as a decision-grade underwriting and pricing tool, allowing underwriters to access comprehensive, multi-dimensional risk analyses in milliseconds. By simply entering a vehicle's order number or VIN, they can retrieve a Cheche Score rating and risk trend analyses. By analyzing over 200 dynamic risk-control factors, this agent delivers tailored, per-vehicle dynamic pricing, making it an essential tool for over 200 leading insurance companies across more than 100 cities in China.

Enhancing Internal Operations: Cheche’s Model-as-a-Service Transformation

Three more ABAO agents are implemented internally to optimize Cheche's service and operational workflows. These agents focus on enhancing customer service quality control, coordinating cross-departmental follow-ups, and managing non-standardized carrier settlement documents. The results? A remarkable 30% increase in settlement workflow efficiency and a 50% boost in overall processing efficiency—all achieved without adding extra headcount.

Lei Zhang, the founder and CEO of Cheche Group, emphasized this advancement by stating, “The ABAO Agent Family represents a significant leap in our AI deployment throughout the insurance value chain. Every part of the insurance lifecycle is transformed through intelligence—from claim initiation by vehicle owners to pricing decisions by our carrier partners and internal settlement workflows.”

As Cheche continues to harness the power of AI, the company is optimistic about its strategic direction, despite being in the nascent stages of leveraging this innovative infrastructure. The enthusiastic reception from partners and stakeholders indicates a promising future.

Forward-Looking Statements and Conclusion

Cheche Group advises that this release contains forward-looking statements, subject to risks and uncertainties that may impact actual outcomes. These statements encompass potential partnerships, customer relationships, financial projections, and overall market opportunities.

With a firm foundation established in 2014 in Beijing, Cheche has expanded to cover 108 branches across 25 regions in China. Recognized for its innovative auto insurance solutions, the company continues to evolve, setting the stage for a new frontier in NEV insurance through its cutting-edge ABAO Agent Family.

For further information, visit Cheche Group.