Cheche (CCG)

Its core business is the facilitation of auto insurance transactions through digital channels. Cheche helps insurers broaden distribution while giving intermediaries and sales partners access to products, pricing tools, policy issuance capabilities, and operational support. The company also provides Software-as-a-Service products to insurance intermediaries, helping them manage customer acquisition, quotations, transactions, renewals, and compliance workflows.

A distinctive part of Cheche’s strategy is its use of data and artificial intelligence in areas such as pricing, underwriting support, and customer matching. China’s auto insurance market has historically relied on fragmented offline distribution, and Cheche’s platform is designed to reduce transaction costs, improve processing efficiency, and expand the reach of insurance carriers through digital infrastructure.

The company is also active in services for new energy vehicle manufacturers, a growing segment as China’s electric vehicle industry expands. By embedding insurance services into automotive sales and ownership journeys, Cheche aims to capture demand where consumers buy, finance, and maintain vehicles.

As a listed company, Cheche gives investors exposure to China’s insurtech market, digital insurance penetration, and the evolution of auto-related financial services. Its performance depends on insurance premium volumes, insurer partnerships, regulatory conditions, technology adoption, and competition from both traditional distributors and larger digital platforms.