Generali China, Solera team up on AI claims for EV insurance

Generali China Insurance Co., Ltd. and Solera have pushed their claims stack straight into the EV era, pairing intelligent motor claims handling with technology designed to calculate CO2 emissions on every claim. The deal is more than a software upgrade. It points to the real problem P&C insurers now face: claims platforms have to understand battery damage, repair economics, and sustainability reporting at the same time, or they fall behind a vehicle mix that is more software-defined, more data-heavy, and more expensive to fix than the old combustion engine fleet.

Solera’s role matters because this is not a generic AI experiment. The company already markets Sustainable Estimatics, a product built to measure CO2 emissions across the touchpoints in the auto claims journey. That gives Generali China a practical way to connect claims automation with repair transparency, not just faster settlement. In EV claims, that matters. Battery assessment, parts triage, and repair-network decisions can change the cost and cycle time of a claim as much as the visible damage does, so the software behind the adjuster’s desk has to be able to see more than sheet metal and paint.

China is the obvious proving ground. The International Energy Agency said electric car sales in the country rose by almost 40% year on year in 2024, China accounted for almost two-thirds of global electric car sales, and electric cars made up almost half of all car sales in the market. The agency also said around one in ten cars on China’s roads is now electric. Official government data showed the scale sharpened again in the first half of 2025, when new energy vehicle registrations hit 5.62 million, equal to 44.97% of all new auto registrations, and the national NEV fleet reached 36.89 million vehicles by the end of June, or 10.27% of the country’s total vehicle fleet.

Generali has been positioning for that shift for a while. In 2024, the group announced plans to become the 100% shareholder of its Chinese P&C insurance business, saying the move would make it the first foreign player to acquire a controlling stake in a Chinese P&C insurer from a single state-owned entity through a mandatory public auction. In May 2026, Generali China’s first Start Up Green Insurance Innovation Accelerator also identified pilot areas for 2026 that included AI-driven underwriting and claims for BESS, battery health and lifecycle assessment reports, and performance guarantee products. Taken together, the moves show a company building a full EV insurance operating model, one claim workflow at a time.