Cheche Technology

Digital insurance transaction platform for auto insurance in China

Distribution & Sales Enterprise Public

Overview

Cheche Technology is a digital insurance transaction and services platform serving auto insurance carriers, intermediaries, and distribution partners in China. The company operates an open digital ecosystem that connects insurers, agents, automakers, and third-party traffic platforms across 25 provinces, enabling fully digital auto insurance transactions from quoting through policy issuance.

The platform suite includes AI-powered quoting and processing tools, SaaS applications for intermediaries, business intelligence systems, and core integration infrastructure for insurance carriers. Key capabilities include real-time risk pricing, machine learning-based fraud detection, driving behavior analytics for new-energy vehicles (NEVs), and open API connectivity to over 100 traffic platforms. Cheche reports 30-second quoting and 5-minute fully automated policy processing as platform benchmarks.

Founded in 2014 and listed on NASDAQ in September 2023 (ticker: CCG), Cheche achieved full-year profitability in 2025. The platform connects over 100 insurance carriers, 500+ intermediaries, and 100,000+ referral partners, with annual transaction volumes exceeding CNY 10 billion. In 2026, the company launched an AI large model-driven pricing product for NEVs and announced strategic partnerships with Volkswagen Anhui Digital Sales and Services (DSSO) and Beijing Cardif Airstar Insurance.

Products & Services

EASYINSUR

AI-driven auto insurance transaction platform connecting insurers, intermediaries, and distribution partners. Integrates with over 100 traffic platforms across mobility, car shopping, used car sales, and aftermarket service scenarios.

Key Features

30-second real-time quoting engine
5-minute fully automated policy processing
Multi-carrier price comparison and binding
Integration with major traffic platforms including Didi and Dongchedi

Target Users: Insurance intermediaries, digital distribution platforms

Auto Insurance Marketplace

E-commerce platform providing direct-from-carrier pricing to end consumers. Supports multiple distribution scenarios through a fully digital transaction flow.

Key Features

Direct insurance company pricing without intermediary markup
Multi-channel distribution support
End-to-end digital transaction workflow

Target Users: Consumers, digital distribution partners

Sky Frontier

AI-based business intelligence platform providing advanced analytics and pricing intelligence for auto insurance.

Key Features

Advanced pricing analytics
Market intelligence reporting
AI-driven risk assessment data

Target Users: Insurance carriers, underwriting teams

Sky Dome

Intelligent insurance advisory platform providing personalized product recommendations and insurance solutions.

Key Features

Personalized insurance recommendations
Intelligent product matching
Customer-facing advisory interface

Target Users: Consumers, insurance agents

Rising Cloud

SaaS-based service application platform for insurance intermediaries to manage digital insurance workflows and operations.

Key Features

End-to-end intermediary workflow management
Digital insurance process automation
Multi-carrier connectivity

Target Users: Insurance intermediaries, licensed agents

Sturdy Rock

Intelligent contract management platform for streamlining insurance policy operations and documentation.

Key Features

Automated contract lifecycle management
Policy documentation processing
Compliance workflow support

Target Users: Insurance carriers, intermediaries

Converging River

IT integration platform for connecting insurance carriers' core systems with the Cheche ecosystem for seamless data exchange.

Key Features

Core system API integration
Real-time data synchronization
Standards-based connectivity layer

Target Users: Insurance carriers, IT teams

At a Glance

Founded: 2014
Headquarters: Beijing, China
Employees: 1000+
Funding: Public

Category & Focus

Category: Distribution & Sales
Subcategories: Digital Storefront Quote-to-Bind Embedded Insurance Underwriting & Risk Data & Analytics
Insurance Verticals: P&C Personal P&C Commercial Specialty/E&S
Target Customers: Carriers, Agents/Agencies, MGAs/MGUs