Cheche Group Announces Strategic Cooperation with Volkswagen DSSO and Cardif Airstar Insurance to Build Digital Insurance System with Intelligent Pricing Model

Rhea-AI Summary

Cheche Group (NASDAQ: CCG) announced a strategic cooperation with Volkswagen DSSO and Cardif Airstar Insurance on January 29, 2026 to build a digital insurance system with an AI-driven intelligent pricing model covering the full lifecycle of electric vehicle ownership.

The partners will deliver embedded insurance via the automaker app, combine driving, road, interaction and claims data to generate owner risk profiles, and operate a real-time claims feedback loop to continuously optimize pricing and anti-fraud models.

Positive

• Strategic cooperation signed with Volkswagen DSSO and Cardif Airstar
• Unified digital entry via automaker app across EV purchase and ownership
• AI-driven intelligent pricing using driving, road, interaction, and claims data
• Real-time claims feedback loop for continuous pricing optimization

Negative

• Liability determination in intelligent-driving scenarios remains a stated challenge

Market Reality Check

Price: $0.7993 Vol: Volume 109,610 is above t...

normal vol

$0.7993 Last Close

Volume Volume 109,610 is above the 20-day average of 73,840 (relative volume 1.48) ahead of this announcement. normal

Technical Shares at 0.835 trade below the 200-day MA of 0.91 and between the 52-week range of 0.7144–1.54.

Peers on Argus

CCG showed no price change, while peers in Internet Content & Information were m...

CCG showed no price change, while peers in Internet Content & Information were mixed, with moves ranging from about -4% to modest gains, suggesting no clear sector-wide pattern tied to this news.

Historical Context

5 past events · Latest: Jan 13 (Negative)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 13	Nasdaq non-compliance	Negative	-0.6%	Nasdaq notified Cheche its bid price stayed below <b>$1.00</b> for 30 days.
Dec 04	FAW Bestune partnership	Positive	+0.4%	Partnership to enable fully digital vehicle delivery and insurance via 12123 platform.
Sep 19	Nasdaq compliance regained	Positive	+1.4%	Regained compliance after maintaining <b>$1.00+</b> bid for 12 consecutive business days.
Sep 17	Volkswagen Anhui expansion	Positive	-0.7%	Expanded Volkswagen Anhui partnership for end-to-end NEV insurance risk management.
Sep 08	NIO partnership deepened	Positive	-4.6%	Deepened NIO partnership to enhance insurance services for its growing EV portfolio.

Pattern Detected

Partnership announcements have produced mixed reactions, while Nasdaq compliance-related notices have seen modest, directionally aligned price moves.

Recent Company History

Over the last several months, Cheche reported multiple developments. Partnership news with FAW Bestune on Dec 4, 2025 and Volkswagen Anhui on Sep 17, 2025, as well as an expanded collaboration with NIO on Sep 8, 2025, underscored its role in China’s NEV and digital insurance ecosystem, but share reactions were inconsistent. Nasdaq bid-price compliance news on Sep 19, 2025 and the later non-compliance notice on Jan 13, 2026 both led to relatively small moves, aligning with the regulatory tone of those updates.

Market Pulse Summary

This announcement highlights Cheche’s deepening role in EV-focused digital insurance, adding Volkswa...

Analysis

This announcement highlights Cheche’s deepening role in EV-focused digital insurance, adding Volkswagen DSSO and Cardif Airstar Insurance to its ecosystem. The cooperation targets intelligent pricing, embedded SaaS solutions, and full-lifecycle coverage for Volkswagen electric vehicles. In context of earlier partnerships with FAW Bestune, Volkswagen Anhui, and NIO, investors may watch for concrete adoption metrics, revenue contribution from these platforms, and progress on maintaining Nasdaq listing compliance over time.

Key Terms

intelligent‑driving insurance, embedded insurance saas system, underwriting, claims data, +3 more

7 terms

intelligent‑driving insurance technical

"expand into areas such as intelligent pricing, intelligent‑driving insurance, and non‑auto"

Insurance that uses real-time vehicle sensors, driving behavior data and artificial intelligence to set premiums, detect accidents, and manage claims for cars with advanced driver-assist or autonomous features. It matters to investors because it can change insurers’ risk profiles and profit margins—like a fitness tracker for a car that rewards safer behavior—while creating new revenue opportunities for tech-savvy insurers, automakers, and mobility service providers.

embedded insurance saas system technical

"Cheche will deliver one‑stop digital solutions through its embedded insurance SaaS system."

An embedded insurance SaaS system is cloud software that lets a non-insurance company add and manage insurance products directly inside its website, app or checkout—so customers can buy coverage as part of another purchase. For investors it signals a new revenue stream and closer customer relationships, like a coffee shop adding prepackaged snacks at the counter: it can boost sales and margins but also brings regulatory and underwriting risks to watch.

underwriting financial

"Cardif Airstar Insurance will provide insurance product design and underwriting services"

Underwriting is the process where a financial institution agrees to buy and then resell new stocks or bonds to investors. It matters because it helps companies raise money quickly and smoothly, while the bank takes on the risk of selling those securities at the agreed price. Think of it like a booker guaranteeing to sell all tickets for a concert before opening the doors.

claims data financial

"real‑time claims data flows back into the model for parameter calibration"

Claims data are the detailed records created when an insurer, government program, or patient files for payment of medical services or prescriptions—think of them as the receipts and invoices for healthcare events, listing dates, diagnoses, procedures, provider identifiers and costs. Investors use claims data like a marketplace thermometer: it reveals real-world demand, treatment patterns, pricing and cost trends, and potential revenue or risk exposure for healthcare companies, payers and drug makers.

anti‑fraud models technical

"With the support of AI‑based pricing and anti‑fraud models, these data points"

Anti-fraud models are automated systems that analyze transactions, claims, or records to spot patterns that suggest deception or theft, using rules, statistics, or machine learning much like a smoke detector scans for signs of fire. They matter to investors because effective models reduce direct financial losses, lower compliance and legal risk, protect a company’s reputation, and can improve margins and trust — all of which affect future cash flow and valuation.

dynamic data loop technical

"Cheche has established an industry-leading, full‑chain, dynamic data loop."

A dynamic data loop is an ongoing process where new information is automatically collected, analyzed and fed back into a system so forecasts, decisions or displays update in near real time. Think of it like a thermostat that constantly measures temperature and adjusts heating; for investors it matters because it helps market models, risk controls and dashboards reflect current conditions quickly, reducing lag between events and investment decisions.

risk profile financial

"This process generates a unique "risk profile" for each Volkswagen owner."

A risk profile describes the kinds and amounts of potential loss an investment, company, or portfolio might face, including how likely negative outcomes are and how severe they could be. Investors use it to decide whether an opportunity fits their comfort with ups and downs and to estimate the return they should expect for taking that risk—like choosing between a fast sports car and a sturdy family car based on how much risk you’re willing to accept.

AI-generated analysis. Not financial advice.

BEIJING, Jan. 29, 2026 /PRNewswire/ -- Cheche Group Inc. (NASDAQ: CCG) ("Cheche" or the "Company"), China's leading auto insurance technology platform, today announced that Volkswagen (Anhui) Digital Sales and Services Co., Ltd. ("DSSO"), Beijing Cardif Airstar Property & Casualty Insurance Co., Ltd. ("Cardif Airstar Insurance"), and Cheche Group Inc. held a strategic cooperation signing ceremony on January 29, 2026. They will collaborate to develop digital insurance services for Volkswagen owners and expand into areas such as intelligent pricing, intelligent‑driving insurance, and non‑auto insurance. The partnership aims to establish a digital financial and insurance service system covering the full lifecycle of electric vehicle ownership.

DSSO is a wholly owned subsidiary of Volkswagen (China) Investment Co., Ltd. and a core enterprise within Volkswagen Group's Intelligent Electric Vehicle Center in Hefei. Cardif Airstar Insurance is a Sino‑foreign joint venture property and casualty insurer, with BNP Paribas Cardif, Volkswagen Financial Services Overseas AG and Xiaomi Corporation as its shareholders. Cheche provides insurance services and digital platforms for DSSO.

Pursuant to the strategy, Volkswagen owners will access services through a unified digital entry point within the automaker's app across electric vehicle purchase, usage, insurance, and financial service scenarios. Cardif Airstar Insurance will provide insurance product design and underwriting services, while Cheche will deliver one‑stop digital solutions through its embedded insurance SaaS system.

In the field of intelligent pricing, Cheche has established an industry-leading, full‑chain, dynamic data loop. The system integrates driving‑behavior data from intelligent connected vehicles—including rapid acceleration, hard braking, and steering‑angle indicators—together with road‑condition data, in‑vehicle interaction frequency, and industry claims data. This process generates a unique "risk profile" for each Volkswagen owner. With the support of AI‑based pricing and anti‑fraud models, these data points are transformed into precise pricing factors to achieve differentiated premiums under the principle of "better driving, better pricing."

Cheche's pricing model also features dynamic learning capabilities. By connecting to automaker's electric power control systems with insurer direct repair program networks, real‑time claims data flows back into the model for parameter calibration, forming a positive cycle of "risk identification → pricing → claims → optimization." As cooperation deepens, the partners will extend this intelligent pricing system into intelligent‑driving insurance, helping to address the challenge of liability determination in intelligent‑driving scenarios and to provide a practical reference for industry innovation.

"Today's signing marks the beginning of a shared vision among all parties. By integrating data, technology, real‑world scenarios, and ecosystem resources, we will deliver a more seamless and intelligent service experience to Volkswagen owners. This cooperation enables us to jointly build solutions that support the full lifecycle of electric vehicle use and achieve meaningful improvements in service quality," said Mr. Lei Zhang, founder and CEO of Cheche.

The three parties jointly witnessed the signing ceremony and committed to continue collaborating to serve Volkswagen owners, enabling users to benefit from comprehensive solutions built on data, technology, and collaborative ecosystems and experience meaningful improvements in service quality.

Safe Harbor Statements

This press release includes "forward-looking statements" within the meaning of the "safe harbor" provisions of the United States Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by the use of words such as "estimate," "plan," "project," "forecast," "intend," "will," "expect," "anticipate," "believe," "seek," "target" or other similar expressions that predict or indicate future events or trends or that are not statements of historical matters. These forward-looking statements also include, but are not limited to, statements regarding existing and new partnerships and customer relationships, projections, estimation, and forecasts of revenue and other financial and performance metrics, projections of market opportunity and expectations, the Company's ability to scale and grow its business, the Company's advantages and expected growth, and its ability to source and retain talent, as applicable. These statements are based on various assumptions, whether or not identified in this press release, and on the current expectations of the Company's management, and are not predictions of actual performance. These statements involve risks, uncertainties, and other factors that may cause the Company's actual results, levels of activity, performance, or achievements to materially differ from those expressed or implied by these forward-looking statements. Further information regarding these and other risks, uncertainties, or factors is included in the Company's filings with the U.S. Securities and Exchange Commission. Although the Company believes that it has a reasonable basis for each forward-looking statement contained in this press release, the Company cautions you that these statements are based on a combination of facts and factors currently known and projections of the future, which are inherently uncertain. The forward-looking statements in this press release represent the views of the Company as of the date of this press release. Subsequent events and developments may cause those views to change. Except as may be required by law, the Company does not undertake any duty to update these forward-looking statements.

About Cheche Group Inc.

Established in 2014 and headquartered in Beijing, China, Cheche is a leading auto insurance technology platform with a nationwide network of around 108 branches licensed to distribute insurance policies across 25 provinces, autonomous regions, and municipalities in China. Capitalizing on its leading position in auto insurance transaction services, Cheche has evolved into a comprehensive, data-driven technology platform that offers a full suite of services and products for digital insurance transactions and insurance SaaS solutions in China. Learn more at https://www.chechegroup.com/en.

Cheche Group Inc.:

IR@chechegroup.com

Crocker Coulson
crocker.coulson@aummedia.org
(646) 652-7185

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SOURCE Cheche Group Inc.

FAQ

What did Cheche Group (CCG) announce with Volkswagen DSSO and Cardif Airstar on January 29, 2026?

They announced a strategic cooperation to build a digital insurance system for Volkswagen owners across the EV lifecycle. According to the company, the partnership will integrate insurance, finance, and in-app services and focus on intelligent pricing, intelligent-driving insurance, and non-auto products.

How does Cheche's intelligent pricing model for CCG work?

The model uses driving, road, in-vehicle interaction, and industry claims data to create owner risk profiles. According to the company, AI pricing and anti-fraud models convert those signals into differentiated premiums under a "better driving, better pricing" principle with dynamic learning.

Will Volkswagen owners access insurance services through the automaker app for CCG products?

Yes — services will be available through a unified digital entry point inside the automaker app. According to the company, this covers electric vehicle purchase, usage, insurance, and related financial-service scenarios for Volkswagen owners.

Does the partnership include underwriting and product design for CCG insurance offerings?

Yes — Cardif Airstar Insurance will handle insurance product design and underwriting roles. According to the company, Cheche provides embedded insurance SaaS and one-stop digital solutions while Cardif Airstar supplies underwriting expertise and products.

How will the cooperation address intelligent-driving liability issues mentioned by Cheche (CCG)?

The partners plan to extend the intelligent pricing system into intelligent-driving insurance to help address liability determination challenges. According to the company, this aims to provide practical references for industry innovation while the liability issue remains complex.