Yes. Due to the significant difficulty in extinguishing lithium battery fires, insurance companies typically charge 20%-40% higher rates for comprehensive coverage on used EVs compared to ICE vehicles. Additionally, the absolute deductible for minor scratches on the body will also be increased accordingly.

Start by asking the seller for a photo of the full vehicle registration certificate. Check that the registered owner matches the seller's company name. Any change of ownership should appear with a transfer stamp and date. Second, request a lien check. In China, vehicle mortgages are registered with the vehicle management office. A clean certificate shows no mortgage registration; if one exists, the car cannot be legally exported until the loan is settled and the lien released. Third, verify there are no unpaid traffic fines and no gaps in compulsory insurance, since these can block export clearance. Ask the platform to include a title verification step in the transaction flow, and only pay the balance after the title transfer to the export company is confirmed.

A clean title check has three layers. First, run the VIN through maintenance records: dealers in China log service visits with mileage, and gaps or mileage rollbacks are red flags. Second, pull insurance claim history — major accidents, fire and flood damage usually leave claim records even if the car was repaired well. Third, verify registration status: confirm the car is not under finance, court seizure, or theft report. From overseas, you can engage a local inspection agency or law firm to retrieve these records and issue a written report. Cross-check the VIN and engine number on the report against the registration certificate; any mismatch means walk away.