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.

China's vehicle data is less centralized than in the US or Europe, but you can still verify a lot: 1. Ask the exporter for the VIN and order a third-party history report from Chinese services; they aggregate insurance claims and repair records. 2. Cross-check the registration date on the title with the odometer—a 3-year-old car showing 30,000 km but registered as a ride-hailing vehicle is a red flag. 3. Request maintenance records from the brand's dealer network; digital records are increasingly common. 4. Verify the seller legally owns the car: the registration certificate name should match the exporter's business license. Gaps are common, so treat the history report as one input, not proof. Combine it with an independent pre-purchase inspection, and hold back part of the payment until the inspection passes.

If the buyer's country is under international sanctions, or if the buyer fails to provide a legitimate source of funds leading to the bank returning the payment, all transfer fees and exchange rate losses incurred during this period are to be borne entirely by the buyer.