Commercial auto insurance reform group officially running the "zero integer quotient"
Today, the reform of commercial auto insurance to operate officially. In March this year, according to China Insurance Regulatory Commission issued a 'deepening of insurance clauses of commercial vehicles and premium rates of the reform program management system "(hereinafter referred to as the" Program "), Heilongjiang , Shandong, Guangxi, Shaanxi, Chongqing, Qingdao and six auto insurance pilot areas from trade reforms started today stop using the old terms. In early to mid-May, the CIRC Property Insurance Regulatory Department Director Liu Feng has said publicly that if the insurance company on June 1 did not complete the new provisions, the passing rate, then after 1 June the pilot areas, there is no product to sell.
It is understood that the reform clauses set type of commercial insurance, insurance terms innovative commercial auto insurance industry-oriented, supplemented by the terms of a management system, the ultimate goal is to make the risks and rates more match . Through reform, the insurance company will have greater autonomy in pricing, and consumers will have more options to enjoy insurance products fair and most favorable car.
Premium Base with reference to the "relationship integer zero"
In the previous press briefing held the auto insurance reform, the relevant person in charge said that after rates auto insurance reform, the prices of basic raw help direct decisions, from car parts to replace the standard price, which is the vehicle of "zero than the whole."
For the automotive industry, the so-called "zero integer ratio" is the price of the vehicle and its individual parts, and the ratio of selling price of the vehicle. April 2014, the China Insurance Association, the Association of Automotive Repair China released the 18 kinds of common models "Automobile integer zero" and "zero wear parts entire 50 that" two coefficients to zero whole vehicle accessories, for example, 18 models coefficient to 1.273%, the lowest of 272%. That is, in a certain price range, the same parts in different pricing models vary widely accessories, and accessories directly determines the level of prices but also the level of maintenance costs.
In reforming auto insurance rates commercial auto insurance the rear of the vehicle linked to the whole zero, zero than it will affect the entire risk of caustic prices, coefficient greater than zero integer, higher compensation costs, the higher the premium. Even in the case of new vehicles the same price, a high coefficient of zero for the entire vehicle has to pay higher maintenance costs, so the corresponding raw must be below zero over the whole model.
Analysts said the "plan" to achieve the improvement of pricing, different risk models have different premiums pure baseline risk, which may indirectly promote automakers to improve safety and ease of vehicle maintenance, but also ultimately benefit consumers. In addition, high insurance premiums zero whole business that drive improved car consumer after the car costs also increased, which will affect the layout of the user to buy in car prices is to increase sales of the product must also be zero whole relationship that should be adjusted accordingly.
Good driving habits can be "discount offers"
The fewer dangerous condition, future and enjoy more discounts subscription, we all know. According to the "program" in the future given the level of discount the insurance company not only depend on the rate of dangerous condition on the client the previous year, but also the driving behavior and driving risks to the owners. That after the reform of commercial auto insurance, the risk is low, customers will be able to secure a good sense of greater profits.
Recently, I treasure handsome car CEO Yong said, establish cooperation with the insurance company, as well as "risk group" driving based on risk through products OBD is installed in a vehicle, the registrant of a rapid acceleration on the road, sharp turns, hard braking, speeding, fatigue driving and other information, so that you can find driving behavior, owners of low-risk driving, driving risk and pure risk premiums They make party. It is reported that a number of insurance products of European and American art of the premium price important driver information be considered as such.
Some media speculated on the content of "program", and soon a new clauses and commercial vehicle insurance premium rates management system also spread to more cities across the country, the owner of good driving habits is " discount promotions. "
Auto insurance products are most abundant personality
After the reform, the structure of commercial insurance premium will also change, composed of three parts "additional costs baseline" and "adjustment factor type" business of insurance "basic premium", consumers can see more clearly understand the calculations easier. Of course, the most important point is that in addition to the reference premium by the Insurance Association of China is responsible for the pricing, the other two parts of the decision of the independent insurance company estimates, equivalent, to some extent, the pricing power of businesses, to encourage insurance companies to develop innovative insurance commercial terms.
It is understood that the insurance discount minimum allowable commercial auto is 7 times for telephone and Internet sales of private insurance, permit based on 30% discount on another 15% discount. And after the "program" the implementation of the pilot insurance company more autonomous areas, with a discount is also appropriate to expand the floating range. Liu Feng made it clear that the forum auto insurance China after June 1, the insurance pilot area, there is no limit to 50% off. It is foreseeable that the insurance company in market competition continue to enrich their products to offer consumers differentiated diversified and personalized protection and commercial insurance services. It was an example of that in the future may be similar to the "rainy day car owners do not pay no bonus" clause. Moreover, the differences between the different companies offer premium may be higher, so experts advise consumers after "plan" to implement the insured to pay more attention to "shop around".
The "program" in which there is a big change, is to eliminate the policy of "zero days after the entry into force" of the agreement permit policyholders between "zero hour protection" and "immediate effect" to make a decision, Insurance avoid covering a period of emptiness.
