(1) Is Xinhua Life Insurance a regular company?
Xinhua Life Insurance is a formal company. The full name of Xinhua Life Insurance is new china life insurance co Co., Ltd., which is a large-scale life insurance enterprise. It was established in September 1996. 20 1 1, Xinhua Life Insurance was listed on the Hong Kong Stock Exchange and the Shanghai Stock Exchange simultaneously. In 20 14, Xinhua life insurance was selected into the world's top 500 for the first time.
Xinhua Life Insurance has set up provincial branches, prefecture-level central branches and marketing service departments in many places across the country, forming diversified sales service channels including individual agents, bank agents and various innovative channels.
(II) Company Profile
New china life insurance co Limited (hereinafter referred to as "Xinhua Life Insurance" or "Company") was established in1September, 1996. Headquartered in Beijing, it is a national large-scale life insurance enterprise. At present, it owns subsidiaries such as Xinhua Asset Management Co., Ltd. and Xinhua Home Care Enterprise Management (Beijing) Co., Ltd. for 201year. Xinhua Life Insurance is listed on both the Hong Kong Stock Exchange and the Shanghai Stock Exchange, with the A-share code of 60 1336 and the H-share code of 1336.
Xinhua Life Insurance has a strong life insurance sales staff and about 52,500 full-time employees, and has established an institutional network and diversified sales channels covering almost all provinces, municipalities and autonomous regions in China. There are about 65,438+0,700 branches at all levels in China, providing convenient and high-quality life insurance, health insurance, personal accident insurance and endowment insurance services to about 27.703 million personal life insurance customers and about 60,000 institutional customers.
The company's shareholding structure is good, and its main shareholders include central huijin Investment Co., Ltd., Baosteel Group Co., Ltd. and other large enterprises.
In 20 15 years, the company realized the insurance business income of1185.9 billion yuan, the company's total assets reached 660.56 billion yuan, and the premium income remained the top three in the industry for six consecutive years. In the first three quarters of 20 16, the company realized insurance business income of 93.4.1800 million yuan, and the company's total assets reached 689.096 billion yuan.
After the company was selected into the Forbes World Top 500 for the first time in 20 14, it made a strong list again in 20 15 and 20 16, and ranked 297th in the world in 20 16. In the Fortune (Chinese version) 20 16 China Top 500 list, the company ranked 35th.
Automobile insurance is a business operated by insurance companies. Car owners can buy insurance when buying a car, or they can buy insurance through the designated channels of the insurance company. Vehicle annual inspection, also known as motor vehicle inspection, can be carried out normally within the validity period of vehicle compulsory insurance.
Automobile annual inspection and insurance are not handled together, as long as they are within the validity period of compulsory insurance, they can be inspected annually. The compulsory insurance needs to be renewed in advance before it expires:
1. According to Article 4 of the Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles, the insurance supervision and administration institution of the State Council shall supervise and manage the compulsory traffic accident liability insurance business of insurance companies according to law;
2. The traffic administrative department of the public security organ and the competent department of agriculture (agricultural machinery) (hereinafter referred to as the motor vehicle administrative department) shall supervise and inspect the participation of motor vehicles in compulsory motor vehicle traffic accident liability insurance according to law. Motor vehicles that have not participated in compulsory motor vehicle traffic accident liability insurance shall not be registered by the motor vehicle management department or inspected by the motor vehicle safety and technical inspection agency;
3, the traffic administrative department of the public security organ and its traffic police in the investigation of road traffic safety violations and road traffic accidents, should check the insurance signs of motor vehicle traffic accident liability compulsory insurance according to law.
1, compulsory insurance: compulsory insurance is compulsory in our country. As long as you have a car, you must buy it. It is the payment to the third party, and the payment of compulsory insurance is cumulative, and the cumulative maximum amount within one year exceeds the insured. So don't just buy compulsory insurance to save the premium.
2. Car damage insurance: What are the coverage of auto insurance? Car damage insurance is compensation for the loss of your own car. In the event of an insured accident, you can compensate for the loss of your own vehicle. For example, if a vehicle collides, capsizes, catches fire, explodes, collapses or is damaged by foreign objects, or collides with other people's vehicles, causing damage to your own vehicle, the insurance company will compensate you for the maintenance cost of your vehicle according to the terms. It should be noted that PICC auto insurance is recommended to cover all risks when taking out car damage insurance, otherwise the claim may not be as high as the actual maintenance cost of the vehicle, and the engine water is not covered by car damage insurance.
3. Three-person insurance: Three-person insurance is compensation for the third party, which has the same function as compulsory insurance, but it is a powerful supplement to compulsory insurance. Unfortunately, if you hit a luxury car or cause serious injuries, the compensation may be as high as hundreds of thousands, exceeding the maximum limit of compulsory insurance. Insurance companies can compensate for the shortage of insurance against three risks and compulsory insurance. What is the insurance coverage? The People's Insurance Company of China suggested that the coverage of the three risks be 500- 1 10,000.
4. Vehicle personnel liability insurance: First of all, it should be noted that vehicle personnel liability insurance covers both drivers and passengers, mainly to protect drivers/passengers from casualties in accidents.