20 16 new auto insurance regulations and policies
From 20 1 6,65438+10,1,all insurance companies in China will implement a new vehicle insurance premium rate policy, which will increase the premium by 25% for the second time, 50% for the third time, 75% for the fourth time and double the premium for the fifth time!
So, why should we reform auto insurance?
Statistics show that in the first half of 20 14, the comprehensive cost ratio of motor vehicle insurance business of China Taibao has climbed to 100%, which means that its auto insurance business is facing loss pressure. The comprehensive cost rate of PICC P&C insurance in the first half of the year was 94.4%, of which the underwriting profit of auto insurance business was 3.7%. The comprehensive cost rate of Ping An Property Insurance is 94.4%. The comprehensive insurance of other insurance companies may be higher in payout ratio.
The rising price of auto parts, labor cost, personal injury medical cost and channel cost under fierce competition have greatly increased the cost of auto insurance business of various insurance companies, and they will face a loss dilemma.
People in the insurance industry believe that one of the important reasons for the increase in the cost of auto insurance business is that the current charging standard lacks the key factor of vehicle type risk. The current auto insurance charging standards of various insurance companies are only related to the number of seats, the age of the car and the purchase price of new cars, and the premiums of vehicles with the same price are the same.
Take a 200,000 BMW I Series and a 200,000 FAW-Volkswagen Magotan as examples, and the premiums are basically the same. However, due to the difference of zero integral ratio (the ratio of the sum of parts prices of a specific model to the sales price of the whole vehicle, the higher the coefficient means the more expensive the parts), once an accident occurs, the maintenance cost of BMW is obviously higher.
Therefore, the current auto insurance charging standard does not match the degree of risk, which is unfair to insurance companies and car owners.
20 16 the difference between the new auto insurance regulations;
① Calculate the premium according to the actual value of the vehicle, and the premium is different for different vehicles with the same price.
Before the fee reform, the car owner determined the insurance fee according to the purchase price of the new car when purchasing insurance. After the fee change, the vehicle will be insured for car damage insurance at the premium determined by the actual value. When a total loss occurs, the vehicle can get compensation for the actual loss. Before the comparison fee changes, consumers will have to pay lower fees.
After the fee change, vehicles with the same price are insured, and the premiums paid by different models will be different. Authoritative evaluation of vehicles with high safety factor and convenient maintenance (cheaper parts) will lead to lower insurance costs.
② The fewer accidents, the better driving habits and the lower insurance premium.
The price given by the insurance company after the fee reform depends not only on the accident rate of the owner in the previous year, but also on the driving behavior habits and driving risks of the owner. Simple calculation, there was no accident last year. Comprehensive calculation, the lowest auto insurance rate can enjoy a 40% discount on the benchmark rate. If there are no accidents for two consecutive years, the minimum premium can reach 50%. If there is no accident for three consecutive years (or more), the minimum premium can be around 40%.
③ The new regulations expand the scope of insurance liability.
The family members of the insured or the driver can make compensation according to the three liability insurance. Compared with the situation that family members were not compensated in the past, the scope of insurance liability has been widened after the fee reform. In addition, the liability of vehicle damage insurance has also increased the vehicle losses caused by natural disasters such as typhoon, tropical storm, blizzard, freezing, sandstorm and hail, and deleted a number of liability exemption agreements for all types of insurance.
(4) increase subrogation.
To put it simply, when I encounter an insurance accident for which the other party is fully responsible, if the other party is unable to pay because of insufficient insurance coverage, the injured party can ask its insurance company to pay first, and then the insurance company is responsible for recovering from the other party.
New Regulation on Automobile Insurance Policy 1: Wider Insurance Liability
The commercial auto insurance clauses after the reform this year have obviously expanded the scope of insurance liability on the original basis.
1. The accident occurred when the original car was not listed, which was not covered by the insurance liability, and the new regulations can also compensate.
In order to meet the demand of insurance consumers for "immediate effect", this clause deletes the agreement of "effective at 0: 00 the next day" in the insurance policy and follows the principle of freedom of contract, allowing the insured to choose between "immediate effect" or "immediate effect".
If your car hits your family, you can get compensation.
The new clause stipulates that if the insured motor vehicle suffers damage from a third party, the insurer shall actively assist, and the insured may also directly claim compensation from the insurance company. The new clause expands the scope of insurance liability. In the exemption clause of the commercial auto insurance clause, the "personal injury and death of the insured and the driver's family" in the three insurances is included in the scope of protection, which means that driving into one's family is also included in the scope of protection.
3. People injured in the car due to the accident can get compensation.
Natural disasters such as hail, typhoon and snowstorm, as well as car damage caused by accidental collision between goods and people on board can also be compensated.
4. Adjusted the problem of "high insurance and low compensation".
The original high insurance and low compensation means that no matter how many years have passed, the insured vehicle must pay the premium according to the purchase price of the new car when insured, and only pay in proportion when paying, but after the reform, the determination of the premium is out of touch with the purchase price of the new car.
1, before change:
For example, a car is worth 654.38+10,000 yuan, and it is insured for 654.38+10,000 yuan. After two years of operation, it is still insured for 654.38+10,000 yuan, but after the accident, the insurance company pays according to the discounted price. Interview with Mr. Ma, an insider: Now the new regulation is to insure according to the actual value. In case of total loss, the insurance company will pay according to the insured amount. The reformed commercial auto insurance policy will increase the depreciated car price.
2. After the change:
For example, a new car costs 65,438+10,000 yuan and is insured for 65,438+10,000 yuan. After two years, it will be insured at the discounted price, not 65438+ 10,000.
New regulation 2 of auto insurance policy: the rate is linked to the risk, and the accident frequency is effectively reduced.
Before the auto insurance reform: before the implementation of the premium floating mechanism, the high compensation for minor accidents or the slight scratch of many cars has always been a headache for many insurance companies. Therefore, after the reform, the "premium floating mechanism" was added, that is, the number of claims was increased in the previous year, and the premium rose in the next year, even being refused by insurance companies. For example, once there is no discount, twice there is a 15% discount, three times there is a 50% discount, four times there is a 75% discount, and more than five times there is a double discount.
Automobile insurance calculation formula changes face.
Original premium calculation formula:
Premium = (car price * rate+basic premium) * adjustment coefficient
New insurance premium calculation formula:
Premium = [benchmark pure risk premium /( 1- additional rate)] * rate adjustment factor
Before the reform, the purchase price of new cars was the same, so the premium was the same; After the reform, the purchase price of new cars of different models is the same, but the premium is different because of different risks.
Six influences on after-sales market
1, auto insurance price is closely related to driving behavior.
After the change of auto insurance rate, the factor of auto insurance pricing will change from "car" to "person". Once the auto insurance rate is truly market-oriented, the premium of good car owners will be reduced, because this part of the car owners who are not in danger or have fewer risks; And car owners who often take risks may have high premiums in the future, and the premiums may rise sharply every time they take risks.
2. The auto insurance price of the same price model is completely different.
After the reform of auto insurance rate, consumers may be most concerned about the "basic premium" of this car in addition to the car price itself when buying a car. This "basic premium" comes from the standard based on the replacement price of auto parts of this car. If you choose to buy a car with a high "basic premium", then no matter how excellent your driving habits are in terms of "people", you must be a Gao Fushuai suffering from "car" factors.
3. The real situation of used cars is no longer concealed.
After the market-oriented reform of auto insurance rate in China, the pricing from "car" to "person" will be realized, which will fundamentally promote the second-hand car trading in China. Due to the market-oriented reform of auto insurance rates in China, it is necessary to collect, analyze and apply the "human" factors from drivers. Then, we are fully aware of the driver factors of used cars in the future. This "knowing" is the driving behavior of the owner. Every mileage and every movement will be digitized.
4. The current automobile maintenance system will face an impact.
If there is no accident, a large number of social maintenance institutions will soon appear, which will become a new choice for hundreds of millions of private car owners to repair their cars after their accidents. Maybe in the near future, after you report the case, the adjuster will not recommend you to 4S shop for maintenance as before, but to some social maintenance enterprises certified by insurance companies.
5. Car networking grafting auto insurance has become a terminal application.
The market-oriented reform of China's auto insurance rate used to need the "car" factor, but now it needs the "people" factor more. Where does the human factor come from? Data acquisition based on the hardware of vehicle networking is one of the important sources of "human" factors.
6. It is ok to buy auto insurance according to mileage and weather.
In the market-oriented reform of auto insurance rates in China, there will also be "innovative clauses", that is, supporting and encouraging qualified insurance companies to formulate innovative clauses based on free data to jointly form the commercial clauses of auto insurance. This means that not only the rate game is liberalized, but also how to guarantee a car in the future. Maybe different insurance companies will play different tricks. Different insurance companies have different market positioning. Some insurance companies need premium scale, some insurance companies need high-quality customers, and some insurance companies need controllable comprehensive cost ratio.
The new auto insurance policy should pay attention to three points when buying a car:
After the reform of auto insurance rate, people who want to buy a car must pay attention to the following three points:
1, buying a car: not only depends on the price of the car, but also on the whole zero ratio.
"In the auto insurance rate reform plan, the zero ratio of motor vehicles will also be taken into consideration." According to property insurance sources, the higher the zero ratio, the higher the auto insurance rate may be, and the higher the final auto insurance price will be.
What is the zero integral ratio of vehicles? Refers to the proportion of accessories in the overall sales price. Simply put, it is the ratio of the sum of the prices of all spare parts in the market and the sales price of new cars. According to the data jointly released by insurance association of china and China Automobile Maintenance Association, some motor vehicles can buy more than 10 identical new cars at the total price of replacement parts. The abnormally high price of some vehicle parts not only makes the maintenance cost of car owners high, but also makes insurance companies feel unfair in auto insurance claims. "This time, the zero ratio of motor vehicles is linked to the auto insurance rate, which in turn can affect the sales of vehicles with high zero ratio."
Warmly remind you to buy a car in the future, don't just look at the price of a naked car, but also inquire about the zero ratio of the car, otherwise you may spend more premium every year.
2, car selection: not only the brand, but also the rate table.
"Before buying a car, you might think which series of cars have good safety and which series have poor safety. There will be a better reference when you choose in the future. " According to property insurance sources, the auto insurance rate reform plan adopts the claims data of the national auto insurance industry for many years, and each model will have a rate table, that is, vehicles of the same brand will have different insurance rates for different models.
In the past, when people bought a new car or renewed their insurance, the car insurance rates of the higher models in payout ratio might be higher than those of the lower-risk models.
Warm reminder, don't buy a car just by feeling which brand and which model, but check the insurance company's rate table for this model in advance. Among many models with the same price, we must choose models with relatively low rates.
3, driving: do not drive willfully, premium or 50% off.
"The best way to reduce the car insurance premium is to drive safely." The person in charge of property insurance said that you should not drive willfully in the future. For vehicles that haven't been out of danger for three or even five years in a row, the car insurance preferential margin given by property insurance companies may be larger, and it is possible to get a 50% discount or even lower rate. On the contrary, the auto insurance rate may increase substantially.
In the future, it is possible to link traffic violations with auto insurance rates. For example, running a red light and parking indiscriminately may affect the renewal price.
Warm reminder, don't be willful when driving in the future. First of all, you should strictly obey the traffic rules. Second, you should always drive safely. Car insurance rate reform may affect your car purchase.
The auto insurance reform is expected to be implemented nationwide 1 October 20 16 and 1. If the auto insurance expires before March 19, it can be renewed before June1year! Please insure as soon as possible according to the accident situation of your vehicle, so as to avoid paying more premiums after 1+0!