Risk inquiry and analysis, according to the medical examination results of the insured, photos of the insured vehicle, photos of the insured property before insurance and insurance demand, judge the risk level and determine whether it can be underwritten, determine the charging standard, write the underwriting scheme, review the insurance information, review the insurance contract and issue the insurance policy. When it is necessary to change the insurance policy, analyze the application for correction, determine the content of the correction form, and issue an approval form.
The insurer is responsible for every insurance contract. If there is a contract that violates the underwriting rules and causes great losses to the company, it will bear more serious responsibilities. Must be experienced, careful, curious, understand the relevant information of all walks of life, and have certain knowledge of contract law, safety production law and medicine.
The main contents of underwriting:
Underwriting includes two aspects: pre-risk selection and post-risk selection.
(1) Pre-risk selection is based on the risk selection of the exhibition industry, further analyzing and reviewing the underwritten targets, and determining whether to accept underwriting and its conditions.
(1) Applicant qualification
The core of the qualification examination of the insured is to confirm that the insured has insurable interests in the subject matter of insurance, and the auto insurance business is mainly completed by checking the driving license.
② Basic information of the insured or the insured.
The basic information of the applicant or the insured is mainly aimed at the fleet business. By understanding the nature of the enterprise, whether there is a safety management department, operation mode, main operation lines, etc., the insurance company analyzes the technology and experience of the applicant or the insured in vehicle management, finds out the possible operational risks in time, takes necessary measures to reduce and control the risks, and realizes scientific management.
(3) the credibility of the applicant or the insured.
In recent years, there have been a lot of insurance frauds in the field of auto insurance. Some lawless elements use fictitious insurance interests to create insurance accidents, forge accident scenes, expand accident losses and engage in fraudulent activities. Therefore, the investigation and evaluation of the insured or the reputation of the insured has gradually become one of the important contents of automobile insurance underwriting.
An important means to evaluate the reputation of the insured or the insured is to know their past losses and compensation. Those who frequently change insurance companies without reasonable reasons often have moral hazard.
④ Subject matter insured
As far as possible, the insured vehicles are insured by "vehicle inspection", that is, the actual inspection of vehicles is carried out, including understanding the use and management of vehicles, copying the driving license, purchasing the tax payment certificate of vehicles, wiping the engine and frame number, taking photos of some high-end vehicles and establishing vehicle files.
⑤ Insurance amount
The determination of insurance amount involves the interests of the insurance company and the insured, and is often the focus of dispute between the two parties, so the determination of insurance amount is an important content in automobile insurance underwriting.
⑥ Premium
The audit of insurance premium by underwriting personnel is mainly the audit of rate application and insurance premium calculation.
⑦ Additional clauses
Basic insurance and standard clauses provide protection for automobile risks, but individuals have their own characteristics as a kind of risk. A perfect insurance scheme should not only solve the problem of sex, but also solve the personality problem, that is, the additional insurance clause applies to the personality problem of risk. Because particularity often means high risks, we should pay more attention to the special evaluation and analysis of risks in the application of additional clauses, and carefully accept and formulate conditions.
(2) Post-event risk selection is to exclude the subject matter insured from the scope of insurable risks, such as not renewing the insurance after the expiration of the insurance contract; To terminate the insurance contract without paying the insurance premium; Termination of fraudulent insurance contracts, etc.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.