Recently, Ding Hui Insurance Brokerage Co., Ltd. has made industrial and commercial changes. The original shareholder Anhui Shengda Blasting Engineering Technology Co., Ltd. withdrew and added Anhui Weilai Data Technology Co., Ltd., which wholly owned the company. At the same time, the legal representative of Ding Hui Insurance Brokerage Co., Ltd. was changed from Sun Mu to Qu Yu, and all the senior managers were changed.
Why are new energy car companies so persistent and enthusiastic about insurance brokerage licenses?
New energy car companies have been "involved in risks"
Since the China Insurance Association officially issued the Exclusive Terms of Commercial Insurance for New Energy Vehicles (Trial) on February 4, 65438 last year, new energy vehicle companies have pressed the acceleration button to enter the insurance intermediary market.
On June+10, 5438, Weilai registered and established Weilai Insurance Brokerage Co., Ltd.; In March, BYD registered and established BYD Insurance Brokerage Co., Ltd.; In June, Chehejia Financial Technology (Jiangsu) Co., Ltd., a wholly-owned subsidiary of Li, wholly acquired 0/00% equity of national insurance intermediary insurance broker/KLOC, and changed its name to Beijing Ideal Insurance Broker Co., Ltd.; On June+10, 5438, the BMW insurance broker applied by BMW was officially registered in the industrial and commercial department with a registered capital of 50 million yuan.
According to the data of Tianyancha, Weilai Insurance Brokerage Co., Ltd. was established on June 5438+1October 65438+September with a registered capital of 50 million yuan and registered address in Hefei, Anhui Province. Its business scope includes insurance brokerage business, insurance agency business and insurance concurrent agency business.
According to the Measures for the Implementation of Administrative Licensing and Filing of Insurance Intermediaries, if a national insurance brokerage institution applies for insurance brokerage business, it shall be accepted and preliminarily examined by the industrial and commercial registration Banking Regulatory Bureau, and the CBRC shall decide; If a regional insurance brokerage institution applies for insurance brokerage business, it shall be accepted, examined and decided by the industrial and commercial registration Banking Regulatory Bureau.
Some insiders said that financial supervision is becoming stricter, local insurance brokerage licenses are basically suspended, and it is very difficult to apply for a national insurance brokerage license, which may make people who are eager to enter the market only choose "curve to save the country".
Recently, Ding Hui Insurance Brokerage Co., Ltd. has made industrial and commercial changes. Anhui Shanda Blasting Engineering Technology Co., Ltd., the original shareholder, withdrew, and Anhui Future Data Technology Co., Ltd. was newly added as a shareholder and wholly owned. At the same time, the legal representative of the company was changed from Sun Mu to Qu Yu, and all the senior executives were changed.
According to public information, Ding Hui Insurance Brokerage Co., Ltd. was established in May 2065438+2004 with a registered capital of 50 million yuan. Registered in Hefei, Anhui Province, it is one of the few national insurance brokerage companies in Anhui Province. Its business scope includes: drafting insurance plans, selecting insurers and handling insurance procedures for policyholders nationwide (except Hong Kong, Macao and Taiwan); Assist the insured or beneficiary in making claims; Reinsurance brokerage business; Provide customers with disaster prevention, loss prevention or risk assessment and risk management consulting services.
The logic behind the "risk-involved" of new energy automobile enterprises
When the traditional auto insurance tends to be saturated, the new energy auto insurance market is highly anticipated.
According to the data of China Reinsurance, except that the number of insured vehicles has slowed down in 2020, the premium growth rate of new energy vehicles in China has remained above 40% in recent years. In 20021year, the premium scale of new energy vehicles in China reached 35 billion yuan, a year-on-year increase of 56%.
Essence Securities predicts that in 2022, driven by the further growth of new car sales and the obvious rebound of average auto insurance premium, the annual new energy auto insurance premium scale is expected to reach 70.8 billion yuan, with a year-on-year increase of over 100%.
Taking PICC, a head insurance company in China, as an example, the data disclosed at the PICC performance conference in China showed that PICC P&C Insurance 202 1 underwrote 2.926 million new energy vehicles, an increase of 88% year-on-year; Premium income 1 19 1 100 million yuan, up 84% year-on-year; In the first three quarters of 2022, the underwriting volume was 3.037 million vehicles, and the premium income was 654.38+03.72 billion yuan.
It is worth mentioning that the contribution of new car insurance premiums accounts for nearly half of the new energy auto insurance premiums. Based on the data of China Banking Regulatory Commission, China Automobile Association and China Reinsurance, Essence Securities calculated that 47% of the 202 1 new energy auto insurance premium was contributed by new car insurance premium, which was largely due to the year-on-year growth of 202 1 new energy vehicle sales 157%, and the sales of traditional fuel vehicles even declined in the same period.
Compared with traditional fuel vehicles, new energy vehicles have higher accident rate and average compensation, resulting in higher average vehicle premium. Essence Securities believes that the impact of price reduction brought by the comprehensive reform of auto insurance has basically subsided, and the average premium of new energy vehicles will rise in 2022, mainly because the accident rate and average compensation will still rise in the short term. It is expected that the average premium of new energy vehicles will continue to rise in the next few years.
The industry generally believes that compared with traditional insurance companies, new energy car companies have obvious advantages in vehicle travel data, and it is easier to monitor the risk of users' car use behavior. If car companies set up insurance institutions, they can save risk management costs and intermediary costs. At the same time, we can strengthen the contact with users through insurance, thus expanding more comprehensive services and realizing closed-loop services.
Zhang Lei, founder and CEO of Cheche Technology, said that the sales and ownership of new pure electric vehicles in China will continue to increase, and there will be a huge blue ocean market in the next five years to 10. In this process, new energy auto insurance will become the entrance for the entire car enterprise to serve car owners. Taking auto insurance as the starting point of service can expand the related system of automobile ecological service.