Q: So how do you define a good car owner?
A: A good car owner refers to a car owner with good driving habits and safety records. Beijing and Xiamen need to have no claims for five consecutive years, other areas have no claims for three consecutive years, and some areas also have requirements for traffic violations.
So, how to change the secondary fee?
According to the latest Notice on the Adjustment and Management of Commercial Auto Insurance Rates issued by the China Insurance Regulatory Commission, this adjustment is based on the actual situation in various regions of the country, and the lower limits of independent underwriting coefficient and independent channel coefficient rates are lowered.
The formula for calculating the discount coefficient of commercial insurance premium is: NCD coefficient (i.e. preferential treatment without indemnity) × independent underwriting coefficient × independent channel coefficient × traffic violation coefficient.
This adjustment is the independent underwriting coefficient and independent channel coefficient.
(1) Within the jurisdiction of Shenzhen Insurance Regulatory Bureau, the applicable scope of independent underwriting coefficient is [0.70, 1.25], and the applicable scope of independent channel coefficient is [0.70, 1.25].
(2) Within the jurisdiction of Henan Insurance Regulatory Bureau, the applicable scope of independent underwriting coefficient is [0.80, 1. 15], and the applicable scope of independent channel coefficient is [0.75, 1. 15].
(3) In Tianjin, Hebei, Fujian, Guangxi, Sichuan, Qinghai, Qingdao, Xiamen and other insurance regulatory bureaus, the applicable range of independent underwriting coefficient is [0.75, 1. 15], and the applicable range of independent channel coefficient is [0.75,1.1.
(4) In other parts of China, the scope of independent underwriting coefficient is [0.85, 1. 15], and the scope of independent channel coefficient is [0.75, 1. 15].
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.