Different insurance companies are like different restaurants, although the dishes are similar, but the service attitude, taste and price are still different, so we made a comparative evaluation of the most mainstream PICC, Ping An and Pacific Ocean.
Because compulsory insurance is compulsory and the price is open and transparent, this comparison is only for commercial insurance.
The first thing to compare is the price. Suppose the new car is insured for the first time and the purchase price is 200,000 yuan. The insured items include: vehicle loss insurance, third party liability insurance (200,000 yuan), vehicle theft and emergency rescue, vehicle personnel insurance (driver+passenger) 65,438+/kloc-0,000 yuan/seat, glass breakage insurance (domestic glass), scratch insurance (2,000 yuan) and various non-deductible amounts (deductibles). According to the online meter of various insurance companies, the specific information is as follows:
Insurance/Company PICC Auto Insurance Ping An Auto Insurance Pacific Auto Insurance
The total premium is 6800 5838. 12 5839.
Insurance type/company
Picc auto insurance
Ping' an auto insurance
Pacific auto insurance company
Total premium
6800
5838. 12
5839
Therefore, from the price point of view, PICC is relatively expensive, while the prices of Ping An and Pacific are basically the same.
The second point is the insurance clause. The China Insurance Regulatory Commission has formulated insurance clauses in a unified way, but it has also divided them into three categories: A, B and C. At present, PICC uses a relatively consumer-friendly category A, Ping An is a relatively second category B, and the Pacific uses a relatively poor category C. ..
Service experience is actually a subjective feeling, and it will also be influenced by different sales and claims personnel, but overall, PICC has the advantages of more outlets and higher experience; Pacific adopts online claims, which is faster; Ping An, on the other hand, handles it quickly, and the audit is relatively strict, and each of them has its own advantages.
The difficulty in settling claims has always been the core of customer complaints, and the time from getting out of danger to the end of settlement is a concern of everyone who buys auto insurance. We collected the written promises of the three major insurance companies on the speed of claims settlement:
Picc Auto Insurance Ping 'an Auto Insurance Pacific Auto Insurance
Case speed claims 1 less than 10,000 yuan 1 hour notice to pay first, 1 less than 10,000 yuan to repair the car, claim compensation, 3 days to the account network to pay claims quickly 1 less than 10,000 yuan, one working day to pay quickly.
Picc auto insurance
Ping' an auto insurance
Pacific auto insurance company
Jisu claim
65438+ 0-hour notice of compensation for cases below 10,000 yuan.
Pay first, then repair the car.
/kloc-less than 0/10,000 yuan, pay within 3 days after reporting the case.
Network quick settlement of claims
10,000 yuan, which will be paid soon in one working day.
The speed of PICC is relatively fast, and there is still little difference between Ping An and the Pacific Ocean.
The three major insurance companies also provide some claims settlement services. At the same time, Ping An can provide a scooter for the owner free of charge during the maintenance period, while Pacific Auto Insurance can reimburse the taxi fare within 3 days of maintenance.
Picc Auto Insurance Ping 'an Auto Insurance Pacific Auto Insurance
The nationwide free rescue service for faulty vehicles is provided by electronic surveyors at10,000 outlets. For personal injury cases and pure car damage cases, Sihaitong launched the "three-hearted" personal injury case service of "intimate online, worry-free mediation, peace of mind to settle claims" and "on-site collection of claims data", providing auto insurance customers with "7×24 hours 100 km" free road rescue, 3G zero-document survey and damage determination, and one-on-one service.
Picc auto insurance
Ping' an auto insurance
Pacific auto insurance company
National free rescue service for faulty vehicles
Electronic surveyor service
Ten thousand outlets, popularization.
For personal injury cases and pure car damage cases, the "three-hearted" personal injury case service of "intimate online, worry-free mediation and peace of mind settlement" was launched respectively.
"Stay at home, pay at home" door-to-door service
Provide "7×24 hours 100 km" free road rescue for auto insurance customers.
3G Zero Document Investigation and Loss Determination
Free road rescue
Automobile insurance injury one-to-one service
At the same time, in daily life, insurance companies can also provide "non-accident road rescue services" for car owners, which can usually include emergency power connection, emergency water filling, tire replacement, on-site emergency repair, trailer towing, hoisting and rescue services. Relatively high service experience.
Finally, to sum up, PICC car insurance costs are relatively high, but insurance regulations are more comprehensive and claims are faster. Ping An Auto Insurance has a good online sales and telephone sales platform, focusing on user experience and attracting a large number of young car owners. Pacific auto insurance seems to be low-cost, and it has made great efforts in service. If you are mostly in complex road conditions and have poor driving skills, it is recommended to choose PICC auto insurance. If you like the networked platform and expect efficient and caring service, Ping An Auto Insurance and Pacific Auto Insurance are good choices.