Commercial vehicle insurance second fee change curtain

The secondary fee reform for commercial vehicle insurance has been rolled out nationwide. As of July 27, the new auto insurance clauses and rate plans for 36 property and casualty insurance companies have been formally approved. In the area of ​​the Shenzhen Insurance Regulatory Bureau, property and casualty companies can apply for the development of self-nuclear insurance factor and independent channel coefficient rate adjustment programs within the range of 0.70 to 1.25. Since the lower limit of both coefficients has been lowered, premiums for Shenzhen owners who have good driving habits and less risk will be more favorable.

● "Good car owners" can pay 13% less premium

From a nationwide perspective, the independent underwriting factor and the independent channel coefficient are respectively lowered by the “double 85”. According to the adequacy of market rates, the degree of reduction in different regions is different. Shenzhen Insurance Regulatory Commission implemented the “Double 70” program in its area of ​​jurisdiction, ie, the autonomous insurance factor and the independent channel coefficient were adjusted to 0.70-1.15 and 0.70-1.25.

The relevant person of the automobile insurance business management department of the Pacific Property Insurance Shenzhen Branch told the reporter that the discounts for the second fee reform were mainly based on the non-reimbursement preferential treatment coefficient, the autonomous verification factor, the independent channel factor, and the traffic illegality coefficient, among which the vehicle benchmark premium was The vehicle type determines that the non-reimbursement preferential treatment coefficient is determined by the number of vehicle claims, and the more the number of claims, the greater the increase in automobile insurance premiums in the coming year.

"This fee reform lowers the lower limit of autonomous verification factor and independent channel coefficient. For owners who have good driving habits and no risk record, premiums have fallen by about 13% compared to the previous period." He did not risk for one consecutive three years without traffic. For example, the owners of the illegal conditions, the discount before the second fee change is 3.375%, and the discount after the second fee change is 2.94%, and the premium is down 12.89% from the previous period.

● Insurance companies will provide better services

The reporter learned that in order to allow citizens to obtain lower premium prices and enjoy quality services in the secondary fee reform, Shenzhen insurance companies have continuously innovated in the reform of the New Deal.

In addition to launching innovative services such as WeChat self-checking and compensation for human injuries, Pacific Life Insurance pioneered the launch of the Golden Key worry-free claims service in the industry. Insured owners can enjoy the delivery of accident vehicles, free transport of the same level, car rental vouchers, etc. Services to solve vehicle-free and time-consuming pain points; Ping An Property & Casualty Insurance upgraded the pricing model, introduced artificial intelligence and other technologies to optimize insurance processes and analyze consumer demand, and set up innovative product development teams to target diverse vehicle scenarios. Risk requirements Develop different categories of insurance products.

Industry insiders point out that the second-tier fee reform has led many insurance companies to usher in new development opportunities. “After the secondary fee reform, Shenzhen P&C Insurance Company’s auto pricing rights for commercial vehicles have been further expanded, and the lower limit of the floating coefficient of commercial auto insurance rates has been lowered. This is Shenzhen’s first trial, and further reduces the level of commercial auto insurance rates through market-based measures. The results will benefit more consumers," said Pacific Life Insurance said.

He believes that for insurance companies, further liberalization of their own pricing power will effectively promote market competition. "Insurance companies will devote more energy to products and services and win market through innovation services."

● The more you violate the rules, the more expensive the premium is.

In the two-time fee reform rule, Beijing, Shenzhen, Jiangsu, and Shanghai have joined the traffic violation coefficient in four areas, and the number of violations by car owners will directly affect the pricing of commercial auto insurance premiums, and Shenzhen is the first to use traffic violations under the terms of the second fee reform. In the coefficient area, the owner needs to notice that “the more violations are, the more expensive the premium is”.

It is understood that the Shenzhen Traffic Illegal Floating Rate Coefficient is mainly related to seven violations, and the cumulative increase is no more than 50%. Among them, there are corresponding coefficient regulations for different traffic violations. For example, retrograde, retrograde driving, non-bypass traffic lights, speeding by more than 50%, drinking driving coefficient are all 1.1; unlicensed driving, accidental escape, driving drunkenness coefficient is 1.3.

"The number of violations is much higher. The auto insurance will increase immediately in the coming year. If there is no violation, the auto insurance will enjoy the highest discount in the coming year." Shenzhen Insurance Regulatory Commission official said that such a system design is conducive to the owners to develop good driving habits.

This reporter learned that many people who encounter small touches after driving on the road will be used to contact their insurance companies for the first time. However, there are auto insurance industry experts suggest that since the starting point of the fee reform is to regulate the driving habits of the owners, Under the premise of careful and careful driving, there will be a small amount of money for repairs. The premiums in the coming year will be able to offer a lot of money. “The more risk records, the lower the premium discount in the coming year. If it exceeds a certain number of times, it will not only be discounted, but will also automatically go up.” The person said that if the small accident was lost within a thousand dollars, the public did not need to report the risk and encountered a more serious situation. In the event of an accident, let the insurance company claim insurance claims.

The implementation of the new regulations will have a certain impact on the choice of commercial vehicle insurance products for vehicle owners. The person suggested that similar types of insurance such as scratch insurance and glass insurance are less necessary to purchase. "These types of insurance, even if they are paid in full, are only a few hundred thousand dollars, but they will take up dangerous times."