Comprehensive auto insurance reform is coming, and now after the reform buy or buy?
 Xinhua News Agency, Beijing, September 16 – Questions: comprehensive auto insurance reform is coming, and now after the reform buy or buy? Xinhua News Agency reporter Tan Moxiao "Tips, 19th of this month all insurance companies rate reform, the rebate could not, due to hurry to find my auto insurance quotes give you maximum discount.
"September 19 near comprehensive auto insurance reform implementation node, many owners received a renewal of auto insurance sales staff urged the phone." After the reform auto insurance is not cheaper, better service you, why let me now pay close attention to renew it? "At the same owners who want to know more puzzled expression, in the end is more appropriate to buy now or buy after the reform.
Reporters interviewed people in the industry. Auto insurance marketing the "routine" In recent years, my country’s auto insurance market artificially high prices, lack of security, operating an extensive, competitive disorder and other illnesses prominent suffering consumer criticism.
This auto insurance reform is a comprehensive reform, with "price reduction, improving, improvement" as a goal, covering traffic insurance and business auto insurance, terms and rates, products and services, and directly refers to the chaos of the auto insurance market. 2015, 2017, conducted two areas of commercial auto insurance rate reform.
Every time I close the reform, there are some insurance companies or intermediary salespersons to use consumers to worry about the psychological and misinterpretation policies of premiums, and often achieve the purpose of signing the signature through sales misleading. Insurance auto insurance has long been the largest area of ??business, intense competition, highly dependent on intermediaries.
According to the ID data of the Bank of China, in 2019, my country’s auto insurance covered motor vehicles, the premium income was 818.9 billion yuan, accounting for 63% of the insurance premium. Since the auto insurance products are homogeneous, some insurance companies have attracted consumers from cash backpoints, giving a refueling card, a vehicle maintenance service. In this regard, the owners are not strange. A business person who has long been engaged in auto insurance has unveil the door behind the renewal insurance: "If the reform car insurance premium offer is 5,000 yuan, the insurance company is actually intended to collect 3,000 yuan, 2000 yuan is the cost of the intermediary sales staff, intermediary sales staff For the performance, the customer will return 1,000 yuan, the customer’s actual premium is 4,000 yuan. Reform will invert the car insurance industry to strengthen cost management, ‘to intermediarize’ acceleration, insurance company directly with customers, give 4,000 yuan price, and Provide value-added services; customers who have a good record of driving safety, the price given by the insurance company will be lower.
Obviously, the ‘interest’ of the intermediary sales staff is dropped by ‘taking’, so it will be anxious. "After the integrated insurance insurance is in time, the level of payment of insurance insurance will increase sharply, and the total liability limit is increased from 10,000 yuan, of which death disability compensation is 上海外卖服务自带工作室靠谱 raised from 110,000 yuan to 180,000 yuan, medical expenses compensation The limits increase from 10,000 yuan to 10,000 yuan.
At the same time, the regulatory authorities will also combine the level of integrated payment rate in various regions, introducing regional floating factors in the rate adjustment factor of road traffic accidents, and the rate of the owner of the loss has increased from 30% to 50%. For owners with good driving habits and safety records, the intensity insurance will be cheaper. Taking a five ordinary household cars as an example, the first year of traffic insurance premium is 950 yuan, and the second-year premium can be up to 665 yuan in the case of no payment.
After this reform, you can offer up to 475 yuan. Industry insiders said that in danger is the national statutory compulsory 上海有情调的喝茶地方 insurance, and the motor vehicle must be insured.
Although the promotion of the reform of the reform has become bigger, if the exchange of owners has expired before the implementation of the reform, or the new car bought to travel before the reform, it must be insured in time and renew the insurance.
In the case of reform, the owner of the insurance, the owner of the intersection, and the risk is still guaranteed. The person in charge of the relevant departments of the Microstruance Regulatory Commission said that the road traffic accident occurred, and the new and old insurance policy in accordance with the new liability limit after zero. Reform After the reform of the vehicle, the safeguards scope expands the current market in the current market, including the two major parts of the main insurance and 上海水磨干磨服务 additional insurance.
The main insurance can be insured separately, and the additional insurance is voluntarily selected by consumers according to their actual situation.
After the comprehensive reform of auto insurance, the vehicle loss risk main insurance terms increased insurance liability for motor vehicles to steal, glass alone, self-combustion, engine wading, and engine water-related water. Simply, the guarantee range of the car damage is expanded, expanding the above insurance liability, these insurance liabilities are attached to additional insurance, all incorporating all in the main insurance after reform. The reform also deleted the disclaimer of claims in practice, such as earthquakes and their subcontractic disasters. At this time, my country’s auto insurance products basically cover the risks of major earthquakes, typhoons and floods.
Sun Jianping, Chairman and CEO of Ping An Insurance, believes that reform measures have fully considered consumers’ risks and pains faced by consumers, delete responsibility exemption, expand insurance responsibility, and strive to fully safeguard, better meet consumers multi-level , Diverse risk protection requirements.
Whether the guarantee range is expanded, whether the corresponding premium will "high boat boat"? The supervisory department gave everyone a "fixed heart pill".
The person in charge of the relevant departments of the SPAC said that the reform will set the additional cost rate limit of the business car insurance product by 35% down to 25%. The expected payment rate increases from 65% to 75%. The reform of the business car insurance benchmark premium will drop sharply. It is expected that the actual signing premium premium of consumers will also decline. The person in charge stated that the Bank of China will strengthen the monitoring of the auto insurance market, seriously investigate and punish violations of laws and regulations, and ensure that the market is stable in the future before and after reform.
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