Commercial auto insurance reform is in full swing!
Following the official announcement by the China Insurance Regulatory Commission on the launch of the commercial auto insurance reform pilot on February 3, on February 4, the China Insurance Industry Association (hereinafter referred to as the China Insurance Association) quickly acted: officially on the new commercial vehicle insurance model clause (hereinafter referred to as the “2014 model clause†》) and supporting documents for public comment. It is reported that the deadline for this round of essays is March 5.
A number of insiders pointed out that the move marked a major phased result in the reform of commercial auto insurance clauses that are of vital interest to hundreds of millions of car owners.
The "Daily Economic News" reporter was informed that compared with the current auto insurance clause, the "2014 Model Clause" made a number of major changes, after the controversial "high security and low compensation" in the society, "the car hit the family does not There are solutions to problems such as compensation. In addition, according to the arrangement of the China Insurance Regulatory Commission, a specific pilot program for auto insurance reform will be issued after the Spring Festival. The pilot scope includes Heilongjiang, Shandong, Chongqing, Guangxi, Shaanxi and Qingdao provinces and cities. It is expected that the pilot will be officially launched in May this year and will be pushed to the whole country according to the pilot situation.
However, it is worth noting that the China Insurance Association has only issued four model clauses including comprehensive commercial insurance for motor vehicles, special vehicles, motorcycles and tractors, and one-way vehicle insurance, and the more sensitive rate reform issues. The relevant information has not yet been released.
The reporter noted that on February 3, Liu Feng, director of the Insurance and Insurance Department of the China Insurance Regulatory Commission, said in response to the question of the car owner's most concerned (auto insurance premium) price, "the price of auto insurance will remain stable overall, but it does not mean that it is stable for all. According to the introduction, the purpose of the commercial auto insurance reform is to match the risk and the rate. After the reform, the commercial auto insurance price will be generally stable, and the low-risk car owners will enjoy more preferential rates.
A person who did not want to be named by an insurance company told the reporter of "Daily Economic News" that although there is only a big framework document, the overall idea is to price the model, and the rate will be completely in accordance with the corresponding risks. The situation is fixed. After the auto insurance reform, customers with a large number of insurances and large claims will have a larger rate of fluctuations, while most low-risk customers will enjoy more discounts.
The “Zero Ratio†report released by the China Insurance Association shows that the maintenance prices between different automobile brands and models are quite different. However, the current car damage insurance rate system lacks important vehicle risk factors. The auto insurance premium is only related to the number of seats, the age of the car, and the new car purchase price, and does not match the risk level of the vehicle.
According to the reporter's understanding, the "model pricing" model based on "zero ratio" is the main tone of this reform. After the reform, “car damage insurance†will be differentiated according to different models.
It is worth mentioning that in October 2014, China Insurance Association issued the “Model Standard Database†to the property insurance industry, which is the first standard database of automobile models in China's insurance industry. At present, the model database has covered 1915 brands and 160,000 models of 1895 automakers.
In addition, the above database information is not only highly consistent with the relevant announcements of the Ministry of Industry and Information Technology, the Ministry of Public Security, the General Administration of Customs and the General Administration of Quality Supervision, Inspection and Quarantine, but also covers the vehicle-specific data held by the insurance industry. The China Insurance Association said that the establishment of the standard database of automobile models has filled a gap in the field of standardized coding of automobile models in China, breaking through the bottleneck of the refined pricing of the insurance industry, marking the scientific and professional pricing of automobile insurance in China. An important step in the transformation.
For example, Mr. Wang, an actuary of an insurance company, said that for example, a 500,000 Audi and BMW, according to the current insurance rate rules, the premium is the same. However, if the model is priced, the premiums of the two vehicles may be different, and the vehicle premiums for the zero-to-high ratio may be higher. He believes that it is more reasonable to determine the premium according to the model.
Mr. Wang also told the reporter of "Daily Economic News" that the auto insurance rate will decline after the reform, but the premium will not have large fluctuations, and the overall situation is relatively stable.
In addition, a reluctant person who is close to the China Insurance Association also said that after the launch of the new rate reform, the auto insurance premiums of the owners will not fall sharply. Of course, there will not be a big increase, and the overall transition will be smoother. .
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