Recently, the Chinese insurance industry associations develop a new version of "commercial motor vehicle insurance terms and conditions" (hereinafter referred to as "the auto insurance industry terms") has formally approved, will be April 1, 2007 from the official opening. After adjusting the terms of the new auto insurance industry is still for A, B, C three sets, the scope of protection, the rate structure, the level of rates and the rate adjustment factor basically the same.
The relative chaos of the original vehicle insurance is about to enter the competitive situation "unifying" the era of the same price, consumers how to choose auto insurance? »
New product prices Youshengyoujiang
Tend to reunification
It is understood that the new version of industry products to further expand the coverage of the insurance cover the loss of vehicles, three commercial insurance, liability insurance personnel on board, Daoqiang Xian, excluding special risk Mianpei Shuai, broken glass separate insurance, risk and loss of body scratches Contributing optional deductible insurance, and other types of eight.
According to informed sources in the industry, at present, various companies have completed the industry products, other choice. A choice of the people over, the Chinese joint, land, Cheonan, Wing On, Ampang, China and Thailand, and the sun, such as 11, the market share of approximately 75% of the Option B is safe, Huaan, Taiping, Wing-sun agriculture , And other states, the market share of about 14 percent of Option C, a Taibao, the Bank of insurance, the market share of about 11%.
Prices of the vast number of issues of common concern to the owners. China's PICC Property Insurance Beijing branch of the motor-related official said, the 2006 version in terms of commercial vehicle insurance, Chesun Xian, the three main risk insurance industry practice uniform ABC terms, basically the same price, and additional insurance from various insurance The development of their respective companies pricing; new version of the 2007 articles of the eight major types of implementation of the industry ABC reunification, the rate structure, the level of rates and the rate adjustment factor the entire industry basically the same. Overall, the new product price and the original price level basically the same, but different from the original company for each additional insurance products rates need to adjust to the industry standards, various companies in different types, different models and different customer base The rate on Youshengyouxiang, a minor adjustment.
In rates, the new version of A, vehicle insurance, fully consistent with the old. The old version, A, the three commercial risk profile of the 200,000 yuan to 1,334 yuan rate, the new version, is 1,334 yuan, Che Sunxian also so.
In the new section B, the older version of auto insurance rates lower overall. Version B of the old commercial insurance among the stalls of 200,000 yuan to 1,376 yuan rate, the new version, has become a 1,334 yuan, cheaper than the old version of vehicle insurance 42 yuan.
With the two different, C, the price of auto insurance is mixed, that is a comprehensive three-risk insurance prices, and Jusun Xian is the full price hikes. Overall, C, commercial vehicle insurance more expensive than last year, also in your other two. 200,000 yuan to the family car (new vehicles, the purchase of 20 million in the three commercial insurance, 20 million Chesun Xian) to do that as an example: If horizontal comparison, the same year, commercial vehicle insurance to buy C, 4 On a future premiums paid for 4,714 yuan last year, compared with 4,601 yuan, 113 yuan more expensive; vertical comparison, this year the purchase of A, B, commercial vehicle insurance premiums paid for 4,600 yuan, and C, auto insurance bill Premiums for 4,714 yuan, C, than the other two of your 114 yuan.
Starting next month the implementation of the new motor to unify all the insurance companies the premium change: the vehicle insured, on average less than 30,000 kilometers of a 10% premium; no traffic offence last year, a 10% premium; designated A driver 10%; female pilots receive an additional 9.5% discount. A year on 50,000 kilometers above the premium to increase 1-3 percent; belong to the old, old, new, special vehicles, premiums rose 3 percent until doubled.
Dao Qiangxian upgrading of the main risk
Floating rate is not significant
Dao Qiangxian alone can insure the new 2007 auto insurance industry is a major highlight of the terms. Consumers in determining the composition of another insurance policy holders a choice. 2006 version of Commercial Vehicle Insurance (A, B, C) in, A, Daoqiang Xian for the additional insurance, and B, C Daoqiang Xian in two commercial vehicle insurance can be purchased separately. The 2007 version of the commercial vehicle insurance, Daoqiang Xian and officers liability insurance are on board in the 2007 version of vehicle insurance in the "promotion" level, the upgrading of the main risk.
It is understood that the rates under the new terms, the value of 100,000 yuan a separate vehicle insurance premiums Dao Qiangxian standards for 650 yuan, the calculation of the rate concessions, only to spend Wu Liubai yuan to the insured.
"Because of the risk of adverse selection, Dao Qiangxian separate insurance will be higher risk, but the Daoqiang Xian as the main danger after the rate has not significantly compared with the original floating, in particular the People's Insurance Daoqiang Xian family car standard rate The average level also dropped by 2 percent. "PICC at the North said Dao Qiangxian separate insurance risk management of insurance companies have set higher requirements, will cover part of the scientific management, risk prevention services, not to increase consumer protection and insurance Fee costs.
Customization of the additional risk each company has been a major auto insurance product characteristics. It is understood that with April 1 the new basic insurance industry the introduction of people-the original characteristics of the additional risk for further optimization. In addition to a unified industry products, consumer demand for the development of several new additional insurance products, the new security features were also additional risk will be the recent appearance. April 1, the auto insurance industry in addition to the provisions of the eight major types, consumers will have more people-personalized product choice.
With the price of the times
Consumers how to choose insurance companies
In 2007 the introduction of auto insurance industry terms, making 8 of the common types of products, basically the same price. The future, insurance companies, the management level and service level of market competition will become the key and the main theme.
"Clause after reunification, the owners of the insured worry more. Types of the same name will be the same protection to ensure that the interests of policyholders." Insurance experts said, regulators and the fundamental intent is to "make unity" to resolve auto insurance price war Problems and vehicle insurance from the disorderly competition into orderly competition. It is learnt that some areas in the country Anzhe auto insurance premiums, the proportion of dark deduction of 40 per cent of the total premium.
As various insurance companies operating strategy, distribution networks, financial strength, underwriting volume, and so the difference will produce auto insurance in underwriting, claims the difference in services, while individual companies will have some personalized services. Therefore, the price of auto insurance with the times, consumers also need to carefully choose. Experts recommend that consumers in the choice of insurance companies, insurance companies inspected credibility as far as possible, the scale of outlets, claims services and other factors, rational purchase.
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