The data shows that the average insurance premiums per order in the country and the Beijing area have dropped, but the car owner said that "the insurance premiums without insurance increased by 400 yuan."
One year after the comprehensive reform of commercial vehicles, why auto insurance was complained about price increases
In recent months, some car owners have reported that their auto insurance has increased by a few hundred to a thousand yuan when the insurance expires. Other car owners have reported that their car has not been out of danger for three consecutive years and they are still told that the premium has increased. The price is 400 yuan.
Some car owners questioned, could insurance companies quietly raise prices one year after the comprehensive reform of commercial vehicles?
Car owners questioned
Three-year non-insurance car insurance premiums rose by 400 yuan
According to the citizen Mr. Li, when he renewed his auto insurance in November, he discovered that the auto insurance premiums for cars that he hadn't gone out of danger within three years did not fall but increased.
At the end of 2021, when the premium was paid, Mr. Li's car damage insurance coverage was 144,000 yuan, which was nearly 25,000 yuan lower than the 169,000 yuan insured when he paid the premium at the end of 2020, but the premium he paid rose from 1,600 yuan to 2,000 yuan.
Regarding the reason for the increase in premiums, the salesman of the insurance company did not explain the reason, but only informed Mr. Li that the car owners who had renewed the insurance recently had a general increase in premiums.
Many car owners complained on the Internet, reflecting that car insurance premiums have risen from hundreds to thousands of yuan, and this year's car insurance is much more expensive than last year.
"Is it because the auto insurance comprehensive reform insurance companies from 2020 to 2021 did not make money in the first year, and the premiums will increase this year?" Some netizens speculated, "Is it because the heavy rain in Henan caused the auto insurance companies to pay huge amounts, and the insurance premiums will increase in order to not lose money? "
A reporter from the Beijing Youth Daily consulted several insurance companies on the phone, and they all said that they had to enter the license plate number and other information to give a quotation. They did not receive any information about price increases from the company.
Why is it not transparent when there is a prescribed quotation for pricing?
On September 19, 2020, the "Guiding Opinions on the Implementation of Comprehensive Auto Insurance Reform" issued by the China Banking and Insurance Regulatory Commission was formally implemented.
The guidance requires that the commercial insurance discount coefficient = non-compensation preferential treatment coefficient (NCD coefficient) × independent underwriting coefficient × independent channel coefficient × traffic violation coefficient.
Among them, the commercial auto insurance no-compensation preferential treatment coefficient will consider the scope of the compensation record to be expanded from the previous year to the first three years. For consumers who accidentally pay, the rate of increase will be reduced.
For car owners who have not been paid and have good driving habits, car insurance will receive more discounts the following year.
The car owner, Ms. Sun, suffered a situation where the commercial insurance premiums soared by nearly 1,500 yuan after an interval of only one month after five consecutive years of unsuccessful auto insurance.
She questioned that the car insurance pricing calculation method has strict regulations, but the specific quotation of each consumer is not transparent. Will there be big data to complete it?
She said that the price of the same car differed by 1492 yuan from the same company one month later.
When the auto insurance premium was not due, the staff of the insurance company sold the quotation. The price of the renewed commercial auto insurance was 4306 yuan, and the compulsory compulsory insurance was 610 yuan; after a month, when Ms. Sun was about to formally renew the insurance, she was told that she needed to re-enter the vehicle information. Waiting for the company's offer, the price of commercial auto insurance rose to 5798 yuan at this time, and the compulsory traffic insurance remained unchanged at 610 yuan.
Ms. Sun was very surprised. In this month, there were no traffic accidents, no accidents or traffic violations. What factors changed that caused the price of car insurance to increase?
The staff of the insurance company said that there are more than 70 coefficients that cause price changes, such as traffic violations, vehicle price changes, etc. When operating at the counter, only the license plate number and other information can be entered, and a quote can be directly given.
The system quotation has strict specifications and standards, but it will not explain in detail to the car owner which specific factor caused the increase in vehicle insurance premiums.
“Does traffic violations include factors such as forgetting to drive out and parking illegally? Or do they only include violations that affect driving safety, such as speeding, running red lights, and failing to follow the diversion line?” Regarding Ms. Sun’s question, the insurance company’s staff Explained: “As long as the tickets for traffic violations are counted, it will affect the premiums of commercial auto insurance.”
In addition, employees of the insurance company added that sometimes the company will have additional promotional offers and other activities, these are limited-time activities, expired can not participate.
Comprehensive reform of auto insurance
Allow thousands of people and thousands of insurance records to be traced back to the previous three years
According to the "Guiding Opinions on the Implementation of the Comprehensive Reform of Auto Insurance" issued by the China Banking and Insurance Regulatory Commission in September 2020, after the implementation of the auto insurance reform, the main insurance of car damage insurance has increased the insurance liabilities such as the theft of motor vehicles and separate glass breakage.
Commercial auto insurance's no-compensation preference coefficient takes into account the scope of compensation records to expand from the previous year to the previous three years.
Relevant industry insiders pointed out that the auto insurance reform is a structural reform, and the requirement is an overall reduction in insurance premiums, not all models and all car owners have reduced auto insurance prices.
After the comprehensive reform of auto insurance, "thousand people, one thousand orders" are allowed, giving insurance companies more independent pricing power, and each individual's risk status, driving situation, driving habits, claim records, driving experience, directly and the next year's rate Linkage, matching the rate with the risk, this is the most reasonable state.
The average premium of Beijing's commercial auto insurance policies dropped by 20% in the first three quarters
It is reported that in September 2020, after the implementation of the comprehensive reform of commercial auto insurance, the reform goal is to "cut prices, increase insurance, and improve quality."
According to data disclosed by the China Banking and Insurance Regulatory Commission, the national auto insurance premium income for the first nine months of 2021 was 562.2 billion yuan, a year-on-year decrease of 58.6 billion yuan and a year-on-year decrease of 9.44%.
In a single month in September, auto insurance premium income was 67.2 billion yuan, a year-on-year decrease of 9.8%.
Statistics show that in the first three quarters of this year, the average premium for commercial auto insurance policies in Beijing was 2861.3 yuan, a 20% drop from before the reform. That is, Beijing car owners spent an average of 715 yuan less on commercial auto insurance.
The average insured amount of the commercial three-tier insurance was 1.263 million yuan, an increase of 402,000 yuan from before the reform; the traffic compulsory insurance increased the insurance amount from 122,000 yuan to 200,000 yuan on the basis of the same premium price; the insurance liability for vehicle theft and water wading was increased Included in the scope of protection, compensation expenditures increased by 11% year-on-year.
Dispel doubts in the industry
The price increase is sensitive, causing the illusion of "general price increase in auto insurance"
Official statistics show that after the comprehensive reform of auto insurance, the average insurance premiums of the country and the Beijing area have dropped. Why do some car owners raise the price of their auto insurance? What is the reason?
An insurance industry insider said that first of all, from the perspective of the auto insurance industry, the price after the reform last year was the "floor price", which does not rule out that some insurers have re-adjusted their independent pricing coefficients; secondly, the changes in auto insurance prices follow the past year The loss ratio is related to factors such as market repair parts and labor hour price changes of the model. There may also be corresponding premium pricing adjustments.
For example, some cars have been discontinued, accessories are not easy to buy, and repairs are more expensive than before. The car insurance pricing of this model may increase.
In addition, the vast majority of car owners who have reduced the price of auto insurance feel the benefit. For example, some consumers have not been out of insurance in the past one to three years, or the car model is a popular vehicle, and the auto insurance premium has been reduced; while a few car owners who have increased the price of auto insurance will It is more sensitive and complains more, causing some cognitive illusions that "auto insurance generally increases in price".
Experts in the industry also suggest that after the auto insurance reform, insurance companies will more accurately set prices for target customers, but the pricing theories and factors will be different. It is recommended that car owners “shop around” when choosing insurance, and do so after inquiring one by one. choose.
Text/Reporter Lin Lishuang