After the auto insurance reform, the premium has dropped?

The coverage of compulsory traffic insurance has been greatly increased.

　　Very Test of 147

　　After a series of warm-ups, the new comprehensive reform of auto insurance has been implemented.

The reporter learned that if a road traffic accident occurs after 0:00 on September 19, 2020, the new and old compulsory traffic insurance policies will be implemented in accordance with the new liability limit.

For new auto insurance, there are various forecasts, analyses and reports.

It is generally believed that after the rate adjustment, the benchmark pure premium level of commercial auto insurance has dropped by 40%, and the signing premium has dropped by 14%.

At the same time, the 15% to 30% discounts originally provided by insurance companies continue to be implemented.

Add up, personal car insurance participation fees can be reduced by more than 50%.

Whether this is the case, the reporter calculated.

　　Text/Picture: Zhou Weili, All Media Reporter, Guangzhou Daily

　　The new auto insurance system is online

　　The reporter logged into the APP of well-known domestic insurance companies such as Ping An and entered the "auto insurance platform" to make a quote.

After carefully comparing the insurance types and the insured amount, I found that the new auto insurance system has been launched.

The most obvious change is that in commercial insurance, the upper limit of the insurance coverage of the three insurance has been raised to 10 million yuan, which was 5 million yuan before.

In the auto insurance clause, the insurance company also used a clear table to indicate the changes before and after the reform.

　　Taking compulsory traffic insurance as an example, the total liability limit of compulsory traffic insurance has been increased from 122,000 yuan to 200,000 yuan.

Among them, the compensation limit for death and disability was increased from 110,000 yuan to 180,000 yuan, the limit for medical expenses compensation was increased from 10,000 yuan to 18,000 yuan, and the property loss compensation limit remained unchanged at 2,000 yuan.

The non-liability compensation limit was adjusted in the same proportion, the death and disability compensation limit was increased from 11,000 yuan to 18,000 yuan, the medical expenses compensation limit was increased from 1,000 yuan to 1,800 yuan, and the property damage compensation limit remained unchanged at 100 yuan.

　　In the commercial insurance sector, vehicle damage insurance liability has been further expanded to cover all motor vehicle theft, broken glass alone, spontaneous combustion, engine wading, excluding deductibles, and inability to find third-party special insurance liabilities.

At the same time, after the reforms, the accident liability deductible was cancelled, and controversial deductible clauses such as earthquakes and secondary disasters were deleted.

More critically, additional insurances have been added after the reform, such as additional wheel loss insurance, and additional medical insurance liability insurance for external use of drugs.

　　In summary, this auto insurance reform has increased insurance liability, and the expression of auto insurance clauses has become more concise and clear, and clauses that are prone to disputes have been deleted.

An auto insurance salesman told reporters that they have been working overtime since early September.

On the one hand, be familiar with the new auto insurance system to avoid mistakes; on the other hand, learn the new regulations and keep in mind the differences before and after the reform.

"We internally believe that new auto insurance can better perform the social functions and roles of auto insurance."

　　Compulsory traffic insurance premiums rose slightly, commercial insurance premiums fell

　　The reporter purchased insurance for a 10-year-old vehicle through the mobile phone APP.

In the past year, there have been no traffic accidents and no violations of regulations.

Therefore, there are no factors that affect the insurance rate.

　　In 2019, after the compulsory traffic insurance system is calculated, the compulsory traffic insurance fee to be paid is 665 yuan.

In the new system, the calculated cost of compulsory traffic insurance is 855 yuan-an increase of 190 yuan.

In 2019, the car purchases 2 million yuan of three insurance, and needs to pay 1883 yuan in insurance premiums.

In the new system, the three insurances are also 2 million yuan, but only a premium of 587.83 yuan is required.

In 2019, because there is no continuous purchase of car damage insurance, the car needs to buy car damage insurance and needs to "check the car."

But in the new system, the reporter noticed that car damage insurance can be purchased, and there are related quotations.

　　After simple calculation, the same is the purchase of "traffic compulsory insurance + 2 million yuan insurance". Before the reform, the cost to be paid was 2548 yuan.

After the reform, users need to pay a fee of 1442 yuan-a difference of 1106 yuan between the two.

However, before buying commercial insurance there was a relatively large discount.

Take the two-million-yuan three-of-a-kind insurance purchased by the car as an example, it can be discounted at 6.8%.

After the reform, whether the three insurances still have such substantial discounts remains to be verified.

But even after the reform, the discount rate of commercial insurance is reduced, or even not, the overall expenditure of consumers on insurance premiums is reduced-this can be confirmed.

　　Data shows that in 2019, the industry underwritten a total of 280 million vehicles, with a premium income of 818.8 billion yuan, and auto insurance accounted for 63% of the property insurance business.

An insurance company told reporters that after the implementation of the new auto insurance, they internally estimated that the insurance premium for family cars might fall by about 40%, and the premium for commercial vehicles might fall by about 20%.

The drop in premiums is not at the expense of reducing insurance liability.

On the contrary, insurance liability has increased.

"The pain is only for the insurance company, and profits may be greatly reduced."

　　summary

　　Compulsory traffic insurance must be bought, this is undoubtedly, commercial insurance can be chosen.

The substantial reduction in commercial insurance premiums is good news for car owners.

In the interview, many people in the insurance industry believed that car owners used to reduce the number of types of commercial insurance purchased to save money; now it is not necessary to buy more types of insurance, and the amount of insurance can be higher.

Take the three types of insurance as an example, 1 million yuan is obviously not enough, at least 2 million yuan, or even 5 million yuan.

When the car is driving on the road, any accident can happen.

In the past, if you crash into a tens of millions of luxury cars, you may be "bankrupted" by compensation because insurance cannot provide such a high amount.

Now the three insurances can cover up to 10 million yuan. If you hit a luxury car, you don't have to worry about bankruptcy, you can take insurance.