来源： 苏州苏派汽车租赁有限公司 Date: October 17, 2016 Source: Suzhou Supai Car Leasing Co., Ltd.
Jiangsu auto insurance premiums will be rescheduled at 24:00 on June 17th (00:00 on the 18th). If the insurance expires before July 28th, and if there is a case or violation of regulations in the previous year, you can quickly renew the insurance in advance to avoid unnecessary increase of premiums. . If you try to buy it later without changing the risk, it will be even lower!
What has changed in the commercial auto insurance reform?
1. Improve clauses and expand insurance coverage
After the reform, the content of commercial vehicle clauses was more reasonable, and more than a dozen of the exclusion clauses in the original clauses were deleted, and the scope of insurance liability was expanded: the exclusion clauses, motor vehicle loss insurance and third party liability insurance clauses, and the liability of personnel on board Additional risks such as insurance clauses and theft-robbery insurance clauses have been adjusted more reasonably.
2. Adjust the rate and optimize the rate formation mechanism
The question that everyone cares most about: After the auto insurance reform, is insurance premium going up or down?
Previous auto insurance price = (vehicle price × rate + basic premium) × adjustment factor
New premium price = [baseline pure risk premium ÷ (1-additional expense ratio)] × rate adjustment factor
Maybe you don't understand
One sentence to explain is
Future car insurance has a lot to do with the little friends who drive
"Less risks and less money. More risks and more money !!"
In the new plan:
Out of insurance twice a year, premiums increased by 25%
Three times a year, premiums increase by 50%
Risks 4 times a year, premiums up 75%
Over 5 times a year, double the premium
And the good news is ↓↓↓
The new car did not take out risks in the previous year, and enjoy 15% discount on premiums
No risk for 2 consecutive years, 30% discount on premiums
No risk for 3 consecutive years, 40% discount on premiums
The rate adjustment factor has been improved. The rate adjustment coefficient was reduced from 14 before the reform to four. The rate adjustment coefficient after the reform = no compensation preferential treatment coefficient × traffic violation record coefficient × independent underwriting coefficient × channel coefficient.
Moreover, the floating range of traffic violation coefficients has expanded. The traffic violation coefficient was adjusted from 0.9-1.0 to 0.9-1.5. Before the reform, there was no distinction between the types of violations. After the reform, different types of traffic violations were detailed. For example, if you drive a motor vehicle once or more after drinking, the premium will increase by 10%. Above, premiums increased by 30%, etc.
Traffic violations later
Will also affect premiums
Hurry up and train your car !!!
3. Strengthen service and improve industry service level
Another highlight of the commercial vehicle reform is that the claim information is more simplified. The new version of the article cleans up the claim information. Insurance companies must not require consumers to provide unreasonable and unnecessary claim information in practice.
For example, in the case of a car damage insurance claim, a copy of the operating permit or road transport permit is reduced. When claiming theft and rescue, it is no longer necessary to provide a copy of the driver's license, a true copy of the driving license, a copy of the insured's ID card, a copy of the road transport license or operation license, and a full set of original car keys.
And in some cases
The insurance company did not pay before, but now it is going to pay
1Compensation for accidents when new cars are not licensed
As long as the new car is insured by the insurance company for car damage insurance and does not include deductible insurance, even if a traffic accident occurs while driving a vehicle that is not yet licensed, the insurance company can pay within the scope of the car damage insurance liability.
However, this situation does not include the situation that the insured motor vehicle has a driving license, the number plate has been cancelled, or has not been inspected or failed in accordance with regulations. This situation is an exemption from liability for car damage insurance, and the insurance company will not pay. .
2I hit my own
Accidents under the car of the insured or driver's family can be paid under third party liability insurance. Driving into your own family is also covered.
At the same time, the new provisions stipulate that if an insured accident is caused by a third party's damage to the insured motor vehicle, the insurer shall actively assist the insurer in claiming against the third party, and the insured may also claim directly from the insurance company.
3 Rearview mirrors and lights can be compensated separately
"Single damage to the mirror and lights" is directly included in the main insurance liability. In addition, there are additional liability insurances such as "coach car special contract", "hire car rental missing", "legal fees", and "car cargo drop", all of which are directly included in the main insurance liability.
4 Lost and expired driving license
Insurance companies have to pay for driver's license loss and accidents when they expire. The owner of the vehicle caused a traffic accident while driving the vehicle during the loss of the driver's license, causing damage to the vehicle. As long as the relevant evidence can be provided, the insurance company can pay within the scope of the car damage insurance liability.
However, in the event of an insured accident, if the driver's license is detained, temporarily withheld, revoked, or cancelled in accordance with the law, the loss insurance company of the insured vehicle will not pay.
5 parking damage can no longer only pay 70%
In the past, the car was scratched in the parking lot, and the accidental vehicle could not be found. If the insurance was reported, it would only pay 70%, and the remaining 30% had to be paid out of pocket. It was really depressing!
Now if the special additional insurance "Unable to find third-party special insurance" is insured, the 30% absolute deductible for the third party that cannot be found will no longer be deducted.
6 Vehicle disaster and other conditions on board
Compensation can be obtained for natural disasters such as hail, typhoons, and blizzards, as well as for car damage caused by the accidental impact of the carried goods and people on board.
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You may still have no idea, don't worry, for the hot questions of netizens, after asking the relevant departments, the answers are all here:
Q: What is the overall impact of this reform on consumers?
A: The reform has improved the fairness and rationality of premium calculation, and consumers have benefited as a whole. For owners who have fewer claims and better civilized driving records, premiums will be reduced. For owners with many claims and traffic violation records, premiums may increase. Based on data from the first two batches of areas where commercial revocation reforms have been carried out, more than 70% of customer premiums will fall.
Q: After the reform, does the number of claims have an impact on commercial insurance and premium insurance premiums? A: This auto insurance rate reform is a reform of commercial automobile insurance. It has nothing to do with CCTV. CCTV insurance is still implemented in accordance with the original policy. The claim record of the company does not affect the premium of commercial auto insurance, and the claim record of the commercial car insurance does not affect the premium paid for strong insurance.
Q: What impact did minor accidents have on the reformed rate? A: After the reform, even minor accidents will have an impact on the premium calculation after the reporting of compensation.
Q: After the insurance has not been processed, the insurance company has not paid. Does this situation affect the next year's premium? A: The no-discount preferential treatment coefficient is based on the settlement time of the case. The claims that have not been paid do not affect the calculation of the premium. Will affect the next year's premiums in the future.
Q: I heard that premiums are related to traffic violations. How are they related? Does the stoppage, red light, yellow line, etc. all affect premiums? How much? A: The traffic violation factor is based on the traffic violations of the vehicle insured by the customer for one year. The coefficient of floating rates is uniformly searched and used through the auto insurance information platform. From the analysis of historical data, most consumers who regulate driving will benefit from it. After the reform, most motor vehicle insurance premiums will be flat or fall.
Q: If the vehicle ’s violations last year are dealt with, can there be any discount this year? A: As long as a violation occurs, the record will not be erased because of the payment of a fine. This discount coefficient can no longer be used. Certainly affected.
Q: Can you give me an example of the maximum preferential premium and the highest increase? A: Take the benchmark premium of 3,000 yuan as an example. If the vehicle has not incurred compensation for three years (factor 0.6), there is no traffic violation record in the previous year (factor 0.9). If the insurance company ’s independent underwriting coefficient and independent channel coefficient are both 0.85, the rate adjustment coefficient can reach 0.6 × 0.9 × 0.85 × 0.85 = 0.39, that is, the premium is 3000 × 0.39 = 1170 yuan; if the vehicle occurred in the previous year, 5 If the compensation is 2 or more (factor 2), the traffic violation is serious (the traffic violation coefficient reaches 1.5), and if the insurance company's independent underwriting coefficient and independent channel coefficient are both given 1.15, the rate adjustment coefficient can reach 2 × 1.5 × 1.15 × 1.15 = 3.97, that is, the premium is 3000 × 3.97 = 11910 yuan.
Q: After the reform, if the number of claims is increased, the premium will increase. Can my car be injured at two places and be treated as a payment? A: The insurance compensation is for losses caused by accidents. Different accidents cannot be placed. Pay together.