Calculation of insurance cost in Xining's new auto insurance policy in 2022

Xining auto insurance new policy, Xining auto insurance cost calculation, the following is Xining auto insurance new policy, Xining auto insurance cost calculation, I hope the following information can help your life. Xining auto insurance new deal: some time ago, the auto insurance fee was changed to a buzz on the Internet. When buying a car, we have to buy auto insurance. We must be careful when buying a car ... If you want to know more about the insurance cost calculation in Xining's new auto insurance policy, you might as well learn about it with Bian Xiao Station of Pacific Auto Network.

Xining auto insurance new policy:

Some time ago, the changes in auto insurance fees were widely circulated on the Internet. If you buy a car, you have to buy auto insurance. When buying a car, we must carefully understand the new auto insurance regulations, which is not only the protection of vehicles, but also the protection of our own rights and interests. Today, please follow Bian Xiao to understand "-Interpretation of the new auto insurance regulations and auto insurance fee reform policies in Qinghai Province! As the new policy has not yet been introduced, the policy of previous years will be followed. If there is any change, please refer to the announcement of official website.

Recently, auto insurance premiums have been widely circulated among friends. It is understood that the first batch of pilots of auto insurance fee reform are in Heilongjiang, Shandong, Guangxi, Chongqing, Shaanxi and Qingdao. In this way, employees of various insurance institutions have posted friendly tips: starting from 20 18 1, insurance companies across the country will implement a new vehicle insurance premium rate policy, which will increase the premium for two accidents by 25%, 50% for three times, 75% for four times and double it for five times!

So, why reform?

According to statistics, in the first half of the year, the comprehensive cost ratio of motor vehicle insurance business of China Taiyang Insurance has climbed to 100%, which means that its auto insurance business is facing loss pressure. * * The comprehensive cost rate of property insurance in the first half of the year was 94.4%, of which the underwriting profit of auto insurance business was 3.7%; The comprehensive cost rate of Ping An Property Insurance is 94.4%. The comprehensive insurance of other insurance companies may be higher in payout ratio. The rising price of auto parts, labor cost, personal injury medical cost and channel cost under fierce competition have greatly increased the cost of auto insurance business of various insurance companies, and they will face a loss dilemma. People in the insurance industry believe that one of the important reasons for the increase in the cost of auto insurance business is that the current charging standard lacks the key factor of vehicle type risk. The current auto insurance charging standards of various insurance companies are only related to the number of seats, the age of the car and the purchase price of new cars, and the premiums of vehicles with the same price are the same. Take a 200,000 BMW series and a 200,000 FAW-Volkswagen Magotan as examples, and the premiums are basically the same. However, due to the difference of zero integral ratio (the ratio of the sum of parts prices of a specific model to the sales price of the whole vehicle, the higher the coefficient means the more expensive the parts), once an accident occurs, the maintenance cost of BMW is obviously higher. Therefore, the current auto insurance charging standard does not match the degree of risk, which is unfair to insurance companies and car owners.

Automobile insurance calculation formula changes face.

Calculation of automobile insurance cost in Xining:

Original premium calculation formula: premium = (car price * rate basic premium) * adjustment factor New premium calculation formula: premium = * rate adjustment factor The purchase price of new cars was the same before the reform, so the premium was the same; After the reform, the purchase price of new cars of different models is the same, but the premium is different because of different risks.

Six influences on after-sales market

1, auto insurance price is closely related to driving behavior.

After the change of auto insurance rate, the factor of auto insurance pricing will change from "car" to "person". Once the auto insurance rate is truly market-oriented, the premium of good car owners will be reduced, because this part of the car owners who are not in danger or have fewer risks; And car owners who often take risks may have high premiums in the future, and the premiums may rise sharply every time they take risks. 2. The auto insurance price of the same price model is completely different. After the reform of auto insurance rate, consumers may be most concerned about the "basic premium" of this car besides the price itself. This "basic premium" comes from the standard based on the replacement price of auto parts of this car. If you choose to buy a car with a high "basic premium", then no matter how excellent your driving habits are in terms of "people", you must be a Gao Fushuai suffering from "car" factors. 3. The real situation of used cars is no longer concealed.

After the market-oriented reform of auto insurance rate in China, the pricing from "car" to "person" will be realized, which will fundamentally promote the second-hand car trading in China. Due to the market-oriented reform of auto insurance rates in China, it is necessary to collect, analyze and apply the "human" factors from drivers. Then, we are fully aware of the driver factors of used cars in the future. This "knowing" is the driving behavior of the owner. Every mileage and every movement will be digitized. 4. The current automobile maintenance system will face an impact. As expected, there will soon be a large number of social maintenance institutions, which will become a new choice for hundreds of millions of private car owners to repair their cars after their accidents. Maybe in the near future, after you report the case, the adjuster will not recommend you to 4S shop for maintenance as before, but to some social maintenance enterprises certified by insurance companies. 5. Grafting auto insurance into the Internet of Vehicles has become the direction of market-oriented reform of auto insurance rates in China. We used to need the "car" factor, but now we need the "people" factor more. Where does the human factor come from? Data acquisition based on the hardware of vehicle networking is one of the important sources of "human" factors. 6. It is ok to buy auto insurance according to mileage and weather. China's auto insurance rates will be market-oriented, and there will be an "innovative clause"-that is, support and encourage qualified insurance companies to formulate innovative clauses on their own according to free data, and jointly form the commercial clauses of auto insurance. This means that not only the rate game is liberalized, but also the future game-that is, how to protect a car, different insurance companies may play different tricks. Different insurance companies have different market positioning. Some insurance companies need premium scale, some insurance companies need high-quality customers, and some insurance companies need controllable comprehensive cost ratio.

Related information:

Three points that should be paid attention to when buying a car after the reform

After the reform of auto insurance rate, people who want to buy a car must pay attention to the following three points:

1, buying a car: not only depends on the price of the car, but also on the whole ratio of zero. "In the auto insurance rate reform plan, the zero ratio of motor vehicles will also be taken into consideration." According to the manufacturer-insurance company, the higher the zero integral ratio, the higher the auto insurance rate and the higher the final auto insurance price. What is the zero integral ratio of vehicles? Refers to the proportion of accessories in the overall sales price. Simply put, it is the ratio of the sum of the prices of all spare parts in the market and the sales price of new cars. According to the data jointly released by insurance association of china and China Automobile Maintenance Association, some motor vehicles can buy more than 10 identical new cars at the total price of replacement parts. The abnormally high price of some vehicle parts not only makes the maintenance cost of car owners high, but also makes insurance companies feel unfair in auto insurance claims. "This time, the zero ratio of motor vehicles is linked to the auto insurance rate, which in turn can affect the sales of vehicles with high zero ratio." When buying a car in the future, don't just look at the price of naked cars, but also inquire about the zero ratio of cars, otherwise you may have to spend more premiums every year. 2, car selection: don't choose a brand, but also look at the rate table. "In the past, you might think which series of cars are safer and which series are more unsafe. There will be a better reference when you choose in the future. " According to property insurance sources, the auto insurance rate reform plan adopts the claims data of the national auto insurance industry for many years, and each model will have a rate table, which means that the insurance rates of the same brand of vehicles and different models will be different. In the past, when people bought a new car or renewed their insurance, the car insurance rates of the higher models in payout ratio might be higher than those of the lower-risk models. In the future, don't buy a car just by feeling which brand and which model, but look at the insurance company's rate table in advance. Among many models with the same price, we must choose models with relatively low rates. 3, driving: do not drive willfully, the premium or 50% off "The best way to get a lower auto insurance premium is to drive safely." Property insurance people said, don't drive willfully in the future. For vehicles that have not been out of danger for three or even five years in a row, the car insurance concessions provided by property insurance companies may be greater, and it is possible to get a 50% discount or even lower rate. On the contrary, the auto insurance rate may be greatly increased. In the future, it is possible to link traffic violations with auto insurance rates. For example, running a red light and parking indiscriminately may affect the renewal price.

Don't be willful when driving in the future. First of all, we must strictly abide by the traffic rules. Second, we must always drive safely. Car insurance rate reform may affect your car purchase.

The above is the knowledge of Pacific car network finishing. Thank you for reading. If you want to know more, please continue to pay attention to Pacific Auto Network.

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