The old motor vehicle insurance terms have been on the market for 22 years.
Although there are as many as ten insurance companies operating it, due to
the unification of terms and rates, as a result, many car owners feel that
their service is not considerate enough. The car insurance of "one thousand
people on one side" not only makes the policyholder complain a lot, but also
makes the insurance companies operating it unsatisfied. Many people also think
that if we continue to maintain the original terms and rates of unified moving.
In terms of operation, it is relatively rigid and does not meet the needs of
market customers. It can not meet the requirements of car owners, but also can
not reflect the product personality of each insurance company. In this case,
the old car insurance had to withdraw from the historical stage. In fact, auto
insurance reform has been carried out in Guangdong since June 2000. However,
the reform at that time was only on the rate. It was not until the China
Insurance Regulatory Commission issued the document "about the reform of auto
insurance system" in March, 2003 that it was determined to start from lunar
January, all auto insurance products are formulated by each insurance company
itself with terms and rates. The car insurance, which has been operated for
more than 20 years, finally changed its face this year. On January 1, 2003,
auto insurance products independently developed by various insurance companies
were officially released. The new auto insurance breaks through the mode of
fixed rate and the same insurance document format. It is no longer the 11
unified types of insurance in the past, instead, according to different
vehicle types, uses, the region specially designed insurance coverage
and rates for different customer groups. Indeed, in the past, there were
only 2 main insurances and 9 additional insurances. Add up to 11 types of
insurance. At present, there are more than 20 kinds of car insurance
formulated by each insurance company itself, and there are more than
30 to 40 kinds. There are several insurances that make the car owner
feel convenient at once. In the past, the two situations of auto-combustion
and scratches were not guaranteed, but now they can be guaranteed. In the
past, you lost your car and had to pay for it yourself when renting a car.
Now there is "additional insurance for scooter fees", and the insurance
company will pay for the fees you rent a car, in addition, "additional
insurance for compensation for mental damage caused by traffic accidents",
"cost insurance for disposal after accidents" and other types of insurance
appeared. In Kangtai property insurance company, which was the first to
announce the new auto insurance rate, it could invest more insurance than
last year with the same amount of money as last year. And some insurance
companies also give different degrees of preferential treatment to the
policyholders who designate special person to drive, who have been driving
for more than 3 years or whose drivers are women. In the People's Insurance
Company of China, which occupies 70% of the auto insurance market, private
cars can get a larger discount. Take a 137,000-yuan new Jetta car as an
example. In the past, it needed to pay a premium of 6070.3 yuan for the
whole car insurance, but according to the new terms, it was enough to pay
a premium of 4070 yuan, saving 30% of the premium. However, no matter which
insurance company, they are most willing to give profits to the car owners
with safety records. As long as they don't go out of danger for one year,
they will get 10% discount in the second year, and 30% discount if they
don't go out of danger for three consecutive years. The reform of the new
car insurance not only considers the factor of cars, but also the factor
of people. For example, if other conditions are equal, female car owners
can get 10% more discount than male car owners. Because the risk rate of
women is lower than that of men, and regional factors also have an impact
on the premium. With the same Jetta, the premium of car owners in Beijing
is lower than that of car owners in Harbin, because the freezing time in
Harbin is relatively long, and the probability of getting out of danger
is higher. High-risk and high-charge charges should be collected reasonably,
and low-risk and low-charge charges should be collected properly. Some people's
driving records are particularly bad, and insurance companies like this also
need to cover insurance for them. It would be much more reasonable if they
set a premium with relatively high rate.