Many insurance companies in Shijiazhuang refuse to cover taxi commercial insurance, is it legal and compliant?

Source: Voice of China, Central Radio and Television Corporation

Recently, a number of taxi owners in Shijiazhuang, Hebei Province, reported to the Yangguang News Hotline that when they renewed this year's commercial insurance for taxis, they were refused insurance by many insurance companies, and most of the reasons for refusing insurance were "system control". Some salesmen bluntly said that the refusal of insurance (third-party liability insurance) is mainly due to the high accident rate of the taxi industry, and insurance companies are reluctant to do money-losing business.

The reporter's investigation found that such phenomena are not unique. Is it legal and reasonable for insurance companies to be so "picky and picky"?

Several insurance companies refuse to cover taxi commercial insurance

Salesman: The payout rate is too high

In the past few days, master Guo, the owner of the taxi, is worried about renewing the commercial insurance for the car. Seeing that the commercial insurance insured last year was about to expire, this year's renewal was rejected, and he turned to other insurance companies, and the salesman heard that it was to insure the taxi, most of which was rejected on the grounds of "system control".

△ The chat records of the owner, Master Guo, and a number of insurance companies, provided by the interviewee

Master Guo also said that although his car had never been in an accident and the insurance company had not been insured, he was still turned away by the insurance company. "If you don't have commercial insurance, taxis don't dare to go on the road."

A salesman at China Taiping Insurance said that not renewing the policy had nothing to do with whether the taxi had been insured. "I don't go to commercial insurance because our loss rate is too high, so we can only hand over compulsory insurance and not let us go to commercial insurance."

In addition, the salesman also said that for the commercial insurance business of taxis, "the loss rate is very high, and the insurance company has the right to choose not to give commercial insurance." ”

The reporter contacted a number of insurance companies as the owner of the taxi car to consult the problem of insuring commercial insurance, and was told that "the current system control".

Chinese salesman told reporters that if they bought their insurance last year, they might be able to successfully renew their insurance this year. "We all have to try, and some can and can't." The compensation for taxis is too large, and people are reluctant to do the business of losing money. ”

Insurance companies have caused controversy over the "picking and choosing the fat"

Taxi refusals exist or tend to be in many places

There is also some controversy in society about the practice of insurance companies.

Academia

Professor Wang Guojun of the School of Insurance of the University of International Business and Economics believes that insurance companies cannot refuse insurance, and the relevant departments should punish insurance companies that refuse to underwrite. Wang Xujin, director of the Insurance Research Center and doctoral supervisor of Beijing Technology and Business University, believes that the sale and purchase of commercial insurance is a market economic behavior, and the principle of voluntary trading should be emphasized, and insurance companies have the right to refuse to underwrite.

lawyer

Yue Tunshan, a senior partner at Beijing Yuecheng Law Firm, said that in addition to compulsory traffic insurance, there are no regulations that force insurance companies to accept taxi insurance. However, considering the particularity of the taxi industry, if it cannot be insured in place, it is bound to affect the entire passenger transport industry.

However, lawyer Qiao Feng said that the insurance company's practice is suspected of violating the relevant provisions of the contract section of the Civil Code and is a civil violation.

The reporter's inquiry found that similar phenomena are not unique. According to a July report by the Beijing Business Daily, "Most insurance companies in Weihai, Shandong Province, refuse to provide commercial insurance services to taxis." The few insurance companies that need to increase the liability insurance of the occupants of the vehicle during the sales process, and only accept renewal and do not accept new insurance, are because the business loses money. ”

According to a recent report by Shaanxi Ankang Traffic Radio, "Insurance companies stopped selling commercial insurance to taxis, and many taxis in Ankang City are facing suspension." ”

Mr. Lu, an industry insider, said that the commercial insurance business of many local insurance companies now has a tendency to refuse to insure taxis, and the important issue is how to resolve conflicts of interest and contradictions.

In response to the refusal of many insurance companies in Shijiazhuang to the taxi industry, how do the local authorities respond? The Voice of China will continue to pay attention to it.