The target car debuted in April 2020, the model is Weilai Electric Vehicle, and the commercial insurance is insured once between 2020 and 2021, and the commercial insurance renewal price in 2021 is 2919 yuan.
After verification, the car commercial insurance autonomy coefficient is 0.65, the total coefficient is the insurance coefficient (once a year insurance 1) and the product of the autonomy coefficient, that is, 0.65 (there is no violation factor in the area), the price is the floor price called by the salesman, because it is the lowest autonomous coefficient in the industry.
Between 2021 and 2022, the car incurred another compensation, according to the current rules, the insurance coefficient is still 1 (two times in two years), which is the same as the previous year, but when the car is renewed in 2022, the price quoted by the salesman is 6444 yuan.
That is to say, this car was insured once last year, and the premium actually increased by 120%. The owner's incomprehension and anger can be imagined, the salesman scolded a lot, and went to find a number of people himself, all of them were refused insurance, and finally had to accept this reality.
This case is more extreme, not enough to explain the overall premium increase, but it is also a typical, a collection of doubts of many car owners in the current market, such as why the insurance premium has risen, why this year is so much more expensive than last year, and so on. Behind this case is the hidden law of the market, which is not something that the salesman can influence, specifically the main ones:
First, the level of autonomy coefficient gradually returns to rationality
The comprehensive reform of automobile insurance stipulates that the company's autonomy coefficient is between 0.65 and 1.35, and the difference between the two is more than doubled. In the above case, it just so happens that the renewal autonomy coefficient in 2021 is 0.65, and the renewal autonomy coefficient in 2022 is 1.35, which is commonly known as the "floor" coefficient to the "ceiling" coefficient. In this way, the total coefficient has risen from 0.65 in the previous year to 1.35, and the premium has naturally doubled.
In the early days of the reform in the fourth quarter of 2020, as well as the first half of 2021, many companies in the industry in order to grab market share, many orders were underwritten at 0.65, but after a period of operation, it was found that the premium adequacy was not enough, the loss rate was too high, and the solvency was worrying.
Since the second half of 2021, the autonomy coefficient has gradually returned to rationality, and the average autonomy coefficient of most companies' old private cars is about 1, which has led to an increase in insurance premiums.
Second, the impact of the number of insurances on the premium has changed greatly
In the past, the number of insurances affected the premium for one year, and now the number of insurances affects the next three years. Moreover, the main body has higher requirements for the number of insurances, and the premium adequacy before the reform is high, so it is normal to underwrite twice a year and three times a year, but at present, the two times a year are already poor quality business, so the insurance company will refuse to insure or improve the autonomy coefficient.
In the above case, if the car is only insured once every two years, the insurance factor and the autonomy coefficient may decline at the same time, and the premium will be much cheaper.
Third, some car insurance business is no longer a sought-after commodity
The auto insurance reform has led to an increase in the overall loss ratio of auto insurance, and insurance companies have begun to avoid some auto insurance (commercial) business, such as muck trucks, new energy vehicles and large trucks. Since the introduction of new energy clauses at the end of 2021, insurance liabilities have increased, risks have become higher, and many companies are not very friendly to new energy vehicles, which is why this car has fewer insurable companies and the high autonomy coefficient of the company that can be insured.
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