With the continuous development of the economy, the ownership rate of individual vehicles continues to increase, and the purchase of car insurance has become an important part of the daily life of car owners. In this context, on April 15, an internal meeting of the insurance industry was held and it was decided to adjust car insurance policies from four aspects, which will bring a new cost experience to car owners.
1. The cost of auto insurance has been rising in recent years
It is understood that in recent years, with the changes in the macroeconomic environment of the mainland, the number and cost of automobile traffic accidents have increased significantly at a rapid rate. For example, data shows that in 2021, the number of traffic accident deaths nationwide reached 67,600, an increase of nearly 10,000 over 2020; During the same period, property losses totaled more than 350 billion yuan.
This undoubtedly places a greater financial burden on auto insurance companies. At the same time, the quality and safety of automobiles are constantly improving, bringing higher standards to insurance claims, and at the same time increasing the cost of insurance companies. In addition, the continuous rise in automobile prices in recent years has also changed the traditional insurance damage assessment standards, further pushing up the cost of claims.
2. Strictly limit the car insurance rebate policy
The meeting decided to completely cancel all kinds of rebate policies for car insurance from April 15, and no longer provide any form of premium discount or other additional benefits to car owners. The reason for this reform is that for many years, in order to compete for a larger market share, various insurance companies have frequently offered first-year rebates of up to 60% in price wars, which has severely hit the profitability of the industry.
Some car owners will also take advantage of this policy to switch back and forth between different insurance companies, which is actually a form of deception. The abolition of the rebate policy will help regulate the insurance business and avoid the adverse impact of unhealthy competition on both enterprises and users.
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3. Strengthen the supervision of customers who have been released from insurance and re-insured
The meeting agreed that in the future, insurance companies will strengthen the return visit investigation of customers who have been transferred to other companies after being out of insurance. Once it is found that the customer has any commercial rebate behavior in the process of insurance release and reinsurance, the relevant wrong outlets will be seriously dealt with, and the business cooperation can be suspended at most. This is aimed at curbing customers from taking advantage of price differences between companies to carry out "jump-and-jump insurance" and disrupt the market order. The move has been well received by the industry as a way to combat fraud and raise the bar for business.
4. Strengthen the ability to claim claims and assess losses
Theoretically, as the level of traffic safety improves, the car loss rate should decrease in the long run. At the meeting, insurance companies also reached an agreement to further improve the statistical method of automobile loss rate, and actively introduce third-party assessment agencies to participate in the claims workflow, so as to strengthen the assessment ability and credibility. It will also refer to the international advanced experience to promote the simultaneous improvement of the compensation standard and the level of science and technology. This will raise the level of governance in the industry.
The focus of this reform of the insurance industry is to further standardize the marketing policies of enterprises so as to avoid unhealthy competition setting bad precedents for the market. However, in the short term, measures such as the elimination of rebates will inevitably push up the actual premiums of some users. It is expected that in the next one or two years, as a number of insurance companies jointly bear more reasonable basic costs, as well as the improvement of user awareness, auto insurance prices will gradually become stable and reasonable. It is expected that the reform can be carried out in an efficient and orderly manner to achieve the goal of harmonious development of the industry.
Industry self-discipline is not all smooth sailing. I still remember that two years ago, auto and insurance companies jointly tried to implement a similar "price alliance" reform, and within a day it was questioned and broken by public opinion. The difficulty of this reform lies in how to coordinate the relationship between the short-term interests of various enterprises and the long-term development of the industry, and take into account the user experience in the process of policy implementation, so as to truly implement pure oxygen.
Government regulators also need to pay close attention to market trends and provide necessary policy support and guidance. Only by working together to build a fair and reasonable operating mechanism can we truly promote the development of the industry in a good direction.
Generally speaking, this auto insurance reform touches an important area of industry governance. As long as all parties are conscientious and focus on the interests of users, it will be conducive to the better development of the auto insurance market. At the same time, we look forward to seeing more highlights of the reform measures in the future to jointly build a fair and efficient insurance system.
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