1. Automobile insurance reform and innovation in 2021

For drivers, buying car insurance for their cars is indispensable. After the second reform and innovation of commercial insurance rates, commercial automobile insurance will carry out three reforms and innovations in 2021. After the implementation of the new regulations, the higher the car accident rate, the higher the renewal cost. Similarly, low-risk car owners will enjoy lower rates. Second reform and innovation of commercial insurance rates:

On June 9, 2021, the China Insurance Regulatory Commission once again lowered the minimum discount for commercial auto insurance. This is also the second time commercial auto insurance has been reduced since 2015. Reform and innovation of terms and rates. According to statistics, after this reform and innovation, the minimum discount for car insurance will further drop from the current 0.4335 to 0.3825, as low as 0.3375 in some areas, and even lower in some areas. This means that if a car owner with good driving style and safety statistics purchases insurance from a stable car insurance company, the premium may be reduced by 20%. While liberalizing the price generation system, the China Insurance Regulatory Commission will also take heavy measures to address problems such as high-cost market competition and difficulty in settling auto insurance claims. Three changes in insurance premiums:

The third and second fee changes mean that you have the final say on the premium. To put it simply, insurance has been changed twice before, all related to the rates. , is now about to be implemented for the third time. The key to this second fee reform is to make car insurance rates more fair and just, achieve accurate matching of premium rates and risk situations, and allow low-risk car owners to enjoy Lower rates, high-risk riders will also enjoy higher rates. Relying on this lever, a large number of insured people are encouraged to improve their driving safety concepts and reduce road traffic accidents. 2021 car insurance rate table:

1. Compulsory motor vehicle traffic insurance: 10% discount for no compulsory road traffic accidents in the previous year, and no compulsory road traffic accidents for the previous two years. A 20% discount is given, and a 30% discount is given for the three or more vehicles that have not had any traffic accidents on the road in the current year. There will be no discount for one mandatory urban traffic accident that did not involve death in the previous year. There will be an increase of 10% for two or more mandatory urban traffic accidents in the previous year. There will be a 10% increase in the mandatory urban traffic accidents that occurred in the previous year. Accidents increased by 30%. 2. Motor vehicle damage commercial insurance: 6-seater basic premium for 0-1 years is 630, rate is 1.50%, basic premium for 1-4 years is 594, rate is 1.41%. For 6-10 seats, the basic premium for 0-1 years is 756, the rate is 1.50%, and for 1-4 years, the basic premium is 713, and the rate is 1.41%. 3. Vehicle theft and loss insurance: The basic premium is RMB 120 and the rate is 0.49% for passenger vehicles with 6 seats and below, the basic premium is RMB 140 and the rate is 0.44% for passenger vehicles with 6 and 10 seats, and the basic premium is RMB 140 and RMB 140 for passenger vehicles with 10 and above seats. , the rate is 0.44%. If the maintenance cost does not exceed 1,000 yuan, it is best not to apply for insurance casually:

You need to use insurance after purchasing it. This kind of insurance awareness needs to be changed now. How is the intensity of premium increases and decreases calculated? The reporter realized that after the commercial auto insurance premiums were revised, every company is currently implementing the latest fee reform policy. The automobile insurance premium rate adjustment index after the fee reform is composed of three parts, namely, no compensation preferential treatment index (NCD index) × independent compensation index × independent method index. In order to gain market share, various auto insurance companies have lowered the latter two indexes to the minimum amount of 0.85 after the fee reform. Therefore, the NCD index becomes important for the rate. Before the fee reform, the NCD index was 0.7-1.3; after the fee reform, it became 0.6-2. In other words, the price before the fee change can be discounted at most 30%, while the price after the fee change can be discounted at most 40%. How to actually clarify it? It is linked to whether there was an accident last year. During the commercial insurance period of this year, there will be no discount on the premium for one car accident, the premium for two car accidents will be increased by 25%, the premium for three car accidents will be increased by 50%, the four car accidents will be increased by 75%, and the premium for five car accidents will be doubled. If there is no insurance in the last year, the discount will be 15% off, if there is no insurance in two years, there will be a 30% discount, and if there is no insurance in three years, there will be a 40% discount. If the car buyer has no insurance for three consecutive years, his premium can be discounted by 0.6×0.85×0.85=0.4335. Automobile 4S stores will be rid of the monopoly on car sales:

In April 2021, the Ministry of Commerce announced the release of the "Automobile Marketing Management Methods", which will be implemented from July 1, 2021.

The biggest advantage of the latest policy is to get rid of the single system of trademark authorization and sales, and implement two methods of authorized and non-authorized processing in parallel. In other words, car shopping malls, car stores, car e-commerce, etc. may also become new car sales methods in the future. Customers will be able to freely choose how to buy cars and choose service points. Tremble! 4 kids! The car certificate must be with the car:

Some car 4S stores will pledge the car certificate before selling a new car, and wait for the car to be sold before taking it home. Some car buyers usually take delivery of the car and pay for it, but when they ask for a certificate of compliance, the agent repeatedly delays it, preventing them from immediately placing the license plate. The new "Automobile Marketing Management Methods" require that when picking up a car, a certificate of qualification must be attached to the car. Situations like the above will be strictly prohibited. It is strictly prohibited to raise the price of a car in any way:

Many people who buy a car will go through some overbearing terms such as raising the price, adding decorations, and adding compulsory traffic insurance from car 4S stores! The latest policy clearly stipulates: Agents are not allowed to force sales, the prices of various car parts are clear, and no additional charges can be paid, which protects the rights and interests of consumers to a great extent. Expand professional knowledge:

1. What changes have been brought about by the second reform and innovation in automobile insurance? The number of car accidents directly determines the car insurance rate, which is conducive to helping car buyers develop good driving habits and reduce the occurrence of driving accidents. This is a hidden benefit of the secondary fee reform. Professionals also suggested that when the non-compensation preferential treatment index increases in the future, from a practical perspective, there will be a small impact of a few hundred yuan, and the cost of car repairs and the increase in premiums in the second year will be higher. Good deal. If the maintenance cost is more cost-effective, it is best to do the maintenance yourself.

2. What is the role of commercial automobile insurance? Automobile commercial insurance is a type of property insurance, also known as motor vehicle commercial insurance. It is a vehicle commercial insurance that takes the obligations of the automobile (motor vehicle) itself and a third party as safety indicators. Automobile commercial insurance generally consists of two parts: basic insurance and additional insurance. Basic insurance is divided into vehicle loss insurance and third party liability insurance. Car damage insurance pays for damage to your own car; third-party liability insurance pays for tags other than your own car, such as people who were knocked down, property belonging to the public, the other party's car, etc.; Personnel liability insurance is for compensation for people in your car and financial losses; theft insurance, to put it bluntly, is compensation for your car when it is stolen; it does not include deductible insurance, which guarantees 100% compensation for accidents. If you don’t buy it, it won’t be counted. Deductible insurance, each accident can have 30% deductible, which is borne by yourself.

3. Does the size of the automobile commercial insurance insurance limit have an impact on the commercial insurance in the second year? The size of the automobile insurance accident limit has an impact on the insurance coverage in the second year and the frequency of accidents. There are discounts for purchasing compulsory traffic insurance for the first time. For example, for major accidents in the first year, you can get a 10% discount in the second year; for major accidents in the second year, you can get a 20% discount in the third year; for major accidents in the third year, you can get a 30% discount in the fourth year. The maximum discount is 30%. The price of compulsory traffic insurance is related to many factors. There may be a certain difference between the price of purchasing insurance for the first time and purchasing insurance again. It is your first time to buy compulsory traffic insurance. The price of compulsory traffic insurance is related to the car model. According to the relevant requirements of compulsory traffic insurance, different car models have different basic premiums for compulsory traffic insurance. But for the same car series, uniform prices are implemented across the country.

One million car purchase subsidies