· Commercial auto insurance fees will be rolled out across the country

Shanghai Securities News reporter learned from the relevant channels yesterday that during the week, a number of documents concerning the market-oriented reform of auto insurance rates have been issued to insurance companies, including the national promotion version of the commercial auto insurance benchmark rate plan, insurance and claims practice points. Waiting for the first time to surface.

This means that after the first two batches of pilots, the reform of commercial auto insurance rates will be rolled out across the country, and the marketization of insurance industry rates will accelerate.

It is expected to start in the first half of the year

The market-oriented reform of China's auto insurance rates began in 2015. In order to avoid reducing the market shocks brought about by radical reforms, we took the lead in selecting pilot areas with good regulatory bases and representative markets to carry out pilot reforms in a step-by-step and gradual manner. On June 1, 2015, six provinces and municipalities including Heilongjiang started the pilot; on January 1, 2016, the pilot was extended to 12 provinces and cities such as Tianjin.

According to the recent comments made by the regulatory authorities at the internal meeting: “We will strive to implement the new commercial auto insurance clause rate management system nationwide in the first half of 2016.” According to the person who received the above documents, the commercial auto insurance The benchmark rate plan (National Promotion Edition) is based on the two batches of pilots and has developed a benchmark rate plan for commercial auto insurance in the remaining 18 regions.

According to the reform plan, commercial auto insurance premium = benchmark premium × rate adjustment factor. That is to say, the rate adjustment factor is the most important factor affecting the level of commercial auto insurance premiums. The coefficient mainly includes non-compensation preferential treatment and the previous year's compensation record (NCD) coefficient, traffic violation coefficient, independent underwriting coefficient and independent channel coefficient. 4 subdivision coefficients.

From the consumer's point of view, the NCD coefficient is a key factor in determining the ups and downs of their car insurance renewal premiums. Comparing the NCD coefficient before and after the reform, it is found that after the reform, the owner of the driving behavior is good, the number of previous claims is small or zero compensation, you can enjoy a larger discount of premiums; and the number of claims more than one time, the premium will be increased More than ever.

The reform is intended to link the past claims record with the renewal premium discount, and to refine the classification of “reward and punishment” to curb the risk rate, reduce the cost of claims, and encourage the owners to take the initiative to control risks and improve social security. Driving level.

Beijing, Shenzhen, Xiamen, three fine-tuning

It is worth noting that after comparing the reporters, it was found that in the national promotion version, the programs in Beijing, Shenzhen and Xiamen were slightly different from the overall plan. This is mainly due to the early exploration of commercial auto insurance reforms in the above three regions. Therefore, the benchmark rate scheme has fine-tuned the “NCD coefficient” and “autonomous coefficient” based on the overall framework and the national consensus.

The fine-tuning is reflected in the NCD coefficient of Beijing and Xiamen extending and refining to both ends on a national basis. That is to say, for low-risk customers, the most favorable one in the national promotion version is “no compensation for three consecutive years”, and the corresponding preferential coefficient is 0.6, but it has been increased for 4 consecutive years in the Beijing and Xiamen programs. There is no indemnity in 5 years, and the corresponding preferential factors are 0.5 and 0.4 respectively. Conversely, for high-risk customers, based on the lower limit of the national version of “the last five or more indemnities last year”, the previous year was added. In the case of 6th, 7th, 8th, 9th, 10th and 10th instalments, the corresponding penalty factors are 2.15, 2.3, 2.45, 2.6, 2.75 and 3 times respectively.

The main content of the adjustment of the auto insurance rate reform plan in Shenzhen is to relax the floating range of the independent underwriting coefficient and the independent channel coefficient. The two floating ranges are relaxed from 0.85-1.15 to 0.75-1.25. The second is to continue to use Shenzhen. The original traffic violation coefficient of the area.

In the eyes of the industry, the auto insurance rate reform is being rolled out across the country, and it is expected to achieve a win-win situation for consumers and insurance companies. This can be seen from the effectiveness of reforms in the pilot areas.

According to the data that the reporter learned from relevant channels, on the one hand, the reform has made consumers generally benefit and the insurance is active. The consumer auto insurance premiums paid by most consumers have decreased significantly year-on-year. The auto insurance premium growth rate in the pilot areas has increased month by month after the reform. trend. As of the end of 2015, the average premium for commercial auto insurance in the first six pilot areas was 3,439 yuan, saving an average of 7.70% of premiums for each auto insurance consumer; in the auto insurance renewal business, about 77% of consumer premiums decreased year-on-year, only About 23% of consumer premiums rose year-on-year.

On the other hand, the reform has led to an increase in the operating level of insurance companies. The comprehensive cost ratio of auto insurance in the pilot areas has decreased significantly compared with that before the reform. The above data shows that at the end of 2015, the comprehensive cost ratio of auto insurance in the first six pilot areas was 93.55%, down 1.83 percentage points year-on-year, down 2.71 percentage points from the start of the reform.

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