The China Insurance Regulatory Commission (CIRC) recently officially issued the "Opinions on Deepening the Reform of the Commercial Vehicle Insurance Clause Rate Management System" (referred to as "Opinions"). It is understood that the "Opinions" show that it will expand the autonomy of the property insurance company's pricing, breaking the pre-existing phenomenon of the abnormally high rate of commercial auto insurance.
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It is understood that the current commercial auto insurance rate is determined by the new car purchase price as an important pricing factor, the correlation between premium and risk is not high, the rate between the frequently-rising vehicles and the long-term non-risk vehicles is not much different. According to the reform plan, driving different models and different driving habits of drivers will have different risks, and higher risk factors will bear higher auto insurance premiums. The relevant person in charge of the insurance company that participated in the auto insurance reform has said that the biggest change in auto insurance premiums is based on the existing auto insurance pricing model based on factors such as new car purchase price, age and number of seats. The model pricing model finally realizes differentiated pricing of brand models.
The so-called "model pricing" is that the auto insurance premium pricing is linked to the car model. There will be some differences between the premiums of different models, but the specific scheme has not yet been announced. It is reported that the China Insurance Regulatory Commission has organized a set of model standard database as a reference standard for different models.
Therefore, for policyholders, low-risk car owners may enjoy more benefits after the reform of commercial auto insurance rates. Liu Feng, director of the property insurance supervision department of the China Insurance Regulatory Commission, said that the purpose of the reform is to match the risks and rates, and to hand over the pricing power of commercial auto insurance products to insurance companies, and to give the choice of products to consumers and car owners. After the reform, the price of commercial auto insurance will be generally stable, and low-risk car owners will enjoy more preferential rates.
In addition, the insurance company can calculate the benchmark premiums based on its own underwriting experience and operating conditions, and determine the independent rate adjustment factor. The rates of different insurance companies will vary, and the rates can be increased or decreased. Some insiders believe that under normal circumstances, the general rate will decrease in order to compete. In the initial stage of auto insurance reform, companies may bring short-term pain in order to seize customers and reduce the rate.
It is understood that after the promulgation of the "Opinions", the China Insurance Industry Association will establish a collection, measurement and adjustment mechanism for commercial vehicle insurance loss data in the property insurance industry, and dynamically publish a commercial vehicle insurance benchmark pure risk premium form to scientifically determine the commercial auto insurance rate for property insurance companies. for reference.
The China Insurance Regulatory Commission said that after the Spring Festival of 2015, the commercial auto insurance rate reform pilot program will be released and publicly solicited opinions. In May, the pilots were officially launched in Heilongjiang, Shandong, Guangxi, Chongqing, Shaanxi and Qingdao.