Guangdong car damage insurance increase from today

Yesterday, the relevant person in charge of the City Insurance Industry Association told the reporter that the increase in the vehicle damage insurance was issued by the higher authorities and the vehicle damage insurance was improved. For the owners, although they would pay more for the vehicle damage, they would be in the car. In the loss process, the ultimate beneficiary is the owner.

The industry professionals engaged in auto insurance claims work for many years believe that one of the important objectives of the adjustment of car damage insurance coverage is to regulate the price of premiums and prevent major insurance companies from repeatedly squeezing prices in order to compete for customers. However, if there is a lack of effective supervision over the adjustment of new car damages, it is difficult to avoid that individual insurance companies will not follow the adjusted prices to obtain more customers.

Car damage insurance amount adjustment method New car damage insurance premium is the new car ticket price (including VAT) and 90% of the system price, whichever is higher; the old car can be changed from 70% of the minimum system price to 2 Within the year, the lowest reduction is 10%, the lowest reduction is 15% in 2 to 5 years, the lowest is 20% in 5 to 10 years, and the lowest is 25% in 10 years.

cost:

Business insurance premiums rose by 10%

“In the last two months, auto insurance expires. Please apply for insurance as soon as possible.” Recently, many car owners have received warm tips from insurance companies. According to the relevant regulations, from today onwards, the amount of car damage insurance premiums will increase significantly – that is, the purchase of vehicle damage insurance, and the premium will be significantly raised. It is understood that according to the method of adjusting the amount of damage to the car, by then, commercial insurance premiums will rise by about 10%.

“We received the relevant notice that this vehicle damage insurance was implemented throughout the province.” Yesterday, the relevant person in charge of the City Insurance Industry Association said in an interview with reporters that the increase in vehicle damage insurance was It costs more than a few hundred yuan in vehicle damage, and in the event of a traffic accident, the owner of the vehicle is the ultimate beneficiary.

Owner:

We are worried that Mr. Wang, the owner of the high-security low-loss vehicle, told reporters that he had used an imported brand car for eight years. At that time, the purchase paid RMB 340,000, and the current market valuation was about 80,000 yuan. Last year, the cost of purchasing auto insurance was a total of RMB 6,472. Among them, commercial insurance is 5,617 yuan and strong insurance is 855 yuan. According to the new vehicle damage rating method, the car insurance coverage for 5 to 10 years will be reduced by a minimum of 20%, and commercial insurance will have to pay at least 600 yuan more.

Mr. Wang said, “My car is now worthless, and it should be calculated based on the original purchase price of the vehicle. As an old driver, driving normally is very careful. If my car does not generate a large amount of damage to the car. Claims, is there a case of high insurance and low compensation?"

"When an old car was producing claims, for example, the price of a car headlight 4S shop was 1,500 yuan, and the insurance company needed to pay 1,500 yuan, not that the car had been in use for eight years. According to eight years of depreciation, the claim was still In accordance with the standards of the new car to claim compensation." Car insurance insurance business for many years in the insurance company of the Zhongshan Center Branch Motor Insurance Manager Guo said in an interview, the increase in the amount of car damage insurance, for the owner, you need to pay about 10% of the extra Premiums, on the surface, seem to be a large sum of money, but at the time of claims, the owner is still the beneficiary.

Industry:

The new adjustment has greatly promoted the industry, "this time the adjustment of the car damages, one of the important purpose is to regulate the premium price, to prevent the major insurance companies in order to compete for customers and repeatedly led to industry price confusion." Guo said At present, the price system of the insurance industry is still relatively confusing. Some small insurance companies have repeatedly challenged the bottom line in order to compete for customers and renewal prices. The price of some telephone reports is surprisingly low. Coupled with insurance companies and the automotive industry, as well as some kind of agreement between customers, the insurance company's business is even worse.

Manager Guo stated frankly that the adjustment of the new car insurance coverage will in fact greatly promote insurance companies and the insurance industry as a whole and help the participants to enjoy more benefits. Without effective supervision, it is difficult to avoid individual insurance companies from Do not follow the adjusted price to get more customers. Then, this adjustment will become a dead letter.