Shanghai auto insurance self-discipline have been implemented over 3 months, a number of reporters in Shanghai from insurance companies and agencies understand that this is the Shanghai auto insurance from the self-discipline to implement the best ever, the longest time. However, insurance companies still felt the pressure from the auto insurance intermediaries, some insurance companies over the "15% +4%" deviate.
There are still non-compliance
In a recent survey, the People's Insurance, Pacific Insurance, Ping An, Shanghai, and other large auto insurance can be in strict accordance with the Convention on the self-payment fees. However, the calm surface of the market or to find the hidden certain float to the surface from time to time. Reporters in the name of the consumer agency to conduct unannounced visits to a number of auto insurance in the process of inquiry confirmed that, although the majority of companies are able to exercise self-discipline to comply with the Convention, there are still a few insurance companies dare to "crimes against the wind."
Make unannounced visits, a reporter found that the insurance agent to recommend an insurance salesman, and the shareholders of the company for reasons only has been keen on auto insurance direct sales channels. After repeatedly asked the salesman said: the insurance companies in accordance with the auto insurance premium account to pay fees to fight integration, that is, commercial insurance and pay insurance fees were strong 15%.
Before that, Shanghai launched the 2nd self-discipline, or because of the newly established companies unfettered, regulatory or punitive measures do not have a strong, self-discipline convention signed in the near future will be shelved.
The self-discipline for a long time to stabilize the market is the key regulatory authorities and industry to develop joint inspection of the market system. Under the agreement, if there is prima facie evidence of the report, the inspection team will be on target to report high frequency of spot checks, reference checks, including business documents, certificates and related fees to pay financial data.
However, how long can this situation, most insurance companies Xinlimodi. If next year the mandate of each branch, illegal fees may rebound. Insurance companies have said that we will not do the first breakthrough, but in order to do business firm followers.
Intermediary to grasp the right words
Although the recent control of the vehicle insurance fees, but insurance companies do not mind at ease, simply because no alternative channels.
Shanghai Insurance Association statistics show that: in the first 10 months, the Shanghai Insurance Company, through intermediary channels to achieve premium income 8,206,000,000 yuan, accounting for the General Insurance premium income of 73% over the same period last year, up 3 percentage points. From the channel dependence, especially in the Chinese-funded Insurance companies could be more prominent.
Intermediary business accounted for more than 90% of the Insurance Company Nadu, the country life balance and Insurance, the number of flat year-on-year. However, the proportion intermediary more than 80% of the company increased to 7, are Winterthur, the People's Insurance, EMC, safety, the Chinese joint, Taibao, Hyder, 3 more than last year.
A Department of Insurance auto insurance company said that auto insurance market fees to be standardized to the development of the insurance companies are very favorable. But many professional, business and agencies still have the absolute advantage of customers, whether they are satisfied with the standardization of fees is the key. For example, 4S shop in a stable new business, they will charge through the venue rental fees, advertising, promotional materials and so on in order to increase revenue, these costs are difficult to find even check.
Chinese-funded companies increased the proportion of agency business, auto insurance is also a substantial increase in the proportion of business, which is operated by an unstable Insurance signal. January to October, the People's Insurance Vehicle Insurance last year to increase the proportion of nearly 4 percentage points to 64%; Taibao 58% share of auto insurance, year-on-year rise by 3 percentage points. In addition, the Chinese joint, the Bank of China, bringing peace, the Bohai Sea, state, country life Insurance, such as Hyder, the proportion of auto insurance business has always remained at the level of 80%.
In contrast, the United States and Asia, Tokio Marine, Mitsui Sumitomo Insurance Company, and so on a number of foreign intermediary business ratio compared with last year also showed substantial growth, but very few business auto insurance business, for the performance of the accident insurance, health insurance, and financial enterprises Insurance and so on.
Vehicle Insurance profit test
"Into a vehicle insurance also, also lost vehicle insurance; also become an intermediary, the intermediary also defeated," a Chinese-funded Insurance Company properly describe the auto insurance market in recent years, faced with the embarrassing situation. Holds a large customer of the intermediary channels, Insurance companies compete to become the focus of the level of fees have been raised, premiums receivable of vacancies is increasing.
Statistics show that: in January this year, -10 on the Shanghai auto insurance to pay a total amount of 4,000,000,000 yuan, up 49%, there are nearly 1.8 billion of outstanding claims; simple payment rate of about 68 percent higher than the same period last year, an increase of 13 Percentage points.
Over the same period, vehicle insurance premium income of 5.9 billion, of which 1.5 billion insurance settlement strong, even in accordance with the "15% +4%" level of standards also need to pay fees 670,000,000 yuan. In other words, even high enough to cover all vehicle insurance premiums, the two have been by little.
Even the high fees for the time being medical treatment, or a premium receivable Hom. The industry said that the intermediaries to insurance companies caused by the rapid development of auto insurance premiums receivable pressure on the premium end is the minimum, according to the quarter or even a longer period of time clearing premium. To this end, Shanghai Bao Jianju are trying to "see a single fee" system, sort out the problem Insurance Company auto insurance receivables.
However, originally scheduled for Nov. 1 from the implementation of the new system did not start on time. On the one hand, the original pilot limited distribution network of banks, insurance companies and agents detrimental to the financial points; On the other hand, a number of insurance companies that can not be completed on time due premiums received clearance work.
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