Is a self-year in August from the implementation of vehicle insurance and self-discipline convention, insurance companies pay for auto insurance intermediary business auto insurance rates to no more than 15% of the strong cross-insurance rates to no more than 4%, the Shanghai auto insurance intermediary market, a substantial profit Down. On the other side, many insurance companies are due to face premium risk is difficult to recover.
By a herd of the auto insurance market crisis conduction strand breaks in the interests of the crisis is staged in Shanghai.
Shanghai, one of the platforms of the three major auto insurance auto insurance herd suffered as a result of lack of funds on the verge of closure after the Oct. 8, another reporter from the auto insurance market was informed that this storm has begun to spread to more auto insurance intermediaries.
As of the end of last month, Shanghai has about 2 / 3 of auto insurance intermediary, active or passive, or to stop distribution of commercial vehicle insurance as well as strong cross-risk, and as a sales vehicle insurance business in Shanghai's various Insurance companies also began to help themselves, the Shanghai Security Board supervisor, as well as Shanghai Insurance Association has recently issued a circular from November 1, Shanghai will be formally introduced in vehicle insurance costs see a single mechanism for auto insurance intermediary shall not retain private insurance, and business owners to buy auto insurance premiums through all the Shanghai auto insurance joint information platform under the Insurance Companies.
Since insurance is a trade association in Shanghai in August this year, auto insurance and self-discipline to implement the Convention to require insurance companies to pay for auto insurance intermediary business auto insurance rates to no more than 15% of the strong cross-insurance rates to no more than 4%, resulting in vehicles in Shanghai Insurance intermediary market, profits have fallen sharply, and many face cancellation of auto insurance intermediary business to sell auto insurance business difficulties; the other side, since the financial crisis in emerging public auto insurance, and is likely to arise from the stock market rumors in the market, many insurance companies are facing Receivable risk premium is difficult to recover; for more car owners, if the intermediary to buy auto insurance from commercial insurance, Chuxian, likely will not get the insurance payment.
By a herd of the auto insurance market crisis conduction strand breaks in the interests of the crisis is staged in Shanghai.
Vehicle insurance premiums rise sharply
"The same policy, why this year than last year, nearly 1,000 yuan more than the money?" On October 9, the BMW owner Miss Wang, a Shanghai newspaper to reflect, in the renewal in September found that premiums paid by a number of high - .
This reporter has learned that Miss Wang in September last year, according to business risk and settlement risk, and so strong through the provisions of the insurance intermediary to pay insurance premiums to about 4200 yuan this year, but required to pay an annual premium of 5100 yuan. However, the increased cost of renewal found in more than a Miss Wang, through an interview with reporters learned that many of the Shanghai auto insurance through an intermediary to buy the auto insurance business owners to reflect this, the recent about much higher premium price, within one year , Why the same insurance premium is such a big difference in price?
October 10, a Shanghai auto insurance intermediary who is responsible for marketing to this reporter's interview that the original purchase auto insurance through their companies, as the insurance companies to pay higher commission rates, they returned to the owner of the costs, There are various forms to owners of fuel cards are also profit from their separation, but since this year began on August 11, the Shanghai Insurance Association to start the implementation of the Convention on auto insurance and self-discipline, Shanghai more than 20 auto insurance business Commercial Vehicle Insurance Company of the charges is scheduled to die in the ceiling "of 15% (Commercial Vehicle Insurance) +4% (strong cross-risk)", many insurance companies no longer have to pay extraordinary fees, so they have no benefit to the owners returned.
"Fan Dian not in the middle, the owner of the premium will be higher up the price." Shanghai auto insurance agents professional Li Tao (not his real name) reluctantly revealed to reporters.
However, in an Insurance Co. It appears that the commercial vehicle insurance through trade associations provides a unified ceiling, an insurance company may not be any higher than the rate of payment of fees to intermediaries, has its difficulties. The analysis said the head of Shanghai's insurance companies in the auto insurance business has been operating loss on the road for five years, the past five years, almost no vehicle insurance is an insurance operating profits of the reason is the cut-throat competition among insurance companies For the sake of selling a large number of auto insurance intermediary institutions, in order to be able to occupy more market shares, insurance companies often hesitate before between the big price war, to the auto insurance intermediary to pay twice or even three times the cost of procedures, and auto insurance intermediaries are Seized the opportunity to speak to the insurance companies charge high fees for all, it is sad to now, many insurance companies are also due in auto insurance premiums in the hands intermediary, it is difficult to recover.
Hardly out of the cycle
At the same time, both sides issued by the auto insurance market, the voice crying in the outside world view, the most direct factor in auto insurance is self-discipline has begun to show the effectiveness of the Convention, but it also bogged down in the cycle of loss of the auto insurance market has become more complicated and confusing.
October 9, the auto insurance industry, a senior who told reporters that the insurance companies operating in the red auto insurance, auto insurance intermediaries selling auto insurance business is losing money, owners of commercial vehicle insurance are also always have no confidence in the attitude of the whole Auto insurance industry is losing money, then who is the profit in the end, who is the vested interests of the people.
"The question now is the need to completely reverse the auto insurance industry is not long deficit to win situation, self-discipline is the auto insurance regulatory authority to issue the first token, the next is to see the implementation of a single payment mechanism, which will certainly auto insurance intermediaries Feel pain, but also the root of the problem lies in the auto insurance industry in vicious competition, the competition lies not only in insurance, auto insurance intermediary is also the same. Insurance companies to pay high fees to costs, vehicle insurance intermediary costs are also to Expand the scale of regulatory agencies is intended to curb vicious competition in the insurance situation, the root of the problem, and then only auto insurance intermediaries to do business honestly. "In this regard, Shanghai University of Finance and Economics professor in the Department of Insurance would like to Xu Liang analyzed.
However, there are still problems, two measures of a release, has given way to auto insurance intermediaries feel that the survival of the difficulties. According to Reporters have a show that in September this year, Shanghai has 64 auto insurance intermediary has stopped distribution of the auto insurance business, and these companies are offered to stop the dealers, of which 20 are car sales and car Repair shop, auto insurance and more professional intermediaries such as conformity, AA, as well as grand a large number of small and medium-sized professional auto insurance intermediaries is more difficult to survive.
During intermediaries Baojian Ju For lack of supervision
So many of the insurance intermediary agents to stop auto insurance business, so that each insurance company has Dunsheng cold.
This newspaper has learned that there are many insurance companies now have to stay in auto insurance premiums in the hands of intermediaries, if they stop the vehicle insurance intermediary agency business, then the insurance company will be immediately and settle these premiums receivable.
October 8, the Shanghai branch of China Insurance An official told reporters that if these companies are due to stop and Deputy Industry, to settle the premium due is not difficult, but if the herd auto insurance intermediary to withdraw from the market, then should Premium collection recovery becomes difficult, so insurance companies now pay close attention to the herd.
An insurance company told reporters that they are now ready to some of the difficulties of auto insurance ask intermediary premiums receivable, if not close, we can only each other to court.
But on Oct. 9, the reporter learned from other channels, a number of professional auto insurance intermediaries are also ready to unite and Shanghai's insurance regulatory authority to negotiate on the grounds that auto insurance rates of self-discipline to develop standards for the formation of the League of prices, car settlement Insurance intermediary operating in a difficult situation.
"Vehicle Insurance self-discipline is the ultimate form of monopoly prices of insurance companies, waiting for the money, and it certainly can guarantee profits, but the insurance intermediary to survive a crisis, the owners can not buy cheaper insurance, and it is very biased, did not meet the market norm , So we filed a lawsuit to Shanghai Bao Jianju lack of supervision. "One of the above-mentioned vehicle insurance intermediary who is responsible for Li Tao told reporters. As far as he revealed that several insurance intermediaries have been intended to form a coalition sued the Shanghai Bao Jianju to find a lawyer to prosecute directly, but because there is no insurance arbitration institutions, they only go directly to court to solve the problem.
, A law firm in Shanghai on condition of anonymity, said the lawyer, auto insurance intermediaries so as to the reasons for litigation and regulatory bodies would be enough, in fact, in the Shanghai market, the rate of vehicle insurance fees are to develop the China Insurance Regulatory Commission's permission, so that the Fees are just not able to maintain insurance losses, not to mention the price monopoly, strong cross-country risk is explicitly provided for shall not exceed 4% of the red line, if the court should be able to win, I am afraid only slim chances of winning.
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