Insurance companies in Shanghai have been looking forward to see auto insurance costs a single system to be implemented. In recent days, some reporters from the Insurance companies have found that Shanghai has drawn up from November 1, launched in the city's motor vehicle insurance, "see a single fee" system. At present, the company has good practice processes, financial processes, systems processes, such as the convergence process channel preparations.
Vehicle platform to monitor the entire process
The so-called "see a single charge" is a customer to purchase auto insurance, the insurance agent or counter a single point for payment, to be issued by insurance companies of the financial system to confirm the information after the completion of a final single. Prior to this, the system has a number of provinces and cities across the country take the lead in implementing and Insurance Company into liquidation due premiums effective tool.
And other provinces and cities, Shanghai as early as 2004 on the establishment of the Shanghai motor vehicle joint information platform, according to the charge of the vehicle Chuxian, regulations, to determine the second year of auto insurance premiums. See a single fee will be completed under the supervision of the platform. As a result, Shanghai's see the implementation of a single-fee system with the vehicle information platform combining the need to address early on a lot of technical problems.
Shanghai Branch of China United said, "see a single fee" system has insured more direct channels, more transparent forms of payment, insurance consumer's mind at rest claims better service features. More importantly, the interests of consumers see, the responsibility of insurance companies to further strengthen, "see a single fee," can the rights and interests of the insured and follow-up services have been earnestly guaranteed.
Tian An Insurance has the implementation of a single-vehicle insurance costs see as an important measure to standardize the operation, requires that all business vehicle insurance policies issued by the insurance premium and must be completed at the same time, to ensure that the new zero-business accounts receivable.
Pave the way for management fees
Shanghai has yet to see the implementation of a single charge is one of the reasons for high auto insurance fee has not been solved. It is understood that the high fees in the auto insurance sales stage, and some Insurance companies through false claims for travel, conference fees, hospitality business such as taking illegal funds to pay for auto insurance fees. The use of the auto insurance agency fees, the purchase value of the services to attract customers, formed at the expense of insurance companies and insurance interests at the cost of a vicious circle.
High auto insurance fee to become a deadly blow to profits, insurance companies pushed to the brink of loss. In early August, signed the Shanghai Convention on the new self-regulatory vehicle insurance, auto insurance fees return of "15% +4%" standard level, dramatically reducing the cost of sales. Complete standardization of fees, and then see fees in a timely manner to promote a single system, like a roll.
See the single largest cost of resistance from auto insurance intermediaries. After the reunification of the Shanghai auto insurance fee, a considerable number of agencies did not profit margins have been stopped and new business. Vehicle Insurance intermediaries have the right to speak of the situation in which a major change took place, those who survived the most comprehensive auto insurance agencies more power, in favor of a single fee see the smooth progress of the system.
An auto insurance agency said that in order to be able to adapt to see a single fee request, has prepared tens of millions of dollars to prepare a premium to buy insurance policy limit. However, the reduced fee income, vehicle insurance intermediary to really cause a lot of pressure on the operators.
The industry that charges a single solution to see that the Insurance Company's cash flow problems, specification and handling charges to resolve the issue of cost of sales. At present, property insurance companies have been plunged into a loss, should be the key to solve the profit.
Vehicle Insurance competition to find new Mode
Insurance companies in Shanghai has more than 40, more and more of the main means that the auto insurance market will not stop. However, with the fee being unity and see a single charge of the implementation of the original price-led competition auto insurance system has been on the verge of collapse, the regulatory authorities for product, channel, the fee designated runway, turning to competitive auto insurance services.
Shanghai Branch of the Chinese insurance official said, "see a single fee" model into the insurance market in Shanghai will become the leading full service insurance companies to upgrade and enhance the competitiveness of our companies an opportunity.
It is understood that the price competition on the immediate Insurance companies, especially new, small companies favor. In contrast, investment services, competition, slow effect, the insurance company can not be easily completed the annual performance evaluation. However, the long-term interests, was recognized by the market those services, consumers trust the insurance companies.
Regulators in a row out auto insurance market, designed to help the Insurance company profits. Insurance companies of a certain person in charge said the business a competitive basis, the Corporation is a direct response to business ideas. If you head to the size of the business as the focus of the evaluation system, then the grass-roots organizations will tend to be low levels of price competition; On the other hand, if the head office from the operational effectiveness of the company, then the grass-roots competition will be closer to the service system.
Shanghai is the number of Chinese-funded Insurance Company headquarters, Taibao the earth, Cheonan, Volkswagen, balance, and bring peace and stability, Yong-cheng, have a foothold here, for auto insurance services to competition have created good conditions.
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