Break out the dark deduction has been lower than the statutory 30 auto insurance higher fees "can not be said of the secret"
As for life insurance market even misleading sales of insurance, auto insurance market disorder caused by vicious price competition in the sale of non-standard has been criticized for being. Rectification and regulation in the sector, the auto insurance market, previously made a great noise in the price war uneventful appearance was behind the surging undercurrent.
Recently, the Securities and Insurance Journal magazine reporter for more than the price of auto insurance Insurance companies, auto insurance intermediary in-depth investigation.
Discount: 30 broken lower limit
As early as two years ago, the China Insurance Regulatory Commission promulgated the "Regulations on the vehicle to further strengthen supervision of insurance issues relating to the notice." According to the document, since July 1, 2006, the property insurance companies, through preferential treatment without compensation, with the people, factors such as escorts to give policyholders the benefits of all auto insurance products must not exceed the sum of the base rate of 30%. Auto insurance discount that is not less than 7 fold.
At present, in Beijing for auto insurance discounts will be made more stringent restrictions on the minimum 7 from the discount rose to 7.7 fold. However, each Insurance Company is strictly enforced to the letter by 7.7 fold to break the limit, but it is not known.
Beijing-Xia Automobile sales service companies, told reporters, according to the minimum requirements insure a new car hit 7.7 fold, but we still 8.2 fold after fold of the concessions have been 4740 yuan of premiums can be straight down to 3900 yuan. People's Insurance and the Pacific (601,099, and shares it) can enjoy the benefits.
"But the Chinese joint auto insurance discount after not discount, however, if the units take the risk mission, the price could be 400 yuan discount 8.5 fold again." The salesman said that if the rest assured that she can take to introduce the unit to obtain concessions After the settlement of claims as long as the time to build the chapter on the line units.
Net insurance for a long time people are given security, the Pacific, 7.7 fold after peace has donated several hundred dollars of preferential oil card. Staff told reporters, in fact, we are also playing a 7.7 fold after 8.5 fold, but oil is sent in the form of a discount card.
Chinese Insurance Company of the Joint Staff also suggested that if the owners of personal insurance, the premium discount the minimum 7.7 fold, but take the risk mission units, lower than 7.7 will be able to enjoy the premium discount. However, he told reporters that the new car was also hit by 7.7 fold back to the oil card, a discount, are in fact disguised price, which is inconsistent with the provisions of the industry.
If the above-mentioned actual reach about 6.3 fold in disguise discount prices broke through the 7.7 limit, or its marketing strategies adopted by some to cover up, then straight to the point that it is folded 7 of the Fengmangbilu.
Huatai Insurance staff will be given directly to 7.69 after the discount offer, as well as back to the oil card to send the oil marketing activities.
Hua An Insurance Company, according to a staff of the company stores only direct sales, there is no intermediary agent, so to save the agent fee to the customer feedback, there are 7 fold benefit.
Insurance companies secretly for some breakthrough in the 7.7 fold, an intermediary said that most of the paid-up insurance company or required to do, mainly sales Rangli back to their own retirement. In addition, the different channels, different prices.
"And the rate of non-traditional channels, telephone sales vehicle insurance premiums will be able to discount some more. 10% discount is also possible." Ping An Insurance told reporters work, electricity sales have also been considered in terms of the insurance report to the China Insurance Regulatory Commission , The same as the terms of norms and traditions. Even if customers are not required to explain specific provisions, some do not have to worry about.
Fee: above 15%
Reporters call the car more than 4S shop when asked about the new car insurance payment, without exception, the salesman replied, with the exception of the premiums apart 7.7 fold concessions on the phone this inconvenience, to interview specific price.
Beijing, a special sale Peugeot 4S store clerk told the reporter that "In fact, the oil card and return the money back to the discount is the same, we are back from the break after years of the purchase price and then discount the cash premium."
The reporters made requests concessionary, and a PICC Property Insurance and Ping An Insurance co-operation of the 4S shop salesman frankly, "on a new car insurance, we can only give preferential treatment to 7.7 fold, there are several insurance companies to lower premiums We are looking for negotiations, but we did not consider. You pay for whatever you, a lot of owners plans to buy a cheap low price of insurance, resulting in a vehicle accident when the insurance companies reduce the cost of the repair to the bar for bars, jerry-built, the owners back The car has depreciated. We are such a common thing. "
These staff also told reporters that insurance companies pay-at about 63% premium to play a 7.7 fold, while the remaining 14% of the insurance companies operating costs. If the premium discounts lower than 7.7 fold, while the intermediate to high fees, insurance profit to be difficult. May be the next to take measures to increase the Chuxian the high rate of premium car owners.
The indisputable fact is that in 2003 the rate at the beginning of the market, in order to avoid various Insurance companies race to keep the prices down, and attached Chesun Xian China Insurance Regulatory Commission provides insurance agent fees shall not exceed the paid-up premium of 15%, third party liability Insurance fees can not exceed 8%. However, auto insurance and vehicle insurance intermediary that is directly related to the distributors, agents, brokers and companies such as auto-repair business in sales of commercial insurance, the insurance companies to pay their commission fees can not exceed the maximum premium of 15%.
However, insurance companies paid to the intermediary company's high fees but also between them can not be said of the secret. However, insurance intermediaries are tight-lipped.
Reporter of the Advisory why can such a low premium, the agent of the Security Insurance companies such as a Beijing intermediate staff's high vigilance, "We are agents, insurance fees to, as this is not how much you care about the The matter. "
Xiamen certain insurance intermediaries is that some insurance companies pay agents fees of up to the actual rate of 25%.
In this regard, the capital of Economic and Trade University of Health Zhu believe that the settlement does not include strong insurance, Insurance companies in businesses such as Che Sunxian payment of the cost of 65% -75% in, such as fees and costs as much as 35% -45% of the average down There are 110%. As a result, pay high fees for low-cost strategy and small companies, is underwriting its losses.
Deputy High: hidden liability risk
Ping An Insurance, such as the above-mentioned people in the industry believe that the Insurance companies in the auto insurance business, "赔本赚吆喝", a number of mainly small scale, weak power companies to quickly enter the market and non-normal prices, low Price strategy and the company contend, to seize market share.
The capital, University of Economics and Business Insurance Institute of Health Zhu also believes that small enterprises have difficulties in the network, brand and services and can not be more than large enterprises, so only by competitive price cuts.
Chu Chun-sheng, the rapid expansion of the company's high-and low-price dumping charges when they led to an underwriting loss, the insurance companies to make up for the loss can raise funds through the use of capital and to achieve Kuogu. However, this two ways walk difficult to pass, the snowball has become a magic weapon to make up for loss of business. However, in this way is very dangerous, because a lot of internal and external factors, such as news, executives of all of a sudden change in personnel, regulatory penalties, etc., may lead to cessation of business growth. Once the company expected growth stagnation, the capital chain might be broken, the snowball does not play games on the go.
In addition, if the insurance companies to pay high fees, the cost of facing the problems come from the final refund is nothing more than false, false Peian, business revenue and do not hang off the premium receivable, but also in violation of regulatory requirements. In order to complete the mission plan, most companies will choose grass-roots non-payment or a disguised form of paying the high fees and agent commissions, and therefore bear a great responsibility for risk.
It is understood, 1-Sept China Insurance Regulatory Commission ordered the replacement of 60 executives, of whom 22 were replaced in the third quarter; a fine of 16,272,000 yuan in the third quarter accounted for 20%. The main issue of violation of laws and regulations in the insurance intermediary with the in-house operation, for example, some insurance companies through non-existent business expenses, false endorsement refund, false surrender, the yin and yang, such as policies taking money to cover high fees , The exhibition industry, the cost subsidize marketing or other interests of the insured contract.
"See a single charge": insurance companies would like to see
Limit to break out of a certain extent, contain a number of Insurance Company of legitimate non-competitive behavior, and "see a single charge" is to implement non-standard auto insurance market was a strong medicine.
In order to prevent insurance companies from the source through the intermediary sales accumulated risk premium due, after the China Insurance Regulatory Commission issued "on the strengthening of the insurance premium receivable management issues," which called for the strengthening of property insurance premiums receivable Management and recommended the promotion of "see a single charge."
Analysis of the industry, in fact Jian Guanceng is willing to "see a single fee" system, but throughout this Baojian Ju different view. Now Beijing, Shanghai, Xiamen and other places have been implemented. And if some parts of 4S stores and other intermediary agencies have more resources to clients in the past are not on a single charge.
Economic and Trade University in the capital that Zhu Sheng, see a single fee is in favor of insurance premiums receivable management, and prevention of financial fraud and other illegal violations. This is technically prevent the premium from the insurance companies and intermediaries in charge, and other secret operations. However, new car sales fees as high as 30%, 40% is the result of market competition, "see a single fee" does not necessarily solve the problem fundamentally, the premium may be blocked from the back of high fees deduction, but to force In the market competition, insurance companies will come up with other ways to pay for the excess charges, such as non-existent, and other operating expenses.
"See a single charge of the implementation of various insurance companies is beneficial, we welcome such a system. Receivable greatly reduce the risk premium, and an intermediary can not be delayed to pay the premium, the premium occupied." Ping An Insurance of the above That the person concerned.
However, I think intermediaries, see a single charge of insurance companies is beneficial, but also to our agents increased the trouble.
Zhu pointed out that those who pay higher fees, the implementation of the dumping of low-cost insurance, they should be allowed to compete in the market acceptance of the operating loss in the test, we should not continue to operate out. Regulators may consider arrangements for the mechanism of insurance companies.
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