· Commercial auto insurance is the first time to link the model to zero. The pilot will be piloted in 6 provinces and cities in May.

The commercial auto insurance reform has finally reached the stage and is open to the public after it has been brewing for a long time. Recently, the China Insurance Industry Association (hereinafter referred to as the “China Insurance Association”) publicly stated on its official website that it has revised and completed the “China Insurance Association Motor Vehicle Business” in accordance with the “Opinions of the China Insurance Regulatory Commission on Deepening the Reform of the Commercial Vehicle Insurance Clause Rate Management System”. Insurance Model Clauses (2014 Edition) (hereinafter referred to as “model clauses”), and began to publicly solicit opinions. According to the deployment of the China Insurance Regulatory Commission, the commercial auto insurance fee reform pilot program will be issued after the Spring Festival. In May, pilot projects will be carried out in six provinces, municipalities and autonomous regions in Shandong, Heilongjiang, Guangxi, Chongqing, Shaanxi and Qingdao.
â–  Commercial auto insurance is the first time to link the vehicle to zero ratio. It is understood that the reform of the China Insurance Association in accordance with the law of large numbers, the establishment of the property insurance industry commercial vehicle insurance loss data collection, measurement, adjustment mechanism, the dynamic release of commercial auto insurance benchmark pure risk premium form, It provides a reference for the property insurance company to scientifically determine the commercial auto insurance rate; the property insurance company scientifically calculates the benchmark additional premium according to its actual situation, and reasonably determines the independent rate adjustment factor and its adjustment standard. According to the development of the market, the commercial auto insurance rate of property insurance companies will be gradually expanded to determine autonomy.
On February 3, Liu Feng, director of the Insurance and Insurance Department of the China Insurance Regulatory Commission, said at the news conference of the auto insurance reform that the commercial auto insurance fee reform had a more rational and mature market and perfect supervision means compared with the attempt to launch vicious competition a few years ago. Therefore, “guaranteeing the overall stability of prices” is the most critical factor in this reform. "After the auto insurance rate reform, the basic premium will not be directly determined by the price of the car, but from the replacement price standard of the car." Liu Feng said.
For the first time, the introduction of the pricing concept of “zero-to-zero ratio” and the introduction of the pricing of auto insurance rates has undoubtedly become the highlight of the commercial auto insurance reform.
â–  The insurance industry pays attention to zero-scale ratio. According to relevant statistics, the maintenance price difference between different automobile brands and models is quite different, especially in the same price zone, the same parts of each model, the price difference of the same functional parts is huge. And the price of the accessories directly determines the level of maintenance costs.
In this regard, this model clause proposes a measure of the zero ratio of the commercial auto insurance rate linked to the model. The difference between the vehicle spare parts and the whole vehicle price is determined by the difference between the vehicle price and the whole vehicle price.
In fact, the insurance industry has been paying attention to the zero-quantity ratio. As early as April 10 last year, the China Insurance Association and the China Automobile Maintenance Association have disclosed the “zero ratio of complete vehicle parts” and “50 items” for 18 common models. Loss of parts zero ratio "two coefficients. In the study of the zero ratio coefficient of common models in China, the two associations found that among the 18 parts of the vehicle, the coefficient of the 18 models is 1273%, the lowest is 272%, and the highest value is 4.7 times of the lowest value; Among the zero-to-ratio ratio of the vulnerable parts of the item, the highest coefficient among the 18 models is 223%, the lowest is 77%, and the highest value is 2.9 times the lowest value. The most common understanding is that the coefficient is 1273%. If you replace all the accessories, you can buy 12 new cars at the cost.
■ The adjustment time left for the car companies is not long. “The pricing of vehicle commercial insurance based on the vehicle zero ratio is actually a normal measure. The commercial insurance experience of developed countries such as Europe and the United States also proves that this measure is even more Can protect the rights and interests of consumers." Li Hui, general manager of Beijing Huayang Aotong Automobile Sales Co., Ltd. believes that the commercial auto insurance reform has a positive effect on the protection of consumers' rights and interests. However, for dealers, it has a certain impact. Li Hui said, "The auto insurance rate is linked to zero ratio, which will make the purchase of spare parts and maintenance prices that are originally high, and the cost incurred in the later use will increase again. It is easy to cause customer complaints to rise, thus affecting Customer loyalty, again increasing the cost of user loyalty, may be more profitable than repairing and selling spare parts."
Senior car commentator Zhang Zhiyong said that the China Insurance Association’s reform on the zero-to-integration ratio of commercial auto insurance rates to automakers has had a profound impact on the future strategic decision of automakers on zero-quantity ratio. He said: “With domestic autos With the gradual maturity of the consumer market, consumers are concerned not only with the cost of car purchases, but also with the cost of post-use maintenance and other expenses. The commercial auto insurance rate is linked to zero-to-zero ratio reform, which will enable consumers who purchase zero-to-high ratio models to use later. As the cost rises, users who purchase new cars may also use this cost as one of the reference for car purchases, thus losing a certain price advantage for vehicles with a high ratio of zero. It is necessary for the relevant car companies to adjust the zero ratio of their products accordingly."
In the current imperative of the reform of commercial auto insurance rates, the transition period left to the car companies to adjust accordingly is not too long.
It is understood that the China Insurance Regulatory Commission will promote the model clause and will promote it to the whole country according to the pilot situation after the pilot work is started. Liu Feng said that after the model clause was issued and solicited, the official pilot program is expected to be issued after the Spring Festival. After the insurance company's back-office, software, insurance policies and other preparations have been completed, there is only about three months left before the official start of the pilot.
Auto insurance still has room for improvement According to the official website of China Insurance Association, the new model clauses and supporting documents have been significantly improved and improved in six aspects compared with the current commercial auto insurance clauses and documents.
The first is to expand the scope of insurance liability and improve the ability to guarantee services. In the three risks, “the insured person and the family members of the driver’s personal injury” are included in the coverage.
The second is to solve the problem of "no responsibility, no compensation." The model clauses have improved the proportion of compensation for car accident accidents and subrogation. If an insured has caused an insurance accident due to damage caused by a third party to an insured motor vehicle, the insurer shall actively assist the insured, and the insured may also directly claim from the insurance company. This solves the problem of the so-called "no responsibility or no compensation" in the terms.
The third is to clarify the concept and expression of ambiguity. Further clarify the relationship between insurance liability and exclusion. Further clarify the scope of the “third party” and include “insurance applicants” in the scope of the third party. It is further clarified that the scope of the “vehicles on board” is “the person who is in the body of the insured motor vehicle or on the vehicle body at the moment of the accident, including the person who is getting on and off the vehicle”.
The fourth is to streamline additional risks and expand the main insurance. 23 additional risks that have little meaning to the actual risk protection of consumers have been deleted, and the additional insurance “cannot find third-party special insurance” has been added.
The fifth is to streamline the optimization of the terms and conditions. The optimized term structure is “General Provisions for Personalized Terms of Four Main Insurances”, which greatly simplifies the structure of insurance terms.
The sixth is to standardize and optimize supporting documents to facilitate consumer claims. The agreement on “the next day is effective at zero hours” in the insurance policy is deleted, and the principle of freedom of contract is adhered to, allowing the insured to choose between “zero hour guarantee” or “immediate effect”.
For the changes in the new model clause that allow consumers to make choices in the “immediately effective” and “zero-time guarantee” and “no liability and compensation”, Qiu Baochang, head of the China Consumers Association’s lawyers’ group, pointed out that this is the insurance industry The rules return to the performance of common sense, but there is still room for improvement.
He said: "The new model clause is to change the original unreasonable content into a relatively reasonable one. It is only from the past 100 steps to the current 50 steps."
He believes that consumers should take effect immediately after purchasing insurance. "In the past, there have been many cases in which an accident occurred before the insurance took effect, but the insurance did not compensate. This is legally unreasonable."
In response to the "no responsibility or no compensation" problem in the past clauses, Qiu Baochang expressed his opinion: "'No liability, no compensation' is actually an infringement of consumer rights. Consumers should get protection of their rights when purchasing insurance. It’s not reasonable to be responsible for it.”
Qiu Baochang expressed his views on the direction of the future model regulations. He believes that: "The model regulations are formulated by the China Insurance Association, and the formulators naturally set the rules from the perspective of the insurance industry. The appeal should be changed to be made by a third-party organization to ensure fair and reasonable rules."
Dealers quickly seek new business opportunities In the new "Model Regulations", the risk of car owners has been further clarified. Among them, the China Insurance Regulatory Commission has proposed a real-time dynamic formation mechanism for the model clauses, risk premium schedules, and rate adjustment factors and standards. “Most low-risk car owners will definitely get lower (premium) prices, but high-risk car owners' premiums will be raised, one high and one low, and the overall market price is stable,” said Liu Feng, director of the Insurance and Insurance Department of the China Insurance Regulatory Commission. " Such policy measures will inevitably lead to the development of car owners in the direction of healthy driving. At the same time, it will also encourage car owners with insurance claims to make a self-balance between the insurance reimbursement expenses and the increase in the premiums for the second year." Beijing Huayang Aotong Li Hui, general manager of Automotive Sales Co., Ltd. said, “We are looking for new business opportunities for market dynamics. At present, we have launched a 'quick recovery' service for our customers, generally small scraping and small collisions, without repainting. Under the condition of using the technician's technology, the same effect as the original is achieved, which saves the material cost and saves the working time for the customer. The cost of the second year's premium increase caused by the customer's insurance claims is much lower. The user acceptance of this service is also increasing."
What is the "zero ratio"?
The so-called "zero ratio" is the ratio of the sum of the prices of all the spare parts of the vehicle on the market to the sales price of the whole vehicle.
On April 10, 2014, the China Insurance Industry Association and the China Automobile Maintenance Association issued two common models of “complete vehicle parts zero ratio” and “50 items of vulnerable parts zero ratio”, which is the specific model. The ratio of the price of the accessories to the sales price of the vehicle.

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