Private cars, a year out of a few times will affect the premium for second years? Claim amount last year will not affect the annual premium? A few days ago, Mr. Lin told friends chatted this topic, that we do not like the answer: some said one year out of two insurance will not be affected, some said only once, others say about the claim amount...... The truth is what? Mr. Lin turned to the "auto passepartout".

　　A few times can affect the insurance premium?

Insurance policy are not the same, the owners need to find out

The reporter consulted several major insurance companies, found a gap. But every year, preferential policies of insurance company can be adjusted according to their own circumstances, models are not the same, the policy will be different, the specific situation is quite complex. The reporter asks the policy, are for the ordinary family car.

However, the insurance company premium discounts, only to old customers business risks, if midway change insurance company, even a year only one risks do not enjoy preferential premium. Cross strong insurance is, as long as a risk, next year will not discount.

Peace: a year out of time, does not affect the annual premium. If out of 2 times, will see the settlement amount: total amount of claims not more than last year's premium, you can enjoy the same preferential and last year; if more than, will increase. "Last year's premium", how much? Security staff to look up: premium is not included in the cross strong insurance, 150000 yuan to the car as an example, if the three insurance 300000 yuan, a year before the commercial insurance premium discount roughly about 2500 yuan.

　　The Pacific Ocean(5.90, -0.03, -0.51%): out of the two (including two) within the prices do not rise, commercial insurance. Just look at the numbers, do not look at the amount of.

Paul: no danger or only one insurance, premium 30 percent off based on standard insurance premium, the electric pin can be enjoyed in about 15% off. Out of two times, folded after the 15% off will no longer enjoy. If out of three times, three times the claim amount added up to no more than one year premium (150000 yuan a car about 2500 yuan), but also can enjoy a discount based on standard insurance premium. More than the premium, it is no longer enjoy discount, may even float.

Life: the premium and accident related. 3 times out of (with) more, raise premiums 8%.

The earth: out of 2 (including) to enhance the premium.

Zhejiang: out of a times will no longer enjoy preferential. The 2 is to raise 10%.

The insurance premium discount the gap is not small, this kind of behavior Is it right? Allowed? The reporter understands, in 2003 January, China Insurance Regulatory Commission has launched a comprehensive insurance market reform, cancel the insurance clauses and premium rates of the unified national promulgated. However, over the next few years, because of the height of the siege of low rates, discounts, high loss ratio, auto insurance market almost industry wide losses. In 2006, China Insurance Regulatory Commission to rectify the unhealthy competition of auto insurance market circumstances, the sum of all preferential formally request the insurance company since June 1, 2006 to give the insured shall not exceed the benchmark rate of 30% insurance.

The reporter understands, for more than 7 years, the most 30 percent off insurance premium discount is still the insurance company's bottom line. However, the electric pin and net sales of insurance products, can play in 15% off on the basis of 30 percent off.

September 23rd to October 10th last year, the China Insurance Regulatory Commission had "on the strengthening of commercial insurance clauses and premium rate of motor vehicle management notice (Draft)" to solicit comments from the public, and in March 8th this year, officially released the "notice", caused a guess: commercial insurance fee rate is expected to "infinite discount". However, the reporter learned from the insurance company, still need to perform the CIRC 30 percent off bottom line. Zhang Weili