According to regulations, vehicles a year without insurance, premium 31% off renewal; if a year out of 8 and above, the premium up to 3 times; if the vehicle five years not be or get out of danger, the premium will be the minimum downward float of 60%.

Beijing Insurance Industry Association relevant responsible person said, commercial insurance premiums and claims records will link the implementation, namely according to the vehicle past claims records, simplify the rate adjustment coefficient, increase the floating interval the number of claims, the safe driving owners can enjoy preferential premium.

It is understood, the draft for comments from today onwards, for a period of one month, according to the draft amendments submitted to relevant departments for the record, the full implementation of the insurance industry in Beijing. The plan next year, formally implemented on January 1st.

Data shows, in the insurance business insurance for more than a year in about 60% vehicles, vehicle without a loss, these vehicles can enjoy a 31% premium discounts in the second annual renewal. There are about 15% vehicles in the first year only happened once claims, second year renewal can enjoy a 19% premium discounts; about 19% vehicles occurred 2 ~ 3 times of loss, second annual renewal premium and standard premium flat.

According to the Beijing insurance industry association to provide NetEase financial information, floating after the implementation of the scheme, calculation of commercial insurance premium may refer to the following cases:

A five seater car, for 100000 yuan car damage insurance and 100000 yuan commercial three party insurance, the premium for 2594 yuan. "Plan" after the implementation of floating rate, if last year was no claims, "no claim discount and the last claim record" coefficient is 0.85; two items including commercial three party insurance, insurance and insurance and the average annual mileage is less than 30000 km, the two preferential coefficient was 0.9; in addition to the car not old the new models, the above factors, the final rate floating coefficient of 0.6885 (0.85 x 0.9 x 0.9), shall pay the premium of 1785.97 yuan, saving 808 yuan premium.

Is this car, if other conditions remain unchanged, the next 4 years to fifth years can not be or get out of danger, premium will float down to 840.46 yuan, saving $1753.54 premium, intermediate should pay an annual premium is shown in the table below; similarly, if the car last year 1 claims, the final rate floating coefficient of 0.81 (1 × 0.9 × 0.9), shall pay the premium of 2101.14 yuan; with the increase number of claims, the premium will appear different degree rise, such as occurred 8 times and 8 times more compensation, the final rate floating coefficient will rise to 2.43, shall pay the premium of 6303.42 yuan, 3709.42 yuan more than the standard premium floating, other the number of claims shall pay the premium as shown in the following table: