With the domestic Beijing, Shanghai, Guangzhou, Shenzhen and other first-tier cities limit the number to purchase a car to implement, "regional subsidence" become the automotive sales force, which, from the Chinese Automobile Industry Association released this year2010Years1-10See on the automobile consumption trend, the regional market of large city following occupy86.61%Market demand.Regional market this year will still be the absolute main automobile consumption.
Domestic61Automobile enterprises2010Years1-10On the regional market sales
While the car commercial insurance as the automobile consumption subsidiary must, with automobile consumer China explosive growth, in recent years, into a geometric growth trend.Especially this2Years of wind telephone car insurance market, forming a broad and good cognition in young people in the city "white-collar" as the representative, is the annual to100%Speed multiplier.The China Insurance Regulatory Commission official quoted the latest data:2010The formation of years telephone car insurance market200Billion premium volume, is expected this year is expected to break through400Billion.
2011In Chinese PICC, Ping An insurance, Pacific Insurance etc.3Giant disputes, the remaining9Home insurance enterprises making after the competition pattern, the telephone car insurance will usher in the fierce competition of the year.In the face of China automobile consumption "sink" trend, how to telephone car insurance regional marketing?How to deal with the risks?Here, thinking to provide some analysis ideas for reference only.
"Sink" is mainly reflected in the two or three, the four line of the market and regional marketing strategy, focus this year is a high risk in the telephone car insurance market concern, it covers two points:
Regional strategy of telephone car insurance policy direction, from the big perspective, mainly constitutes by two aspects, one is the distribution channel, the telephone car insurance products and services to consumers around the shop, can easily buy and enjoy related services; on the other hand is the construction of media channels, the product and service shop to the consumer psychology, so that consumers are willing to buy the telephone car insurance products and services.
The distribution channel construction -- the shop to the consumer product
Mention of distribution channels, many people will ask, the telephone car insurance is by telephone sales, why to set up distribution channels?The telephone car insurance is for the insured, and door-to-door delivery services such as single, door charges to local area; at the same time, the loss and claims and other back-end services, also need to branch to complete.This point, in the current telephone car insurance market, only PICC channels and outlets of the most comprehensive, the most competitive.One of the main forces of the telephone car insurance as PICC Property insurance market competition in the future, this is the advantage be richly endowed by nature.
PICC Property as the biggest domestic property insurance company, has set up61Years.With the change of market development, PICC gradually the product marketing channel as the future business development and new business development of the "core competence".Form the people insurance telephone car insurance "regional marketing" marketing system is completely dependent on the PICC to optimize and upgrade.
According to the regional market, PICC telephone car insurance nationwide300A number of big, in, small city, developing mobilePOSCharge, the accident vehicle rescue service, managed, fault claim schedule query, claims in the field Commissioner, electronic payment, agency services, services, legal services, medical manager10Value-added services to optimize.The county, town, township regional market network coverage and service upgrade.
At present, PICC telephone car insurance integration in the Beijing area25A claims center resources, to achieve the city's "claim", the owner can press the "nearest distribution principle" towards the nearest damage, repair and enjoy claims service.Beijing regional life insurance not only can choose in the vehicle insurance customer telephone65Home4SShop to enjoy one-stop service claims, also can be the nearest to the with the people's insurance contract121A cooperation4SStores andATypes of repair factory,448A remote set loss center will be damaged, repair.The service person insurance telephone car insurance will be expected to start gradually in the nationwide this year.
In this way, no matter in which regional market, as long as the owners call the national reunification insured telephone, you can easily enjoy the people around insurance telephone car insurance bring service experience.
For more sales channels, in foreign countries should be "three-in-one" or "four in one".The orientation of the marketing channel mode of insurance companies in China will be a combination of sales and limited choice partner two modes.Other companies such as safe in its channel construction is not perfect circumstances are also actively looking for the post office to send a single system and cooperation and comes to collect fees service.
Thus, regional marketing channels will be the basis of market competition "".
Regional marketing promotion -- the shop to the consumer product in the heart
Regional marketing, which is the basis of the distribution channel construction, the next step is to"The construction of regional marketing system of consumer satisfaction".Especially for the insurance enterprises have got the "quality customers", how to maintain the customer loyalty directly and full year operating income.
As a service industry, consumer experience is not good, may choose to 'leave'.So to get a better market share, to expand sales for the purpose of.In the research on consumer psychology service oriented marketing '' is also very important!
How to maintain the quality of old customers and develop new customers and new market is one of the major research insurance business at present.PICC Property insurance market as' big brother ', with the telephone car insurance market last year's "blowout" situation, people's Insurance telephone car insurance at the beginning of the new year began to re layout and optimization of regional marketing."4001234567"Launched against new number is the regional marketing strategy of" starting gun".4001234567The new numbers will be more beneficial to the memory of consumers, is more suitable for the telephone car insurance target audience80`S,70`SThe young consumer's individual needs.
With the new number upgrade and customer experience, PICC telephone auto will launch the marketing activities across the country, through the positive efforts to upgrade and regional media extensive cooperation and cross industry cooperation and other forms, to establish insurance telephone car insurance long-term brand loyalty and emotional reputation.2011Two or three line city telephone auto insurance business in addition to all through the Chinese each place, let the telephone car insurance business in all 10 million owners of the line of sight, in the "regional subsidence" marketing trend, the owners to enjoy the convenience and service telephone car insurance and other benefits, is expected to close with the pioneer City, implement unified