Calculation method of car insurance

 

(a) calculate the vehicle damage insurance and third party liability insurance premium

　　1 The vehicle damage insurancePremium calculation

(1) according to the insured category, the use of vehicles, seat / tonnage, the useful life of vehicles, car purchase price of the grades of search and the premium rates based on;

Insurance premium = base premium + (the new car to purchase starting price - new car to purchase price of grade rate) x

As a family car as an example, table rail car purchase price first behavior grade, is divided into 5 grades: 50000 yuan, 50000 ~ 100000, 100000 ~ 150000 yuan, 200000 yuan, 150000 ~ 200000 ~ 300000 yuan. Basic premium each grade corresponds to the minimum premium is the grade (grade point corresponding to the premium rate), is the actual car purchase price and grade point of difference rate.

 

   Calculation method of premium illustrated as follows:

Example 1: suppose that the insured vehicle vehicle age ranged from 4 to 5 years, the new car to purchase price of 200000 yuan, is the new car purchase price of grade 200000 ~ 300000 yuan files (grade segment does not contain the end containing the starting point), the base premium on the rate sheet corresponding to 2166 yuan, while the actual the new car purchase price is exactly the grade point (200000 yuan), the vehicle insurance premium is 2166 yuan.

Example 2: suppose another vehicle vehicle age for 4 ~ 5 years, was in the new car to purchase price of 250000 yuan, is the new car to purchase price level as the 200000 ~ 300000 yuan file; the base premium in the rate sheet corresponding to 2166 yuan, the rate shall be 1

38%; premium =2166 + (250000 yuan -20 yuan) * 1.038% = 2685 yuan.

(2) if the insured not full insurance coverage, which is less than the new car to purchase price, the premium should be adjusted accordingly, the formulae for:

Insurance premium = (0.050.95 X amount / new car to purchase price) standard premium * full insurance

(3) more than 36 business passenger car purchase price less than 200000 yuan, according to 20 ~ 36 a business coach corresponding grade premium collection;

(4) the trailer insurance fee levied at 50% with the corresponding grade tonnage truck insurance premium.

　　2The third party liability insurancePremium calculation

(1) according to the insured category, the use of vehicles, seat / tonnage, the useful life of vehicles, the limits of liability directly find premium;

   (2) the trailer insurance premium by the 2 tons of the following car collection (limit of liability for the reunification of 50000 yuan).

(two) to calculate the additional insurance premiums

　　1Whole vehicle pilfer

According to the insured category, the use of vehicles, seats, vehicle service life search and the premium rates based on;

Insurance premium = base premium + amount x rate

2 Passenger liability insurance(the rate table 7  2, 7 - 3, 7 - 4)

According to the insured category, the use of vehicles, seats, the lookup rate.

One limitation of liability insurance premium = x x rate of seat number

 

Note: if the liability limit of 1000000 yuan of above, the insurance fee of =A+A * N * (0.034-0.0013 * N) in which A refers to the same grade limit for 1000000 yuan third party insurance premium; N= (limited to -100 million) /50 yuan, limit must be a multiple of 500000 yuan, and shall not be more than 10000000 yuan.

 

 

According to the limitation of liability, divided business, non business use of search rate. A minimum liability limit of cargo liability insurance for 20000 yuan.

Insurance premium = base premium + (liability limit -20000) × rate

 

 

Non business use of passenger cars

　　5 Non deductible clause

Premium = Application and all insurance premiums receivable of the clause (excluding non indemnity and risk correction) * 20%

　　6 Fire, spontaneous combustion, explosion risk of loss

Fixed rate 0.6%.

The amount of insurance premium rate = x

If the single insurance risk of spontaneous combustion, the fixed rate of 0.4%.

The amount of insurance premium rate = x

7 The risk of loss (body scratchRates are shown in Table 77)      

Press the new car to purchase price of direct search premium grade.

　　8 Stop loss insurance

Fixed rate 10%.

Insurance premium = agreed the maximum compensation days * agreed maximum daily limit of liability * rate

9 no fault liability insurance

Limits the maximum liability without negligence liability insurance for 50000 yuan. Base premium for 50 yuan, the rate shall be 0.5%.

Insurance premium = base premium + liability limit x rate

10 rescue clause

Only after the purchase of the vehicle damage insurance to buy the additional risks. A fixed premium, without calculation, the premium for 150 yuan.

11The insurance (rate table 7 - 8)

 

Press the new car to purchase price of direct search premium grade.

 

(three) risk correction

(1) single insured, premium according to the "bicycle" risk correction coefficient table (Table 7  9) adjusted;

Insurance premium = standard premium * (1- risk coefficient)

(2) insurance premium according to the team, "team" floating rate coefficient table (Table 7  10) adjusted;

Insurance premium = single premium * floating rate coefficient

(3) single risk correction and team of floating rate cannot be used at the same time;

(4) single risk modification or team of floating rate is only applicable to insurance for a period of 1 years of insurance policy.

In the rate table, involving piecewise representations are construed in accordance with the "without end" with the starting point of the principle of.

For example: the vehicle type "the following" two words, means that does not contain its own meaning. "6 the following passenger car," refers to the free bus 6, which means 5 seat, 4 seat, 3 seat, 2 seat, 1 seat; "6 to 10" means 6 seat, 7 seat, 8 seat, 9 seat, 10 seat does not contain more than 20 seats; "" the meaning of the 20 seat, 21 seat...... (including 20); "100000" does not contain 100000; "10 to 200000" contains 100000, not including 200000; "200000" contains 200000.

Note: while enjoying a number of discount of insurance, the premium calculation using multiplication method.