Tianping auto insurance Limited by Share Ltd

The insurance premium rate of motor vehicle regulations

(2005RevisionVersion)

 

    The tariff regulations applicable to the Tianping auto insurance Limited by Share Ltd motor vehicle insurance.

    The tariff regulations by motor vehicle insurance rate, the insurance premium rate of motor vehicle descriptions of two parts.

    A, motor vehicle insurance rate table

    (a) the loss of vehicle insurance premium rate

    Motor vehicle insurance loss of vehicle insurance premium rate(Non business-Personal car)

    Motor vehicle insurance loss of vehicle insurance premium rate(Non business-Company office car)

Motor vehicle insurance loss of vehicle insurance premium rate(Business car)

Motor vehicle insurance loss of vehicle insurance premium rate(Tractor, special vehicle)

    (two) the third party liability insurance rate table (Shanghai city unified use rate table)

    Motor vehicle insurance third party liability insurance rate table of Shanghai City

Motor vehicle insurance third party liability insurance in Shanghai city to adjust the rate coefficient table

(three) additional insurance premium rate

The additional insurance premium rate of motor vehicle insurance (stolen)

Motor vehicle insurance and additional insurance premium rate (except the robbery)

(four) the special clause rate table

(five) a single car rate table

(six) motorcycle insurance rate table

Two, the insurance premium rate of motor vehicle descriptions

(a) the nature of the use of

1Non operating vehicles, including: non business enterprises and institutions, personal car car.

Non business personal car: the purchase of individual ownership, for personal or family owned, non-profit, non operating, convenient for daily life of bus or truck.

Non business enterprise car: ownership of enterprise legal persons or other organizations all production, for the production of passenger cars or trucks. The vehicle passenger, cargo behavior is not for profit.

Non operating authority: all car ownership as the party and government organs and institutions, for the completion of the daily administrative affairs of the vehicle. The vehicle passenger, cargo behavior is not for profit.

2, operating vehicles: by the Department of transportation management issued by the operating certificate in passenger transport, freight or passenger vehicle; vehicle or vehicle is to complete the commercial transfer or transport for the purpose, such as postal transportation vehicle.

For both the two kinds of nature of vehicles, high-grade rate billing.

(two) types of vehicles

1Vehicle categories"Following"Two words, is without its meaning. For example: Six"Following"Bus, refers to the bus no six seat.

2Bus: bus, seat (including the driver's seat) motor vehicle to the traffic management departments of Public Security issued a driving license for passenger car seat, seat according to the same type of insufficient standard bus seat calculation standard.

3Van: all general, truck, van, dump truck, battery truck, a crane to load but mainly hoisting transport vehicle, according to its load step charging.

Among them: the special vehicle transport container (specifically for towing containers (TEUs) vehicles, excluding container (container)) in accordance with the10Tons of freight premium calculation.

Low speed truck is refers to the public security traffic management department or its authorized local agricultural supervision departments issued a license plate number, mainly for the convenience of planting, breeding two production industry, deadweight tonnage less than2The agricultural special transport vehicles tons, suitable for2Tons truck rates.

Van with the high-grade rate billing corresponding bus or truck.

4, Trailer: does not apply to motor performance, truck, a motor vehicle towing flatbed, special machinery and equipment, such as car long suspension of car.

5, tanker, tank car, tank car, refrigerator car: applicable to all types of loading oil, gas, liquid and other special tanker, or apply for a van freezing or heating equipment. Common load truck with tank according to this document billing.

6, crane truck, truck, truck, car, car, monitoring and fire trucks, clean car, medical car, ambulance: suitable for special vehicles for various lifting, loading and unloading, lifting, stirring engineering equipment or function; at the same time, applicable to the car equipped with special equipment, professional the work of monitoring, fire protection, cleaning, medical, rescue, television, radar,XOptical inspection vehicle; post vehicle according to the file billing.

7Motorcycle:, suitable for two wheeled, tricycle, portable and disabled only electric tricycle and other kinds of motorcycle. Cargo tricycle, the tonnage of less than0.5According to this document billing tons;0.5Tons and above cargo tricycle press"Two tons truck"File billing.

According to the motorcycle exhaust into50CCAnd the following and50CCThe above two.

8The tractor, tractor: according to engine power14.7KW and14.7KW two.

(three) coefficient shows:

1, (the designated driverF1): according to the specified number of drivers and the designated driver choice whether, Is divided into: specify a, designated two, unspecified. When the designated driver selection when not specified,F2Not applicable. When appoint two when,F2Coefficient according to high count.

2The main drive, personal data (F2): according to the main drive for sex and age were chosen and used by. Calculation of the age according to the age, part of a year are not included in the.

3The age of the vehicle (F3): vehicle age is calculated from the vehicle after the factory to the vehicle management department first registration date; calculation of permission management vehicles used in a specific area not hanging vehicle licence from vehicle purchase date; consists of:1Years (excluding1Years);1Years to3Years (including1Years without3Years);3Years to5Years (including3Years without5Years);5Years to8Years (including5Years without8Years);8Years above (contain8Years).

4No claim discount (F4): no claim discount is generally used in the renewal, consists of6A grade, more than a year of reinsurance vehicles, such as to provide this loss record, can just give them preferential rates; otherwise, no compensation coefficient value1.

5, sales channels (F5): divided into agency and brokerage, direct business (counters and direct marketing), telephone and Internet serviceThreeClass. Agency and brokerage refers to the insurance agent or broker contract business; direct business refers to the company, the company staff (including marketing personnel) or counter direct contract business; telephone and Internet service is refers through our phone center or our website for business.

6, driving regional (F6): according to the use of vehicle insurance coverage, is divided into: the province, territory, entry and exit. Among them"The province"The contract between the provinces, municipalities directly under the central government, or autonomous region or one-way500Km."The territory of"The people's Republic of China, but does not include Hongkong, Macao and Taiwan area."Entry and exit"Is beyond the"The territory of"The definition of the region. Select this coefficient should be insured, the agreed place.

7(, insuranceF7): with the human factors, the main driving people (in the designated driver case) or the insured have participated in the annual record of motor vehicle insurance. Reinsurance is a main driving people (in the designated driver case) or the insured has with other insurance company for more than one year (including one year) for the record. Renewal refers to the main drive people (in the designated driver case) or the insured in the insurance company to have more than one year (including one year) for the record; the first year insurance refers to the insured vehicle without insurance record.

8The number of (, underwritingF8): according to the same insured in an insurance year, choose to use in our case the insured vehicle number, each segment including upper without limit.

9,VIP(F9): The following conditions can use the coefficient:

(1) has the long-term business cooperation and is willing to accept the company's risk prevention recommendations and measures of the customers and the company

(2)A significant contribution to the company profit quality customers or to the company strategy development have a significant contribution to the customer

10(, anti-theft deviceF10): the coefficient for the whole vehicle pilfer. Choose to use the insurance mark whether the installation of anti-theft device.

GPS(Global Positional System): global positioning system. Refers to the satellite positioning systemGPSTo measure the absolute position of ground vehicles.

GMS(Global Mobile (Communication) System): Global Mobile (infinite) communication system. Is a global automotive communication system capable of bidirectional communication.

Electronic: electronic anti-theft device, also known as the microcomputer automobile anti-theft device, including inserting type, key type and control type electronic anti-theft device. It is mainly rely on locking ignition or starting to achieve the anti-theft purpose, with sound alarm function.

Machinery: mechanical anti-theft device, rely on mechanical structure used for anti-theft device.

At the same time with two and more than two kinds of anti-theft device, floating coefficient, whichever is lower, do not repeat the calculation.

11, the parking lot (F11): the coefficient for the whole vehicle pilfer. Choose to use according to the subject matter of the insurance is a fixed parking spaces and parking places category, is divided into: fixed garage, parking, parking for open society. Fixed garage refers to insurance car park at night in their own or with long tenure in the garage for parking spaces; refers to the insurance vehicle at night in the park carpark devoted to park vehicles owned; open public parking area refers to the carpark charges insurance of vehicles at night in the public park in.

12(, modelsF12): selected according to different types of insurance mark.

13, third party liability insurance rate adjustment factor see rate table.

All the rate factor single policy using cumulative minimum0.5.

(four) the rate of depreciation

According to the relevant national standard vehicles scrapped, the straight line depreciation rate method (detailed below):

Non operating vehicles

Business

Special vehicle

Note: when the table more than two depreciation methods of vehicle for depreciation rate, the depreciation rate high.

The new car purchase price: refers to the insurance contract, the signing of the contract to purchase the same types of cars (including the vehicle purchase tax) price

Practical value: refers to the vehicles of the same type vehicle insurance market new car to purchase price minus the vehicle depreciation amount after the price, depreciation according to each year after year calculation, vehicle use period is less than one year, excluding depreciation.

The actual value= The new car purchase price*(1-Has been used for years*The annual depreciation rate)

(five) the insurance fee calculation

1Passenger car, truck, tractor, special vehicle and

(1The calculation of the vehicle damage insurance premium)

The insured vehicle damage insurance, according to the different nature of the use of vehicles, nature, type and amount of insurance, select the appropriate vehicle damage insurance benchmark rate table corresponding to the base premium and premium rate, calculating the vehicle damage insurance benchmark premium according to the following formula:

The vehicle damage insurance benchmark premium=Basic insurance+The vehicle damage insurance amount*The benchmark rate

Application of coefficient of vehicle damage insurance benchmark premium multiplied by the rate coefficient table, namely the case of vehicle damage insurance shall pay the premium, the formula is as follows:

The vehicle damage insurance premium=Benchmark premium*F1*F2*......Fn

1 Insurance amount vehicle loss Description: various coverage segment contains lower limit, does not contain the upper limit, for example:10-15Million yuan refers to the amount of insurance at10Million and10Million to15Million yuan (do not contain15Million yuan);

② Factor for

A. Non business-Personal car:F1-F 3a;F4-F9;F12

B. Non business-Company office car:F3a-F9;F12

C. Business car:F3a-F9;F12

D. Special vehicle, tractor:F3a-F9

(2) calculation of the third party liability insurance

Vehicle insurance third party liability insurance, according to the different nature of the use of vehicle types, and select limit, third party liability insurance fixed premium corresponding, multiplied by the Shanghai City motor vehicle third party liability insurance rate adjustment coefficient table suitable coefficient, namely the vehicle insurance third party liability insurance shall pay the premium, the calculation formula is as follows:

The third party liability insurance premium= (Benchmark premium2+Benchmark premium1*Traffic violation adjustment coefficient)*(1+P)

1 The adjustment coefficient (traffic violationM): adjustment coefficient for vehicle insurance during the last year the sum of illegal information listed above. 

② The maximum limit for traffic violation adjustment coefficient70%, i.e.M≤70%.       

③ Benchmark premium1Means: Motorcycle/Tractor for quota5Fixed premium million; other motor vehicles (motorcycles/Except for the limitation of tractor)10Fixed premium million.

The previous insurance annual premium did not enjoy no claim discount, the renewal (P1Discount ratio)10%; a insurance annual premium has been enjoying preferential, preferential treatment in the proportion of the renewal insurance last year discount ratio increases10%; insurance premium discount does not exceed the highest proportion30%.

The adjustment coefficient (the reparationsPThe maximum adjustment)30%. The adjustment coefficient of reparations only refers to the "Shanghai City motor vehicle third party liability insurance clause" of claims, does not include the additional risks.          

⑥ Benchmark premium2Means: the policyholders in insurance choose fixed premium the insured third party liability insurance limit.

In the period of this insurance, the insurance vehicle resale, transfer, legal gift to others, the insured to the insured, the insurance premium for the reference standard2.

⑧ The original insurance vehicle after the update, the new vehicles purchased insurance, the standard premium applicable benchmark premium2.

⑨ Standard premium is accurate to element.

⑩Benchmark premium third party liability insurance premiums every accident, the maximum compensation limit determined by the corresponding insurance charge. Every accident maximum compensation limit exceed100Million, the insured shall be the limit of compensation50Integer million, and shall not exceed a maximum of1000Million yuan, the third party liability insurance fee calculation methods according to the benchmark benchmark premium rate table specified in the formula calculated as follows:

Insurance premium = N*A*(1.05-0.025N)÷2

Among them:

A = the same grade limit100Million yuan of the third party liability insurance premium

N = limits÷50Million yuan

(3Calculation of the additional insurance premium)

Vehicle insurance additional risks, should be based on the additional risks insured and main insurance category, select the motor vehicle insurance and additional insurance premium rate corresponds to the grade of the benchmark premium calculation, each additional risks, multiplied by the corresponding rate coefficient table suitable coefficient, namely the vehicle additional insurance coverage shall pay the premium, calculation the formula is as follows:

Additional insurance premium=Additional risk benchmark premium*F1*F2*......Fn

Factor for:

1 Pilfer:F1-F2 (Only applicable to non business personal car);F3b;F4-F11

②NonRobbery:F1-F2 (Only applicable to non business personal car);F3a;F4-F9

(4) the insured vehicle shall pay the premium for:

Insurance premium=The vehicle damage insurance premium+The third party liability insurance premium+Additional insurance premium

3, one-way car responsibility

The one-way car liability insurer vehicle, the vehicle damage insurance and third party liability comprehensive liability insurance, insurance amount loss of vehicles to press the new car to purchase price determination, the quota compensation third comprehensive liability insurance for10Million yuan, the insurance period is full from the vehicle manufacturers or dealers designated place of carriage to the insured specified location of vehicle insurance, no more than the most30Day.

The new car purchase price at10Million below: the vehicle damage insurance premium for a fixed100Yuan, third general liability insurance for fixed100Yuan, total fixed premium200Element;

The new car purchase price at10Million and10Million to30Million below: the vehicle damage insurance premium for a fixed150Yuan, third general liability insurance for fixed150Yuan, total fixed premium300Element;

The new car purchase price at30Million and30Million to80Million below: the vehicle damage insurance premium for a fixed250Yuan, third general liability insurance for fixed150Yuan, total fixed premium400Element;

The new car purchase price at80Million and80Million to150Million below: the vehicle damage insurance premium for a fixed350Yuan, third general liability insurance for fixed150Yuan, total fixed premium500Element;

The new car purchase price at150Million and150Million: the vehicle damage insurance premium for a fixed450Yuan, third general liability insurance for fixed150Yuan, total fixed premium600Element.

4Motorcycle insurance premium, calculation

Vehicle insurance motorcycle insurance, Che Sunxian part should be based on vehicle type (50CCAnd the following and50CCThe above), the choice of basic insurance premium rates and the corresponding, multiplied by the motorcycle insurance rate coefficient table suitable coefficient, namely the motorcycle insurance car caustic danger shall pay the premium, the calculation formula is as follows:

Motorcycle insurance premium= (Basic insurance+Insurance amount*Premium rate) *Coefficient product

Motor vehicle liability insurance premium=Benchmark premium

Motorcycle whole vehicle pilfer premium=Premium rate*Robbery insurance

All vehicles and the coefficient table "shows" part is not consistent, coefficient values1.

Motorcycle third party liability insurance, liability, reference bus three trucks and tractors special vehicle insurance calculation, in the city of Shanghai motor vehicle third party liability insurance premium rate table obtained.

The insured shall pay the premium for motorcycle:

Premium=Motorcycle loss insurance premium+Motorcycle third party liability insurance premium+Motorcycle additional insurance premium

5The special clause, premium calculation

1 Deductible clause: according to the nature of vehicles, vehicle type, vehicle damage insurance amount and the absolute non selected sum in damages, the deductible clause table to find the corresponding value;

Insurance deductible clause after the vehicle damage insurance premium=The vehicle damage insurance premium*Value of the corresponding system

Deductible clause is only limited to the vehicle damage insurance.

② The cumulative loss franchise clause: according to the nature of vehicles and vehicle type, the cumulative loss franchise clause table to find the corresponding value;

The cumulative loss loss of vehicles after the franchise clause of insurance premium=The vehicle damage insurance premium*(1-Value of the corresponding department)

The cumulative loss franchise clause is only limited to the vehicle damage insurance.

③ Non deductible clause: the clause is divided into third party liability insurance contract and the vehicle damage insurance contract, according to the non deductible clause coefficient table, in the corresponding main insurance premium on floating premium.

After the non deductible clause of the vehicle damage insurance premium=The vehicle damage insurance premium*(1+Value of the corresponding department)

After the non deductible clause of the third party liability insurance premium=The third party liability insurance premium*(1+Value of the corresponding department)

④ The natural disaster loss warranties coefficient table:

Insured losses from natural disasters clause after the vehicle damage insurance premium=The vehicle damage insurance premium*(1-Value of the corresponding department)

The natural disaster loss clause is only limited to the vehicle damage insurance.

(six) short rate

1The tariff regulations, motor vehicle insurance rate in single vehicle tariff, the tariff for the period of one year of insurance rate table, annual rate table.

2When insured, the insurance period is less than a year, according to the monthly rate of short-term land premium (less than a month calculated monthly).

A short month rate table

Short term insurance=The annual premium*A short month rate

    (seven) the surrender provisions

   1, the lifting of the contract rate applicable standards

    (1) according to the relevant provisions of the "insurance law" of the people's Republic of China, under the following circumstances, the termination of the contract (or termination) does not return the insurance premium:

A. contract terminates naturally or contract liability have been fulfilled;

BAccording to the "insurance law" of the people's Republic of China in seventeenth, the insured in the insurance contract, intentionally conceals facts, does not perform the duty of disclosure, the insurer to terminate the contract;

CAccording to the "insurance law" of the people's Republic of China in twenty-eighth, the insured deliberately creating insurance accident or false insurance accident, the insurer to terminate the contract;

DEngaged in illegal activities. Use of vehicle insurance, the insurer to terminate the contract;

EThe legal provisions. Other matters the insurer has the right to terminate the contract unilaterally.

2According to the relevant provisions of the insurance law, "" the people's Republic of China, under the following circumstances, the termination of the contract shall refund the premium, but should be deducted from the insurance fee.

The insurance fee=Premium*The insurance rate

Return the insurance premium=Paid premiums-Premium*The insurance rate

AIllegal contract ineffective. The insured to no insurable interest in the subject matter of the insurance contract, the deduction of insurance fees for premium three percent;

BAt the commencement of the insurance liability, the proposed insured cancelling the contract, the deduction of insurance fees for premium three percent.

3, the following situations, the termination of the contract shall return the insurance premium procedures, return the insurance premium should be on a daily basis.

Return the insurance premium=Paid premiums-Premium*Has the responsibility of÷The insurance period (days)

AAccording to the "insurance law of the people's Republic of China" seventeenth, the applicant negligently fails to perform the duty of disclosure, there are serious influence the occurrence of insurance accident or affect the insurer to decide whether or not to agree to accept the insurance or to raise the insurance premium, the insurer to terminate the contract;

BAccording to the "insurance law" of the people's Republic of China thirty-seventh, due to the increase in the degree of risk, the insurer to terminate the contract;

CAccording to the "insurance law" of the people's Republic of China in thirty-sixth, the insured fails to fulfill its should as far as the subject matter of the insurance responsibility for security, the insurer to terminate the contract.

4After the effective date of the contract, insurance, and the insured event has not occurred, the insured requests to terminate the insurance contract, the insurer shall be calculated according to the following way, insurance premium, the premium effective date of the contract until the termination of the insurance contract on the date of the period of insurance, and refund the remaining part of the premium:

Return the insurance premium=Paid premiums-Has the responsibility of*Insurance fee

AInsurance contract has the responsibility. Period of less than or equal to8Month, the annual rate1/300Calculate the insurance premium:

Insurance fee=The annual premium÷300

BInsurance contract has the responsibility of more than8Months and less than a year, the annual premium1/365Calculate the insurance premium:

Insurance fee=The annual premium÷365

5Otherwise, except as otherwise stipulated by law or contract special contract, insurance vehicle vehicle damage insurance accident insurance, the insured to obtain part of the insurance compensation within one month after the termination of the contract, the insurer shall, according to the insurance contract has the responsibility period, in accordance with Article4The method of calculation, insurance premiums, and the insurance amount deducted from the remaining outstanding liability insurance indemnity and insurance deductible amount after the insured the premium refund.

6Because the loss of vehicle insurance, and the insured fails to pay any insurance claims cases, the insurer shall annual rate1/365Calculate the insurance premium, and refund the outstanding part of the insurance liability insurance.

7Because the insurance compensation, resulting in the termination of the contract, the insurer shall not return the insurance premium.