# insurance daily headlines # "within 3 times don't worry, more than 5 black list", from the beginning of this year, the numbers of claims and premium expenditure linked insurance claims "rules" is not so effective.

After the Spring Festival this year, many car owners found renewal insurance premium, this year seems to be higher than the past one, the renewal can get "preferential" less, and even some of the past to buy insurance car, renewal had hitherto unknown "refuse".

What's this about, Harvey? That Chengdu Daily reporter survey, from the beginning of this year, the insurance company in business cost, profit index of multiple assessment under the pressure, the pricing mechanism of the auto insurance has been adjusted, part of the company to tighten the insurance discount, also increased to some easy to vehicle insurance limit.

"Easy to discount" auto era, seems to be gone......

Auto renewal price?

Out of the two insurance pay 2000 yuan premiums

Recently, Chengdu citizens Mr. long somewhat depressed, because his insurance renewal this year to pay thousands of dollars. Mr. long vehicles in 2011 to buy Land Rover SUV, and every year he would buy a car damage insurance, three party insurance, pilfer and scratch insurance four insurance. "I was short tempered pilot", Mr. long adds, because of driving style "rough", his car is also often some rub or scratch, "almost every year to report 1~2 insurance, mainly is the paint, repair or scratch."

After the Spring Festival this year, Mr. long car insurance is about to expire, he started preparing for the car renewal. The thought that last year he only reported two insurance, insurance premium should be with this change is not big, but I never thought about the five or six insurance companies, the vast majority of salesmen reply to him: no discount, can not float has been pretty good. Only one company gave him a 5% off discount, "it only offers less than last year, but also the provisions can not 'agreed drivers'."

Mr. long calculated brushstroke zhang. His Land Rover SUV annual premiums, not a discount of about 10000 yuan, in previous years can enjoy 20 percent off discount, can save about 2000 yuan. If this year can not enjoy the discount, he must in premium costs an extra 2000 yuan.

"Why did not discount it?" The insurance company salesman told him, although he only claim two times last year, but because there are 1~2 times his annual loss, do not belong to quality customers. Coupled with last year in which a claim amount is relatively large, "adjusted in accordance with the rules of the insured, Mr. long regarded as a high risk customers", so most of the insurance company he tightened the renewal discount.

Adjust pricing mechanism

The Insurance Company underwriting policy narrows

Mr. long experience is not alone. Recently, many owners are surprised to find that, this year, whether to renew or change insurance premium, seems to be higher than in previous years. Is it really the insurance price?

"In fact, the insurance did not increase, but the discount to tighten, or more accurately, the Insurance Company underwriting policy narrows", a car sales company in Chengdu Ms. Xie said, at the end of last year, many domestic insurance company according to the market situation and their own operating conditions adjusted the auto insurance, renewal, reinsurance pricing some of the previous mechanism, can enjoy the best discount customers, in the implementation of the new pricing mechanism may not conform to the preferential policies, so they can not enjoy the optimal insurance premium discount.

She said, in a large state-owned property insurance company underwriting policy issued to them as an example, the company provides a year out of 3 times this year will be declined; a year out of more than 1 times but not more than 3 times, the next most enjoy 14.5% off preferential; reinsurance customers will be 5% off. And before this, the company's underwriting policies: out of 5 and above declined, a year out of more than 2 times but not more than 5 times, the renewal discount is 20 percent off, the lowest 20 percent off reinsurance.

A property insurance company of Sichuan Branch underwriting department person in charge Mr. Lee also said in an interview with reporters Chengdu Business Daily: "there are changes in underwriting policy". He said, in accordance with the relevant provisions of his company, auto insurance prices and discounts will only last year and vehicle accident hook, but also is closely linked with the single claim, claim amount, the previous record, "do more strict and standard."

In addition, some can further reduce the premium expenditure means, for example, "agreed the driver", this year may not be applicable to every applicant. A large domestic property insurance company customer service staff said in answer to Chengdu Daily reporter consulting, this year, "agreed the driver" according to last year's claim number and claim amount to decide whether the "agreement" to lower the discount, not want agreement can be agreed.

"Black list" expansion

The car race, or novice should pay more

In addition to tighten the discount, strict implementation of underwriting requirements, some insurance companies are expanding their own "black list".

An insurance company insurance responsible person told the Chengdu Business Daily reporter, some insurance companies will be according to the insured vehicles, drivers' age, driving habits and sex differentiation of underwriting. For example, BMW 3 series, 5 series, Toyoda Eishi, Mazda the other car, the same situation will Honda accord, Audi premium than A6, GL8 high. If is 90 or just take the driver's license soon "novice", then the premium may also be higher. For instance, if you are a young male drivers, then the premium is likely than their female high. "This is not insurance companies have prejudice, because loss probability will indeed for models, age and gender differences."

Insurance industry said, this may be a beginning, the future auto will move toward a more standardized operating mode, and even the emergence of customization, according to different circumstances of each driver and vehicle, there are corresponding to different premium prices.