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[fourth years in the car after, Chen Liang (a pseudonym) decided not to purchase commercial insurance. In recent years, the insurance policy, each main risks and risks are Chen Liang drew a hook, count down has spent nearly 20000, but driving cautiously, he has never been. Chen Liang think is not worthwhile, in accordance with the current driving proficiency, he believes that only insurance to pay strong enough.

In fact, Chen Liang is not the only car owners have this kind of idea.

So, when China CIRC announced the "7200000000" figure, Chen Liang somewhat puzzled: where the owner must be insured insurance to pay strong, why has such a big losses last year? Since the loss, why risk management enthusiasm is not the slightest reduction? The insurance industry will be how to deal with...... Let us have a look the story behind the cross strong insurance losses. The reporter Zhang Heng]
Double the risk covered

After 3 years in the insurance business, there are 86% renewal rate cut owners enjoy annual payment limit, but in the promotion, 60000 yuan from the previous to the current 122000 yuan.

"Last year our company cross strong insurance business in the profit and loss, a slight loss......" SafetyProperty insuranceShandong branch of insurance department Joe real expresses when accepting a reporter to interview, for China CIRC released data, he has to understand, but "different accounting methods and statistical caliber, will make the final figures vary greatly", depending on the risk to the financial system.

But in the eyes of Joe, no matter in what manner of statistics, cross strong insurance to profit is not easy, some restrictive factors exist, such as the rate and limit.

In 2006 July the formal "induction" cross strong insurance, since it was born was put on a "no win no loss" "hat", a year later, the concept of "floating rate" and gradually into the owners view, if a member of the owners in the purchase of the first year of compulsory insurance is not insurance, then the second years of renewal can enjoy preferential rates downward float, and so on, highest can enjoy thirty percent off preferential. In 2008 handed over the strong base insurance rates decline, six below the family car insurance to pay strongPremiumBy the year 1050 yuan to 950 yuan, to be the lowest, only need to pay 665 yuan.

From the China CIRC digital display, after 3 years in the insurance business, there are 86% renewal rate cut owners enjoy annual renewal, which motor vehicle 61% enjoy a 30% rate cut. Cross strong insurance renewal business insurance premium on the first half of 2007 was 1406 yuan, and the second half of 2010 has dropped to 1074 yuan.

In the rate cut at the same time, an upper limit on coverage but in the promotion, from 60000 yuan previously to the current 122000 yuan. "Disable the death in the motor vehicle compulsory liability insurance coverage limit is now 110000, even by per capita annual payment of 1000 yuan to count, to balance the 1 death compensation, need 110 people to pay......" A large insurance company Binzhou branch responsible person calculated brushstroke Zhang to the reporter, in contrast, had only 50 people.

The responsible person think, figures show high risk risk has doubled, if we consider the factor in floating rate, the risk is even higher.

"Road" insurmountable barrier

Ji'nan Road, not many people hurt, the damage caused by congestion has become more and more serious, "scratch, collision, this situation is normal".

An unavoidable social phenomenon is more and more, all kinds of vehicles running on the road, the number of vehicles is increasing year by year, has increased year by year cross strong insurance premiums, why in recent years the loss rate is increasing?

From the Ji'nan City Police Department data show, as of the end of last year, Ji'nan motor vehicle quantities for 1230000 cars, the new 18.9 cars, and 2009 years have increased by more than 9%. Moreover, the frequency of cross strong insurance death benefit is not high, as early as 2004, targeted prevention of road traffic accidents in Ji'nan established is the "million cars mortality must be controlled within 8 people", and in recent years the number of road deaths also decreased.

From this point of view, can balance the risk to the death of 1 people for customers to more than 110 people. But in fact, "cross strong insurance is divided into three blocks, death and disability compensation limit is the highest one, 110000 yuan, in addition to medical expenses and loss of property, compensation cap is respectively 10000 yuan and 2000 yuan". Joe is told reporters, compared with injuries, loss of the more common. "The damage compensation is not cumulative, that is to say, whether a car owner year scraping many times the car, as long as required, the insurance company will compensate within the limit of $2000."

In an interview with reporters, Mr. Liu once in a year won several cross strong insurance coverage, insurance companies "that put me on a bad client list, not willing to let me renewal".

This all seems to get away with the road. According to Joe real understanding, Ji'nan Road, not many people hurt, the damage caused by congestion has become more and more serious, "scratch, collision, this situation is normal". In recent years, due to a minor traffic accident has been increasing year by year, Ji'nan traffic police department even put forward the "private" solution.

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Rates demands

In the high risk business data China CIRC announced the national 33 home runs the risk of strong, our reporter from people close to the insurance industry in Shandong to Shandong in 2010, cross strong insurance loss of 4 million, if in accordance with the financial year to calculate, this figure may reach 6 hundred million. From the first half of this year's situation, cross strong insurance is still at a loss.

An article in early 8 released in the official website for "advancing the compulsory insurance system construction" in the article, China CIRC puts forward four measures to "deal with the losses increase, promote compulsory insurance system run smoothly", in addition to the above-mentioned "third party audit", also called for the insurance company to take effective measures to continuously reduce their operating costs, and promote the insurance to pay strong regional differences in rates of pilot, the second half of 2010, and promoting the development of the automobile insurance to pay strong area rate pilot studies in individual regions.

But understand according to the reporter, the difference in rates within a short period of time and not "landing" of Shandong. "Rate reform involves the actuarial, first of all it is extremely professional problem, must by professionals to participate, but the premise is that there must be a lot of data to support, the workload will be quite large." The source said, the reform of compulsory insurance rates also have to consider the acceptance of the public, because the Shandong area traffic conditions, economic development level, the very possibility of rate hikes, cross strong insurance to implement regional differences in rates is difficult.

　　"Confusion"

To the third party audit

Cost and cost of commercial insurance may transfer to the cross strong insurance, thereby increasing the risk of strong spending in the book.

But beyond the control of policy factors and traffic environment, moral hazard also led to strong insurance to pay a "book" in poor profits.

"Yangcheng Evening News" in a question put forward in the article, some owners will "vehicle registration" for "tractor", enjoy the low rate at the same time for the insurance company to bear high risk, highSettlement of claims.

In the interview, an unnamed property insurance enterprises responsible person told the reporter, the situation does exist, one of the most confusing to count the money "tractor", although the car called the "tractor", but in fact is the large amount of the freight car truck, up to ten tons of.

"If we follow the tractor cover, can only receive 600 yuan, according to the non operating vehicle can receive 1200 yuan, and in accordance with the following 2 tons of freight can receive 1850 yuan......" The responsible person said, the company according to the current more than 10 tons of freight to underwriting, the annual premium is in 4400 multivariate, this is because the car accident frequency is very high, the compensation rate often exceeds 100%, if only in accordance with the "tractor" to underwriting losses will undoubtedly.

In addition, Central University of Finance and Economics insurance expertsHao YansuOnce pointed out: "cross strong insurance and commercial insurance two system, a set of men, how can the cost on a clear distinction?" This is another insurance enterprise's much maligned, namely the commercial motor vehicle insurance costs and the cost of transferring to the cross strong insurance, thereby increasing the risk of strong spending in the book. In an interview with reporters, the two unnamed property insurance enterprises responsible person confirmed, share the cost and expenses is not transparent.

As regulators, CIRC Shandong Bureau has clearly started to governance, namely, the insurance industry in Shandong in the first half of 2011 supervision briefing, "strengthen cross strong insurance data analysis and authenticity management", and perfect the insurance policy online inquiry system.

　Quietly loss of commercial insurance policy

Although the area is not the same, but on the whole, only to buy insurance to pay strong owners accounted for about three into the left and right sides.

Why in cross strong insurance losses, high risk business enthusiasm unabated?

"Cross strong insurance is insurance, is the mandatory provisions of the country, we have to do, can not be denied insurance, this is the one. Second, if have the insurance claims experience of the owner, will pay insurance based on the strong increase to buy commercial insurance, but generally not in the two companies to buy......" Joe said, cross strong insurance to insurance companies appeal but also because it can bring more business insurance customers. Of course, there are risks of enterprises has been consumer complaints by "bundling".

Shandong Baojianju concerned previously introduced when accepting a reporter to interview, Shandong property insurance business, there are around 70% by insurance contributions, the general manager and the recent establishment of the Cathay Pacific Insurance Company Shandong branch Chen Liangcai even think has reached 80%.

At the same time, Shandong, property insurance in 2008 to achieve profitability, in 2009 the underwriting profit rate higher than 5.62 percentage points nationwide in 2010, achieve an underwriting profit of 1228000000 yuan, the first half of this year has exceeded last year's level, to achieve an underwriting profit of 1390000000 yuan. In cross strong insurance "Book losses" background, the main unit of property insurance profit, it is by commercial insurance to cover.

But another problem that cannot be ignored, is the commercial vehicle insurance customer churn.

Let us return to the Chen Liang decision.

"Many private car owners, driving four or five years, began to cut the commercial insurance expenses, or even directly wouldn't buy it." The Binzhou insurance companies responsible for the introduction, according to his understanding, the current 20%-30% owners only pay strong buy insurance. Joe also said, in general, only to buy insurance to pay strong owners accounted for about three into the left and right sides