To implement the China CIRC and the people's Government of Xiamen city "on the construction of Xiamen insurance reform and development area memorandum of cooperation" of the relevant requirements, promote the innovation of our insurance reform, promote the reform of commercial insurance rate system, to maintain the commercial vehicle insurance rate fairness, insured, protect the legitimate rights and interests of the insured, better play the insurance premium the role of economic levers, promote driving safety, reduce traffic accidents, the Insurance Association of Xiamen City formulated the "Xiamen city commercial motor vehicle insurance floating rate scheme", for details see CIRC Xiamen bureau website: xiamen.circ.gov.cnAnd the city of Xiamen Insurance Industry Association Web site:Www.iaxm.comTo ensure that the scheme has good effect, is now facing the community to solicit opinions, welcome to the general public through the following ways to express opinions and suggestions. The deadline for feedback2010Years11Month14The following day, feedback:

Contact person: Sun Menghan

Contact telephone number:8122285

Mailing address: Xiamen City imperial Mansion12Floor1202Room

Receiving unit: the Insurance Association of Xiamen City

Pass   Really:0592-2965180

Electronic mailbox:Xmbxxh@163.com

Annex:

Xiamen city commercial motor vehicle insurance floating rate scheme

One, the basic rate set

(a)The basic rate of electrical sales channels. Electronic marketing channel sales rate according to the current commercial motor vehicle insurance industry's basic rates85%Execution, an electronic marketing channel rate applies only to obtain power marketing business approved by CIRC in telephone sales of auto insurance business carried out by the company.

Two.The basic rate of other channels. Sales of other channels of commercial insurance basic rate according to the current commercial motor vehicle insurance industry basic rate table.

The calculation of two, floating rate coefficient

(a)Xiamen city commercial vehicle insurance floating rate coefficients include "no claim discount and the last claim record", "multi insurance and insurance", "special risk" (that is, the original "old, old, new, special type" coefficient) and "the amount of compensation adjustment coefficient" four, the floating rate system numerical annex. The current "rate adjustment coefficient table" not used in other coefficient. Motorcycles and tractors not floating.

Two.The floating coefficient associated with occurrence loss frequency and motor vehicleAAccording to the last year has occurred will claim number, is equal toA1ToA15One of them, does not accumulate. At the same time, to meet a variety of circumstances, in accordance with the calculation of floating upward or downward float rate the highest. "The amount of compensation adjustment coefficient"DAccording to the proportion of settled claim reparations sum and the annual premium last year to determine.

Three.Coefficient by Xiamen insurance information platform according to each company entry underwriting information check floating rate.

Four.The calculation to determine the final rate floating coefficient by coefficient of multiplication way: the ultimate floating rate coefficient=CoefficientAX factorBX factorCX factorD.

Five.Will be held in Xiamen City2010Years8Month to begin a formal insurance information platform of national unity, is expected to2010Complete the platform construction, commissioning work by the end of the year. Therefore, "no claim discount and the last claim record coefficient"AAnd "the amount of compensation adjustment coefficient"DThe company shall return the insurance information platform for unified query. The company in the entry vehicle related underwriting information, calculate the final floating rate coefficient, and in accordance with the "ultimate insurance commercial insurance=Commercial insurance standard premium * eventually floating rate coefficient calculation formula of ultimate "premium, after submitting the check and confirm to insure insurance information platform.

Six.The amount of compensation should be calculated according to the number of motor vehicle claims range the insured vehicle is not zero will claim frequency statistics.

Seven.Implementation of the first year, "the previous year loss record" coefficient according to the back one year from the date of vehicle insurance365Day)During all the effective commercial insurance policy insurance information platform in Xiamen recorded claims number calculation. "No claim discount coefficient according to the" back a year, since the vehicle for two years from the date of a period of three years, all valid commercial insurance policy in the Xiamen insurance information platform records claim number.

Eight.Second years of programme implementation, "last year loss record" coefficient calculation interval "since the previous commercial insurance policy insurance effective query time up to the stage of commercial insurance policy insurance effective query time check".

Schedule: "commercial vehicle insurance floating rate coefficient table"

Schedule: