ZT [insurance] a year without sticking out, next year premium can play 31.5% off. Three liability insurance increased to 300000.

I'm Xiao Ming for almost a year, so far a total of 15700 km run. This year the insurance before the expiry of 90 days, can apply for the next year's renewal. After the call, I am going to the people's Insurance continued next year's insurance. Because of my car has still not be or get out of danger, so next year premium can enjoy 31.5% off discount.

I chose the car damage insurance, liability insurance (three 100000), pilfer, excluding claims, cross strong insurance, not to glass and scratches insurance, after the discount price for 3584.37 yuan, and buy a new car against all risks to spend 6064 yuan, so continued Bobby new auto saved 2509.63 yuan.Safe driving is not in danger can save money! If 5 years without insurance, premium 70 percent off...

             This year   The next year  Ratio (%)
Trading friendly environment
Car damage (140000) 2131.31  1306.86 61.30%
Three (100000)   789.30   513.62 65.07%
Robbery (140000) 789.63   478.86 60.64%
The driver (10000)    36.90    24.03 65.12%
The occupant (4 40000) 93.60 60.56 64.70%
Glass    244.36 --    --
Scratch (2000) 360 --    --
Non deductible    669.59   381.58 56.98%
Strong cross (110000) 950   818.56 86.16%
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Total    6064.69 3584.37 59.10 %

[note] from the above list visible premium, ratio (next year / this year x 100% ) there is no 68.5%, it seems every discount is different, the total ratio of 59.1% is due to have two (glass and scratch) did not choose, if next year with the same project this year, the total the ratio is about 66%.

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The friend suggestion, has three responsibilities next year's insurance increased from 100000 to 300000, making this change requires only a page "endorsement" added to the original insurance policy, fill three liability insurance price 204.48 yuan, while the non deductible is also a corresponding increase of 30.67 yuan, the results are as follows:

             This year        The next year          Ratio (%)
---------------------------------------------------------
Car damage (140000) 2131.31         1306.86           61.30%
Three    789.30100000.718.10 300000. 90.98 %
Robbery    789.63140000.478.86 132000. 60.64 %
The driver (10000)    36.90            24.03           65.12%
The occupant (4 40000) 93.60          60.56           64.70%
Glass    244.36     --              --
Scratch (2000) 360             --       --
Non deductible    669.59           412.25          61.57%
Strong cross (110000) 950           818.56           86.16%
----------------------------------------------------------
Total    6064.69          3819.52          62.98%

[note] as shown in the table above, next year's three liability insurance coverage from 100000 to 300000, glass and scratches insurance premium cancellation, a total of 3819.52 yuan, the next year and the year premium ratio is 62.98%, which is equivalent to 37% off next year premium...

Figure 1: almost a year, Xiao Ming style is still...

Figure two: Xiao Ming PP very much...

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BeijingThe insurance regulatory bureau and Beijing Insurance Industry Association jointly issued the floating scheme of Beijing area commercial insurance premium (Draft), a year 8 claims owners next year premium will rise to three times a year; not claim owners under annual premium is the minimum can play 31% off. This is the first commercial insurance rates for major hook claims records.

About six owners of a year without compensation

The Beijing insurance information platform data show that, in the insurance business insurance for more than a year in about 60% vehicles, vehicle without a loss, these vehicles can enjoy a 31% premium discounts in the next year the renewal. There are about 15% vehicles only happened once claims, second year renewal can enjoy a 19% premium discounts; about 19% vehicles occurred 2-3 claims, second year renewal premium and standard premium flat. Only about 6% of the vehicle claims more than four times, will increase in the next annual renewal premium.

At present, Beijing owners claim information can be queried in the vehicle insurance information platform of Beijing Insurance Industry Association. Beijing Insurance Regulatory Bureau recommends owners to previous claims information query Beijing Insurance Industry Association Web site, also can find their vehicles have used by others to cheat.

Bank of China Insurance Insurance Department Bi Yan said, after the introduction of the floating solution, many owners will also weigh whether cost-effective claim. If only some small rub, loss of only several hundred yuan, the owner can choose not to claim to the insurance company. "Beijing area 85% claim in the amount of 2000 yuan to 3000 yuan, small claims consume a lot of resources, rather than the owners to resolve itself, next year premium we give discount."

Claims records will affect next year commercial insurance premium, then, some no fault accident owners will next year also will be paying the bill? Beijing Insurance Industry Association Insurance Department head Li Feng said, have an impact on the premium floating is the occurrence of reparations claims, without liability accident will not affect next year premium.

5 years is not insurance premium of minimum 70 percent off

Basic premium commercial insurance does not change, only changed in some effects of premium risk coefficient, new solutions to the original 14 floating factors reduced to 4, "no claim discount and the last claim record", "multi insurance and insurance", "annual average line mileage" and "special the risk coefficient". The old version of premium floating in customer loyalty, safe driving, driving regional, quantity, underwriting agreement specified driver, gender, age, age, experience and the expected loss ratio, level of management will no longer affect premium.

Deputy director of Beijing Bureau Liu Yuelin said, according to the vehicle past claims records, the premium level and risk profile matching, unfair problem can be solved with the premium independent vehicle accident.

Request for proposal, the owner under the premium will be mainly affected by the claims records, no claims for 5 consecutive years, premiums can downward float of 60%, last year occurred 8 times or more claims, the premium will rise to 3 times. Compared with the regulation of insurance thirty percent off the bottom line, the floating solution has broken through the restrictions. If the owner is also the three party insurance and any other insurance, can enjoy the floating up down 10%; average annual travel less than 30000 kilometers, also downward float 10%.

Calculation of premium is basic premium * "no claim discount factor" X "multi type insurance coefficient" X "annual average mileage factor" X "special risk coefficient". If an owner for 5 consecutive years without loss, but also against multiple insurance, annual average travel less than 30000 kilometers, can enjoy seventy percent off preferential premium.

　　■ owners doubt

One problem, the insurance company will take the opportunity to rise in price?

Owner: this project if implemented, what is the impact on the overall insurance premium scale? The insurance company will not take the opportunity to raise prices?
Deputy director of Beijing Bureau of the CIRC Liu Yuelin: after fine estimates, the overall premium will not change much, basically the same. The insurance company is a commercial organization, indeed all have great impulse price increases, but regulators will not allow insurance companies to rise resolutely.

Question two, why don't claim amount and premium hook?

Owner: I once claims hundreds and thousands of yuan, should also have different effects on the premium. Why not claim amount and premium hook?
Deputy director of Beijing Bureau of the CIRC Liu Yuelin: the insured amount is indeed an important factor owners risk, future also considering to launch and claim amount, traffic violation, models and other factors linked. These factors are more complex than claims record, need certainTimeAnd process.

Question three, 5 years after the transfer claims records cleared?

Owners: if I insist on no claims to 5 years, sixth years, I changed a new car, Is it right? Again from scratch calculation?
Bank of China Insurance Insurance Department person in charge Bi Xin: indeed there is the problem, because now the claim or vehicle, did not follow the record of man. The future will consider implementing claims records with owner individual hook.