How to buy auto insurance？

Network about the car to obtain the Huizhou municipal public security department issued by the motor vehicle license and driving license; Displacement of not less than 1. 8l or 1. 4t; Front and rear wheelbase is not less than 2700 mm; Motor vehicle sales invoice amount of not less than 150 thousand yuan ...

Just after the national day holiday this year, following the footsteps of the first-tier cities such as north Shanghai, Guangzhou and Shenzhen, Huizhou has also announced its own detailed rules for the implementation of network car management, open to the public for comments。

The appearance of new regulations for multi-network car, including Huizhou, has aroused the attention of the society to the development trend of this emerging industry. among them, the issue of network car insurance, which has attracted much attention, has also surfaced: even if the network car is legal, if the network car accident occurs, will the insurance company compensate？ And how to compensate？

Local rules

There are obvious differences in vehicle insurance cognition

In July 2016, the Ministry of transport announced the interim measures for the administration of online booking taxi business services ( hereinafter referred to as the " interim measures" ), which will be formally implemented from November 1, 2016。 In accordance with the requirements of the interim measures, the local implementation details need to be introduced before the formal implementation。

Just after the national day this year, the north wide deep domestic first-tier cities such as the first to introduce new rules about car network。 Through combing, the reporter found that in addition to the household registration, license, displacement and other aspects of the " common" concern, around the new rules for the " network about how to buy car insurance, claims" problem is quite different。 The main differences are as follows: most of the insurance content is included in the new regulations, and the description of insurance in the new regulations is obviously different。 In Shanghai, for example, the new regulation explicitly listed the insurance regulatory department as the " management department"; The Shenzhen new rules will be operating vehicles not in accordance with the provisions of the purchase of compulsory insurance, third party liability insurance, passenger accident insurance, carrier liability insurance and other related insurance into the " legal liability"。

By contrast, Guangzhou's new rules only require vehicle insurance purchases in the filing materials; In contrast, Huizhou's new ground rules, which did not even mention about the content of auto insurance。

" in the use of insurance for network about car landing management, the degree of specialization around there are very different。 Huizhou insurance industry association said that the new Shanghai rules clearly require insurance in accordance with the " business" of the relevant insurance, and require enterprises engaged in the network about the vehicle platform business should be insured carrier liability insurance。

Therefore, only from the perspective of auto insurance management, can reflect the new management level of local network about the car。 " for now, do the best when Beijing。 According to the above-mentioned people, the Beijing new regulation clearly divides the management object into three dimensions: platform, driver and vehicle. according to the nature of different subjects, the corresponding risk management regulations are determined, which is worth learning from Huizhou, which is still in the state of " absence" of auto insurance, and needs to be further supplemented and improved in the future。

Auto insurance " buying method"

" unified system" or " personalized customization"

For the operation of the network about the car, the interim measures shall ensure that the network about the car platform company to provide services to the vehicle with legal operating qualifications, good technical conditions, safe and reliable performance, with the operation of the vehicle related insurance。

However, the network about the car as an operating vehicle, how to buy auto insurance, the interim measures are not detailed rules。

" if the reference to the taxi car insurance premium standard, operating car premium is not operating car 1. Five to two times。 " Taiping insurance Huizhou company auto insurance insurance staff revealed that Huizhou city ordinary taxi a year to pay the cost of auto insurance between 7000 yuan to 9000 yuan, and the same car price of private cars, most of the premium in 3000 yuan to 4000 yuan。

At the same time, in accordance with the relevant provisions of the insurance law, the purchase of home-based insurance of private cars in the process of engaged in the network about the car accident, the insurance company has the right to refuse to compensate the network about the car out of danger, not only in accordance with the current insurance regulatory provisions, but also in accordance with the insurance contract。 Ping an insurance Huizhou company, the relevant person in charge of the introduction, the network about how to underwrite the car is still under study, it is expected that in November this year there will be a formal rules, then may not need to be around to develop different regulations。

In fact, with the increase in the number of car network and a variety of disputes, some car network platform began to buy additional insurance for passengers。 To Didi out behavior, for example, in October 2015, Didi travel announced cooperation with ping an property insurance, launched the " Didi platform company by accident comprehensive insurance"。 The insurance covers drivers and passengers of Didi travel platform special car, express car, windmill, bus, test drive and enterprise business, and the maximum single-person insurance amount is RMB 1.2 million。

Of course, not every platform to provide " characteristic insurance", if there is no corresponding insurance, once the accident, only by the platform, drivers and passengers to negotiate to solve, for passengers, rights protection costs are very high。

" similar to Didi and ping an approach, if there is no unified system of insurance, insurance companies may be aimed at network about car development of new auto insurance products。 " people's insurance company in Huizhou, China people's insurance company, head of the network about car and taxi risk is similar, in fact, after the network about car legal on November 1, this year, is likely to require according to the nature of the operation to buy insurance。 Of course, the specific implementation, also depends on the final issued documents。

Extension

Uber: private car out-of-pocket purchase assistance

The history of the United States is longer than that of China, and the insurance companies give private car owners engaged in the service of the network car more abundant choices。 The U.S. private car insurance policy provides that the insurance company will not compensate the vehicle for commercial use, but in order to avoid disputes, Uber requires all drivers to purchase supplementary insurance outside the private car insurance。 Specifically, it is covered by a private car policy when the Uber function application is turned off; When the Uber application is opened, the higher coverage liability insurance is opened until the passenger leaves the vehicle, and after the passenger leaves, the insurance returns to be covered by the private car policy。