Car insurance distress, COMe here to complain！ Car insurance Zha buy cost - effective, come and talk！

On July 8, this year, the province's commercial auto insurance two fees to be formally implemented。 Reporters learned that after the reform, if the car owners did not escape for three consecutive years, will be able to enjoy a minimum of 0. 3825 fold " floor price"。 However, there are also many cars The main fee after the change of " affordable" there are doubts。

The higher the risk, the higher the renewal cost, After the small problem still dare not insurance? The new policy of auto insurance fee reform, whether car owners benefit or insurance companies benefit?

Owner's spit

Insurance is not as good as insurance

The owner of the car, Mr Hu, has not been out of danger for many years. on July 1, 2016, he covered the new year's auto insurance, and successfully enjoyed a minimum of 4. 335 % discount, auto insurance premium total 2800 yuan。 At the time of this year's renewal, his car went through a direct result of a risk The car premium rose to 4100 yuan this year, more than last year out of the 1300 yuan, " only out of a risk, the second year premium rose by more than 1000, now the car damage insurance and buy meaning？ " the

And as a new driver driving age is not long, ms Zhang for the second fee after the change of risk also poured water。 Recently, ms Zhang accidentally cut her back bumper while driving。 " my car expired at the end of August insurance, and I cut wipe with others in March, has been out A risk, if go insurance process again now, the premium will be higher。 " after hesitation, ms Zhang finally pay to do the maintenance。 " can't report risk, otherwise this year's risk coefficient will rise a lot, higher than the maintenance cost。 " the

Mr Jiang also complained to reporters, secondary fee reform, car insurance discount is lower, but in fact, the owner in the payment of premiums also feel not enjoy preferential。

After the vehicle insurance fee is changed

The higher the number of risks, the higher the premium

After the new auto insurance fee reform, the more vehicles out of danger, also means that the next year to pay the higher the premium。

In accordance with the provisions, the factors affecting the automobile premium have compensation preferential treatment and last year's compensation record coefficient and the insurance company's independent underwriting coefficient, independent channel coefficient。 In accordance with the province in July 8, the second fee reform, no compensation preferential treatment and last year's compensation record coefficient range for0. 6 ~ 2. 0, the number of different risk coefficient is different; The adjustment range of independent channel coefficient is 0. 75 ~ 1. 15. The range of independent underwriting coefficient is 0. 85 - 1.15。

If the owner for three consecutive years without insurance, auto insurance premium can enjoy a minimum of 0. 3825 % discount; If not out of danger for two consecutive years, you can enjoy 0. 4463 discount; A year without risk can enjoy 0. 5419 discount。 However, that high the number of risk, the higher the premiumThe higher, such as a risk, no compensation preferential coefficient ( NCD coefficient ) becomes 1, the final discount can only enjoy 0. 6375 fold; The discount for two risks is 0. 7969 fold。

The reporter noted that on April 29, 2016, the first fee change regulation, for three consecutive years without risk, can enjoy 0. 4335 fold; For two consecutive years no risk discount is 0. 5058; The one-year no - risk discount is 0. 6141。

Give you a move

I'd better fix it myself

" the insurance premium of the vehicle is related to the number of risks," said Ma Ping, manager of auto insurance department of PICC Lanzhou branch, if the owner is very capricious, if more than five times a year out of danger, no compensation preferential coefficient ( NCD coefficient ) this one to 2, multiplied by the comprehensive independent insurance coefficient0. 85, and the newly released independent channel coefficient of 0. 75, the premium will rise to the benchmark of 1. 275; If you've had the lowest discount before, the premium will multiply, the gap is really a little big。

In practice, Ma Ping said, due to the insurance companies within the prescribed range of channel coefficient and independent coefficient can float, so each company's premium will be slightly different, but the overall is according to the number of risks to determine the premium。

Ma Ping told reporters that after the auto insurance fee reform, risk and rate directly linked, part of the owners because of the high number of out-of-danger car owners pay high premium, for those who drive habits, low frequency of out-of-danger car owners can enjoy more preferential rates, high risk premium Low risk and low premium is the true portrayal of the rate reform。

Car owners want to make their own premium more favorable, what to do？ Ma Ping felt that some small cut wipe or small claims as few claims as possible, the premium is linked to the number of previous years, has nothing to do with the amount of each claim。 Such as an annual payment of 5000 yuan Insurance car, less than 1000 yuan of small cases also try not to claim, " claims once, the following year's premium will increase accordingly, sometimes the cost of maintenance is lower than the premium"。

Four channels

Tell me about your insurance experience

After the second fee change, your car insurance premium is up or down？ Have you ever encountered difficulties in settling claims after a vehicle has been out of danger, the time limit for settling claims, or the delay in settling claims due to the " overlord" clause？ Or complaints, finally can only think unlucky？

From today on Adopted by this newspaper Open the western business daily wechat public number ( xbs b01 ), Western business daily micro blog, western business daily network ( www. Xbsb.com. Cn ), news hotline 8119000 four channels, collect you insurance or claims encountered in difficult worry, injustice, also can talk with us, how to buy more cost-effective vehicle insurance, how to use will be more affordable。

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