In 2022, the new regulations on vehicle insurance premiums in China have been adjusted and optimized in many ways in order to better adapt to the development of the automobile market and meet the needs of consumers.
Here's an interpretation of the new rules:
1.Introducing a model pricing factorThe new regulations set differentiated pricing factors for different vehicle models based on factors such as vehicle make, model, and safety performance, so that the premium can more accurately reflect the vehicle risk.
2.Expand the floating range of the non-compensation preferential treatment coefficientFor vehicles that have not been insured for many years, the new regulations further increase the floating range of the no-compensation preferential coefficient, so that car owners who drive safely can enjoy more premium discounts.
1.Increase the coverage of car damage insuranceThe new regulations include natural disasters such as **, typhoons, floods, and losses such as "glass broken alone", "spontaneous combustion", and "engine wading damage" into the scope of vehicle damage insurance, providing more comprehensive protection for car owners.
2.Optimize the liability limits of the three insurancesThe new regulations optimize the liability limit of third-party insurance, increase the maximum compensation limit, and provide more adequate third-party liability protection for car owners.
1.Implement electronic insurance policies: The new regulations implement electronic insurance policies, which are convenient for car owners to inquire, print and print insurance policies, which improves the convenience and security of insurance policies.
2.Improve the complaint handling mechanismThe new regulations require insurance companies to establish and improve the complaint handling mechanism, deal with complaints and disputes of car owners in a timely manner, and improve service quality.
1.Strengthen the supervision of premiumsThe new regulations require insurance companies to reasonably determine the level of premiums, avoid vicious competition and arbitrary charges, and protect the rights and interests of consumers.
2.Strengthen the supervision of sales behaviorThe new regulations regulate the sales of auto insurance, prohibit misleading sales and forced tie-ins, and protect the right of car owners to make their own choices.
In general, in 2022, the new regulations on vehicle insurance premiums in China have been actively adjusted and optimized in terms of premium calculation, coverage coverage, service quality and regulatory requirements, aiming to provide more high-quality, convenient and safe vehicle insurance services for the majority of car owners. The implementation of these reform measures is not only conducive to promoting the healthy development of the auto insurance market, but also conducive to improving the overall competitiveness and service level of China's insurance industry.