In recent months, some car owners have reported that the price of their auto insurance has increased by hundreds to thousands of yuan when it expires; Some car owners reported that their car had not been out of danger for three consecutive years and were still told that the premium had increased by 400 yuan. Some car owners questioned whether insurance companies quietly increased their prices a year after the comprehensive reform of commercial vehicles? Car owners questioned The premium for cars that have not been out of danger for three years increased by 400 yuan According to Mr. Li, a citizen, when he renewed his auto insurance in November, he found that the auto insurance premium of his car that had not been in danger in three years went up instead of down. At the end of 2021, the insured amount of Mr. Li's car damage insurance was 144000 yuan, which was nearly 25000 yuan lower than the insured amount of 169000 yuan at the end of 2020, but the premium he paid increased from 1600 yuan to 2000 yuan. The salesman of the insurance company did not explain the reason for the premium increase, but told Mr. Li that the premium increase was common among the car owners who renewed their insurance recently. There are many car owners tucked up on the Internet, make complaints about the premium premiums of motor vehicles rising from hundreds to thousands of yuan. "Is it that from 2020 to 2021, the comprehensive reform of auto insurance enterprises did not make money in the first year, and the premium will rise this year?" Some netizens speculated, "is it because of the heavy rain in Henan that auto insurance enterprises pay huge compensation, and the price increase of insurance premium can not lose money?" The reporter of Beijing Youth Daily consulted several insurance companies by telephone. The other party said that it was necessary to enter the license plate number and other information to give a quotation. The company did not receive any notice of price increase. Why is it opaque when pricing is specified? On September 19, 2020, the guiding opinions on the implementation of comprehensive auto insurance reform issued by the China Banking and Insurance Regulatory Commission officially came into force. The guidance requires that the discount coefficient of commercial insurance = preferential treatment coefficient without compensation (NCD coefficient) × Independent underwriting coefficient × Independent channel coefficient × Traffic violation coefficient. Among them, the non compensation preferential treatment coefficient of commercial auto insurance will consider expanding the scope of compensation records from the previous year to the previous three years. For consumers who pay occasional compensation, the rate increase will be reduced. For owners who have not paid compensation and have good driving habits, the auto insurance will get more concessions in the next year. The owner of Ms. sun's auto insurance has not been out of danger for five consecutive years, and the commercial insurance premium has soared by nearly 1500 yuan only one month. She questioned that there are strict regulations on the calculation method of auto insurance pricing, but when it comes to the specific quotation of each consumer, it is opaque. Will there be big data? She said that the quotation of the same company for the same car is 1492 yuan a month away. When the auto insurance premium is not due, the staff of the insurance company promote the quotation, and the price of commercial auto insurance is 4306 yuan, and that of traffic compulsory insurance is 610 yuan; A month later, when Ms. sun was preparing to formally renew the insurance, she was told that she needed to re-enter the vehicle information and wait for the quotation given by the company. At this time, the price of commercial vehicle insurance rose to 5798 yuan, and the compulsory insurance remained unchanged at 610 yuan. Ms. sun was very surprised that there were no traffic accidents, accidents or traffic violations in this month. What factors changed and led to the increase in the price of auto insurance? According to the staff of the insurance company, there are more than 70 factors leading to price changes, such as traffic violations, vehicle price changes, etc. when operating at the counter, you can only enter the license plate number and other information to directly give the quotation. The system quotation has strict specifications and standards, but it will not explain in detail which factor causes the vehicle premium to rise. "Do traffic violations include factors such as forgetting the number limit, driving out and parking illegally, or only include violations that affect driving safety, such as speeding, running red lights and not driving according to the diversion line?" For Ms. sun, the staff of the insurance company explained: "as long as the tickets for traffic violations are included, it will affect the premium of commercial auto insurance." In addition, the employees of the insurance company also added that sometimes the company will have additional promotions and other activities. These are time limited activities and can't participate after the expiration. Comprehensive reform of automobile insurance It is allowed to trace the accident records of thousands of people and thousands of orders back to the first three years According to the guiding opinions on the implementation of comprehensive auto insurance reform issued by the China Banking and Insurance Regulatory Commission in September 2020, after the implementation of the auto insurance reform, the main insurance of vehicle damage insurance has increased the insurance liabilities such as theft and robbery of the whole vehicle and separate glass breakage. The non compensation preferential treatment coefficient of commercial auto insurance considers that the scope of compensation records is expanded from the previous year to the previous three years. Relevant industry insiders pointed out that the auto insurance reform is a structural reform, which requires an overall decline in premiums, and not all models and owners' auto insurance prices have decreased. After the comprehensive reform of auto insurance, it allows "thousands of people and thousands of orders" to give insurance companies more independent pricing power. Everyone's risk status, driving situation, driving habits, claim settlement records and driving experience are directly linked to the rate of the next year, and the rate is matched with the risk, which is the most reasonable state. The average premium of commercial auto insurance policies in Beijing decreased by 20% in the first three quarters It is reported that in September 2020, after the implementation of the comprehensive reform of commercial auto insurance, the reform goal is to "reduce prices, increase insurance and improve quality". According to the data disclosed by the cbcirc, the national auto insurance premium income in the first nine months of 2021 was 562.2 billion yuan, a year-on-year decrease of 58.6 billion yuan, a year-on-year decrease of 9.44%. In September, the premium income of auto insurance was 67.2 billion yuan, a year-on-year decrease of 9.8%. Data show that in the first three quarters of this year, the average premium of commercial auto insurance policies in Beijing was 2861.3 yuan, a decrease of 20% compared with that before the reform, that is, Beijing car owners spent about 715 yuan less on commercial auto insurance on average. The average insured amount of commercial third party insurance was 1.263 million yuan, an increase of 402000 yuan compared with that before the reform; On the basis that the premium price remains unchanged, the insurance amount of compulsory traffic insurance is increased from 122000 yuan to 200000 yuan; Insurance liabilities such as vehicle theft and wading were included in the scope of protection, and the compensation expenditure increased by 11% year-on-year. Explanation of doubts in the industry The price rise is sensitive, resulting in the illusion of "general price rise of auto insurance" Official statistics show that after the comprehensive reform of auto insurance, the average single premium of the whole country and Beijing has decreased. Why do some car owners propose that the price of their auto insurance has increased? What is the reason? A person in the insurance industry said that, first of all, in the view of the auto insurance industry, the price after last year's reform is the "floor price", which does not rule out that some insurance enterprises have readjusted their independent pricing coefficient; Secondly, the change of auto insurance price is related to the loss ratio in the past year, as well as the market maintenance parts, man hour price change and other factors of vehicle models. There may also be corresponding premium pricing adjustment. For example, some cars have been discontinued, parts are difficult to buy, and maintenance is more expensive than before. The pricing of auto insurance for this model may rise. In addition, the vast majority of car owners who have reduced the price of auto insurance feel the benefits. For example, some consumers have not had an accident in the past one to three years, or the auto insurance premium has been reduced for vehicles with popular models; And a few car owners will be more sensitive and more likely to make complaints about the price increase. This will lead to some cognitive illusions about "general price increases in vehicle insurance". Industry experts also suggest that after the auto insurance reform, insurance companies will price more accurately for target customers, but the pricing theories and factors will be different. It is suggested that car owners can "compare three goods" when selecting insurance, and make a choice after inquiry one by one. (outlook new era)