|
|||||||||||||||
|
||||||||||||||||||
Data:2009-12-12 2:34
The Pacific insurance company auto insurance, for example, affect the premiums are basically floating "from the sale", "From" and "from the car", "from use", "From region" of these five factors.
From the sale of
Auto insurance sales channels can be divided into marketing, professional agents, and business agents, direct marketing, telephone sales and online sales. Because insurance companies have invested these sales the way the cost of high and low, so the insured to purchase auto insurance through different channels, the benefits obtained are also different. By phone, online insurance, access to preferential highest, about 20%; direct followed at 10%; the other way had no offers.
From human
Driver age, driving experience and gender factors in determining premiums. In general, younger drivers young and fit, I am pleased to drive fast and prone to traffic accidents, while older people, speed is slow, the lower the probability of an accident. Similarly, the driving experience for the elderly is relatively safe to drive. At the same time, due to personality and physiological conditions of men and women of different age section, the same age in the gender difference, but also there are some differences. Therefore, the Pacific Insurance Company against the drivers of the human condition out of the "age - driving experience - sex" three-dimensional coefficient of age, driving experience, gender alone are more reasonable. In all cases aged 25-60 years old, driving experience more than 10 years of women's access to the highest premium discount of 5%. Similarly, at this age, driving experience more than 10 years of men can enjoy the 4% discount. Driving experience and 25 years of age and not more than 3 years, while men can not enjoy the discount.
From car
In the insurance auto insurance in a number of additional insurance, the car itself and its security devices and the use of parking places and also the impact of additional risk premium factor. If the entire vehicle Daoqiang Xian, the vehicle anti-theft device and a fixed parking venues are different, the need to pay different premiums accordingly. No anti-theft devices can not enjoy the discount, while GPS devices can enjoy the entire vehicle Dao Qiangxian up to 40% discount, GMS for 20%, 10% of electronic anti-theft devices and machinery for the 5%. Parking spaces from the point of view, the entire car garage Daoqiang Xian fixed discount of 15%, own 10% of parking spaces, open-air public parking is 5%.
From using
Car experience is the vehicle by the insured if there had occurred in the past indemnity situation. Records of the past, the better the car in the premium naturally enjoy more preferential treatment. This is similar to the bank customers to build a credit history, credit the higher degree of preferential access to credit, etc., while on the blacklist of people want to re-obtain loans from banks will be very difficult. Non-indemnity insurance for the past number of years the incentives to come to points in 3 consecutive years without compensation rate to fall 20 percent premium to consecutive two-year rate to fall 15% over the previous year without compensation for 10%, last year there have been compensation can not be enjoy the benefits.
From regional
Driving the area into the province, and immigration within the three types of insured vehicles traveling in the province, the premiums can have a 5% discount, there is no territory, immigration not only does not discount the enjoyment of, the premium should rise 20% .
For example, insurance
Parsimony-type driver: Mr. Ji, 25 years old, the insured driver's license practical vehicles: private cars, 10 million has been invested in Beverly; non-electronic anti-theft system, no fixed garage traffic regions: Shanghai, insured means: Phone for the first time the list of insured insurance Loss of vehicles: 1230 yuan (100,000 yuan insured) = (100000 × rate of 1.2% +100000 × basic premium rate of 0.2% + 240) × 0.75 discount on third-party liability insurance: 750 million (insured amount 50000 yuan) = 1000 premium × 0.75 risk of breakage of glass alone: 112 CNY = 100000 sum insured × 0.15% rate × 0.75 basic insurance deductible, excluding special risk: 396 CNY = (Ju Sunxian 1230 + third-party liability insurance 750) × 0.2 rates for the vehicle officers liability insurance (5): 101 yuan (50,000 yuan insured) = 5 × 10000 per × 0.27% premium rate × 0.75 Total: 2589 yuan (about 25% discount ratio = Phone Shanghai travel insurance 20% + 5%), practical driving person: Ms Zhou, 33-year-old, 3-year driving experience the insured vehicle: 1998 year 16 million has been invested Santana 2000, electronic anti-theft system, there is a fixed garage; year accident-free Driving Area: Shanghai Insurance Approach: Telephone renewal insurance list of insurance for loss of vehicles: 1632 yuan (160,000 yuan insured) = (160000 × 1.2% rate +106667 vehicle depreciated value × 0.2% of basic premium rate +500) × 0.62 discount on third-party liability insurance: 868 million (insurance by 10 million) × 0.62 = 1400 premium entire vehicle Daoqiang Xian: 496 yuan (vehicle depreciation value of 106,667 yuan) = 106667 × 1% discount rate × 0.62 × 0.75 (separately for the additional insurance discount) glass breakage alone: 148 yuan = 160000 × 0.15% rate × 0.62 basic insurance deductible, excluding special risk: 500 = (Ju Sunxian 1632 + third-party liability insurance 868) × 0.2 Rates Total Premium: 3645 yuan (preferential ratio of about 38% = 20% + a year phone insurance and accident-free driving Shanghai 10% + 5% + 3% of women)
