Wen | \”Financial World\” Weekly Ni Yuping
In recent, insurance company refused to pay a strong concern again.
The punishment is: refusing to insure the traffic accident responsibility for traffic accidents. \”Motorcycle Traffic Accident Responsibility Force Insurance\”, which is usually referred to as \”intensive insurance\”. The above four insurance companies have a penalty of 100,000 yuan in this penalty.
Similarly, after half a month, the Fujian Silver Insurance Regulatory Bureau also opened a penalty for this refusal behavior: Guoshou Financial Insurance Minhou County Support Company and Ping An Insurance Minhou Branch Company was fined 10 Wan Yuan and 120,000 yuan.
According to incomplete statistics, for the financial insurance industry of the stability, the total amount of the fineness of the 20020 manufacturing company reached 134 million yuan, and the total received 714 penalty. From the past penalties, the ticket opened by the financial insurance company refused to cover the insurance and intensive insurance, but this year seems to have changed, just in October, the supervision system has made many times Refused to pay a strong insurance related ticket.
If the time is long, this year, the large-scale insurance, Taishan property, Yong’an property insurance, etc. have been punished because of the rejection of insurance. Moreover, the \”old three\” people in the financial insurance industry have received similar tickets in the year. This undoubtedly points to a common problem – \”For insurance companies, it is covered with strong insurance or loss of loss.\” Some people are evaluated.
In the year, the multi-risk enterprise refused to protect the insurance
In the above mentioned ticket, July 13, the administrative punishment decision released by Shanxi Regulatory System is more than this refusal behavior. Detailed explanation:
On 2022, on April 20, 2021, there is a customer in the Wave-Bao Financial Insurance, Pingyin Bao Company, Sunshine Financial Insurance Pingyin Support Company Workplace, the self-unloading truck, insurance traffic accident responsibility When compulsory insurance, the staff of the above two insurance companies said that the self-unloading trucks could not purchase auto insurance, causing customers who fail to handle auto insurance (including intensive insurance) services, belonging to the company’s refusal to protect traffic accident responsibility for compulsory insurance.
It is understood that large trucks are one of the insurance companies refused to protect many models. Many media have previously reported that some property companies will deliver through \”policy update, temporary unhealthy\”.
Remove large-scale operating trucks, in the second half of this year, Taishan property insurance, Yong’an property insurance, etc., is punished for refusal to insure motorcycle traffic insurance. In Huaan Insurance, PICC Insurance, etc., the type of vehicle is not disclosed.
\”According to the relevant regulations, the insurance company must not refuse to cover the insurance, thisIt is also the maintenance of the regulatory authorities for roads and third party rights. \”The industry is analyzed.
In this regard, Hua’an Insurance Reply\” Weekly \”Weekly\” is said that \”Huaan Insurance has been strictly abide by the requirements of national laws and regulations, and continues to request The branch has strictly standardizes the implementation contracting system, and the responsibility of the unregulated behavior is investigated and strengthened. \”
In fact, in addition to this year’s more centralized ticket case, there are also dangerous enterprises in the phenomenon of intersection of intensive insurance.
In May, the China Silver Insurance Regulatory Commission has once Released the insurance insurance inspection reminder, recently found that some motor vehicle insured people in accordance with the safety insurance insurance insured in accordance with the law, individual insurance companies delayed or refused to insure the motor vehicle intensive insurance, causing the vehicle to operate normally.
last year In September, the Jiangxi Silver Insurance Regulatory Bureau also released notice on further doing a good job in the province’s taxi underwriting service work. In this notice, the Jiangxi Silver Insurance Regulatory Bureau pointed out that some Nanchang taxi owners concentrated on investment insurance, Mainly some insurance companies refuse to protect the car or insure insurance for taxi.
\”The companies should meet the insurance needs of insurance consumers … Effectively fulfill social responsibility. For the insurance business, each company must strictly follow the requirements of the \”Motor Vehicle Traffic Accident Enforcement Insurance Regulations\” to ensure timely insure, may not reject or delay the underwriting of any reason … \”Jiangxi Silver Insurance Regulatory Bureau in the above notice Talking.
There is a risk of loss, insurance companies are not willing to sell intensive insurance?
In 2006, there was a dangerous risk of dancing, and the business insurance constituted auto insurance risk protection system. It is reported that the intensive insurance is the first by the country The ruled insurance system in accordance with the provisions of the law. It is the compassion of the insurance company causes a personal casualties of the victim (excluding the car person and the insured) in the road traffic accident. It is compensated within the liability limit. Responsibility insurance.
In product design, the insurance premium income of intensive insurance is a national unified, only a price difference in different automotive models. Further, the number of car seats is affecting insurance prices Important factors.
\”Compared with household cars, the risk of large freight cars is higher\”, \”Professor, Central University of Finance and Economics, Hao Dynasty, pointed out that\” large-scale trucks and other vehicles, considering operating costs, often Will ‘Dora fast’, which leads to the risk of rising auto insurance payments. \”
At the end of 2020, many dangerous enterprises disclosed the operational data of 2019. Operation or non-operational truck,The passenger car contributed more premium income in the underwriting model. Operating trucks and passenger cars are still models that financial insurance companies underworld a loss. Underwriting, the operational truck of people in person insurance is 229 billion yuan, 14.843 billion yuan. China Taibao’s operating trucks, the accumulated loss of 255 billion yuan and 914 million yuan.
According to the above-mentioned intensive insurance business data, 2019, human protection property insurance, safe property and too much protection have earned profitable. However, for small and financial insurance companies such as mid-circuit property, integration of financial insurance, the intensity insurance is still in terms of operating losses, which is also one of the reasons for some danger companies that are not willing to sell.
In addition, Wang Xu, director of the Department of Insurance, Beijing University of Technology, said, \”On the other hand, due to the full responsibility of motor vehicles, some ‘Tonghetin’ and ‘fraud should be happened, for insurance companies The words are also facing larger payout pressures. \”As the\” half a public product \”, since the intensive insurance has been introduced, the insurance company has requested the insurance company to follow the principle of\” uncommon loss \”to undertake the risk guarantee function. . In this regard, Wang Xuyi believes that there are some adjustment spaces in this. \”Under the guidance of ‘not worthwh, it should change the business model of the insurance company, and the direct operation is changed to agency model. The insurance company only earns commissions, and better promotes insurance.\”
[123 ] Hao Dynasty Su pointed out that for the improvement of intensive insurance, it should be jointly discussed by the relevant departments. In addition, he also called for the insurance insurance should improve the level of protection of personal safety and life. \”In the actual driving process of vehicles, the criticism of vehicles, the probability of property loss is greater than the probability of personal safety, but for most, the property loss can be recovered, but when the incident of personal safety occurs, the loss It is difficult to make up. \”He said that the insurance should improve the safeguards of personal safety, and the safeguards of property can also be better borne by business insurance. . Violate the people.