Shanghai auto insurance market share fell in an increasingly competitive
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Although the Shanghai auto insurance as a share of the decline, but has become increasingly fierce market competition.
2007, Shanghai add six main auto insurance business, including a foreign Chanxiangongsi. Statistics show that the additional six main competition in auto insurance, auto insurance before the February total operating income of 1.06 billion yuan, the market share of 8.42 percent. As some of the old New Year’s companies have “customs” and to remain part of the business end of the year reported, the new company’s auto insurance business accounted may actually be higher. search engine marketing
Mainly engaged in the automobile insurance business to insurance companies decline in business there has been a proliferation of powerful, Cheonan, China, Huaan, and other seven companies this year’s auto insurance business in a certain degree of negative growth. Among them, two Huaan vehicle insurance business only on the income of 8 million yuan, down 98 percent; China’s motor insurance income fell nearly 40 million yuan. It is clear that auto insurance losses have been to many Chanxiangongsi overwhelmed, business transformation imminent.
It is worth noting that even if the vehicle insurance premiums steady growth of insurance companies, the market share also fell. Such as Shanghai property insurance boss PICC Property Insurance auto insurance business has maintained a growth rate of nine percent, but market share declined by 0.8 percentage points. The reason lies in the life General Insurance, Bank of China insurance market Rookie of the fast-growing, to some extent, the diversion channel business.
(Motor insurance) Che Sunxian rise in the rate of payment
This year, the total amount of compensation Shanghai motor 770 million yuan, an increase of 53 percent, the simple payment rate reached 61.22 percent. Among them, three responsible for commercial insurance and risk a simple cross-payment rate was 52.72 percent, 47.04 percent. Che Sunxian become the focus of payment, vehicle insurance claims about 50 percent of the total, simple payment rate of over 70%.
Che Sunxian private car is the “disaster”, the amount paid small, high-frequency Chuxian is the main characteristic. Between the insurance companies for auto insurance business, with little risk to ensure the business is leading to the main reason for the high rate of payment. Che Sunxian paid a lot of water, some insurance companies in the survey of the accident, the loss of definition, maintenance costs and other aspects of the claims without control, resulting in increased business risk.
At the same time, continue to deceive the compensable, repair shop, claims the owners and members of the collusive fraud case Fangbushengfang. The industry said that auto insurance is a typical management of insurance, insurance companies underwriting the need to control and adjustments in control of a strong means, the rate is only more junior management approach. It is understood that in foreign countries, insurance companies generally linked with the automobile industry to establish deeper cooperation in various areas, form a unified interests and the concept of development, fundamentally eliminate the cheating cases the source of compensation. Such an approach worthy of reference.
Intermediation costs increase
Recently, China Ping An (601,318 market, stock it) released the 2007 annual report shows that market competition will intensify in the circumstances, the risk of its production rate has increased operational costs, leading to comprehensive cost rate, the increase to cover a substantial part of intermediary Agency fees.
By the end of February, Shanghai, a total of 252 insurance intermediaries, including 131 insurance agents, insurance agencies estimates of 43, 78 insurance brokers agencies. Intermediary bodies on car insurance premiums increasing the contribution, the intermediary insurance companies increasingly rely on the strong.
According to informed sources, insurance companies knowingly take business from the intermediary to pay high fees, but could not avoid. In particular, the newly established insurance companies, the early pressure paid little more than some of the costs will be able to come up with easy access to a large number of business, Why not » However, insurance companies, intermediaries can not get customers, it is therefore a result of the dependence on intermediaries.
In addition, although many insurance companies initiated the development of telephone sales operations and has the advantage of rates, but the intermediary for the sale of one-stop strategy and the concept of insurance services, to attract private car owners Quegeng consumption, which allow insurance companies a lot of frustration .auto insurance
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