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“二次费改”第一单落地长沙
2017-08-11 07:04:36 中国青年网
“保险行业商业车险赔付率可能有所提高,客观上要求各公司进一步把工作做细、做好,承保、查勘、理赔、代理中介各环节都马虎不得。”据相关人士介绍,湖南商业车险改革全面启动的“时间大限”为8月底。湖南多家财险公司开始启用新版的商业车险费率、条款。人保、平安、国寿财等公司陆续实现二次商车费改切换上线,这标志着湖南深化商业车险费率改革迈上了新台阶。
消费者:做一个好车主,更要做精明买家
“毫无疑问,商车险二次费改加大了保费降价空间。未来风险低的‘好车主’将成为各大保险公司争抢的资源。”一位保险中介渠道人士介绍说,中国保监会7月6日下发了《关于整治机动车辆保险市场乱象的通知》,要求保险公司不得偏离精算定价基础,以低于成本的价格销售车险产品,开展不正当竞争。加上行业加强自律,4S店的暴利时代可能即将远去,优惠将实打实落到消费者头上。
“车主交通违章次数、车辆理赔次数越少,第二年续保时保费优惠力度越大;反之,如果上一年或连续几年有过出险记录,且交通违章频繁,车型本身维修费用相对较高,保费或将大幅上浮。”资深车友高捷认为,“消费者选择车险产品不应单纯比价,应理性购买商业车险;应通过正规渠道购买车险产品,提高自身维权意识。”
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