Ma Ziqing, editor of Yuan Yuan, a journalist.

The reporter learned from the industryNolimitpokerRecently, some insurance companies have issued internal documents requiring strict self-discipline and strict car insurance cost management for newly reinsured family cars and driving insurance from April 15.

On April 15, a meeting on auto insurance was held within the industry. The meeting held that the comprehensive cost rate of auto insurance has reached the vicinity of the break-even point. If the high-cost behavior of the industry is not checked, it will seriously affect the high-quality development of auto insurance. Therefore, after comprehensive consideration, we are prepared to try out the three mechanisms of 'investigation, notification, and linking' in the field of automobile insurance. " Some industry insiders said.

Strict management of car insurance expenses

A few days ago, some insurance companies in the auto insurance industry have made requirements for various agents and brokerage companies. According to the documents obtained by the reporter, in order to implement the requirements of the "Circular on strengthening the Management of Automobile Insurance expenses" issued by the General Administration of Financial Supervision, take the initiative to maintain market order, standardize sales behavior, and cooperate with the industry to crack down on the chaos of the market infringing upon the rights and interests of consumers, from April 15, 2024, various agencies and brokerage companies should work together to strictly implement the following relevant sales standards.

First, it is forbidden to give or promise benefits other than those stipulated in the insurance contract of the policy-holder or the insured by means of returning cash or giving away securities and non-clause value-added services.

The second is to do a good job in the protection and publicity of consumers' rights and interests, standardize sales behavior, and clearly inform the rebate that it is suspected of commercial bribery, so as to jointly improve the quality of customer service and safeguard the legitimate rights and interests of customers.

Third, the industry conducts regular return visits to uninsured customers, and once it is verified that there is a return of cash or illegal gift of non-term services, it will immediately suspend business cooperation and reserve the right to investigate the responsibility of the relevant personnel.

It is worth mentioning that there are also relevant notices issued at the same time for the sales team of insurance companies. Starting from April 15, a number of insurance companies in the industry will implement strict self-discipline for new reinsurance of family cars and driving and riding insurance.

First, with regard to the zero discount fee for household cars, only the basic handling fee of the system is retained, that is, 15% of fuel commercial insurance, 8% of new energy commercial insurance, 4% of traffic insurance, and the driving policy distinguishes between renewal and reinsurance; second, the return of domestic cars and drivers is prohibited in any form, including the basic handling fee shall not be returned, and if it violates regulatory self-discipline, the main body of the branch shall be punished, and the corresponding agent and commissioner shall be punished according to the upper limit.

Strengthen "the unity of newspaper and bank"

It is reported that on April 15, a relevant meeting on auto insurance was held within the industry to make it clear that problems such as high costs and irrational competition in the auto insurance industry have been alleviated, but it has not been fundamentally solved at present. To this end, the General Administration of Financial Supervision requires that the three mechanisms of "investigation, notification, and linking" be tried out throughout the industry to strengthen the "integration of reporting and management."

The three mechanisms are the inspection mechanism, which organizes various localities to carry out flight inspection on the implementation of "integration of newspaper and bank" in accordance with the principle of "compliance with law, effectiveness, self-discipline, and tusk with thorns", and at the same time strengthen the use of inspection results. for insurance subjects found to violate the requirements of "integration of reporting and banking", penalties for stopping the use of car insurance products shall be imposed in accordance with the Insurance Law, and on-site inspection and investigation shall be carried out.

Notification mechanism to report the operation of auto insurance in various regions on a quarterly basis, includingNolimitpokerThe ranking of comprehensive expense rate and comprehensive cost rate, the quarterly change of comprehensive expense rate and comprehensive cost rate, and the authenticity of the data (focusing on delayed entry of expenses, transfer of expenses to the claim side, transfer of expenses to non-car insurance, etc.).

The linking mechanism links the situation of key indicators of automobile insurance in various regions with the number of typical cases in which local car insurance products are stopped using. In principle, in areas where key indicators (comprehensive expense rate and comprehensive cost rate) perform poorly and deteriorate greatly compared with the previous quarter, there will be more cases to be reported in the next quarter. Fluctuations caused by major disasters will be appropriately eliminated and the Xizang area will not be included for the time being.

It is reported that the mechanism was proposed at a briefing on vehicle insurance regulation held by the property Insurance Department of the General Administration of Financial Supervision in March this year, at which the relevant person in charge revealed that it would be tried out soon. The convening of this meeting means that the supervision of the auto insurance industry to control sales expenses and reduce debt costs has been tightened again.

"this time the requirements are very strict, and the aim is to reduce the comprehensive cost rate." Some people in the industry told reporters. A reporter from the Daily Economic News noted that in the past two years, the industry has been promoting the regulation of cost control in the auto insurance industry, and in order to promote the development of ecological norms in the auto insurance industry, the head organization of the property insurance industry has also launched an industry self-discipline convention, calling on practitioners in the industry to promote the development of the whole industry, participate in competition fairly, and jointly maintain a good auto insurance market order.