Why is the insurance premium different for a commercial car and a family car when the insurance type

Hello, although the insurance is the same, but the insurance cost of business cars and family cars is not the same, just like the electricity and water charges charged by our commercial housing and self-housing, ** are not the same, business vehicles belong to business vehicles, and the insurance costs charged are naturally higher.

The risks are different. The frequency of use of private cars and commercial vehicles, the risk of continuous driving and fatigue driving of drivers, and the uncertain driving trajectory lead to completely different risk levels of operating vehicles and non-operating vehicles of the same model.

There is a set of data: the overall cost rate of the national auto insurance market is about 98%, of course, there are some insurance companies in order to seize the market to adopt the high cost of high costs. But in general, the profit of the auto insurance market is almost none, and auto insurance is more used for many property insurance companies to expand their scale and increase liquidity.

And with such a high comprehensive cost ratio, what about the compensation status of car insurance? The payout for both operating and non-operating vehicles is more than 60%, but please note that the difference between the premium of the operating vehicle and the same non-operating vehicle is about 3 times, and if the premium is the same, then the loss ratio of the operating vehicle alone will be as high as more than 180%.

This kind of money-losing business will not be touched by any insurance company, you know, insurance companies are for-profit financial institutions, not charities, and things that lose money and have no benefits will never be touched.

In fact, the reason why the loss ratio of operating vehicles is so high is based on its special nature, because it not only has the function of transportation, but also takes into account the function of production tools, and the utilization rate of operating vehicles is about 3 times that of private cars, and its function and service life are much lower than those of private cars, and the corresponding risks are much higher than those of private cars. For example, if a taxi driver drives for more than 10 hours a day and spends most of his time in a sports car except for eating, drinking, and sleeping, the probability of an accident is much higher than that of an office worker who only drives to and from work, which is the reason for the difference in premiums.

Of course, the difference in premiums will eventually be passed on to the cost of using the car, and then reflected in the cost of transportation, etc.

Let me give you a typical example:

A typical commercial vehicle "taxi" travels 12 hours a day, or 360 kilometers, at a speed of 30 kilometers per hour, and travels 118,800 kilometers and 3,960 hours a year for 330 days a year.

Family car, I commute to work every day 45km, hours, 22 days a month, calculated according to 12 months, mileage 11,800 kilometers, driving hours 396 hours.

It can be clearly seen that the difference in the number of kilometers traveled by the taxi is 10 times that of mine, and the number of travel time is also 10 times, and the increase in operating mileage and time leads to an increase in the probability of accidents.

Therefore, the premiums are certainly different, and the premiums for commercial vehicles will be significantly higher than those for domestic vehicles.

Summary. The second reason is that the number of accidents of the two cars in the previous insurance contract is not the same, the vehicle in the last insurance contract no more than two (excluding) premium is not reduced or increased, more than one (excluding) premium will be **, if there is no insurance, then there will be a discount.

Why are the premiums different for the same insurance company and the same insurance amount?

Hello, I am my partner Mr. Chen, I have received your question, the reply takes about 3 5 minutes, please be patient for a while Thank you

This is because the amount of insurance is not the only factor that determines the premium of motor vehicle third party liability insurance. In addition to considering the amount of insurance, the premium of motor vehicle third-party liability insurance is also closely related to the subject matter of insurance and the risk coefficient of the insured.

The first is that the nature or purpose of the two cars is different (self-use and commercial use are not the same).

The second reason is that the number of accidents of the two cars in the previous insurance contract is not the same, the vehicle in the last insurance contract no more than two (excluding) premium is not reduced or increased, more than one (excluding) premium will be **, if there is no insurance, then there will be a discount.

To sum up, the same insurance company will have different premiums for the same insurance amount.

I hope mine can help you, if you are satisfied with my service, please give a thumbs up, I wish you all the best! 

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Insurance claims do not cover risks such as fire, **, and spontaneous combustion in non-commercial vehicle insurance: First of all, commercial vehicle insurance does not cover risks such as fire, **, and spontaneous combustion included in private car insurance. Since private cars are only used for ordinary driving and do not carry dangerous items, the likelihood of this risk is lower than that of a mid-level collision.

However, commercial vehicles are not the same, and often need to carry many dangerous items, which can cause these accidents to occur while driving, resulting in losses. And the probability of occurrence is much higher than that of private cars, so these are exempted from the liability of the insurance company. 2. The amount of insurance claims for commercial vehicles is directly linked to the number of claims, and non-commercial vehicles are not affected by this

Claims for commercial vehicle insurance are more complex, mainly to enable the policyholder to improve their driving ability and minimize the danger. For example, if a car is often stopped in an accident, the amount of compensation paid by the insurance company to the insured vehicle will gradually decrease. Because if there are frequent accidents in commercial vehicles, it is not good for them and society, and it is easy to cause losses to others.

Therefore, in order to reduce the occurrence of accidents of commercial vehicles, the insurance company will reduce the compensation for them. At the same time, for vehicles that are often in danger, insurance companies should also increase their insurance costs accordingly, which is a kind of protection for the rights and interests of insurance companies.

There are three main factors.

First, in order to avoid homogeneous competition among insurance companies, the law supports insurance companies to develop auto insurance terms and determine rates according to their respective actuarial differences in risk and the scope of their own services. In 2003, the new auto insurance clause rate management system was fully implemented, and the commercial car fare reform implemented on April 1, 2015 includes:

1. Insurance companies are allowed to independently calculate the benchmark surcharge rate of commercial auto insurance.

2. Insurance companies are allowed to independently formulate "underwriting coefficients" and "channel coefficients" within the range of [-15%, +15%].

3. Insurance companies can choose to use industry model clauses or independently develop innovative clauses.

4. Insurance companies should establish a monitoring and adjustment mechanism for commercial auto insurance terms.

Second, the insurance company will calculate the insurance amount based on the actual value of the vehicle, the number of accidents in the previous year, the nature of the vehicle and other factors.

Third, it is necessary to verify whether the insurance is consistent, in addition to the compulsory traffic insurance that must be insured, motor vehicle insurance has more commercial insurance and additional insurance, even if it is the same commercial insurance, such as third-party liability insurance, the coverage of 500,000 and 1 million premiums is also different, so when different insurance companies, it also means that the stool should pay attention to the type of insurance provided and whether the coverage is consistent.

In the current market environment, there are still big differences in the services and coverage that can be provided by various insurance companies, so while paying attention to the car insurance premium, you also need to pay attention to the insurance terms and value-added services that are most suitable for your needs.

Because most people use a vehicle that is not a commercial vehicle, they don't particularly understand what a commercial vehicle is, let alone how it differs from a private car. Because the nature of a car affects the use of car insurance, it is important to understand what a commercial vehicle is and how it differs from a private car.

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1. Service life.

The biggest difference between a commercial vehicle and a private car is the age of service. Private cars do not have a useful life and are not forced to be scrapped. However, the operating vehicle is different, and it has a service life in the process of use, and the service life is different in different industries.

Once the service life is exceeded, the vehicle must be forcibly scrapped. Even if the vehicle is converted to a private car, there will still be a scrap life. What is a business vehicle, you can see if it has a service life.

2 Car Insurance Options.

In terms of car insurance choice, there is still a difference between car insurance for commercial vehicles and private vehicles. So what is a commercial vehicle determines what kind of car insurance you should choose. Ping An car insurance has a wide range of types, which can meet the different needs of different groups of people, and car owners can choose the type of car insurance they want according to their actual needs.

And only after you understand what is a business vehicle can you choose the car insurance that you are satisfied with.

3. The premium is different above.

Commercial vehicles and private cars also have some small differences in premiums because of the differences in the choice of car insurance. However, if you apply for insurance on the official website of Ping An Auto Insurance, whether it is a business vehicle or a private vehicle, you can buy the car insurance you want with a relatively low price**. And they are also able to enjoy the free roadside assistance provided by Ping An Auto Insurance for car owners.

So if you don't know what a business vehicle is, you can still buy it in Ping An Auto Insurance.

Hope it works for you.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The premiums to be paid by operating trucks and non-operating trucks are different, and there are several main differences between the two:

1. The operation certificate should be applied for several times a year, and the level 2 maintenance (mandatory potato belt) should be done several times a year, and the insurance premium is higher than that of non-operation. There are also requirements for drivers, who need to have an operating qualification certificate.

2. The operating vehicle should be required to maintain the secondary level once every 5 months (there is a second insurance card of the Xingyuan Transportation Bureau, and each time it is on the inspection line).

3. In addition to the driver's license, the driver of the commercial vehicle also needs to have an operating qualification certificate and a work permit that is consistent with the driving vehicle.

4. The insurance cost of commercial vehicles is higher than that of non-commercial vehicles.

1. Compulsory traffic insurance premiums for commercial vehicles.

1. Business rental lease of less than 6 seats 1800

2. Business rental lease 6-10 seats 2360

3. Business rental lease 10-20 seats 2580

4. Business rental lease 20-36 block 3730

5. 3880 for business rental and leasing of more than 36 seats

6. Operating city buses 6-10 seats 2250

7. Operating city buses 10-20 seats 2520

8. Digital-based business city buses 20-36 seats 3270

9. 4250 for more than 36 city buses

10. Business highway passenger transport 6-10 seats 2350

11. Business highway passenger transport 10-20 seats 2620

12. Business highway passenger transport 20-36 seats 3420

13. 4690 with more than 36 passenger transport seats on the operating highway

2. How to punish for not purchasing compulsory traffic insurance?

According to the provisions of China's "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability", the owner or manager of a motor vehicle driving on the road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the "Road Traffic Safety Law of the People's Republic of China".

1) If the owner or manager of a motor vehicle fails to purchase compulsory insurance for motor vehicle traffic accident liability in accordance with the regulations, the traffic management department of the public security organ shall detain the motor vehicle, notify the owner or manager of the motor vehicle to take out insurance in accordance with the regulations, and impose a fine of twice the insurance premium that should be paid in accordance with the minimum liability limit for insurance in accordance with the regulations.

2) If the owner or manager of a motor vehicle reapplies for compulsory insurance for motor vehicle traffic accident liability in accordance with the regulations, the motor vehicle shall be returned in a timely manner.

1) Calculation of vehicle loss insurance premiums.

1. Full insurance: Find the basic premium and rate according to the type of policyholder, vehicle use, number of seats, tonnage, vehicle service life, and the grade to which the new car purchase price belongs: premium = basic premium (the actual new car purchase price - the starting point of the grade to which the new car purchase price belongs) rate.

For example, what is the age of another insured vehicle? 4～5?

If the purchase price of a new car is 250,000 yuan, the purchase price of the new car to which it belongs is also 200,000 300,000 yuan; The corresponding basic premium is 2166 yuan on the rate table, and the rate is; Premium = $2,166 ($250,000-$200,000)

2. Insufficient insurance, that is, the insured amount is less than the purchase price of the new car, the premium should be adjusted accordingly, and the calculation formula is: premium (sum insured new car purchase price) standard premium when fully insured;

If the purchase price of a new business bus with more than one seat is less than 200,000 yuan, the insurance premium shall be calculated and charged according to the corresponding grade of 20 36 business buses; The trailer insurance premium is calculated and charged at 50% of the insurance premium of the corresponding grade of the truck of the same tonnage.

2) The premium calculation of the third nuclear seller's liability insurance: according to the type of policyholder, the purpose of the vehicle, the number of seats, the number of tonnage, the service life of the vehicle, and the liability limit, the insurance premium for trailers is charged according to the truck below 2 tons (the liability limit is unified at 50,000 yuan).

3) Calculation of the premium of the whole vehicle theft insurance: find the basic premium and rate according to the type of policyholder, the purpose of the vehicle, the number of seats, and the service life of the vehicle: premium = basic premium insurance amount rate.

4) Calculation of the premium of the liability insurance (seat insurance) of the occupant personnel: according to the type of policyholder, the purpose of the vehicle, the number of seats, and the insurance method, the search rate: premium = single-seat liability limit The number of insured seats rate.

5) Calculation of the rate excluding the deductible clause: premium = the sum of the premiums receivable for all types of insurance applicable to this clause (excluding the preferential treatment without compensation and risk correction) 20%.

6) Calculation of the premium of fire, spontaneous combustion and ** loss insurance: the fixed rate implemented, the premium = the insured amount rate (if the spontaneous combustion insurance is singled, the fixed rate is, the premium = the insured amount rate.

7) Body scratch loss insurance, according to the new car purchase price of the grade directly changed to find the premium.

8) Suspension loss insurance, the implementation of a fixed rate of 10%. Premium = Agreed maximum number of days of compensation Agreed maximum daily liability limit Rate.

9) No-fault liability insurance. The maximum liability limit of no-fault liability insurance is 50,000 RMB. The basic premium is $50 and the rate is: Premium = Base Premium Liability Limit Rate.

10) Special Relief Clauses. This rider can only be purchased after you have purchased vehicle damage insurance. A fixed premium is 150 RMB.

11) Pick up the car insurance Mingfan. Find premiums directly by the grade of the new car purchase price.