Comparison of value added services of auto insurance companies, what is value added services for aut

1. Compulsory traffic insurance.

Insurance liability: the personal and property losses of the victim (excluding the vehicle personnel and the insured) caused by road traffic accidents.

2. Third Party Liability Insurance.

Insurance liability: The insured or its permitted qualified driver in the process of using the insured vehicle, in the event of an accident, resulting in a third party suffering direct damage to personal ** or property, the amount of compensation that shall be paid by the insured in accordance with the law, the insurance company shall compensate in accordance with the "Road Traffic Accident Handling Measures" and the insurance contract.

3. Vehicle damage insurance.

Insurance liability: The insurance company is responsible for compensating for the losses caused by the insured or its permitted qualified drivers in the process of using the insured vehicle due to the following reasons: the loss caused by the accidental collision, rollover and other accidents of the insured vehicle; Fire around the insured vehicle, damage to the vehicle; Losses caused by the collapse of external objects, the fall of objects running in the air, and the parallel fall of the insured vehicle while driving; Losses to insured vehicles due to the following natural disasters:

lightning strikes, storms, tornadoes, torrential rains, floods, tsunamis, subsidence, ice subsidence, cliff avalanches, hailstorms, mudslides, landslides; Damage to the insured vehicle caused by a natural disaster (only if the driver is with the attendant on board) on the ferry carrying the insured vehicle.

Compensation items: including the loss of the vehicle itself in the accident and the reasonable expenses incurred for the reasonable rescue and protection measures taken on the vehicle.

The characteristics refer to the one-day payment of car insurance, the collection of claims materials on behalf of the door, and the free roadside assistance service. What are the specifics of fast, easy, and free? As early as 2003, Ping An of China (601318, stock bar) took the lead in China to implement the national general claim service of lead car insurance, which greatly shortened the time for customers to go back and forth to claim compensation; In 2009, Ping An Auto Insurance launched three services, namely, to provide all auto insurance customers with a convenient service of less than 10,000 yuan, complete information, and three-day compensation; In 2010, the time for car insurance claims was shortened from three days to one day; In 2011, Ping An Auto Insurance launched a bag of claims service, that is, after the customer is out of insurance, the surveyor informs the customer within the scope of the service case type that the claim information should be prepared, and gives the claim information special express bag, the customer only needs to dial the express on the envelope to accept **, no need to rush to the door to hand over the claim information, the express company will come to collect the information and deliver it to the claim office.

I'm afraid it's the most intimate service that all car owners need. As an important part of Ping An Auto Insurance's value-added services, Ping An Auto Insurance VIP customers and customers who purchase commercial auto insurance through the Internet can enjoy a number of services such as national vehicle breakdown emergency rescue for free for unlimited times during the policy validity period. Includes:

Seven free rescue services, including free electricity connection, emergency fuel delivery (fuel cost at your own expense), emergency water refill, tire replacement, on-site repair, trailer towing (within 100 kilometers), hoisting and distress rescue. In addition, once the customer's vehicle is out of danger, Ping An Auto Insurance can handle the whole process from damage assessment to maintenance and claims, even if the owner does not take the initiative to ask for help, the staff of Ping An Auto Insurance will also take the initiative to browse the information in the claim process every day, and once the problem is found, the owner will take the initiative to contact and guide the claim work, which is both worry-free and labor-saving, and fully meets the needs of customers.

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

Chinese Citizen Insurance Car Insurance has towing services but not for everyone, the details are as follows:

Clause. 1. There are differences in the scope of free maintenance and trailers.

So far, almost all insurance companies have provided free roadside assistance for breakdowns and accidents. The specific content includes trailer service, charging service, tire change service, refueling service, etc. Despite such intimate services, the services of insurance companies are also limited, and the free distance of each company varies greatly.

Clause. Second, the rescue targets of insurance companies are not the same.

When each insurance company introduces its insurance, it will repeatedly mention that the speed of claim settlement is fast, and it belongs to the category of free regret. At first glance, these two points are very appealing to car owners, but a closer look at the terms and conditions of the insurance will reveal that there are some implied conditions, as well as clear rules on the types of customers who provide the service and the breakdowns they encounter.

Expand the pre-regret ruler reading: [insurance] how to buy, which is good, teach you to avoid these insurance"pits"

On September 12, the entire aftermarket is at the trillion level, of which the car insurance market is nearly 700 billion, but at present, under the new policy of the insurance regulator, the traditional means of various insurance channels have failed, and the pressure on customer acquisition has increased; At the same time, for car owners, the discount is reduced, and the expenditure on minor accidents is increased as a whole (each maintenance is faced with the problem of taking insurance and increasing the premium in the next year, and self-paid insurance is equal to buying for nothing).

The "Bee Car" I recently contacted is a car insurance value-added service operator, which mainly solves the pain points of the "small scraping" application scenario of the car owner group, and helps the car dealer to establish a connection and reach path between the insurance channel and the car owner through the Internet blockchain and other technical means and the operation mode (maintenance**) of mutual assistance among community members, so as to enhance the car owner group to improve the ability to resist risks.

Specifically, Bee Car provides a compliant and attractive maintenance program that is more attractive than simply returning to the original, magnifying the car insurance fee to 4 times the cash value, which is more cost-effective for consumers to insure and for insurance companies, it can prevent disasters and reduce their compensation costs. In the event of an accident, the products provided by Bee Car can be deducted from the maintenance expenses, and there is no need to go through insurance, and the premium will not rise because it is not included in the insurance record.

In terms of the resources needed to do this, Yu Kairui, CEO of Bee Car, told 36 Kr that the company began to do the community economy "Yalai Technology" in 2014, and built a corresponding community platform in 2015, with two products, Bee Club and Bee Car, of which Bee Club covers more than 1,000 medium and large NGO community organizations, including more than 2 million middle-class users in Guangzhou and Shenzhen. This year, Alpha began to explore community financial services.

In terms of the qualification resources of the mutual insurance model, Beecar has established a cooperative relationship with Zhonghui Mutual Insurance to obtain the domestic property insurance mutual insurance license, as well as the Internet mutual insurance qualification, and provide mutual insurance-related product design, actuarial and risk control support.

In terms of insurance companies and brokerage** resources, Beecar has reached a cooperation with Tencent WeInsurance, a WeChat-based auto insurance channel, to provide them with value-added auto insurance services. In addition, Beecar has also signed cooperation agreements with PICC and Pacific Ocean, and reached cooperation intentions with Ping An, Zhonghua, Anxin and AXA Tianping, and other partners of Beecar include Dolphin Baobao and Zhitong Engine.

In terms of business model, Bee Car charges a service fee to the insurance channel, which stems from the handling fee of the insurance company, so the insurance channel does not need to increase the budget.

Bee Car will charge a service fee of 1%-3% of the premium of commercial auto insurance, and its premium can reach up to 600 million years, and the first stage can achieve breakeven. In terms of the company's cost, the Beecar team has about 20 people, and the total expenditure on comprehensive administrative travel, servers, and third-party technical cooperation is about 500,000 yuan per month.

The angel round entrepreneurial team invested in the prea round in 2016, and the current bee car plan to finance the A round, with an amount of 20 million to 40 million.

The policies of each company are different, so the regulations are different.

Not bad, quite large.

The value-added services of car insurance are usually free towing, emergency rescue, sending you fuel when you run out of fuel (the fuel fee is still derived), and the annual review on behalf of the agent.

However, these services are usually rarely used.