The current state of car insurance services 50, the current state of car insurance services

After several years of industry standardization, auto insurance, especially commercial auto insurance, has gradually achieved profitability, and claims services have also been greatly improved, including the timeliness and service quality of investigation, damage assessment skills and reasonableness, the speed of compensation, the simplification of processes and the simplification of claim procedures, in short, the business conditions of auto insurance have been improved to a certain extent; In terms of compulsory liability insurance, due to the improvement of personal injury compensation standards in recent years, the operating results of compulsory liability insurance have deteriorated, and most branches of most insurance companies have shown losses or even serious losses, indicating that the current rates of compulsory liability insurance have been adjusted, and the realization of regional differentiated rates may be more suitable for China's national conditions.

1. Insurance subjects.

As of 2010, there were 38 property insurance companies in the country, almost all of which operated auto insurance, and the competition in auto insurance was also extremely fierce.

Second, the rates and terms are seriously homogeneous.

Domestic auto insurance companies mainly use three different terms, namely ABC clauses, which are formulated by PICC, CPIC and Ping An, and other companies choose one of them. The three clauses are similar, but there are slight differences in individual exemptions, and the rates are also convergent, and the ** of each company is not much different. This aspect is also related to the habits of consumers, car insurance consumers pay more attention to the first, not pay attention to the protection of the product, only care about the comparison when consuming, never care about the content of the insurance, just take it for granted that the "full insurance", which also makes the insurance company try to take low prices when the first time, which ultimately leads to the first competition.

3. Rates are subject to adjustment.

With the decline of the whole car and the increase of after-sales service costs, the rate of car insurance, especially car damage insurance, needs to be redetermined, because the rate of car damage insurance is based on the value of the vehicle to determine the premium, the decline of ** will inevitably lead to a decline in premiums, which will also lead to a decline in the adequacy of premiums, and the rise in after-sales service costs will also inevitably lead to an increase in the cost of car damage insurance.

Fourth, there is still a lot of room for improvement in claims service.

Although in recent years, due to the intensification of competition, various companies have made a lot of efforts in terms of claims, and have promised to pay the timeliness. On the one hand, this is the result of the legal constraints brought about by the insurance law, and on the other hand, it is also the inevitable trend of various companies competing for the auto insurance business. There are still many gaps between the improvement of the timeliness of claims, the reasonableness and adequacy of claims, and the service attitude of staff, especially the counter service, which is very far from the bank, and it is still necessary to work hard in this regard, invest resources, and improve the service level and ability.

Let's talk about so much for the time being, and there are some more, please relay, hehe.

Is the landlord focused on claims, insurance, or other items?

You need to have a detailed understanding of the car insurance business, and at the same time have a wide circle of friends, and at the same time respect consumers. Novices will generally have old salesmen to bring, and there will be someone to teach them after sale. The salesman not only needs to contact the customer, but also needs to run the business.

1. You need to understand the key points of the car insurance business, not only to understand the needs of the market, but also to grasp the cost of insurance.

2. Have a wide circle of friends, because the circle of friends is large, the possibility of your business transaction will also increase, and the more wealth you will create for the insurance company.

3. Respect consumers and explain the relevant car insurance knowledge to consumers in detail, which can solve many problems. Only by allowing consumers to invest in insurance clearly and using car insurance with peace of mind can more consumers trust.

4. Novices will generally have old salesmen to bring, and there will be someone to teach them after sale. The salesman not only needs to contact the customer, but also needs to run the business.

Summary. Hello, dear, there are shortcomings: there are few types of car insurance, the service of insurance companies cannot keep up, and the publicity of motor vehicle insurance is not enough.

Hello, dear, there are shortcomings: there are few types of car insurance, the service of insurance companies cannot keep up, and the publicity of motor vehicle insurance is not enough.

It is precisely because of this factor that the insurance rate of domestic motor vehicles has been in a sluggish state. In Beijing, which has the highest social ownership and insurance ratio of motor vehicles in the country, the insurance rate is less than 50%, while the insurance rate of motor vehicles in developed countries is above 80%.

Thank you for the consultation.

The initial stage is to hit **, relying on probability to increase customers. is the dumbest, but also the most realistic. First of all, you have to work with a certain big **, and he will provide you with customer information, and you will fight for it yourself.

Some old salesmen will teach you some, and you yourself should often summarize how to express your meaning in the simplest words, causing the least disgust. Keep a normal heart, do it slowly, and when you do a dozen, twenty or so, you can disappear in the company. We rely on our relationships with our customers to expand our business through our customers.

At this time, you can consider establishing a relationship with a certain repair shop, your customer's car will be repaired in another factory, and you will propose the percentage of damage. This is the ultimate goal of doing car insurance business, and the loss assessment point is completely different from the insurance policy point, because the loss assessment point (that is, the car repair commission) profit is quite large, up to 10,000 or 20,000 yuan, of course, it is a major accident car, and there are generally several hundred yuan to earn. At the beginning, you have no customers, or fewer customers, and your customer's car can only be repaired by the big **, don't think that he has helped you, in fact, he has eaten you a lot of money.

Therefore, the after-sales service will generally not tell you clearly, but just tell you that you don't have to worry about the after-sales service, as long as there is something to ask them to repair the car.

Now the sales of car insurance have basically been channelized, car dealers, telemarketing... How much premium can a year be paid by just relying on the salesman?

Of course! After the morning meeting, go out to do business, ** to fight, or how someone will find you for car insurance, to see the customer of course have to run out, hehe! Learn to !! slowly

Now the real salesman of the insurance company.

There are very few of them, and that's because in the past, salesmen were all units, because there were very few individuals with cars. After the car reform, the number of unit vehicles has decreased significantly, and individuals are buying more and more cars. Now the insurance company mainly does the channel business, 4S shop, sales, insurance company, etc., you say that there will be a telemarketing channel to do, they sign an agreement with the insurance company, the insurance company pays the fee, and they hire people to sell car insurance through the customer information they have.

I'm doing car B insurance, and I don't know anything about business.

Summary. Auto insurance business development ideas: First of all, it is certain that the future development direction of auto insurance must be digital and intelligent.

Because now, with the rise of high-tech such as the Internet of Things, artificial intelligence, and big data, it is possible to use these high-tech as a driving force to open up new markets when the original auto insurance market is close to saturation. In particular, the online auto insurance business can simplify the intermediate process of auto insurance, reduce intermediate costs, facilitate customer processing, and improve the development level of the entire auto insurance industry.

Auto insurance business development ideas: First of all, it is certain that the future development direction of auto insurance must be digital and intelligent. Because now, with the rise of high-tech such as the Internet of Things, artificial intelligence, and big data, it is possible to use these high-tech as a driving force to open up new markets when the original auto insurance market is close to saturation.

In particular, the online auto insurance business can simplify the intermediate process of auto insurance, reduce the intermediate cost, make it easier for customers to handle, and improve the level of development and development of the entire auto insurance industry.

Related measures: With the development of Internet of Vehicles technology in recent years, insurance companies can work with Internet of Vehicles platforms and host manufacturers to quietly launch car insurance loss assessment and claim technology, car insurance SaaS, car insurance IT system, etc., with the help of the advantages of digitalization, and collect data construction and development fees and information monitoring service fees to improve user experience.