CCTV Beijing, August 2 News According to the Economic Voice of China Central Radio and Television, there was a business called "safety co-ordination" within some large transportation groups, which provided additional protection for the company's vehicles in the form of mutual assistance. This model not only improves the level of risk protection of vehicles, but also reduces accident disputes to a certain extent and maintains social stability. Why did this business, which was originally full of public welfare, gradually turn sour, and even became a tool for some enterprises to make illegal profits? The Voice of the Economy launched a series of reports "Investigation of "High Imitation Car Insurance" Gray Industry", which focuses on the growth of mutual aid and public welfare into illegal profits, and the growth of "vehicle safety co-ordination".
Some enterprises are suspected of illegally engaging in commercial insurance activities
In July 2012, the "Opinions of the State Council on Strengthening Road Traffic Safety" (Guo Fa [2012] No. 30) clearly stated that "transport enterprises are encouraged to adopt traffic safety co-ordination and other forms to strengthen mutual assistance in the industry and improve their ability to resist risks". Industry insiders who have been concerned about vehicle safety co-ordination for many years told reporters: "According to the spirit of the State Council's 2012 document, it should be led by the Chamber of Commerce to establish an enterprise safety mutual aid platform, that is to say, it can be controlled internally." There are many forms of security control, insurance is just one form, and reinsurance is also a form. Therefore, in the railway industry and the fishing industry, there are concepts and practices of co-ordination. ”
Screenshot of relevant documents of the State Council
However, in the eyes of some enterprises, such policy support has become an opportunity to transform to socialization and commercialization. In the name of "XX Automobile Service Company" and "XX Safety Co-ordination", they turned into "high-imitation car insurance" to openly solicit business, and even carried out socialized sales under the banner of formal commercial insurance companies, promising rigid compensation, and were suspected of illegally engaging in commercial insurance activities. According to industry insiders, "co-ordination is not a new thing, but because there are a large number of co-ordination that are not doing well, everyone actually has some prejudice against co-ordination." ”
Some car owners who buy vehicle safety co-ordination are tempted by low prices because they are unclear about the difference between co-ordination and car insurance, and some are rejected by commercial insurance companies because of the high risk coefficient.
In recent years, the vehicle safety management business has proliferated, partly because of the huge price gap between it and formal insurance. Master Li, an online car-hailing driver in Haikou, Hainan, told reporters that if you buy regular car insurance, commercial vehicles are twice as expensive as non-commercial vehicles. Therefore, most of the people who take the initiative or even organize groups to buy "high imitation car insurance" are commercial cars. "If it's a commercial vehicle, the insurance premium is twice as expensive as the private car premium. For example, if we buy a private car for 3,000 yuan, we will ask for 6,000 yuan; The compulsory insurance for private cars is 900 yuan, and our compulsory insurance is 1800 yuan. Both compulsory and commercial insurance have doubled. ”
At the same time, the chaos of "high imitation car insurance" also reflects the common insurance problems faced by commercial vehicles. After the implementation of the comprehensive reform of auto insurance in 2020, insurance companies' auto insurance premiums have declined and loss ratios have risen, which has strengthened the requirements for business quality. For the sake of risk control, some insurance companies have increased the threshold for insurance of commercial vehicles, increased premiums, and even refused to insure them on the grounds that they cannot be purchased through system upgrades or that the company's related business quota is limited, resulting in many owners of high-risk commercial vehicles turning to vehicle safety coordination in desperation. They knew that this was a point of no return, but because of the pressure of premiums, they had to take risks. Master Li said: "The insurance company is big and has many customers, so it is not uncommon for us to offer online car-hailing, which means that we do not sell them. You can only buy compulsory traffic insurance, and the commercial insurance company will not sell it to you, so you have to be careful when driving. ”
An auto insurance salesman of an insurance company who did not want to be named also confirmed this restriction to reporters.
Reporter: "Do you usually have a situation similar to the situation that large trucks do not take orders and do not give insurance?" ”
Salesman: "We limit the tonnage, and the large trucks also depend on the nature of the operation." Your driving book should be written as operating a truck or a non-operating vehicle. ”
Reporter: "Which one is insured?" ”
Salesman: "Less than two tons, non-operational." ”
Reporter: "Is it true that the operation is not insured?" ”
Salesman: "The operation depends on the underwriting, and sometimes the underwriting is restricted." ”
Problematic companies are like "a hundred-legged insect dies but does not stiffen"
In the field of commercial vehicle insurance, insurance companies have set a certain insurance threshold, which limits the insurance options of drivers to a certain extent. In some places, car insurance is usually handled by cooperative insurance companies, which also leads to little room for drivers to negotiate when adjusting premiums. The driver, Master Zheng, said that he was very helpless: "Our insurance is managed by the taxi company. The company sent us a notice that the premium for the new car will be increased by 28% from January 1, 2023 starting from January 1, 2023. For example, the original premium is 10,000 yuan, and the next year is 12,800 yuan. We're definitely going to quit and buy other insurance companies. But other companies don't sell to us, saying they don't accept taxis. When I came back to buy insurance, I had to increase the price again. We couldn't help it, so we went to buy the co-ordination. ”
It is precisely because of the existence of such problems in the insurance market when serving specific groups that there is room for the savage growth of "high-imitation car insurance". Even some of the security co-ordination enterprises involved in disputes are still swaggering and deceiving after the "makeover", and the branches of some problematic enterprises located in many places across the country are still in operation, which can be described as "a hundred-legged worm, dead but not stiff". Master Li, an online car-hailing driver in Haikou, said: "The overall planning is unreasonable, and it is selling dog meat on the head of a sheep. Everyone puts the money together, and whoever is in danger will take the money out and pay it to whom. The money is managed by one person, and that person runs away with the money, so who do you look for? ”
Safety co-ordination risk reminders are constantly "reminded" but "lack of supervision"
As early as August 2022, the Insurance Association of China issued a risk warning, clearly pointing out that the safety co-ordination business is not an insurance business, and the relevant operators have not obtained an insurance business license and are not legally established insurance companies. If an accident occurs after purchase, the consumer will generally compensate in accordance with the contract, and once a dispute arises, it can only be resolved through litigation. Since then, the Guangdong Supervision Bureau of the State Administration of Financial Supervision has required relevant insurance institutions to strengthen management, prevent insurance agents and staff from participating in the overall planning of motor vehicle safety, and prevent the occurrence of similar business in violation of regulations. Recently, the Fujian Supervision Bureau of the State Administration of Financial Supervision and Administration also issued a reminder: "Our bureau has also noticed the problems related to the overall planning of motor vehicle safety, and our bureau has taken active measures within the scope of its responsibilities to guide the insurance industry associations and insurance companies under the jurisdiction of Xiamen to take a variety of ways to remind the majority of car owners of the risks of motor vehicle co-ordination." Here is also a reminder to the majority of car owners that motor vehicle safety co-ordination is not insurance, please pay attention to identification, in order to prevent risks. ”
Risk Reminder of the Insurance Association of China on the Safety Coordination of Motor Vehicles
Although the risk reminders are continuous, to a certain extent, it is conducive to improving the awareness of the majority of car owners, but consumers still encounter "kicking the ball" when they need to protect their rights, and they cannot find a department or agency responsible for handling complaints. The relationship between "heavy reminder" and "lack of supervision" has become "raise high and gently put down".
According to the latest data from the Ministry of Public Security, the number of motor vehicles in the country has reached 440 million. According to statistics from the State Administration of Financial Supervision and Administration, the number of motor vehicles insured by compulsory traffic insurance will reach 337 million in 2022. The difference between the total number of motor vehicles and the insured amount not only has a lack of insurance awareness, but also leaves room for the gray industry of vehicle safety co-ordination to dance wildly.
Since the emergence of vehicle safety co-ordination, due to the lack of effective supervision, illegal enterprises have taken advantage of loopholes, and have increasingly deviated from the original intention, which not only damages the legitimate rights and interests of consumers, but also poses a threat to the healthy development of the insurance industry. We call on the relevant departments to strengthen the top-level design and consolidate the foundation of market operation in terms of regulatory safety, risk management and control, service guarantee, etc., which is not only the salvation of an industry, but also the care for countless car owners, and the protection of a better life!
(Source: CCTV)
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