Xinhua News Agency, Beijing, January 24 (Reporter Zhang Qianqian) The reporter learned on the 24th that the China Insurance Industry Association guided property insurance companies to establish a high-payment risk sharing mechanism. The "Auto Insurance Good Insurance" platform built by the Shanghai Insurance Exchange will be officially launched on January 25 to solve the problem of high-payment risk insurance new energy vehicle insurance.
The State Administration for Financial Regulation and other four departments jointly issued the "Guiding Opinions on Deepening Reform and Strengthening Supervision and Promoting the High-Quality Development of New Energy Vehicle Insurance" on January 24 proposed to establish a high-payment risk sharing mechanism. The "Auto Insurance Good Insurance" platform will provide an online convenient insurance window for new energy vehicles with high compensation risks. Both individuals and legal persons can take out insurance, and insurance companies are not allowed to refuse insurance.
It is understood that the first batch of 10 large and medium-sized property insurance companies including Mandatory Property Insurance, Ping An Property Insurance, Pacific Property Insurance, and China Life Property Insurance will be connected to the platform, and the second batch of about 20 property insurance companies will be connected to the platform in February this year. According to the application of property insurance companies in the future, the number of property insurance companies that access the platform will continue to increase.
Relevant persons in charge of the Insurance Industry Association and the Shanghai Insurance Exchange introduced that in terms of the participation mechanism, it is necessary to ensure that customers choose insurance companies independently and independently choose to insure compulsory motor vehicle insurance and commercial auto insurance. The sales channels of insurance intermediaries and insurance companies are not open to.
For property insurance companies participating in the platform, it is required to attach great importance to consumer rights protection and ensure the quality and standards of customer service. The "glass door" shall not create obstacles and reject insurance in disguise; the claims standards and time limit shall not be lowered, and "restrained compensation and compensation" and "discriminate treatment of customers" shall not occur. The upper limit of the rate floating range is consistent with other sales channels, and the range of independent pricing coefficients for commercial auto insurance used is implemented in accordance with relevant regulatory regulations.
