Commercial vehicle fee reform and then promote the channel spread gradually narrowed

Car insurance market reorganization, second-rate reform and other policies are quietly changing the auto insurance market.

Recently, "Daily Economic News" reporter interviewed car owners and insurance companies with different channels of car insurance sales prices as an entry point to understand the insurance insurance costs of different channels. Different from the online reports of previous years, owners have different opinions on the prices of online sales and 4S stores, and the difference in insured prices between different channels is also getting smaller and smaller.

"Individually speaking, I think that the prices of electric and online sales are cheaper. They can give bigger discounts, and sometimes they can give fuel cards or cash back." A certain owner in the Henan area told the "Daily Economic News" The reporter said that he bought a car for three years, in addition to the first year of insurance in the 4s shop, the latter two years through the electric and online marketing channels to purchase insurance.

Relevant person in charge of an insurance company branch said that auto insurance insurance premiums are now closer to different channels, but the cost of channel configuration is mainly to consider the quality of customers, will dilute the concept of some channels.

4S shop insured additional package service

“My car only had one year of insurance in the 4S store in the first year and it was purchased over the phone for the next few years. Because our car is not always in danger, the insurance policy for the fifth year is only around 3,000. The discount is 6.5 fold.” Another owner, Ms. Chen, is no longer buying car insurance in the 4S store. However, from the perspective of her own insurance prices over the years, the telephone channel is cheaper than the 4S shop.

The reporter took the new car of a certain model of the Great Wall brand as an example, consulted the auto insurance price through the auto insurance channel recommended by the consumer, the salesman directly reduced the insurance insurance discount of the auto insurance to 6.5 percent, and at the same time presented the cashback discount, all prices were added up. Only about a thousand dollars. "The electric sales channel is better than the price of the 4S shop, and the 4S shop usually has only ordinary discounts." The salesman told the Daily Economic News reporter.

Similar to online sales and electric sales, they all have advantages in terms of price. This situation is reflected in the Internet platform is also quite a lot, some netizens believe that the power network sales to save the intermediate agency, itself is 15% cheaper than the traditional channels, it is like a producer → distributor → dealer → consumer Like the market model, there are only producers and consumers left, and the price is cheap.

However, 4S stores are not without advantages. As offline sales channels, 4S stores often focus on services. “Insurance at the 4S shop is mainly a fancy service. Annual inspections, maintenance, etc. can all make the 4S shop work. It saves a lot of trouble.” Mr. Lee, a car owner, said he does not usually have much time to take care of the vehicle and insure the 4S shop. Their services can save themselves a lot of time.

In this case, people in the industry believe that they should be treated separately. “The reason why consumers feel that there is price difference is because 4S shops usually give extra services, car washing, maintenance, etc., and thoughtful service can also reduce some of the consumer's trouble, so the discount will be less, and these will usually Calculated by consumers into the policy."

An insider of a insurance company told the Daily Economic News reporter that the distribution costs of insurance companies in different channels are different. Under normal circumstances, the insurance company’s layout costs in the 4s store are high, and the requirements for manpower are also high. In contrast, the KPIs (key performance indicators) burdened by electric sales personnel are relatively low.

Different channels have gradually integrated prices

So, how do consumers choose the price and service?

The industry believes that dealing with electric insurance is relatively risky, and owners must handle it in person after accidents need to be settled. If they do not understand, they can only seek help by calling an insurance company's customer service phone if they are not properly handled. , easy to claim disputes. And choose to renewal in 4S shop, after the risk from the damage to the repair can enjoy one-stop quality service, eliminating the pain of consumers back and forth, according to investment insurance species, but also enjoy the corresponding free project gift (such as each Kinds of maintenance, rescue, quality, vouchers, etc.).

“Consumers should look at each other separately, compare prices, choose their own purchase channels and types of insurance, so that they can better avoid risks, and they can also reduce their own expenses after they go out.” The insider of the insurance company stated to reporters.

It is worth noting that with the gradual advancement of commercial vehicle fare reform and the intensification of auto insurance competition, the insured prices of auto insurance in different channels have gradually become integrated.

“In terms of prices, the differences between companies are not too big, including the price of online sales and sales staff, or the price of agency channels has been basically the same. (There will be no more cases where online sales prices are lower than offline channels.) "Industry sources have stated that the price advantage of online marketing and marketing is no longer available, and traditional agency channels have the disadvantage of poor customer experience or opaque information. In fact, this is still a pain point that has not been thoroughly resolved in the industry. “This fee reform has actually provided a good opportunity for the transformation of some traditional offline insurance agency channels. The disadvantages of agency channels and grid sales in terms of price are being filled in. Follow-up is competition services, including value-added services, and even whether it can Provide financial services such as installment payment by installments."

Relevant person in charge of an insurance company branch said that auto insurance insurance premiums are now closer to different channels, but the cost of channel allocation is mainly to consider the quality of customers, will dilute the concept of some channels.

“On the whole, auto insurance and even the Internetization of the insurance industry is a trend. To establish a platform to provide value-added services to car owners and effectively resolve the pain points in the auto insurance industry, many companies are looking for this opportunity.” Insiders believe that The proportion of online sales of insurance companies will be severely reduced. Traditional agency channels will re-emphasize the auto insurance business and use Internet tools to innovate and improve. Some of the best-selling internet auto insurance platforms will rise, and may become the main driver of auto insurance sales. military.