"Three lines in parallel" involved in auto insurance through a round of interviews to understand, in the involvement of auto insurance models, foreign property and casualty insurance companies are nothing more than "three lines simultaneously." First, the “second development†of existing enterprise customers, so that they become car insurance customers again; second, establish sales channels, online sales channels, and establish a direct sales model for auto insurance; third, cooperate with auto dealers to develop intermediary channels.
If only the existing enterprise customer resources are tapped, although the cost is easy to control, the scale is difficult to do. Therefore, if you want to operate auto insurance for a long time, you must constantly develop outlets. However, those familiar with the domestic insurance industry know that the development of the auto insurance business is highly dependent on the laying of the insurance company's own branches, which is difficult for the foreign-funded property insurance companies with less institutional outlets than Chinese ones to break through in the short term.
This is also why most foreign property and casualty insurance companies initially used direct sales channels as the entry point. However, the direct selling business has an unavoidable problem, that is, the customer's qualification requirements are lower, which makes it more difficult for insurance companies to control the risk of claims, and the back-end costs will increase accordingly. The ills of the intermediary channel is that the intermediate cost of the insurance company is relatively high. However, the foreign property and casualty insurance company intends to try a new model and engage in in-depth cooperation with the automobile dealer through the embedded repair and replacement of the car.
Obviously, if you want to combine both scale and profit, foreign-owned property and casualty companies will only walk on one leg and it will be difficult to achieve both. However, the considerable market size still makes foreign property and casualty insurance companies rush to the auto insurance market. The sales of new cars in China have increased rapidly in recent years. According to statistics, by 2020, the total number of cars in China will reach 240 million, and the size of the auto insurance market will reach about 1 trillion yuan.
The competitive advantage of foreign property insurance is huge, but the product homogeneity is serious and the underwriting profit is low. It has always been the two “pain points†of the domestic auto insurance market. In this context, the market-oriented reform of commercial auto insurance rates is imperative. From the current timetable, the auto insurance rate is likely to start next year. At that time, the auto insurance pricing model will add more “from the existing factors (such as model, age, number of seats, etc.)â€. Factors (such as the owner's age, gender, driving behavior, etc.).
The key to supporting the shift in auto insurance pricing models is that insurers must master big data. In this regard, the parent company of foreign property insurance in China has an absolute competitive advantage. Judging from the reporter's understanding, compared with the Chinese peers, the foreign-invested property insurance companies that are currently entering the Chinese auto insurance market are more innovative and humanized in terms of products and services. If a foreign-owned property insurance company can develop a “one-day auto insurance policy†with precise pricing, a foreign-owned property insurance company can subdivide the customer into more than 20 insurance levels according to the degree of risk.
Although there is not much coverage in China, the impact of foreign property and casualty insurance companies on the existing insurance market in China is limited in the short term. However, in the long run, from the perspective of the entire insurance market, the introduction of foreign advanced technology and management experience in the field of auto insurance will help promote the management level of China's auto insurance, and secondly, it can be shared with sufficient scale effect. Cost, thus promoting the sound development of the entire auto insurance market by competition.
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