foreword
The data range of compulsory traffic insurance for smart driving cars is the data of traffic insurance in Shanxi, Hebei, Tianjin, Heilongjiang, Jilin and Liaoning. The average accident rate is 12.1%, which is 0.9 percentage points lower than that of non-intelligent driving cars, and the average case compensation is 2413 yuan, which is 0.9 percentage points lower than that of non-intelligent driving cars.
Author | Leather Book
Source | leather book theory
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Recently, the Blue Book of Automobile and Insurance: Big Data Development Report of China Automobile and Insurance (2018) was released. According to the Blue Book, as of December 2017, a total of 68 insurance companies and 954 provincial insurance branches across the country had access to the auto insurance platform to carry out business, underwriting motor vehicle insurance premiums reached 793.1 billion yuan, up 12.3% year-on-year, and the growth rate was 2.9 percentage points lower than that of the previous year.
1. "Networking" has gradually become the main consumer after 90 years.
China’s next-generation car buyers are the "networked" generation born in 1990s, and they gradually become the main force of automobile consumption. At present, the population of the generation born in 1990s has reached 174 million, accounting for 13% of the total population. The trend of younger consumer groups in third-tier and fourth-tier cities is obvious, and it is estimated that the proportion of new car owners will reach 20% after 1990s in 2017.
Although the car owners on campus account for a small proportion in the overall automobile market, as the people with the greatest consumption potential at present, more and more college students have begun to consider the problem of car purchase, which is on the rise year by year. According to the report and survey, college students represented by the post-90s generation are becoming a new force in social consumption. 65% of college students said that they have a clear car purchase plan, and less than 40% have no car purchase plan. Among the college students who have a car purchase plan, boys are more willing to buy a car, accounting for 70%, while girls only account for 30%.
At the same time, the post-90 s, who grew rapidly in the information age, were maverick and flamboyant. In the scene of car use, in addition to the common reasons such as convenient travel and commuting, their use of cars for social interaction is also very prominent. For them, the car is not an element to improve the quality of life, but a medium to connect and socialize with his circle.
In terms of car purchase considerations, the appearance and interior are the most concerned after 90. The post-90s generation don’t think that foreign brands must be better than their own brands. In their minds, these are secondary. They only care about whether the concept declared by the brand conforms to their own personality and whether they show their own characteristics in the circle. The post-90s generation pays more attention to the sense of automobile fashion and personalization, and demands a sense of science and technology for the interior. In order to cater to the consumption habits of the post-90s generation, car companies should further improve the appearance and interior design of the new generation models, with more emphasis on dynamics, individuality and sensibility.
As people born and raised with the internet, it is very important for them to get information in real time, whether it is people, people and machines, machines and machines. They prefer smart internet technology and think that the synchronization function between mobile phone and car is "very attractive".
Compared with the consumer groups in other eras, the post-90 s consumption concept is advanced, and they dare to overdraw their future consumption in advance; The widespread popularity of car loans also makes the post-90s generation pay much more attention to car loans than the post-90s generation, and the price sensitivity is lower than that of the post-90s generation. As a generation growing up with the Internet, the consumption concept of the post-90s generation is quite different from that of other consumer groups. Car companies need to re-examine brand positioning, update vehicle design and change marketing strategies to meet the needs of the new main players in the market.
2. The level of domestic automobile intelligence has been gradually improved.
From the historical annual changesThe intelligent level of automobiles in China has been gradually improved. Before 2010, the proportion of smart driving cars was almost zero. From 2011 to 2013, the development of smart driving cars started. In recent years, the proportion of smart driving cars increased significantly. In 2018, the proportion of L1-level smart driving cars was 4.7%, and that of L2-level smart driving cars was 4.2%, which developed rapidly, including L2-level smart driving in 2016 and 2017.
From the geographical distribution of intelligent driving carsThe level of automobile intelligence in coastal areas is relatively high. The data shows that the proportion of smart driving cars in 20 provinces and cities in China exceeds 6.0%, and the data range is national vehicles. Among them, the proportion of smart driving cars in Shanghai, Shenzhen and Tianjin ranks among the top three in China, all above 10.0%. Other cities with smart driving cars accounting for more than 8.0% are Xiamen, Dalian and Ningbo, while the proportion of smart driving cars in Henan and Hebei is the lowest, all below 5.0%.
Judging from the price of smart driving carsWith the improvement of intelligence level, the purchase price of new cars has moved up obviously, and middle and high-end cars occupy the mainstream. The data shows that the average purchase price of new cars for vehicles with intelligence levels L1 and L2 ranges from vehicles in Shanxi, Hebei, Tianjin, Heilongjiang, Jilin and Liaoning. They are 279,000 and 350,000 respectively, which are 2.3 times and 2.8 times of the models with intelligence level L0 respectively.
Distinguish vehicles according to whether they are smart cars or not.It can be found that the risk difference between intelligent driving cars and non-intelligent driving cars is significant.The data range of compulsory traffic insurance for smart driving cars is the data of traffic insurance in Shanxi, Hebei, Tianjin, Heilongjiang, Jilin and Liaoning. The average accident rate is 12.1%, which is 0.9 percentage points lower than that of non-intelligent driving cars, and the average case compensation is 2413 yuan, which is 0.9 percentage points lower than that of non-intelligent driving cars.It can be seen that the application of intelligent driving technology significantly reduces the occurrence of traffic accidents, because most intelligent driving cars not only have a single control system, but also are usually equipped with corresponding early warning devices. For example, most intelligent driving cars are equipped with auxiliary parking devices, and the combined action of these systems has a positive impact on increasing road safety.
3. There is a big difference between the death compensation expenses and the average coverage of the three liability insurance in all parts of the country.
The risk of death liability in traffic accidents in various regions is mainly reflected in the standard of death compensation fees in various regions, which is closely related to the local economic development. The gap between the average insurance coverage of motor vehicle three liability insurance and the local standard of death compensation costs shows the actual level of protection in the region in reverse. Under the condition that the death compensation limit of compulsory insurance is fixed, the average coverage of three liability insurance is the main factor that affects the actual protection level.
The standard of death compensation fees varies greatly across the country. Among them, there are 11 provinces and cities with compensation fees exceeding 1 million yuan; There are 7 provinces and cities with 800,000 ~ 1 million yuan, and 18 provinces and cities with less than 800,000 yuan. The highest standard (Shanghai, about 1.58 million yuan) is about 2.2 times of the lowest standard (Heilongjiang, about 710,000 yuan), with a difference of about 870,000 yuan.
There are the following characteristics between the average coverage of three liability insurance in various places and the local death compensation fee standard:
First, the degree of risk exposure varies greatly across the country.The gap between the average coverage of the national three liability insurance and the standard of death compensation expenses is 147,000 yuan, which is 27,000 yuan less than that of the previous year. The gap in various regions is 22,000 yuan (Fujian) to 885,000 yuan (Beijing).
Second, the security gap in the economically developed areas in the east is greater than that in the economically underdeveloped areas in the central and western regions.Most of the 10 provinces with the largest security gap are economically developed areas in the east, and 5 of the 10 provinces with the smallest security gap are economically underdeveloped areas in the central and western regions. This is mainly because the standard of death compensation in economically developed areas far exceeds that in economically underdeveloped areas, and the average coverage of three liability insurance is relatively small between regions.
The Blue Book calls on relevant units and car owners to further raise their risk awareness, actively use insurance tools for liability risk management, and ensure that traffic accident victims get adequate compensation for losses. Especially in areas with higher economic level, the death compensation standard is higher, and the coverage gap is often larger, such as Beijing, Shanghai, Ningbo, Shenzhen, Tianjin, Qingdao, Zhejiang, Dalian and other places, where the coverage gap is more than 300,000 yuan. Consumers should pay more attention and reasonably choose the insurance coverage.
4. China’s auto insurance market has developed steadily, with both premium scale and insurance coverage rate increasing.
In 2017, China’s auto insurance market developed steadily. As of December 2017, a total of 68 insurance companies and 954 provincial-level insurance branches in China had access to the auto insurance platform to carry out business, underwriting motor vehicle insurance premiums reached 793.1 billion yuan, up 12.3% year-on-year, and the growth rate decreased by 2.9 percentage points over the previous year.
Aspects of premium scaleIn 2017, 169 million motor vehicle commercial insurance policies were underwritten nationwide, up 16.9% year-on-year, and the scale of commercial auto insurance premiums reached 599.15 billion yuan, up 12.3% year-on-year.
From the perspective of regional distribution, the scale of commercial insurance premiums in eastern and southern regions is larger than that in western and northern regions, and the scale of commercial insurance premiums in provinces with large population is often higher. Among them, the policy premiums of Jiangsu, Guangdong and Zhejiang provinces are all above 40 billion yuan; Insurance premiums in Qinghai, Ningxia, Tibet, Dalian, Hainan and other regions are below 5 billion yuan.
Judging from the changes in the scale of premiums, there were 11 regions with premiums of 20 billion yuan or more in 2017, two more than in 2016 (Shanghai and Hubei); There are 22 regions with premiums of 10 billion yuan or more, two more than in 2016 (Guizhou and Guangxi).
In terms of growth rate, Henan has the fastest growth rate, with a year-on-year increase of 23.1%; Dalian has the slowest growth rate, with a year-on-year increase of 2.4%.
In terms of insurance coverage rateIn 2017, the national commercial insurance coverage rate Commercial insurance coverage rate = number of commercial insurance policies/number of compulsory insurance policies. 81.8%, an increase of 2.4 percentage points over the previous year.
The regional characteristics of commercial insurance coverage are obvious, and the overall commercial insurance coverage rate in southern China is higher than that in northern China. The commercial insurance coverage rates in Zhejiang, Ningbo, Xiamen and Chongqing are higher, all above 95%, while those in Henan, Shanxi, Shaanxi and most parts of Northeast and Northwest China are lower, all below 70%. Among them, Tibet’s commercial insurance coverage rate is the lowest, only 41.2%; Ningbo has the highest commercial insurance coverage rate of 97.7%, which is about 2.4 times that of Tibet.
Judging from the change range of commercial insurance coverage rate, Henan has the largest growth rate, increasing by 6.7 percentage points year-on-year; The insurance coverage rate in Shanghai experienced a negative growth, down 1.9 percentage points year-on-year.
This article is reproduced from the book, saying that the views of the article do not represent the position of AC cars.
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