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车险称得上是财险市场中的第一大险种,2001年,全国的车险保费收入占全部财险收入的63.9％,正如业内人士所言:“车险是财险市场上的必争之地”。从2003年1月1日起,人保、太保、平保和华泰-国内四家最大的财险公司的“全新的”车险费率和条款开始在市场上正式实施。各家保险公司的车险新品五花八门,但核心内容一致:根据不同客户的风险特征和实际承受能力确定不同费率,根据上一年理赔情况决定续保优惠额度。 新条款的实施使各财险公司有了实现产品特色化的机会,消费者可以根据自己的需求和判断选择最终在哪家保险公司投保、投保什么样的品种等,也使得车险市场竞争更为激烈。四家财险
Auto insurance is arguably the largest insurance in the property insurance market. In 2001, the auto insurance premium accounted for 63.9% of the total property insurance revenue. As the insiders put it, “Auto insurance is a must for property insurance market ”. From January 1, 2003 onwards, PICC, CPIC, Ping An and Huatai - the “new” auto insurance rates and terms of the four largest property and casualty companies in China began to be formally implemented in the market. Various insurance companies car insurance new variety, but the core content of the same: according to the different risk characteristics of customers and the actual affordability of different rates, according to the decision of the previous year claims the renewal of credit. The implementation of the new provisions of the property insurance companies have the opportunity to realize the characteristics of products, consumers can choose according to their own needs and judgments which ultimately insurance company insured, insured what kind of species, but also makes auto insurance market more competition fierce. Four property insurance