Shikebang丨Yongzhou online car-hailing drivers encounter difficulties in obtaining insurance, insurance companies say they cannot afford to pay
2024-08-10
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Red Net Time News August 9th(Reporter Xiao Juan, intern Xia Jie) "I often receive calls to renew my insurance, but as soon as I say it's an online ride-hailing vehicle, the insurance company says they can't provide insurance."
Recently, Mr. Luo, an online taxi driver in Yongzhou, revealed through Rednet People's Voice that he was refused insurance by China Taiping Insurance because he had been in an accident, and other insurance agencies also refused to sell insurance to online taxis, so he was faced with the dilemma of having no way to get insurance.
In this regard, a reporter from Rednet Shique News conducted an interview. With the intervention of Rednet, the relevant personnel of the insurance company said that they would resolve Mr. Luo's request as soon as possible and allow him to renew his car insurance and continue operations.
Yongzhou online car-hailing companies report: "You cannot renew your insurance if you are in danger"
Mr. Luo drove an online taxi in Yongzhou. He had previously purchased auto insurance from Dadi Insurance with a premium of more than 10,000 yuan. The auto insurance was due to expire at the end of August. He applied to the insurance company for renewal, but was unable to do so because he had been in an accident.
"Because I have been in an accident, I cannot renew the insurance. The compensation for two accidents is about 10,000 yuan, and I don't want to be in an accident." Mr. Luo said that the salesperson told him that currently renewal is only open for online ride-hailing vehicles that have not been in an accident, and there is a quota limit.
He decided to change insurance companies, but after asking several insurance companies, none of them could cover online ride-hailing services. Insurance companies "banned" online ride-hailing services, which made him very angry. Without insurance, online ride-hailing services could not operate, and he was worried that it would affect his future life.
For this reason, he recently reported to the local insurance industry, "and the association told me that many car owners have already reported it, and they will convene a meeting of local insurance agencies for consultation."
Is it difficult to get insurance for online ride-hailing services an isolated case or a common phenomenon?
"As far as I know, online ride-hailing companies that are larger than us and have been in operation for a longer time are also facing the problem of difficulty in renewing insurance. They are large in scale and cover a wider range of areas." Mr. Tang, the person in charge of the online ride-hailing company where Mr. Luo works, told reporters that the company only entered the local area in November last year, and most of the vehicles have not yet reached the renewal period, but the problem of drivers being unable to buy commercial insurance in companies in the same industry is also encountered. "Without insurance, the car dealership and the driver cannot operate, and the subsequent livelihood will become a problem. If there is a suspension of operation, who will bear the loss?"
He hopes that the issue of online car-hailing insurance renewal can be resolved as soon as possible.
The payout ratio is too high
Risks of online ride-hailing services keep insurance companies away
Why do insurance companies “turn away” online ride-hailing services?
A local staff member of Dadi Insurance told reporters that the main reason is that the online car-hailing service has a high claim rate and a high risk factor, so the renewal threshold for online car-hailing service has been raised. "We alone cannot afford it. We are basically the only one doing it now. The risk is too great."
"The compensation for online ride-hailing vehicles is close to 100%, and this business is basically losing money." Another relevant staff member of PICC revealed that in July, some well-informed online ride-hailing drivers found that they could not get insurance through other channels, so they came to our company to buy insurance; not only that, drivers from other nearby counties also came to the company to buy insurance, further aggravating the company's operating pressure.
Is it true, as Mr. Luo said, that it is difficult to renew the insurance once an accident occurs?
The staff admitted that they did screen customers. "In July, the proportion of online ride-hailing vehicles was too large, far exceeding our local market share, so we had to limit the total volume."
Since Mr. Luo's car insurance expired in August, he promised to solve Mr. Luo's problem as soon as possible so that he could continue to operate.
Supervision requires large insurance companies to take the lead
Promoting commercial vehicle insurance to ensure that all vehicles are covered
On the one hand, it is difficult for online ride-hailing drivers to obtain insurance, making operations unsustainable; on the other hand, insurance companies face high compensation pressure, making market operations unsustainable.
How to solve the problem of difficulty in obtaining insurance for online ride-hailing users?
The reporter learned that the local insurance industry association has convened a meeting of insurance companies to discuss solutions to the commercial insurance coverage issue for online ride-hailing vehicles.
On August 7, the Yongzhou Supervision Branch of the State Financial Supervision and Administration Administration responded to the issues raised by netizen Mr. Luo. According to relevant laws, regulations and regulatory requirements, insurance companies operating compulsory traffic insurance business shall not refuse or delay underwriting compulsory traffic insurance. Large property and casualty insurance companies should play a leading role, actively underwrite commercial insurance for operating vehicles, and promote the realization of full coverage of commercial insurance for operating vehicles.
The Yongzhou Supervision Branch of the State Financial Supervision and Administration Bureau said it will urge relevant insurance companies to follow up in a timely manner. "If it is found that insurance companies under its jurisdiction have violated relevant banking and insurance supervision laws, administrative regulations, departmental regulations and other normative documents, the branch will handle them in accordance with the law."
