2024-09-27
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interface news reporter |
interface news editor | jiang yiman
as my country's auto insurance industry gradually begins to implement the "integration of insurance and banking services" and the penetration rate of new energy vehicles is gradually increasing, many internet insurance platforms are re-emphasizing and increasing their auto insurance business, launching their own insurance brands, and focusing on this business area. tuyere.
jiemian news reporters have noticed that since this year, platform companies with "internet genes" including tencent wesure, zhongan insurance, ant insurance, jd insurance, etc. are gradually seizing online channels from the monopoly of traditional car dealer channels. share has become an emerging force that cannot be ignored in the field of auto insurance.
faced with the advantages of offline car dealer channels being closer to car owners, internet platforms have launched "low prices", "price transparency", "multiple quotes, one-click price comparison", as well as the convenience and speed of online insurance, which are suitable for young groups. marketing methods.
on social platforms, there are also many consumers who turn to the internet platform to buy auto insurance after being unable to get satisfactory quotes from traditional auto insurance companies. one new energy car owner even posted a post lamenting, "you can save money by buying it from an auto insurance agent instead of the auto dealer channel." nearly 2,000 yuan" and received responses from many consumers who had similar insurance experiences.
jiemian news reporters noticed that among the above-mentioned internet insurance platforms, different companies have different innovation models in the auto insurance business, and each has its own emphasis on marketing channels, claims, and product pricing.
at the end of september this year, at a media communication meeting, a person in charge of zhongan insurance's auto insurance products publicly stated that zhongan was focusing on two aspects in the auto insurance field - "private domain" marketing channels and video claims.
the person in charge said that in terms of sales channels, first, zhongan launched the "zhongan auto insurance" brand this year instead of relying on cooperative shareholders as in the past, causing the market's unclear understanding of zhongan auto insurance; secondly, second, it attaches great importance to the operation of direct sales channels, that is, the company's "private customers", and has also recently launched new content such as car owner services.
in terms of claims settlement, zhongan auto insurance has once again streamlined the business process from the underwriting end to the claims settlement end this year. different from traditional insurance companies’ claims settlement method that mainly relies on telephone communication, zhongan auto insurance has chosen video claims settlement, allowing customers to make claims through 5g phones and sdk by accessing video and other methods, zhongan auto insurance’s customer service staff are all real people, not ai.
he said that zhongan is trying video reporting and claims settlement for car insurance, which allows customer service staff to more intuitively see the accident situation and complete intelligent video surveys without the need for customers to describe it verbally. in addition,real people communicate with warmth,it can also relieve customers’ tension and uneasiness when reporting a crime.
jiemian news reporters also noticed that although zhongan’s previous auto insurance business was operated under the brand of “zhongan ping an united auto insurance” and used ping an property & casualty’s offline claims network to provide services to customers, all business links were relatively dependent on shareholders. . in terms of business scale, for a long time, the scale of auto insurance business has been far less rapid than the growth of health insurance, digital life insurance and other types of insurance. however, this phenomenon has been gradually reversed in recent years.
zhongan insurance disclosed that from 2021 to 2023, the company’s auto insurance ecological revenue was 946 million yuan, 1.267 billion yuan, and 1.58 billion yuan respectively, with a growth rate exceeding the industry average. in the first half of 2024,zhongan auto ecosystem achieved insurance service revenue of rmb 863 million in the first half of the year, a year-on-year increase of 24.2%. among them, new energy auto insurance premiums increased by 214.8% year-on-year, contributing more than 10% to the company's total auto insurance premiums. as of the end of july, zhongan auto insurance’s video claims coverage rate had reached 50%.
as an insurance brand under ant group, ant insurance also disclosed the latest development of its auto insurance business this year, and used new energy vehicle pricing technology as a breakthrough to expand its auto insurance business.
the person in charge of ant insurance disclosed that as early as 2022, ant insurance began to develop its own privacy computing technology framework "language" based on it, and jointly developed "joint pricing" technology for auto insurance with insurance companies. this technology combines "vehicle factors" and "people factors" to help insurance companies accurately judge risks and then give reasonable quotes.
in may this year, zhang yiwen, the person in charge of ant new energy auto insurance, publicly stated in an interview that data after one year of trial operation showed that after applying the "joint pricing" technology, the insurance company's auto insurance quotes could be hundreds of yuan cheaper on average. this is mainly because new energy auto insurance pays more attention to the data of "people" instead of the static data of "cars" in the past, realizing the shift from "one car, one price" to "one person, one car, one price".
she revealed that ant insurance divides users into multiple risk levels for pricing, which means that 38% of users rated as low risk will enjoy lower prices, and 15% of users rated as high risk will also receive lower prices. it will rise accordingly, and the prices for most users in the middle will not change much. therefore, under such circumstances, the overall unit price does not fluctuate much.
in addition, jd insurance and tencent weinsurance have also increased their auto insurance business this year.
in may this year,jd insurance’s auto insurance platform not only launches a “price comparison” for auto insurance across the entire network, but also provides consumer installment services for auto insurance. specifically, in terms of price, jd auto insurance products show that all private car owners during the renewal period, as long as they are under the same user name with the same license plate, the same region, the same insured person, the same insurance plan, the same insurance amount, the same insurance company, etc. if you find that other internet platforms offer a lower price than the jd platform, you can apply for one of the 66 yuan red envelope balance or the 12-issue interest-free coupon.
as an insurance agency platform under tencent, in september this year, tencent weinsurance also launched the "tencent weinsurance auto insurance" brand, which focuses on one-click price comparison. currently, it has quoted quotes from 12 cooperating auto insurance companies.
internet platforms are increasing their auto insurance business, which may contribute to healthy competition in the auto insurance market. many companies have seen the opportunities and policy dividends of unifying insurance companies and banks, and have gradually improved pricing risk control models, consolidated business infrastructure, and joined the competition in the auto insurance market.
"integration of reporting and banking" means that the insurance terms and insurance rates filed by insurance companies with regulatory agencies should be consistent with those implemented by the insurance company in the actual operation process. the previous problem of "unity of reporting and banking" has been a problem in the auto insurance business. it is very common to use "false fees" in exchange for higher commission space. in the past, competition in the industry mainly relied on low-level competition with high-priced products, high handling rates, and high marketing expenses.
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