On the 30th, it was learned from the China Insurance Regulatory Commission that the commercial auto insurance reform pilot will launch the second batch of 12 province pilots on the basis of the pilot projects in the previous six provinces.

Since June 1 this year, various property insurance companies have fully launched the new version of commercial auto insurance clause rates in six pilot areas in Heilongjiang, Shandong, Guangxi, Chongqing, Shaanxi and Qingdao, which indicates that China's commercial auto insurance reform pilot has been fully implemented.

Since the first pilots were launched, the auto insurance consumers in the pilot areas have generally benefited, and the market is running steadily. The China Insurance Regulatory Commission has released data. Consumer premiums accounted for 77.6% of the policies that fell last year. Most low-risk consumers receive auto insurance premiums.

The pilots included 12 provinces including Tianjin, Inner Mongolia, Jilin, Anhui, Henan, Hubei, Hunan, Guangdong, Sichuan, Qinghai, Ningxia and Xinjiang. The China Insurance Regulatory Commission requires these places to improve the supporting system for commercial auto insurance reform as soon as possible, strengthen post-event supervision and ensure smooth and orderly reform of the pilot program.

A major core of the commercial auto insurance reform is to hand over the pricing power of insurance products to insurance companies, and hand over the product choices to the owners, so that the premiums can be truly connected with risks and protect consumers' interests to the utmost. After the commercial auto insurance reform, for low-risk customers with good driving records, the maximum discount rate can be less than 50%, and for high-risk customers, the maximum premium can be doubled.

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