In April this year, the China Insurance Association and the China Automobile Association jointly issued a “zero-to-zero ratio†report, revealing the current situation of highly profitable auto maintenance and high monopoly in the aftermarket. The upcoming market-oriented reform of auto insurance rates will definitely change the pricing method of auto insurance. The unified auto insurance data standard will not only help break the monopoly of spare parts prices, but also make auto insurance damage easier.
The standardization of auto insurance data is not a day's work, but it does not hinder local endeavors. The "Daily Economic News" reporter was informed that the Hebei Insurance Industry Association is carrying out a review of the maintenance price of auto repair enterprises. The plan is to adopt the “exhaustion method†to collect the repair price information of all the accidental vehicle wearing parts of Chenzhou City in 2013, and publish the name of the automobile maintenance enterprise in ascending order (or descending order) for the average maintenance price of similar models.
Hebei carries out maintenance price evaluation pilot. The market price of a rear bumper of an imported car is about 2,000 yuan, but the price in the 4S shop is nearly 5,000 yuan.
The maintenance price of auto repair enterprises is closely related to the auto insurance consumer rights and the management of property insurance companies. At present, China's auto repair market has problems such as poor market structure, insufficient competition, opaque market consumption, and dishonesty, which have led to various disputes in the process of auto repair.
After the China Insurance Association and the China Automobile Association jointly issued the “Zero Ratio†report, there is still a local exploration for the standardization of vehicle maintenance price data. It is reported that Hebei Insurance Industry Association preferred Zhangzhou as a pilot area to understand the maintenance price level of second-class and above automobile maintenance enterprises (including 4S shops), and provide data reference for insurance consumers and insurance companies to select cooperative automobile maintenance enterprises.
In the view of the car insurance worry-free CEO Shuaiyong, the auto insurance fee has put forward higher demand for the industry data. At present, it is in the exploration period for the whole industry. The pilot project of local automobile maintenance price evaluation carried out in Hebei is valuable.
"Daily Economic News" reporter saw in the official website of Hebei Insurance Industry Association, the "industry auto insurance information sharing" module set up the "automobile maintenance enterprise maintenance evaluation" sub-module to collect the repair price information of all accidental vehicle wearing parts in Cangzhou City in 2013. The data is strictly reviewed and standardized. Through the vehicle brand, brand car, and the name of the accessory, a network database is established to provide the audience with the conditions for multi-dimensional reading and maintenance of the repair price of the enterprise.
In this evaluation work, more than 16,000 pieces of vehicle maintenance information were collected in Zhangzhou City in 2013, and the data fields were more than 400,000. Shuai Yong said, "The more information contained in the database, the greater the value of the evaluation work."
Due to regional differences in the price of auto parts, the head of the auto insurance claims department of a large insurance company believes that it is meaningful for Hebei to conduct local pilot projects. He explained that the price of parts and components is affected by factors such as logistics. For example, the prices of Audi parts in remote areas are generally higher than those in Changchun. In addition, the price of auto parts is also subject to the competitive influence of consumer groups. For example, the price of imported vehicles in Guangzhou is lower than that of northern cities with weak bargaining power. In addition, the price of auto parts distribution centers is more reasonable, such as suppliers and The East China region where producers are concentrated.
Standardization attempts to break the price monopoly The above-mentioned insurance company told the "Daily Economic News" reporter that the insurance industry car damage mainly includes: spare parts prices, working hours and management costs. Domestic auto parts come from auto brand dealers and auto suppliers. The monopoly leads to the price level of spare parts provided by 4S stores higher than direct sales. At present, there is no standardized industry standard in China, but the unification of automobile maintenance prices is an inevitable trend, which is conducive to the healthy development of the industry.
The pilot program adopts the “exhaustion method†to collect the repair price information of all accidental vehicle wearing parts in Zhangzhou City in 2013. The vehicles are divided into five types of passenger cars, five or more passenger cars, and three types of passenger cars. The names of the top 10 consumables of various types of vehicles are determined, for example, the front bumper and the headlight assembly of the passenger car of 5 and below. Leaf board, etc.; 5 or more passenger car front windshield, rear cover, instrument panel assembly, etc.; cargo truck girders, cab assembly, water tank, intercooler, etc.
In the opinion of the above-mentioned insurance companies, the division of consumables by the regional scheme is still relatively coarse. “There are tens of thousands of spare parts in the car.†But he also said, “The pilot in Hebei’s Yinzhou area consists of three categories of 10 consumables, which have been more refined than the previous pricing of general auto insurance according to the purchase price. In his view, the China Insurance Industry Association recently released the price of 50 parts and components. It can also be seen that the classification trend of future parts and components is coarse and fine.
Data standardization makes car insurance damage more simple, and also avoids various disputes in the car repair process. However, in the eyes of the industry, there is still a long way to go to form an industry-wide maintenance company maintenance price database.
For example, "small illness overhaul" and "replacement repair" are the unspoken rules that are common in 4S shops. The above-mentioned people said that it is not an easy task to judge which spare parts can be repaired for each new car and which parts can only be replaced. Based on the experience of mature foreign markets, it is necessary to have a new car of each model to pass the crash test bench. The cost is very high, and the technical requirements are also professional. But the person said, "The standardization of paint is relatively easy, and we are doing it now."
In addition, because the price of auto parts is fluctuating, the database needs to be maintained after a period of time. The above-mentioned person said, “As the parties continue to explore the standardization of auto insurance data, they will promote the formation of a standardized price system in the future industry.â€
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