Calculation standard of commercial auto insurance premium

New rules for commercial auto insurance premium calculation:

Formula: According to the floating scheme, the floating coefficient of the final commercial insurance rate of the insured vehicle is calculated by multiplying the coefficients:

The floating coefficient of the final rate of a single vehicle = the compensation record coefficient A (the highest value is 3)× the risk coefficient B× the vehicle type coefficient C× 1+ the traffic violation record coefficient D (the highest value is 50%), and the final commercial insurance premium of the insured vehicle = the standard commercial auto insurance premium × the floating coefficient of the final rate (see the relevant announcement in version A II.7 of this newspaper for details).

Take a five-seat family car as an example. Its car is five years old, with car damage insurance of 654.38+10,000 yuan and commercial insurance of 654.38+10,000 yuan. Its standard premium is 3007 yuan.

After the implementation of the "floating scheme", if there is no compensation in the previous year, the "compensation record coefficient" is 0.6; At the same time, two types of insurance, such as commercial third party insurance, are insured, and the "risk coefficient" is 0.95; This car is not old, rare, unique, with long purchase cycle or high maintenance cost, and its "model coefficient" is1.0; There are no seven illegal situations listed in the traffic violation record coefficient, and the traffic violation record coefficient is 0.

Based on the above factors, the floating coefficient of the final rate is 0.57 (0.6× 0.95×1.0×1.0), and the premium payable is1713.99 (0.57× 3007), which is less than the standard premium/kl. If the car does not have the situation listed in the "Traffic Violation Record Coefficient" and has no compensation for three consecutive years, the premium will be reduced to 1428.33 yuan, which is 1578.67 yuan less than the basic premium.

If the car doesn't pay compensation for one year, but it has a record of three red light violations, the "traffic violation coefficient" will become 10%, and finally the floating coefficient will become 0.627 (0.6× 0.95×1.0×1), and the premium will be paid 1885. If there have been violations of drunk driving, the "traffic violation coefficient" will become 30%, and the final rate fluctuation coefficient will be 0.741(0.6× 0.95×1.0×1.3), and the premium should be paid 2228.438+09 yuan.

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