Last month, led by the Ministry of Transport, the National Development and Reform Commission, the General Administration of Quality Supervision, Inspection and Quarantine, the China Insurance Regulatory Commission, the Ministry of Public Security and other 10 ministries and commissions issued the "Guiding Opinions on Promoting the Transformation and Upgrade of the Automobile Maintenance Industry to Improve Service Quality" (hereinafter referred to as "Opinions" ). The "Opinions" pointed out that since January 1, 2015, automobile manufacturers must disclose auto repair technical information to authorized maintenance companies and independent operators; auto parts must allow authorized enterprises to resell to unauthorized repair companies or end users. And through the coding system, establish a traceable parts quality assurance insurance system. Jig Bushings,Cnc Brass Machining Parts,Aviation Parts,Cnc Machining Screw With Solt JING SUNG Precision CO., , https://www.zjcncmachining.com
Subsequently, the China Automobile Maintenance Industry Association and the China Article Numbering Center issued a message saying that the "Consultation Draft for the Coding and Labeling of Auto Parts" has been completed and has been submitted to the relevant state departments for review and is expected to be introduced at the end of this year.
This means that the auto repair industry will face a full reshuffle, 4S stores are no longer the "only", qualified maintenance agencies will rise, the after-sales price of vehicles will return to a reasonable level. For the major property insurance companies whose auto insurance business failed to achieve profitability in 2013, the regulation of the auto repair industry chain will also be a revolution in the auto insurance industry. The industry believes that this will also become a paving slab for auto insurance rate reform.
Insurance companies pay for high-end accessories. At the beginning of this year, a car owner who bought a car with an imported SUV worth about 800,000 yuan told Mr. Chen that the price of a certain part of his vehicle in the 4S shop was nearly 50,000 yuan. And need to wait for a long time. However, in an auto repair shop in the North Fourth Ring, the original parts only cost half the price.
In the reporter's subsequent interview, the staff of the auto repair shop did not disclose the specific source of the parts. However, a car owner who owns the same car in the United States said that the repair price of this part in the United States is only 30% of the price of the domestic 4S shop. All of this has nothing to do with the monopoly of the domestic auto industry.
According to the "Automobile Zero Ratio" report jointly issued by China Automobile Maintenance Industry Association and China Insurance Association, the zero ratio factor of a certain vehicle is as high as 1200%, that is, if all the parts of the car are replaced again. , the money spent, you can buy 12 more identical cars. And this "price difference of 11 cars" was ultimately paid for by consumers and insurance companies.
Although this year, many auto manufacturers have actively lowered the price of spare parts for vehicles. However, the "initiative" of maintenance is still in the hands of 4S stores.
In the first half of this year, the insurance company announced the 2013 annual report, but the underwriting profit of the property insurance company was generally unsatisfactory. The auto insurance business basically suffered losses in addition to the listed insurance companies.
For the loss of the auto insurance industry, Xiang Junbo, chairman of the China Insurance Regulatory Commission, pointed out that “insurance companies with auto insurance channels of billions of yuan and billions of yuan of capital are easily kidnapped by 4S shops of several million yuan of capital, and they are secretly sent to the dark. Fees have become the biggest source of income for many 4S stores."
However, this pattern will soon be broken.
The insurance company will no longer be stationed in the "Opinions" pointed out that since next year, automobile manufacturers must disclose the technical information of vehicle maintenance, and the original parts of the automobile should allow authorized enterprises to resell to non-authorized maintenance enterprises or end users, and must implement and implement Technical standards for classification and coding rules for auto repair parts and circulation specifications for auto repair parts. In addition, we must encourage the industry to establish a quality assurance insurance system for traceable parts, develop third-party auto repair parts certification bodies, strengthen the quality and credibility of parts, and conduct evaluations with insurance and third-party organizations to establish a “blacklist†of enterprise service quality. system.
At the same time, China Automobile Maintenance Industry Association and China Articles Coding Center recently announced that the "Consultation Draft for Auto Parts and Coding and Labeling" has been completed and has been submitted to the relevant state departments for review and is expected to be introduced at the end of this year.
These two drafts of opinion all point to the reform of auto insurance rates that are "boiling".
The part coding and blacklist system, in order to achieve the transparent disclosure of vehicle maintenance, must break the monopoly of maintenance parts channels and give third-party qualified maintenance organizations the opportunity to develop. Therefore, insurance companies can conduct effective comparisons from them, guide consumers to buy cheap and good products, and get rid of the “kidnapping†of 4S stores.
When the after-sales price returns to a reasonable level, it has been plagued by consumers that “buy a car is easy, it is difficult to raise a carâ€, and consumers will have more choices for auto insurance products. Earlier, some surveys showed that when choosing auto insurance products, consumers are more likely to choose those “stay-in-place†insurance companies in order to make claims easier.
Because the insurance company that is stationed in the 4S shop of the car, once the car is out of danger, the insured person of the insurance company can check the damage in the shortest time, and use the three-party negotiation to determine the working hours and spare parts price standards, and jointly determine the repair cost on the spot. To ensure that damaged vehicles are repaired as quickly as possible.
In a group of Cheyous in Beijing, the reporter interviewed nearly 20 car owners randomly and asked them how to choose an insurance company when they purchased auto insurance. Basically, every car owner said that they would choose an insurance company with a relatively cheap price, but the scope of choice is basically limited to several insurance companies that will be stationed in 4S stores. The maintenance staff of a 4S shop also suggested that reporters must purchase the insurance company of “Lianbao†(ie resident) when buying a car insurance, otherwise it will be more troublesome when repairing.
However, this "concept" will also change in the future. According to industry insiders, in the future, if a professional third-party maintenance organization is introduced, because of the part coding and blacklist system, the maintenance price will be very transparent, so the insurance company can cooperate with the maintenance organization to effectively improve the speed of claims. Consumers can also choose the most suitable maintenance outlets.
In fact, the insurance companies in the store and non-residents are not “a world of difference†in terms of claims efficiency. According to the latest Beijing Auto Insurance claims report released by the Beijing Insurance Regulatory Bureau, as of the third quarter, 35 insurance companies The closing period of the Beijing branch was 19.2 days; the closing period of non-personal injury cases below 5,000 yuan was 16.8 days; the “closing rate†was 88.52%; the “commitment achievement rate†was 98.04%.
However, for insurance companies, the new car repair system will be a boon. But for 4S stores, you may need to look for new profit models.