Sluggish automobile market to homogenization telephone car insurance insurance enterprises ' s allies difficult accomplishments of obtaining the dominant position

Note: Auto annual sales in China Editor's Note: car insurance market in 2011, with the increment of automobile market in the callback, rivalries have become more intense. Whether insurance companies, also car insurance agents, on the expansion policy of automobile insurance market were quietly changed. Face of homogenized competition in products in the industry, and wasteful competition agency fee, insurance regulators also hope that, through industry downstream When the lead rope is raised, the fish net opens wide. results integration. In fact, faced with huge capacity, the China market in the future, dogfight beginning of motor insurance market. Recommended reading insurance weekly: variable amount annuity pilot started Beijing Shanghai five city first wins insurance enterprises violations promotions penalty 500,000 insurance ring "Wang yawei" emerge surface exaggerated income does not to risk silver insurance disputes constantly should first to family "pillar" Shang foot insurance regardless of from lost insurance is zehui Shi Qiming jointly immortal see disk build boutique lecture currently protection casualty, and Pacific (601,099, unit 's) casualty, and peace casualty this three large insurance company occupy has electric pin market most of market share. And Earth, and balance, a dozen home second-line casualty company also began into electric pin "examination examination you" following which species insurance belonging to car insurance category:-a spontaneous combustion insurance b is zoned trace insurance c glass insurance d seat insurance e above are is this year a quarter car market of growth slowing, also effect to has and of is closely related to of car insurance market, thus, for last year just began in car insurance business area comprehensive profit of insurance company,, and will had to faced one new of challenge. Auto market downturn drag on the car insurance data show that car sales in China up 8.1% in the first quarter of this year, well below the growth level of 32.4% last year. In April, automobile production and sales was negative growth for the first time since February 2009 27 months. China automobile industry association recently published data show that in April this year, completed 1.5353 million and 1.552 million domestic car production and sales, fell and 15.98%, up down and 1.85%, respectively. Display on access to information, protection, peace and Turbo 2011-April cumulative insurance premiums up growth, 10% and 16.7% respectively, month continues to improve, and more than 70% derived from automobile insurance in the insurance business. Industry experts say, listing company property insurance rates increase was mainly due to these leading companies have a good brand reputation, more say in the car insurance market. Although the 2011 national decline in new car sales, but protection, safe and large insurance companies such as Turbo's property insurance market share will be further enhanced. But many in the industry concerned, motor insurance business as a core business of property casualty companies, motor insurance industry as a whole business it will be possible this year under the influence of automobile market adjustment, especially small casualty company automobile insurance business will be dragged down the market. Telephone car insurance as the main battlefield is worth noting that, under the influence of overall auto market downturn, the insurance companies are responding to in improving motor insurance services, accelerate product innovation, expand sales channels, adjust the structure of sales efforts. Among them, phone insurance is to be the main direction of competition. From the current market situation, the current protection of property, casualty, ping an property that three of the Pacific insurance company occupied most of the market share of electricity sales market. Earth, balance a dozen second-line property casualty companies also began his career in sales, more than more than 30 other casualty companies are queuing for access to electricity distribution licence. "The current automobile insurance market through consumer environments from the original competition extended to competing services, telephone car insurance advantage while mainly reflected in the prices of services increased. "Chinese Electronic Commerce Center official acceptance of the international financial news reporters said in an interview, many casualty companies have turned to telephone sales, mainly electrical distribution channels valued good profitability and stable customer relationships. This makes it the current to telephone car insurance insurance companies explains the key factor in growth momentum in the market. It is understood that the current telephone car insurance is part of the insurance company's direct sales model, does not depend on agent channel. According to the protection of electronic commerce Center survey data, direct sales model of loyalty between 60% per cent. Homogeneous product development while insurance companies to develop automobile insurance market, but telephone car insurance problem of homogenization, has become the second-line insurance enterprises and the development of a bottleneck. Faced with this problem, the industry believes that telemarketers motor insurance only provides a new channel of purchase, its claim still rely on the service system of the insurance company as a whole. Electrical distribution channels of a single price advantage, difficult to support premium for long-term growth. In order to expand market share, future insurance company may relapse into "price war". Thus, the industry considers that, looking for their core strengths of the current swing in front of the property casualty companies a new proposition. Automobile market entered a period of adjustment, is the property casualty companies supply opportunity for improving the capacity and their product appealing. Effectively widening the channels, improving service to price factors to win a larger market share.