为什么2021年车险比去年还贵（为什么2021年车险比2020年贵）

先答题主问：2020年9月19日起实施车险新规后，虽然此前官方解释，笑悄本次改革实施后，短期内可以实现“三个基本”，即“价格基本上只降不升，保障基本上只增不减，服务基本上只优不差”，但根据消费者实际反馈来看，车险改革后的保费确实有升有降。

After the introduction of the new Car Risk Code on 19 September 2020, although the official explanation that the implementation of the reform was laughter made it possible to achieve “three basics” in the short term, namely, “prices are essentially on the rise, guarantees are on the increase and services are on the increase”, the actual feedback from consumers suggests that the premium for the Car Risk Reform has indeed increased or decreased.

为什么有人升高有人降低？有以下三个原因：

Why does someone get up and down? There are three reasons:

1.改革后七大险纳入车损险

1. Seven major post-reform risks integrated into vehicle damage

本次车险改革，将“玻璃单独破摔”、“无法找到第三方特约”、“发动机涉穗橘水”等几项保险理赔中争议较大的险种纳入车损险责任，保费将有所增加。不过，这有利于针对理赔中易发生争议的部分，理顺责任关系，保障消费者权益，也减少相关的理赔纠纷。

This reform of the car’s insurance policy, which incorporates the more controversial types of insurance claims such as “glass break-up alone”, “no third-party deal” and “engine orange water” into the liability for vehicle damage, will increase the premium. This, however, will facilitate the settlement of the disputed portion of the claim, the rationalization of the liability relationship, the safeguarding of consumer rights, and the reduction of related claims disputes.

2.费率浮动系数发生变化

2. Changes in rate fluctuations

中国银保监会还发布了《关于调整交强险责任限额和费率浮动系数的公告》。《公告》明确了全国各地区的费率浮动系数方案由原来1类细分为5类，浮动猜升团比率中的上限保持不变（即，30%），下浮由原来最低的-30%扩大到-50%，内陆、欠发达地区地区的下浮比例要强于沿海、发达地区的下浮比率。

The China Silver Insurance Supervisory Board also issued a bulletin on the adjustment of liability limits and rate floating factors. The bulletin clarified that the tariff floating factor scheme in all regions of the country was broken down from the original 1 to 5 categories, and that the ceiling in the floating surrogate ratio remained unchanged (i.e., 30 per cent), rising from the lowest of -30 per cent to -50 per cent, while the lower of the inland and less developed regions was higher than the lower of the coastal and developed regions.

根据以上费率浮动系数方案可以知道，若车主三年不出险，改革后的保费最多可以优惠50%，比原来的30%多优惠了20%。本次改革后，无赔优待系数记录从一年变为三年。比如车主上年未出险，但是三年内出险过两次，也会影响后三年的保费优惠。

On the basis of the above-mentioned rate-floating coefficient formula, it is known that if the owner is not insured for three years, the reformed premium will be reduced by up to 50%, or 20% more than the original 30%. After this reform, the record of the non-reimbursement premium has been changed from one year to three years. For example, the owner has not been insured in the previous year, but twice in the next three years, it will also affect the premium margin for the next three years.

3.不同车型的车辆“零整比（零配件与整车的价格比）”不同

Different types of vehicles “zero integer” (the price of spare parts versus the whole vehicle)

奥迪、宝马、奔驰等高端车型的“零整比”相对较高，其维修费也相应较高。根据保费与风险更加匹配的改革原则，此类车型的商业车险涨价幅度特别明显，而事故率低、维修费用低的车型，基准纯风险保费相比以前有所下降。

The “zero ratio” of high-end vehicles, such as Audi, BMW, and Mercedes, is relatively high, and their maintenance costs are proportionately higher. In accordance with the principle of reform that provides a better match between premium and risk, commercial vehicle insurance increases of this type are particularly significant, while the baseline net risk premium is lower for low accident rates and low maintenance costs.

综合以上，改革后，整体保费下降，个体保费因人而异。

Taken together, the reform has led to a decrease in the overall premium, and individual premiums vary from one person to another.

商业保险险种的折扣减少了，所以其保费就上涨了。

The discounts for commercial insurance policies have been reduced, so their premiums have increased.

车险上涨的原因

Reasons for the increase in car risk

1、跟车辆价格有关：对于车险14万以上的车型，车险的保费是有所增长的，车主反映了保费根本就没便宜，反而是更贵了；而价格10万左右的车型优惠就更加明显了，连续三年没出险的话，全险的保费就只需要一两千。

1. Related to vehicle prices: the insurance premium has increased for cars with more than 140,000 types of insurance, the owner of which reflects that the premium is not cheap at all, but more expensive; the discount for cars with a price of about 100,000 is even more obvious, and the full insurance premium is only one or two thousand if the risk is not incurred for three years in a row.

2、跟所在地区有关：对于交强险的费率调整方案，不同的地区费率是不一样的，全国分了ABCDE这5种方案，A区交强险三年没出险，最高优惠50%，只需要475元；有的E区最高只能优惠30%，最便宜也要665元；

(b) Relevant to the region: for tariff adjustment schemes with high risk, the rates vary from one region to another, with the five schemes ABCDE distributed throughout the country, with Area A not in danger for three years, with a maximum of 50 per cent discount, and only $475; in some cases, the E zone has a maximum of 30 per cent discount and the cheapest of $665;

3、跟出险的次数有关：交强险和商业险发生理赔时，出险的次数会影响第二年的保费。

3. Linked to the number of exposures: in the event of settlement of claims for enhanced and commercial insurance, the number of exposures may affect the next year's premium.

4、车损险保额：改革后的车损险保费是占比最大的一个险种，有的公司车损险保额较高，有的较低，价格也芹唯有所不同。

4. Vehicle damage insurance: The cost of the reformed insurance coverage is the largest of the insurance coverage, with some companies having higher, lower and different prices.

5、折扣减少：2021年车险上涨的主要原因是商业险的险种折扣比往年少了，所以其保费就会上涨。

5. Reduction in discounts: The main reason for the increase in vehicle insurance in 2021 was that the commercial insurance premium was lower than in previous years, which led to an increase in premiums.

6、优惠力度减少：银保监会在此前出台的新政策要求保单数据要上传同步存档，上面管理严了，所以下头就只能降低优惠力度了。

6. Reduction in the level of benefits: the new policy introduced earlier by the Silver Insurance Board, which requires the uploading of insurance policy data in a synchronized manner, is highly regulated and can only be reduced at the following levels.

7、 包含项目增多：新的车险保障的范围更广，项目更多，所以保费会有所上涨。

7. Increased number of projects included: new vehicle insurance coverage was broader and projects were more extensive, resulting in an increase in premiums.

拓展资料：

Outreach materials:

计算公式为：车辆损失险保费＝（基础保费＋车辆购置价*费率）*优惠系数。在这个公式中，基础保费和费率是由中国保监会批准的，车辆购置价是根据实际车型确定的，优惠系数是各家保险公司根据车辆上毁首穗年度的理赔情况及保险公司车险承保政策自己制定的。现行的车损险有三种保险形式：一是按照新车购置价承保；二是按照车辆的实际价值承保；三是按照双方协商的价格承保。各大保险公司大都采用第一种形式，因纤卜为后两种形式与第一种形式最大的区别就是它们都是按比例赔付的，而第一种按新车购置价承保是全额赔付的。

The formula is calculated as: insurance premiums for vehicle loss = (base premium + vehicle acquisition rate *). In this formula, the base premium and rates are approved by the China Insurance Council. The purchase price of the vehicle is based on the actual vehicle type. The discount factor is determined by the insurance companies themselves on the basis of the compensation for the year in which the vehicle was destroyed and the insurance policy for the insurance company’s vehicle insurance policy. There are three forms of insurance for vehicle damage: first, insurance for the purchase price of the new vehicle; second, insurance for the actual value of the vehicle; and third, insurance for the price of the vehicle. Most insurance companies use the first form, the difference between the latter two forms for fibre-optics and the first is that they are paid on a pro rata basis, while the first is paid in full for the purchase price of the new vehicle.

车辆损失险几个注意事项：

There are several concerns about vehicle loss insurance:

1、保险金额不能超出车辆价值：例，10万的新车出了事故，要求赔付的保险金额不能超过10万。

1. The amount of insurance cannot exceed the value of the vehicle: for example, 100,000 new vehicles had an accident and the amount of insurance claimed could not exceed 100,000.

2、损失多少赔多少，而不是赔偿某个定额。车辆损失险基本上是私家车保险里费用最高的一项。车辆损失险只保车，不保人。

The vehicle loss insurance policy is essentially one of the highest costs in private car insurance.

很多有车一族都会给自己的汽车购买车险，这样在发生一些事故的时候就能够获得保险公司的赔偿。但今年很多车主也也发现车险的费用上涨了很多，这是为什么呢？

A lot of people with cars buy their own car insurance, so they can be compensated by insurance companies in the event of accidents. But this year, many owners have also found that the cost of insurance insurance has increased considerably.

一、和车价、地区有关

I. RELEVANT TO THE COST OF VEHICLES, REGIONS

其实车险的价格和汽车的价格是息息相关的，有很多车主反映他的汽车购买价格是14万以上，那么这种车型的保费是有所增长的。也有一些车主反映保险根本没有便宜反而更贵了，这是因为每辆汽车的车型不一样，所需要购买的保险的保费也是不一样的。现在10万左右的汽车价格优惠是更明显的，如果连续三年都没有出险，那么全险的保费携滚历只需要一两千。而车险的费用和地区有关系的，全国分为abcde5个区域，a区的交强险，三年不出险最高优惠5%，只需要475元，有的地区最高只能优惠30%，最便宜也需要665元。

In fact, the price of car insurance is highly relevant to the price of the car, and many owners indicate that the purchase price of his car is more than 140,000, so the premium for this type of car has increased. There are also drivers who indicate that insurance is not cheap at all, but more expensive, because each car has a different type of car, and the premium for insurance that needs to be purchased is different.

二、和汽车的出险次数有关

II. Related to the number of car adventures

有些人在开车的时候非常不仔细，总是会出一些交通事故，然后就要寻求保险公司赔偿。那么等第2年你在备键购买车险的时候，保险公司就会查你上一年汽车的出险记录，就会发现你在上一年有发生过很多次交通事故，那么你的车险的费用就会上涨很多。所以车险的费用多少和出险次数是息息相关的，如果你发生过多次理赔以及交通违章，都会让第2年的保费增加。

Some people drive very poorly, often in traffic accidents, and then seek compensation from insurance companies. Then, in the second year, when you buy a car insurance policy, the insurance company will check your car insurance record for the last year and find out that you have had many traffic accidents in the previous year, and the cost of your car insurance will be much higher. So the cost of the insurance will be tied to the number of risks, and if you make multiple payments and traffic violations, it will increase the cost of the insurance policy for the second year.

三、车险的项目变多

III. The number of vehicle-risk projects

其实还有一种原因是新的车险包含的项目更多，所以保费也会比去年略贵一点辩搜。我们也知道一分价钱一分货，如果保障的项目变多，那么相应的车险的保费也会增加。所以如果你不想交这么多的车险，可以和保险公司商量一下去除一些项目，那么保费就会降低。

There is also a reason why the new car insurance includes more items than last year, so the premium is a little more expensive than last year. We also know that if there are more guaranteed items, the corresponding insurance premium will increase. So if you don't want to pay so much insurance, you can negotiate with the insurance company to remove some of the items, and the premium will decrease.

原因主要是像商业险等险种的折扣比往年少了，所以保险费用就上升了。

The main reason for this is that insurance costs have risen, owing to lower discounts on insurance schemes, such as commercial insurance, than in previous years.

在基本不增加消费者保费支出的原则下，支持行业拓展商车险保障责任范围。引导行业将机动车示范产品的车损险主险条款在现有保险责任基础上，增加机动车全车盗抢、玻璃单独破碎、自燃、发扰哗动粗虚机涉水、不计免赔率、无法找到第三方特约等保险责任。

Under the principle of essentially no increase in consumer premiums, support is given to industry to expand the scope of liability for vehicle insurance insurance. The main insurance provisions that guide industry in the introduction of motor vehicle model products, build on existing insurance obligations by increasing liability for motor vehicle theft, stand-alone broken glass, self-burning, perturbing and incendiary risks, overcompensation rates, and the inability to find a third-party offer.

为消费者提供更加全面完善的车险保障服务。支持行业开发车轮单独损失险、医保外用药责任险等附加险产品。

Support the industry in the development of additional insurance products such as the single-wheel loss insurance and the liability insurance for medically insured medicines.

汽车保险注意事项

Car insurance attention.

如果已经买好汽车保险，接到保单的时候，认真检查一下，除了看上面的信息以外，还要注意辨别真伪，一般而言，保单都有防伪底纹，还有保监会监制相关的一些字样，而且还有销售地点的批注。

If a car insurance policy has been purchased and when a policy is received, a careful examination must be made, in addition to the information given above, to detect authenticity. Generally, the policy has a prostheses, along with a number of references related to the monitoring of the insurance commission, as well as a comment on the place of sale.

当接到保险单证时，一定要认真核对，看看单据第三联是否采用了白色无碳复写纸印刷并加印浅褐色防伪底纹，其左上角是否印中国保险监督管理委员会监制字样，右上角是否印有限在××省（市、自治区）销售的字样，如果没有可拒绝签单。

When an insurance document is received, it must be carefully checked to see whether the third link of the document is printed in white non-carbon paper and printed with light brown prostheses, whether the upper left corner of the document is printed by the Chinese Insurance Supervisory Board, whether the upper right corner is printed in a limited number of words sold in the province (municipality, autonomous region) and, if not, whether the signature can be refused.

以上内容参考? 百度百科-汽车保险缓凳行

100-degree encyclopedia-car insurance.

上述文章内容就是对为什么2021年车险比去年还贵和为什么2021年车险比2020年贵的介绍到此就结束了，希望能够帮助到大家；当然如果你还想了解更多这方面的信息，请多多关注我们哦！

The above article is about why the 2021 Car Risk is more expensive than last year and why the 2021 Car Risks are more expensive than 2020 is over and hopefully will help us all; of course, if you want to know more about it, pay more attention to us!

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