Following the anti-monopoly penalties imposed by Zhejiang insurance companies in the auto insurance market, a complaint against the suspected industry monopoly in the new car insurance market in Wuhan has also come to an end.
On September 11, the reporter learned from Hubei Automobile Dealer Industry Organization--Hubei Automobile Distribution Association that a complaint report on the market monopoly of the new car insurance market in Wuhan has been submitted to the National Development and Reform Commission through the China Automobile Dealers Association. .
According to the complaint report, since 2003, the Wuhan insurance industry has established a “new car insurance center†and a “new car insurance supermarket†in various forms, the purchase channels of new car insurance business in Wuhan, the quota allocation of insurance companies, and the lowest discount. There are different forms of market monopolies in areas such as restrictions.
According to the Economic Observer Network, in order to avoid vicious price competition in the new car insurance market, since 2003, the Wuhan insurance industry has implemented centralized management of the sales of new car insurance by designating specific sales venues. New car co-insurance mode.
Under the "new car co-insurance" mode, the insured can not purchase new car insurance through the insurance company's business hall, telephone insurance and other channels. Not only that, but within the “New Car Co-insurance Centerâ€, quotas are also imposed on the new car insurance business. "The allocation of quotas is, in principle, divided according to the share of the auto insurance market." Insiders of a small insurance company in Hubei revealed to the Economic Observer Online: "This quota allocation is implicit and non-public. When an insurance company After the sale reaches the quota, its performance is unable to issue a policy."
Li Tao, a lawyer at Hubei Weili Law Firm, said in an interview with Economic Observer Online that limiting the nature of new car insurance purchase channels is a restrictive consumption; and “quota allocation†is a “separate market†behavior. "These two acts are suspected of violating the 'non-price monopoly' in the Anti-Monopoly Law." Li Tao said.
In addition, according to the reporter, under the "new car co-insurance" mode, Wuhan new car insurance has a minimum discount limit on premium prices. “In the new car insurance market in Wuhan, the minimum discount for premiums is generally not less than 8.5 fold. This is considered to be a high level in the national new car premium price.†The above-mentioned insurance company in Hubei said bluntly that the existence of the “new car co-insurance†model is Avoid price wars in the industry.
However, in the view of Li Tao, a lawyer at Hubei Weili Law Firm, the definition of the minimum discount for new car premiums is essentially a price monopolistic behavior.
Another reality associated with this is that a large number of policyholders prefer to choose an existing insurance company for convenience when choosing to renew their insurance. One result of the new car co-insurance model is that artificially restricting the free competition of the market and strengthening the market position of the superior insurance company.†An insurance company in Hubei said bluntly.
It is reported that in the auto insurance market in Wuhan, PICC, Ping An and Pacific [0.57% of the fund research report] accounted for about 80% of the market share, and it has higher insurance premiums for insurance applicants and car dealers. Strong bargaining power.
The latest news obtained by the reporter shows that the National Development and Reform Commission has forwarded the report on the alleged monopoly of the Wuhan new car insurance market to the Hubei Provincial Price Bureau. "In late August, the Hubei Provincial Price Bureau has specially come to our association to investigate and understand the relevant situation." Yang Kewu, secretary general of the Hubei Automobile Distribution Association, revealed.
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