Car insurance worry car turned out

"The Chinese car owners daily safer driving behavior into benefits, the proceeds not only to offset auto insurance premiums, but also can be directly exchanged for free rescue, driving service, mobile electronics, women's skin care products and other gifts, your safe driving behavior change Real money. "Auto Insurance worry-free chairman and CEO Shuai said in an interview. On July 7, Car Insurance, the largest third-party auto insurance website in China, announced the launch of "Carbao", the first car safety smart box in China based on car networking and big data, which is open to all Chinese car owners for free booking.

Car networking hardware has drawn worldwide attention. As the next strong demand entrance after the newsletter, the car is not only a tool linking urban transport, but also an important vehicle for car-owners-life in the future. Shuai Yong analyzed the OBD pattern of car networking in the Chinese market at present:

One is based on the car safety testing, which means reading "safety faction" represented by car driving computer data. The OBD value of such car networking is very limited. The other is based on vehicle networking OBD as a carrier. Through participation of each vehicle owner, the future positioning of each vehicle owner in the "real-time traffic", such as Teng Xun car networking products Teng Xun Road Po. Shuai Yong think this kind of car networking OBD direction has some value.

"If Teng Xun Road Po positioning in the road to everyone's mode is based on the value of the road; then car Po is located in the driving behavior of everyone model is based on 'people' value. , The car networking based on the value of "people" is a business model that has been universally practiced and verified by developed countries. In the United States, Progressive receives more premium discounts through vehicle OBD data collection, model validation of vehicle owners' driving behavior and superior driving habits. In the UK, insure the box also collects OBD data from car networking for The owners of vehicles to provide data-driven services, in a very short period of time, get 450,000 British owners of the widely recognized.

Turning to the specific functions of the car treasure, Shuai Yong said: "For the owner, it is similar to a deposit without the remaining treasure, do not save the money still have benefits every day.With careful driving, the more safe driving the more benefits."

According to Shuai Yong revealed that the first edition of car treasure has three core functions:

1, car driving behavior assessment. According to the big data insurance model, 271 items of driving behavior analysis indicators were formulated by the North American registered actuarial teams with worry-free auto insurance to translate the "quantitative rating" of driving behaviors into daily visible benefits;

2, the proceeds can be offset directly to the premium. At present, auto insurance worries have been China's 33 insurance companies behind, the owners of driving behavior analysis records, recognized by these insurance companies, you can directly reduce premiums;

3, vehicle safety scanning. Vehicle treasure to "second" as a unit, including engine failure, car wire lines, car tire pressure, air quality in the car and up to 48 indicators at any time safety testing, the real security of the owners, rest assured travel. In addition, auto insurance car worry-free also includes OBD intelligent voice broadcast networked patented technology.

At present, the car network OBD market, using the charging mode, the car OBD will be sold to the owners to use. Shuai Yong said that Chevrolet will end OBD's OBJ toll collection mode as a car insurance worry-free products, as long as the owner make an appointment in advance, will be free to Chinese owners for free lifetime without any bundled consumption.

According to reports, auto insurance worries the introduction of car treasure, by the unprecedented attention of domestic and foreign capital markets. This is considered to be the real starting point for China's UBI auto insurance model. Auto Insurance will soon complete a new round of multi-billion-dollar financing since its founding. Relevant sources, the investment may refresh the market after the Chinese auto market a new record for Internet financing. (Source: Branch pole network http://www.keji.wang/ reproduced please specify)