‘Why did my car insurance premium increase even though I didn’t have an accident?’
The Financial Supervisory Service has been operating the’auto insurance premium discount/premium inquiry system’ site since the 14th to make it easier for the Financial Supervisory Service to know the cause of changes in auto insurance maturity and premiums.
The reporter directly accessed the page and checked the premium premium or premium.
After entering your name and resident registration number and going through mobile phone authentication, the search page first specifies the contract period with the insurance company, and then the accident history, legal violation history, discount premium level, driver’s age, subscription experience, age limitation, driver’s range limited special agreement It was timed in order. An official from the FSS explained that subscribers were most curious about the history of accidents and legal violations, so they were placed at the top. However, the reporter renewed the auto insurance on December 11, last year, but the renewed contract was not specified on the page, and it seems that this was not implemented in real time between the insurance company and the Financial Supervisory Service. Regarding this, an official from the Financial Supervisory Service said, “We have not implemented a system that shares data in real time. It takes time for the contents of the contract to be transferred to the database.”
The reporter’s discount and premium grade was estimated to be ’12Z’. Discount and premium grades are classified by insurance companies from stage 1 to stage 29 according to various factors. The higher the number, the higher the discount, the lower the number, the higher the premium. Normally, an ’11Z’ rating is given when a new insurance is signed up. It is known that each insurance company ranks it according to its own criteria.
You can also check the accident history of the insured. The reporter was able to confirm the history of the accident that the imported car parked in 2015 was collided at the rear, and the record that the victim at the time had repaired it at a cost of millions of won. Because of this career, the accident score increased and became a premium premium, but three years later, the premium score has disappeared. Insurance industry officials explained that once the premium is increased, the premium usually rises by 10% to 15%.
The insurance premium for reporters on the site was set at 650,000 won this year from 850,000 last year. However, this is close to 200,000 won difference from the actual insurance premium. The premium renewed this year was 850,000 won, similar to last year.
An official from the Financial Supervisory Service said, “We have built an automobile insurance-related system based on complaints that have been received so far, but we will make up for the insufficient parts in the future.” It is a 15% premium for sashimi, so be careful.” If you drive without a license, there is a 30% premium, and if you drive under the influence of alcohol, there is a 20% premium. In addition, if you violate traffic laws such as the duty to comply with the signal instructions, the right side of the center line, and the speed limit, you will receive a 10% premium.
If you access Insurance Damoa, a site provided by the Non-life Insurance Association, you can compare car insurance premiums by actual insurance companies. However, the service can only be used by subscribers of 3 years or more of auto insurance within 30 days of the auto insurance maturity date.
Reporter Dahun Yang [email protected]
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Source: 경제 by www.segye.com.
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