On April 27th, China Insurance Industry Association released the first “Automobile Consumers' Common Parts Burden Index†and announced the third batch of automobile zero ratio. The automobile common parts burden index shows that the burden index of the super-four percent automobile common parts is higher than the average value, and the cost of replacing the common accessories for consumers is large, with a maximum difference of 8.2 times.
Yesterday, the China Insurance Industry Association and the China Automobile Maintenance Industry Association jointly released the third batch of 20 common models. Among them, the BMW Brilliance 5 Series F18 and the Beijing Benz E-Class W212 have the highest zero ratio, ranging from 650% to 660%, and the basic parts can be bought to buy 6 and a half vehicles. More reasonable, like the Great Wall Hover H6, Beijing Hyundai ix35, basically the parts can not buy two complete vehicles. According to reports, the automobile zero ratio objectively reveals the unreasonable pricing mechanism of automobile host manufacturers in the after-sales parts circulation field, and discloses the difference in the price of accessories between different brands and different models for consumers.
The relevant person in charge of an insurance company told the reporter that the marketization of auto insurance rates has begun to be piloted, and the zero ratio will be a factor affecting the pricing of auto insurance. That is to say, the zero ratio of different models will affect the pricing of vehicle damage insurance. The higher the zero ratio coefficient, the higher the compensation cost, and the higher the corresponding premium.
The relevant person in charge said that after the car zero-ratio data was released twice last year, many manufacturers lowered the price of spare parts, such as Mercedes-Benz, FAW Audi, Chrysler, BMW and so on. However, through tracking and monitoring, it is found that some automakers have lowered the price of high-value, low-loss frequency accessories, and the price of accessories that are closely related to the daily cost of consumers is less, such as lamps and front bumpers. Even the price increase has caused consumers to feel less about the decline in the price of accessories.
In response to this situation, the two associations carried out the research on the “Automobile Consumers' Common Parts Burden Indexâ€, and selected 500 models and 18 commonly used accessories as the research objects to calculate the common parts burden index, which indicates the 18 commonly used accessories. The replacement cost accounts for the proportion of the entire vehicle price. The average load factor of all models was 13.79, with 301 cars below the average, accounting for 59.6%, and the 199 cars above the average, accounting for 40.4%. In addition, the difference in the cost burden of replacement parts for consumers is large, and the maximum difference is 8.2 times.
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