Under the general trend of the Internet of Vehicles, China PICC seems to have taken the lead. A PICC person said, “The initial test of the internal car network based on the Beijing area has been completed; if there is no accident, the testing of the larger scope and scale will be launched for customers in July and August, and the equipment procurement has been completed. ”
Internet industry giant Apple launched Carplay in-vehicle system. Domestic Baidu and Tencent also launched CarNet system and “Robo” respectively. The Internet giants who came to the market in 2014 posted the label of the first year of the Internet of Vehicles. The Chinese property and casualty insurance industry, which should have acted as one of the protagonists, is still in a separate battle. In the face of various car networking concept companies, traditional property and casualty companies are anxious.
PICC’s self-revolution PICC P&C has taken the lead. The current situation is that the preliminary test of the Internet-connected equipment based on PICC P&C has been completed, and then the scope will be expanded and expanded from the inside to the outside. The customer will be selected on a voluntary basis and five cities will be selected to enter the pilot phase of the car network insurance model.
In fact, PICC is trying to build an insurance network for the Internet. Through this platform, the modeling and verification work based on domestic vehicles and driving behavior is carried out. The core is to solve the relationship between driving behavior and risk, and the relationship with auto insurance pricing factors. It is UBI (Usage Based Insurance). The model has laid a mathematical foundation for the promotion and application in China.
The insurance industry is also likely to establish an insurance car network. PICC’s property insurance is following this path in the early stage. For example, cooperation with Tengxun is also an attempt. On May 5, PICC P&C announced that it has established an “i-car life platform” with Tencent, combining its offline auto insurance service outlets and other online resources such as Tencent “Luobao” to try to provide good car use for the majority of car owners. Experience.
The above cooperation is Tencent's initiative to find PICC P&C insurance, because it is interested in the car platform resources of PICC P&C insurance, but PICC P&C is also optimistic about Tencent's social platform, and hopes to attract customers in the future. Both sides can be hit it off. According to Wang He, vice president of PICC P&C Insurance, China's largest “people” platform and the “car” platform work together. The two are highly complementary, enabling data connectivity and building an ecosystem of car networking.
In addition to the personal insurance, each of them is ahead of the people's insurance. Other property insurance companies may still be in the “closed research and brewing stage”, but most of them are fighting each other.
Wang He believes that the overall should be prudent, not to be quick and profitable, and not to speculate on the concept.
According to the report of Essence Securities, the "money" scene of the Internet of Vehicles is attractive. The sales volume of every young car in the world is 80 million, and this field is one of the last few industries that are closely related to people's daily life and have not been transformed by the mobile Internet.
According to Xu Chengjun, general manager of Shanghai Tianchen Weixun Information Technology Co., Ltd., China's car networking has already possessed: institutional basis, market foundation, technical basis and application basis.
In the market base, the automobile-related industries (including insurance, public security, transportation, and rescue) of the government management departments also need “vehicle networking” to build an innovative service platform. The social and economic effects brought by the Internet of Vehicles will play an important role in the process of China's economic transformation and the cultivation of new industries. Among them, the importance of insurance is self-evident.
However, the reality is that "the model is not yet mature, the company's car network is only the prototype, and is still in the initial stage of research." On June 25, a person from a property insurance company said. There are also several property insurance companies that are still in the stage of brewing and envisioning.
Compared with large insurance companies, domestic small and medium-sized property and casualty insurance companies are actively promoting UBI in the face of weak competition, and hope to have a packaged and integrated solution to enhance competitiveness.
The revolutionary crisis of the car insurance company's car network The innovation of car networking is undoubtedly a revolution for the auto insurance industry.
First, in addition to UBI insurance, no other viable business or profit model has been formed. The current competition is to seize the OBD port (On Board Diagnostics is a universal on-board diagnostic system interface, which is convenient for maintenance personnel to quickly detect vehicle faults, so it can also get a lot of key information of the vehicle); the fact is that whoever masters the data integrates others; Insurance can only be followed at the moment and it is difficult to dominate. The current situation is that automakers, telecom operators, and Internet companies all want to integrate this piece.
Second, UBI is a pricing model based on vehicle usage and driving habits, which is basically tailored. The future trend is that with the improvement of driving behavior, auto insurance claims are getting smaller and smaller, but the premiums will be less and less. At the same time, excessive “personalization” will also be inconsistent with the mutual aid and mutual aid principle of insurance.
In addition, the promotion in reality will also face great difficulties and challenges - people with bad driving habits are not willing to load, because it involves personal privacy.
Despite the challenges, property and casualty companies have generated a sense of self-revolution. "It is not as self-revolution as it is subverted by Internet companies - it is the object of subversion. The key is that insurance needs to have sufficient understanding and sufficient attention, as well as top-level design to avoid fragmentation and duplication of construction." Insurance company executives said.

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