Research Report On The Willingness Of Automobile Mileage Insurance Demand

Driving mileage and driver driving behavior are important factors affecting vehicle risk.In view of the fact that the technology,products and market for developing driver insurance(UBI insurance)are not yet mature and difficult to quantify,Car mileage insurance with mileage as the main pricing factor is on the horizon.The “Car Mileage Insurance” of PICC,Ping An,Sunshine,Zhong'an and many other property insurance companies was approved at the industry innovation product review meeting organized by China Insurance Industry Association.This is of great significance for the study of automobile mileage insurance and future UBI auto insurance.Once the automobile mileage insurance of PICC and other property insurance companies is officially approved by the regulatory authorities,the first batch of automobile mileage insurance in China will be piloted in Shaanxi and Qinghai where the auto insurance rates are fully liberalized.The owners can choose to follow the insurance.Mileage paid.This means that the pricing of domestic auto insurance products will usher in a new milestone and will also break the existing single auto insurance pricing model.In order to fully understand consumers' attitudes towards car mileage insurance and their willingness to demand,in order to give insurance companies and regulators early advice on car mileage insurance,and promote innovation and healthy development of the auto insurance market,this survey was implemented.Based on 588 valid survey data,combined with field visits and exchanges,through the descriptive analysis of data and multi-dimensional logistic regression analysis,it is concluded that there is a huge demand for automobile mileage insurance,and it is recognized by consumers.The influence of the mileage of the owner,the development of technology and the consumer's perception of the externality of the mileage insurance,and targeted promotion of product innovation,breakthrough of technical difficulties,improvement of relevant regulations and grasp of smart phone insurance reform Suggestions and opinions on opportunities and opportunities.