just like insurance for the car, it also gives insurance to the elevator, and this kind of thing is about to be fully implemented in jiangsu province.
on july 31st, zhou guoqing, vice chairman of jiangsu special equipment management association, held a seminar on the safety of old elevators held in sukunshan city, jiang su province. “we have established a provincial elevator with the jiangsu insurance regulatory commission. liability insurance work opinion will be reported to the jiangsu provincial government and the provincial government will be invited to promote the elevator insurance system in the province.”
according to the relevant person in charge of the shanghai elevator association, china is the world’s largest elevator producer and user. in the past two years, frequent elevator accidents in our country have caused widespread concern for the quick protection of the interests of accident victims. the insurance system is of great significance to the healthy development of elevator companies and maintenance companies, and it is also a powerful guarantee for the people who take the ladder.
residential ladder premium does not exceed 100 yuan / year / department
zhou guoqing told reporters that in the documents they submitted, the name of the elevator insurance was determined as the elevator safety liability insurance, which was divided into a main insurance and four sub-insurances. the main insurance was the passenger safety liability insurance, while the secondary insurance was professional. liability insurance, which covers the rider and four other responsible parties (physical management personnel, maintenance personnel, inspectors, and installers).
“in the draft for the drafting of the elevator insurance system, we mainly seek advice on the rate and the amount of coverage for this type of insurance. in terms of rates, the standard we give is 60 to 100 yuan per year for each residential ladder. the quota is about 4 million yuan; non-residential ladder premiums will be higher, and each elevator is between 200 and 300 yuan/year, and the corresponding protection quota is also higher.” zhou guoqing said.
in addition to rates and coverage, payout time is also a key point. is it that the elevator does not discuss liability after the accident has occurred and pays the bill first, or does it have to clarify the responsible party before paying the bill? “at present, we are basically determined to pay in advance.” zhou guoqing added.
zhou guoqing emphasized that the rate of this insurance is not fixed and will be determined with reference to many parameters, such as different premiums for different ages, and different premiums for maintenance.
another important question is who will pay premiums? zhou guoqing introduced that there are currently three levels, including users (ie, people who ride), related persons (including property companies, maintenance companies, etc.), governments, and related organizations. “we propose that the three should share the cost of each household 100 yuan per year as an example. the allocation to each relevant party is tens of yuan per year.” zhou guoqing also told reporters that in the selection of insurance companies, they use tenders. the way to determine. “we hope to have 2 or 3 companies working together to do so, which can prevent the exclusive designation of price monopoly and prevent the emergence of low-price bids in multiple competitions. at present, we have commissioned an insurance brokerage company to engage with insurance companies. work.” the above situations are all aimed at using ladders. “the new ladders will be installed after the future implementation of this insurance system. we are asking the elevator manufacturers to have a product quality liability insurance when they deliver the users. 15 years of premiums.the users of these new ladders will no longer have to pay elevator safety liability insurance in 15 years," said zhou guoqing.
the country has become a trend
on august 7, when a reporter from the china real estate news called zhou guoqing, he said: “we have submitted the above-mentioned working opinions to the provincial government on august 1. if we are successful, we will be able to complete the consultation draft of the relevant documents in early september. it is officially implemented in late september." the reason why the elevator insurance system was promoted so urgently in jiangsu province is related to jiangsu province as a major province of elevators.
zhang qian, deputy director of the jiangsu provincial bureau of quality and technical supervision, pointed out that as of the end of last year, there were 27 elevator manufacturing plants in jiangsu province, with an annual output of more than 120,000 elevators, and annual sales accounted for about 29% of the national total, ranking first in the country. at the same time, jiangsu is also a major province for elevators. at present, jiangsu province employs 250,000 elevators, and the number of elevators in the province that have been over 10 years old has reached tens of thousands. elevators account for 21.7% of jiangsu's special equipment, but the complaint rate accounts for more than 80%.
the reason for such a high number of complaints is that many of the elevators in use in china are subject to varying degrees of wear and tear. these problems affect the safe operation of elevators to varying degrees, and often cause some people to be shut down and fall rapidly. clip people and other events.
a person in the elevator industry said that china had not established an accident liability insurance system in the field of elevators. once an accident occurs in an elevator operation, it will become a difficult problem. in western countries, disaster liability insurance in public places has become an indispensable risk prevention tool for companies, individuals, and governments.
it is understood that elevator insurance sold separately on the chinese market is very small, and it is usually accidental insurance in the public domain such as “public liability insurance” that is “packaged”. however, this packaged insurance has an accident caused by elevators. the amount paid is very low.
in fact, jiangsu province was not the first to introduce an elevator insurance system. last may, guangzhou and dongguan had taken the lead in piloting elevator liability insurance in china.
zhou guoqing said that according to his understanding, in guangzhou and dongguan where the elevator insurance system has been implemented, about 70% of all elevators involved in elevator safety liability insurance. “the document issued by us in the future is of policy significance, but it is not enforceable. from the perspective of us looking for property, maintenance and elevator companies, companies are very supportive and the enthusiasm for participation is high.” a person who would like to be named as a manufacturer of elevators said: “we also support elevator insurance, but we are very concerned about premium rates. if we press an elevator for rmb 100/year, we ask the elevator company to buy it for 15 years before leaving the factory. the insurance, which means that each elevator will pay an extra 1,500 yuan. if we count 50,000 units per year, that's 75 million yuan, and it's not a small amount in the end. however, regardless of the attitude of the market, the elevator safety liability insurance system has already formed a prairie fire in the country. it is understood that at present, anhui, shandong, shanghai, xiamen, kunming and other provinces and cities have started research in this area, and actively promote the implementation.