Sharing a car hire on the edge of risk?

Sharing car rental, a new type of car rental has swept the country recently, emerged a group of P2P car rental companies, such as bumpy car rental, AA car rental, PP car rental, etc. They provide convenience for people's daily life, meet the individual needs, and are welcomed by consumers. However, the sharing of rental cars is a new thing, lack of relevant policy support, always on the edge of risk, is not conducive to the healthy development of the entire industry.

Innovation

P2P car rental is different from traditional car rental. A private car owner or rental company leases an idle private car or rental car to a person who needs a car, and does not take a car to drive. This method makes full use of idle resources and improves vehicle utilization.

The shared rental car originated in Europe. Germany is one of the leading countries. With 80 million people in Germany, more than 33 million people use shared car rental. Peng Jia, Director of the China Office of the German Agency for International Cooperation (giz), told reporters: “Traffic congestion and tense parking spaces have become a common problem for big cities in all countries. Sharing car rentals can increase vehicle utilization, reduce the number of private cars and help ease traffic. Tension between stress and parking spaces."

According to reports, the number of private cars that can be replaced by each shared car is 4 to 11 in Europe and 6 to 23 in North America. The decline in motor vehicle mileage is also relatively high, with 28% to 45% in Europe and 8 in North America. %~80 %.

Sharing car rental is not only welcomed by European consumers, but more and more domestic consumers are also accepting this new thing. Xu Fanbo, director of public relations at PP Car Rental, told reporters: “Sharing a car allows people to travel from a fixed cost to a variable cost. P2P car rental costs 30% to 50% cheaper than traditional methods, and is welcomed by consumers.”

A shared car can revitalize 10% of idle car resources, reduce 13 vehicles on the road, reduce traffic congestion; reduce 1% of urban carbon emissions every year, social benefits are very obvious. According to reports, as of August 2014, the number of registered vehicles for the PP rental platform exceeded 70,000, showing strong market potential and demand.

Accompanied by risk

P2P rental cars have similarities and differences with existing taxis and rental cars. The ownership of taxis and rental cars belongs to the operating company. The taxis are driven by the taxi drivers and pay “money on time” on time. The rental car is driven by the lessee and pays a certain fee according to the time or mileage of the lease.

P2P car rental ownership and use rights are also separate, but the ownership of the vehicle is private, private car owners will want to rent their own rental vehicles on the car rental platform, and then the tenants search for the appropriate vehicle, the parties agreed good car rental time and price, etc. Conditions to complete the lease transaction.

P2P car rental is a new thing. What is the difference between traditional insurance and insurance claims and transportation?

Mr. Ding, a claimant of a large insurance company in China, told reporters: “China’s vehicle insurance claims principle is that high risk of vehicles leads to high premiums. Operating vehicles often travel on the road and the risk is significantly higher than that of private cars. Private cars are used in P2P car rentals and have changed. Due to the nature of the vehicle, there is a noticeable increase in the risk, but it is only necessary to pay premiums for private cars. This is clearly unreasonable."

Xu Fanbo said: "We have considered the possible occurrence of traffic accidents on rental vehicles. Every rental person must purchase the P2P platform liability insurance at a cost of 25% of the order amount and the maximum amount of claims is up to 1 million yuan. This is a Over-pay odds insurance, the insurance claims incurred during the tenancy of the vehicle will be covered by this insurance, and will not involve the original insurance of the private car owner, ie, the owner of the car will not have to worry about the premium increase for the second year due to the accident.This insurance is PICC and Huaan Insurance. Specifically for P2P rental cars."

The lessee must additionally purchase the liability insurance of the P2P platform to reduce the risk of the owner to a certain extent, but the owner cannot completely avoid the risk. Article 49 of the “Law on Tort Liability of the People's Republic of China” stipulates that if the owner and the user of the motor vehicle are not the same person due to lease, loan, etc., if the vehicle accident belongs to the party responsible for the motor vehicle after the traffic accident, the insurance company shall be on board. Compensation shall be paid within the limits of the liability of compulsory motor insurance. Insufficient part shall be assumed by the motor vehicle user; if the motor vehicle owner is at fault for the occurrence of the damage, he shall bear the corresponding liability for compensation.

In China's past traffic accident handling, there have been many cases where the owner of the vehicle was jointly and severally liable for damages. If the responsibility for the accident is particularly serious, according to the current laws, it is still difficult for a private car owner who provides P2P car rental to escape joint liability.

Everyone was also very concerned about the loss caused by the charterer’s driving violation of the vehicle to private owners. Xu Fanbo said: “We require each tenant must brush for a 30-day period and a pre-sale right of RMB 2,000. After the charterer returns the vehicle, we will be in 2 weeks. Inquire about violation of the vehicle within the time, if there is violation, the amount will be deducted from the pre-sale rights, if not, the money is automatically returned to the lessee.”

A person from the publicity department of the Public Security Bureau of the Public Security Bureau of the Beijing Public Security Bureau said: “At present, there is no special traffic management regulation for the P2P car rental. Traffic accidents or violations of regulations are implemented according to the existing laws. Freezing the right to pre-sale can be avoided. The owner pays a penalty for the loss, but it is difficult to avoid the loss of the traffic penalty.

There is a risk that P2P car rental can not be ignored. After the lessee leases the car, there is a possibility of committing crime or illegal activities. Once the car is seized, the event may not be covered by the insurance coverage, which will affect the use of vehicles by private owners.

Look forward to policy escort

P2P car rental is essentially a shared economy. There are already mature operating models abroad, and it takes a short time to introduce it into China. Xu Fanbo said: "P2P car rental is just a platform for information communication between the two parties, not involved in the operation of the car, can ease road congestion and parking pressure on the development of the city has a positive significance, we look forward to relevant policies to support."

P2P car rental is a new thing. Mr. Ding affirmed this. He said: “Lack of relevant policy support. At present, P2P car rental is a little bit 'black car'. We should see it positive and related departments should give policy support.”

Mr. Ding suggested that we must first clarify the nature of P2P car rental, and only if the nature is clear, can we develop targeted policies. Second, we must clarify what type of car can be used for P2P car rental; finally, how to define when private car is used, When it comes to P2P car rentals, a standard system is needed.

Mr. Ding continued: "Our insurance company will also actively research and develop insurance products for P2P car rental in the future to better promote the development of shared car rental."

Sharing car hire has been on the brink of policy for some time, and it is expected that the relevant departments will take the initiative to take measures to make P2P companies no longer worry and be able to open their hands to private car owners and consumers.

The staff demonstrated the shared car rental operation process.

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