Chapter 1086 The benefits of setting up an insurance business

Gu Yue finally understood why Wu Feng and his father were so angry with him, because all his actions today were just like a clown, and he thought his knowledge was better than theirs.

Her face turned red, and she finally pouted and said:

"But... But who told Wu Feng not to tell me, hum..."

After saying that, she ran upstairs. Now she could only hide her embarrassment in this way.

Looking at Gu Yue running upstairs, Gu Jianshe said nothing more!

On the other side, Chen Changliu called Chen Yanfeng on his way home after finishing today's party and asked him to arrange for someone to make a plan. How much car sales would the company achieve before it would be suitable for him to set up an insurance company, specifically for Car insurance in your name!

Yes, he had had this thought before, but then there were too many things and he forgot about it. Gu Yue's appearance today reminded him.

The big baby who was almost hanging on him asked curiously:

“Big boss, are you also going to enter the insurance industry?

But why do you want to enter the insurance industry just to insure the company’s cars? "

Looking at his big baby who continued to have a fever and kept teasing him, Chen Changliu patted him hard and said:

"You little brat, even if you tell me, you don't know, I'm very angry right now, what should I do!"

Chen Changliu's hooligan behavior and words that changed the subject made Dabao's body weak.

"Hehe, big boss, what else can you do? You can do whatever you want. Anyway, I can't stand it anymore and there's still milk fir!"

Da Baobei's bachelor's words made the slightly shy Naishan blush, and he followed Chen Changliu to attack her sensitive spots while saying angrily:

"You are going to die..."

"Hahaha........"

Chen Changliu didn't get home until 9 o'clock in the evening, and Ke Meng hadn't come back yet. Because of the Weibo Charity Night, she had a lot to coordinate and solve.

Chen Changliu thought for a while, took out his laptop, and began to do some analysis on whether to become an insurance company.

In the past, there were endless news about new energy vehicles being denied insurance or being priced much higher than fuel vehicles, which had a certain impact on the sales of new energy vehicles.

Later, the boss of new energy vehicles, Moudi, started to do insurance, which was to insure his company's cars to solve these pain points.

If Chen Changliu hadn't reached a different height in this life and was exposed to different information, he would really have believed this.

But it was different now. He saw more things. Being refused insurance and having the insurance price higher than that of a luxury gas car were just superficial reasons.

In fact, in Chen Changliu's view, there are many more important reasons for Moudi's layout of insurance business.

First, improve the industrial chain layout.

The insurance business can develop in coordination with the main automobile business, providing car owners with one-stop services such as car purchase, car use, insurance, and maintenance, enhancing customer stickiness and loyalty, and enhancing brand competitiveness.

For example, we provide a supporting insurance plan when purchasing a car, and repair it at our own 4S store after an accident, forming a closed-loop service.

Second, expand business areas and increase sources of profit.

Competition in the automobile market is fierce, profit margins are squeezed, and the insurance market has great potential. Getting involved in insurance can diversify business risks and improve overall profitability.

In fact, by that time, not only the automobile business, but also the mobile phone business will be the same, and some service revenue will account for a high proportion.

For example, in the previous life, a top 500 mobile phone company had a quarterly revenue of more than 80 billion, and its service revenue was more than 8 billion.

This is nothing. Rotten Apple is even more exaggerated. Service revenue accounts for nearly 30% of total revenue. This means that for every 10 billion U.S. dollars in revenue of Rotten Apple, the proportion of service revenue will reach about 3 billion U.S. dollars.

Third, solve the pain points of new energy vehicle insurance, which is the most superficial reason.

New energy vehicles are very different from traditional fuel vehicles in terms of body structure, power system, etc., and their technology is updated rapidly and maintenance costs are high, such as battery replacement.

Traditional insurance companies lack relevant data and find it difficult to price accurately, resulting in high premiums or denial of coverage for new energy auto insurance.

It can also rely on its own data advantages to develop exclusive insurance products that are more in line with the characteristics of new energy vehicles, such as charging pile liability insurance, power grid failure loss insurance, etc., to meet the diverse needs of car owners and improve service quality.

Fourth, optimize user experience:

Understand your own vehicle better, and make damage assessment and claim settlement more professional and efficient. It can avoid excessive maintenance, reduce claims disputes, provide car owners with quality services, and enhance user satisfaction.

Through driving behavior data, premium discounts are given to high-quality customers who drive safely and have low accident rates to encourage car owners to drive safely and reduce the overall accident probability and compensation costs.

Fifth, you can have the right to speak in data.

The core of the insurance business is data. Traditional insurance companies’ data are mainly based on social statistics, and they have insufficient understanding of personalized data on new energy vehicles.

A large amount of data on car owners' driving behavior and vehicle usage can be used to accurately assess risks, customize personalized insurance plans, and achieve differentiated competition.

Sixth, lay out future development and prepare for the development of autonomous driving.

Another hot topic for automobiles in the future will definitely be autonomous driving. The definition of liability for automobile accidents in the autonomous driving stage is complicated and involves the responsibility of the manufacturer.

Flower growers can take risks for drivers and manufacturers by providing their own insurance, which will definitely help product sales, as well as the development and application of autonomous driving technology...

Chen Changliu was very focused, because the analysis he was doing now did not have a template in his previous life, but was summarized by himself based on the accumulation of this life and the experience of the previous life, so he could not do it as easily as those with templates in the past.

Chen Changliu was so focused that he didn't even know when Ke Meng and Zhao Yanan came back and stood quietly behind him.

When he finally listed all the points he thought of, he finally relaxed, stretched his waist and made a comfortable sound.

At this time, two hands were placed on his shoulders and pinched his shoulders, and Ke Meng's voice also rang out.

"It's rare to see you so focused, you didn't even know that we were back for 10 minutes!"

Then he walked around the sofa and sat down.

Chen Changliu put his laptop on the coffee table in front of him, then lay down and hugged Ke Meng's thighs, and said with a chuckle:

"Yanan, help me step on my back, let me see if you have gained weight!"

Chen Changliu's words made Zhao Yanan pout and say dissatisfiedly:

"What, Master, I have always maintained a good figure, okay?"

While saying this, he did not stop his movements, and stepped on it lightly. There was a crackling sound from Chen Changliu's body, which also made him feel so good that he made a sound that made people imagine, and Ke Meng couldn't help but mess up his hair.

"Yanan, but I feel that after my hard work, I feel that your fierceness has become a size bigger, so the weight will go up!"

"Hehe..."

"Hate, stinky hooligan."

Ke Meng's silver bell-like laughter and Zhao Yanan's shy dissatisfaction rang out in the room.

PS: The typos will be corrected later.