{"id":18663,"date":"2024-09-19T20:52:53","date_gmt":"2024-09-20T01:52:53","guid":{"rendered":"https:\/\/bolttech.io\/insight\/bao-hiem-nhung-binh-thuong-moi-cho-bao-hiem-o-to\/"},"modified":"2024-09-19T20:52:58","modified_gmt":"2024-09-20T01:52:58","slug":"bao-hiem-nhung-binh-thuong-moi-cho-bao-hiem-o-to","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/bao-hiem-nhung-binh-thuong-moi-cho-bao-hiem-o-to\/","title":{"rendered":"B\u1ea3o hi\u1ec3m nh\u00fang: B\u00ecnh th\u01b0\u1eddng m\u1edbi cho b\u1ea3o hi\u1ec3m \u00f4 t\u00f4"},"content":{"rendered":"\n

B\u1ea3o hi\u1ec3m nh\u00fang ban \u0111\u1ea7u t\u1eadp trung v\u00e0o c\u00e1c r\u1ee7i ro d\u1ec5 x\u00e1c \u0111\u1ecbnh, d\u1ec5 b\u1ea3o hi\u1ec3m.\nKhi ph\u00e2n t\u00edch d\u1eef li\u1ec7u, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a m\u1edf ra nh\u1eefng kh\u1ea3 n\u0103ng m\u1edbi trong b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh, b\u1ea3o hi\u1ec3m nh\u00fang \u0111ang m\u1edf r\u1ed9ng \u0111\u1ec3 bao g\u1ed3m c\u00e1c r\u1ee7i ro ph\u1ee9c t\u1ea1p h\u01a1n. <\/p>\n\n

\u0110\u1ee9ng \u0111\u1ea7u trong s\u1ed1 n\u00e0y l\u00e0 b\u1ea3o hi\u1ec3m nh\u00fang cho xe<\/a>.\nG\u1ea7n nh\u01b0 m\u1ecdi ti\u1ec3u bang c\u1ee7a Hoa K\u1ef3 \u0111\u1ec1u y\u00eau c\u1ea7u m\u1ed9t s\u1ed1 h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m ho\u1eb7c b\u1ea3o v\u1ec7 \u0111\u1ec3 gi\u1ea3i quy\u1ebft chi ph\u00ed tai n\u1ea1n \u00f4 t\u00f4 v\u00e0 b\u1ea3o hi\u1ec3m xe h\u01a1i cho \u0111\u1ebfn nay l\u00e0 l\u1ef1a ch\u1ecdn ph\u1ed5 bi\u1ebfn nh\u1ea5t.\nB\u1eb1ng c\u00e1ch nh\u00fang b\u1ea3o hi\u1ec3m v\u00e0o gi\u00e1 mua c\u1ee7a m\u1ed9t chi\u1ebfc xe ho\u1eb7c l\u00e0m cho n\u00f3 tr\u1edf th\u00e0nh m\u1ed9t ti\u1ec7n \u00edch b\u1ed5 sung c\u00f3 s\u1eb5n t\u1ea1i \u0111i\u1ec3m b\u00e1n, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea1i l\u00fd \u00f4 t\u00f4 c\u00f3 th\u1ec3 cung c\u1ea5p d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n v\u00e0 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 m\u1ea1nh m\u1ebd h\u01a1n. <\/p>\n\n

Ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u1ef1 \u0111\u1ed9ng nh\u00fang \u0111ang ph\u00e1t tri\u1ec3n<\/h2>\n\n

B\u1ea3o hi\u1ec3m t\u1ef1 \u0111\u1ed9ng nh\u00fang kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t \u00fd t\u01b0\u1edfng m\u1edbi.\nV\u00ed d\u1ee5, b\u1ea3o hi\u1ec3m \u0111i\u1ec3m b\u00e1n h\u00e0ng \u0111\u00e3 c\u00f3 s\u1eb5n cho kh\u00e1ch h\u00e0ng thu\u00ea xe trong nhi\u1ec1u th\u1eadp k\u1ef7. <\/p>\n\n

Tuy nhi\u00ean, trong nhi\u1ec1u n\u0103m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 nh\u00fang kh\u00f4ng v\u01b0\u1ee3t xa b\u00e0n cho thu\u00ea xe.\nB\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng xe cho thu\u00ea, v\u1ed1n b\u1ecb h\u1ea1n ch\u1ebf v\u00e0 c\u00f3 th\u1ec3 d\u1ef1 \u0111o\u00e1n \u0111\u01b0\u1ee3c, \u0111\u01a1n gi\u1ea3n h\u01a1n b\u1ea3o l\u00e3nh cho c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn m\u1ed9t chi\u1ebfc xe gia \u0111\u00ecnh, h\u1ed9 gia \u0111\u00ecnh ho\u1eb7c doanh nghi\u1ec7p c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng h\u00e0ng ng\u00e0y trong m\u1ed9t th\u1eadp k\u1ef7 tr\u1edf l\u00ean v\u00e0 cho nhi\u1ec1u m\u1ee5c \u0111\u00edch kh\u00e1c nhau. <\/p>\n\n

K\u1ebft n\u1ed1i m\u1edf r\u1ed9ng v\u00e0 c\u00e1ch c\u1ea3i ti\u1ebfn \u0111\u1ec3 ph\u00e2n t\u00edch d\u1eef li\u1ec7u \u0111\u00e3 l\u00e0m cho b\u1ea3o hi\u1ec3m nh\u00fang tr\u1edf th\u00e0nh m\u1ed9t l\u1ef1a ch\u1ecdn cho ng\u01b0\u1eddi mua \u00f4 t\u00f4 h\u00e0ng ng\u00e0y, Sam Abuelsamid<\/a>, nh\u00e0 ph\u00e2n t\u00edch nghi\u00ean c\u1ee9u ch\u00ednh t\u1ea1i c\u00f4ng ty t\u01b0 v\u1ea5n qu\u1ea3n l\u00fd Guidehouse Insights vi\u1ebft.\nNg\u00e0y nay, nhi\u1ec1u nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 \u0111ang kh\u00e1m ph\u00e1 c\u00e1c c\u00e1ch \u0111\u1ec3 bao g\u1ed3m b\u1ea3o hi\u1ec3m v\u1edbi nh\u1eefng chi\u1ebfc xe m\u1edbi m\u00e0 h\u1ecd cung c\u1ea5p. <\/p>\n\n

\u0110\u1ea1i d\u1ecbch \u0111\u00e3 th\u00fac \u0111\u1ea9y c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong c\u0169ng nh\u01b0 c\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 suy ngh\u0129 l\u1ea1i v\u1ec1 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 d\u1ef1a tr\u00ean th\u00f3i quen mua h\u00e0ng v\u00e0 nhu c\u1ea7u b\u1ea3o hi\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng.\n“V\u1edbi vi\u1ec7c kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng thi\u1ebft b\u1ecb di \u0111\u1ed9ng l\u00e0m trung t\u00e2m mua s\u1eafm c\u00e1 nh\u00e2n, c\u00e1c nh\u00e0 m\u1ea1ng nh\u1eadn ra s\u1ef1 c\u1ea7n thi\u1ebft ph\u1ea3i ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 s\u1ea3n ph\u1ea9m c\u1ee7a h\u1ecd \u0111\u1ec3 \u0111i tr\u01b0\u1edbc \u0111\u1ed1i th\u1ee7”, Christopher Ewing<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 gi\u00e1m \u0111\u1ed1c chi\u1ebfn l\u01b0\u1ee3c t\u1ea1i n\u1ec1n t\u1ea3ng x\u1eed l\u00fd khi\u1ebfu n\u1ea1i One Inc vi\u1ebft.\nM\u1ed9t c\u00e1ch \u0111\u1ec3 l\u00e0m nh\u01b0 v\u1eady l\u00e0 l\u00e0m cho b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 tr\u1edf n\u00ean \u0111\u01a1n gi\u1ea3n b\u1eb1ng c\u00e1ch cung c\u1ea5p n\u00f3 v\u00e0o th\u1eddi \u0111i\u1ec3m v\u00e0 \u0111\u1ecba \u0111i\u1ec3m m\u00e0 kh\u00e1ch h\u00e0ng \u0111ang ngh\u0129 v\u1ec1 b\u1ea3o hi\u1ec3m xe h\u01a1i c\u1ee7a h\u1ecd. <\/p>\n\n

Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00fang d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u1ea1t 3 ngh\u00ecn t\u1ef7 \u0111\u00f4 la v\u00e0o n\u0103m 2023, nh\u00e0 c\u00f4ng ngh\u1ec7 Bill Malloy<\/a> vi\u1ebft.\nM\u1ed9t t\u1ef7 l\u1ec7 l\u1edbn c\u1ee7a gi\u00e1 tr\u1ecb \u0111\u00f3 c\u00f3 th\u1ec3 \u0111\u1ebfn t\u1eeb b\u1ea3o hi\u1ec3m t\u1ef1 \u0111\u1ed9ng nh\u00fang.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 c\u01a1 h\u1ed9i m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng c\u00f4ng ngh\u1ec7 v\u00e0 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd h\u01a1n. <\/p>\n\n

\"\"<\/figure>\n\n

L\u00e0m th\u1ebf n\u00e0o c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 c\u00f3 th\u1ec3 \u0111\u1ecbnh v\u1ecb b\u1ea3n th\u00e2n \u0111\u1ec3 th\u00e0nh c\u00f4ng<\/h2>\n\n

B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 nh\u00fang c\u0169ng th\u00e1ch th\u1ee9c c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1ea1o ra m\u1ed9t lo\u1ea1i m\u1ed1i quan h\u1ec7 m\u1edbi: K\u1ebft n\u1ed1i gi\u1eefa ng\u00e0nh b\u1ea3o hi\u1ec3m v\u00e0 ng\u00e0nh c\u00f4ng nghi\u1ec7p \u00f4 t\u00f4.<\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C duy tr\u00ec kho ki\u1ebfn th\u1ee9c s\u00e2u s\u1eafc nh\u1ea5t th\u1ebf gi\u1edbi v\u1ec1 h\u00e0nh vi c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe v\u00e0 nh\u1eefng r\u1ee7i ro li\u00ean quan \u0111\u1ebfn vi\u1ec7c v\u1eadn h\u00e0nh c\u00e1c lo\u1ea1i xe c\u01a1 gi\u1edbi kh\u00e1c nhau trong c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c nhau.\nTuy nhi\u00ean, c\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 l\u00e0 nh\u1eefng chuy\u00ean gia trong ph\u00f2ng khi n\u00f3i \u0111\u1ebfn nh\u1eefng g\u00ec kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd t\u00ecm ki\u1ebfm, c\u00e1ch kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm th\u00f4ng tin v\u1ec1 xe m\u1edbi v\u00e0 lo\u1ea1i xe n\u00e0o kh\u00e1ch h\u00e0ng cu\u1ed1i c\u00f9ng mua. <\/p>\n\n

B\u1eb1ng c\u00e1ch h\u1ee3p l\u1ef1c, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 c\u00f3 c\u01a1 h\u1ed9i:<\/p>\n\n