# Kim Gung-geum (pseudonym, 65), who insured two car accidents last year, fell into trouble when he heard from the designer that this year’s insurance premium would increase by 1.2 million won (1.3 million → 2.5 million won) from last year. Accordingly, Kim listened to the advice of an acquaintance and accessed the’auto insurance premium discount premium inquiry system (prem.kidi.or.kr)’ to open the past insurance payment status. Then, after confirming that the two insurance payments last year were as small as 300,000 won and 400,000 won, respectively, they called the insurance company and paid the insurance money at their own expense. Since then, the premium has been renewed to 1.4 million won, which has been significantly lowered from 2.5 million won.
As in the case of Mr. Kim, starting this year, drivers can easily view the details of their auto insurance premium discount premium through the Internet homepage, thereby saving a considerable amount of insurance premiums.
This system can be accessed through the FSS or Insurance Development Institute’s homepage, or by entering the Internet address (prem.kidi.or.kr) directly.
An official from the Financial Supervisory Service said, “Automotive insurance is a compulsory insurance with more than 23 million people and the average annual premium per unit is 740,000 won in 2020. Even if the amount of insurance is not large, Insurance premiums can soar by more than 50%. Even after insurance treatment, if you pay a small amount of insurance at your own expense, you can greatly reduce the premium burden, so this inquiry system will be useful.”
If you use the discount premium inquiry service, you can find out the details related to the premium discount premium before and after auto insurance renewal by simply verifying your identity. ▲The number of violations of the law ▲Discount premium level ▲Age ▲Experience of signing up ▲Whether to sign up for an age-limited special agreement, etc. are representative.
In addition, it is possible to check the details of car accidents during the past 10 years. It also provides details of insurance payments for each type, such as adult I, personal II, property, personal accident, personal vehicle damage, and uninsured car injury. You can also find out the details of legal violations affecting insurance premiums over the past 10 years. However, only automobile insurance purchased as a private car and a small car for personal use are subject to inquiry.
If you are a driver who does not drive a lot, it is economical to sign up for a special contract that discounts insurance premiums according to the mileage.
If a car is equipped with advanced safety devices such as a black box, a lane departure warning device, and a front collision warning device, depending on the insurance company, you can receive a 1-6% discount on insurance premiums. In particular, you can save up to 15% of insurance premiums when you are expecting a child under the age of 6 or giving birth.
Kang Kang-gu, head of the Insurance Supervisory Service of the Financial Supervisory Service, said, “Auto insurance premiums are calculated differently according to various factors such as the driver’s age and the number of accidents, which is difficult for consumers to understand.” He introduced that the’Insurance Damoa’ site is also highly utilized.”
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