Mr. Yang motor vehicle owners before the expiry of the end of last year, the insurance clerk received a phone call to sell their insurance company vehicle insurance. An insurance intermediary sales eventually caused his attention, the clerk said his company is the insurance company's A-level agents. And through them to buy vehicle insurance only 4,900 yuan / year. Mr. Yang and before the vehicle insurance costs no less than 5,000 yuan / year, and last year he also had several risk to, the premiums should also be floating. Mr. Yu Shiyang ask the specific details reported by the premium. The other said to be specific costs need to provide car owners identification card numbers, Mr. Yu Shiyang no preparedness to provide their identity card numbers. Soon a few minutes, the clerk of verification data and found that Mr. Yang's car insurance last year to three to increase upgrading 1000, Mr. Yang can not accept such prices declined. The clerk immediately asked Mr. Yang Which insurance companies intend to buy vehicle insurance, Mr Yang said Suikou B insurance companies in the insurance plan.
A few days later, Mr. Yang has an A for their own insurance company clerk to purchase insurance next year, the results of the hand being told he had been in the B-risk insurance companies under a single. The next few days on the accident to Mr. Yang received the insurance intermediary sales of telephone and was told to help its B has been insured by insurance companies and vehicle insurance policies to the good, Mr. Yang only sign and payment can be face to face . In Mr. Yang asked what his rights without the consent of a single victim, the clerk said that the policy has been to, they can only be a single insurance company to buy insurance, and elsewhere have been unable to purchase. The three complaints against Mr. Yang, B insurance company finally withdrew the policy.
Expert commentary for auto insurance in the informal channels to choose
Mr. Yang met the situation should be an intermediary in the first insurance company under the single-A, and then prepared to get insurance, Zaitui single purchase of Mr. Yang B, the insurance company wants to buy vehicle insurance. Such as Mr. Yang抢encountered a few single-car owners, experts advise owners to buy insurance should pay-choice regular sales channels, the owners can go directly to the Office of business for insurance companies, insurance-risk pay the required information on identity cards and Permit a copy of the insurance companies through the license plate of vehicle owners will be able to find this year's pay-rate risk, can immediately handle properly; can also call the insurance companies and insurance companies for the official website for the insured.
Lawyers reminded the legal knowledge and learning motor
Currently appearing on the market is very unsystematic insurance intermediary, to remind owners to not only look at price comparison service claims and, at the same time remind the owners signed the insurance contracts, insurance terms read carefully the re-signing, to see the insurance liability. Insurance contract is the contract format to allow non-professionals to see the owner of a professional term insurance provisions, put the insured under their own very unfavorable position, therefore, it is necessary to review the existing insurance contracts is not fair to policyholders Insurance terms. To learn more major proposals related to vehicle insurance and legal knowledge, to avoid allowing the mercy of insurance intermediaries, in a passive position.
Professional remind enhance prevention awareness
To remind the industry to prevent major increase awareness of the regular insurance agents are selling insurance agent license, but not low-price discounts to lure policyholders way. Insurance agents face the telephone, to determine this is a regular insurance agent to the next single, the insured can not Jiuping insurance agent's identity card number of telemarketing calls, and other personal information will be disclosed out.
Read the perfect extension of the insurance intermediary market system
China's insurance intermediary institutions in terms of the number, scale of business, or for insurers and the insured to provide technical services, are relatively backward, and corresponding to the supervision of insurance intermediaries are also at the initial stage.
In view of the current uneven distribution of the intermediary market institutions, ranging from the pace of development, different levels of monitoring the status and insurance supervision teams to enhance the overall level and quality of supervision, many organizations monitoring the China Insurance Regulatory Commission recommended the training and study, strengthen exchanges in the interval . When conditions permit, with the insurance intermediary market intermediaries developed countries to monitor the exchanges and learning, actively study and draw on international experience of some mature supervision, and further strengthen the perfect insurance laws and regulations, strengthen supervision of insurance indicator system, to nurture Intermediary market development of high-quality monitoring team.
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