After a survey found, for the purchase of vehicle insurance, new car owners most concerned about the price, but experienced a report, take photographs, set loss, claims, claims for compensation procedures, such as the "old" owners more concerned about claims of convenience. Their claims for the tedious Clearly, much less entrusted to the agents or distributors more you will.
Ms Cheng recently bought a 129,800 yuan of the new Bora, You Juzu step into the ranks, but for car insurance she was puzzled. Insurance companies, 4 S stores and agent gave Ms Cheng Price, the same Pacific Insurance Company, the same car insured losses, the three, robbery and non-Mianpei, quotes, the highest reached 4,944 yuan, the lowest bidder, only 3,735 yuan.
Insurance companies, 4 S stores to Ms Cheng quotes are more than 4,500 yuan. Reported to 3,735 yuan for insurance agents clerk He bluntly said: "800 yuan cheaper in the original are my fees! Now the most valued customers prices, comparative shopping is very common. I offer low, Because I have to give a rebate to most of the owners, their Zhizheng San Sibai yuan. "Chen said, the insurance pricing in the margin of preference is usually 17 percent.
But low prices do have risks. According to the China Insurance Regulatory Commission's investigation, the Beijing insurance agency staff, a "basic insurance agents practitioners credentials" and "insurance agents practitioners exhibition industry certificate" less than 80 percent. Last year, this newspaper also reported that the owner was forged license sales to a few thousand dollars insurance policy premiums Pianqu the case.
According to a company management that the company's auto insurance business more than 80% of individuals have come from automobile dealers and agents, the proportion of direct charges about the performance. Many agents and dealers at the same time more than agents of the motor insurance companies, whose high fees on Which to the office, are often small-scale insurance companies dished out high fees to attract agents, rather than direct users .
Quote of the insurance companies are calculated by the results, with the exception of designated drivers, certain models have a certain coefficient of concessions, no two prices, but few owners directly to the insured. Although insurance companies try to direct contact by telephone to end customers, such as Ping An Insurance's "Yixian Tong", compared with the standard rate cut, but limited to the owners and publicity to the consumer inertia, performance is not satisfactory.
Despite higher prices, but the 4 S stores to avoid risks, the quality of aftermarket obviously more secure. In fact, 4 S stores to play the same "agent" role. With the insurance companies signed "agent contract", 4 S shop, was awarded a single power, can never get lower than the proportion of agency fees. 4S shops often as a price for the capital, is not directly in the insurance discount Rangli.
Insurance proposal
Technology unskilled, and often the accident occurred Guaceng owners may consider the 4 S shop insurance. Even with the brand 4 S stores, will also choose different insurance companies, insurance premiums, services vary.
Jialing long, Chuxian low rate of car owners may choose to lower the price premium to the agent alone. The major insurance companies established by the loss relatively more outlets.
-- Survey
500 yuan to buy 000 phone owners
More than the insurance company officials told journalists that call, send text messages to the owners to sell most of the insurance company's sales agents, insurance companies instead of the official staff. It is learnt that as long as 500 yuan will be spent in 2006 to buy the records of tens of thousands of car owners, insurance agents can be so "starting."
A five-year business of insurance agents revealed that many channels are available all relevant information owners, including owners name, phone number, model, license plate number; data may come from the sale of 4 S shop car registration, vehicle testing and field Loss outlets for insurance companies. Spent 500 yuan, you can buy first half of 2006, tens of thousands of owners of record. Two insurance agents to sell insurance compensation has been a profit.
4S shop you will most claims
Most of the rights granted to the single-agent, 4 S shops also received some degree of agent claims the privilege. People's Insurance claims a manager said that in car accident repairs, requested to 4 S stores, to the original owners of the increasing number of accessories.
Agencies are often limited to the loss of 5,000 yuan within the Peian. Within the limit, to take photographs or real-time monitoring of the camera determine the location and amount exceed the limit, owners need to personally handle the insurance company.
In contrast, in 4 S stores more convenient for the claim. 4S shops will be a higher authority for loss, or directly from the insurance company posted losses for members. San Yuanqiao Toyota store is a typical representative of People's Insurance, the Pacific, three insurance companies have safely set up shop in the loss of the staff.
A single company carefully exurbs
It is worth noting that some in City 4 S stores in order to earn high fees, and the choice of district and county suburb of insurance companies, but also to gain greater amount of the loss of authority. Once two or termination of cooperation beyond the scope of claims, the owners need to set loss from the exurbs to receive compensation, trouble Feitongxiaoke.
Facilitate co-exist with the hidden danger
The commission maintenance, agents also have the advantage of its flexibility. With the agency to establish cooperation between the repair shop, most of the second category aftermarket companies, to offer the service door Jiesong Ju, and the report, fill in a form to do that for them. But from the insurance company's surveys show that the use of plant parts, artificial expansion of the loss of the reported increase in frequency is also more in such repair shop, the owner asked to produce their list or set loss to the insurance company direct enquiries, which may be waived Vehicles were the danger of man-made damage.
31 Jul 2008
Opened in the motor "Maoni" a lot of know-how to buy insurance
The purchase of car insurance is an inevitable process to go through the formalities. But consumers often face when buying insurance that anything good to encounter a claim on any issue out, not that this will not do, how to effectively safeguard their own interests in a lot of know-how to buy insurance.
Case of a careful look at types of insurance
Mr. Mao complaints reflect: March 2003 he bought an Audi A6, and an insurance company for three years and three months of vehicle insurance and one-time payment of 3.7 million yuan. August 28, 2005, Mr. Mao Birang for pedestrians, reduce speed, accidentally let into a puddle in the road damaged. However, insurance claims rejected.
The results: After friendly consultations, the insurance company full compensation for maintenance costs of 97,415 yuan.
Comments on the industry: the insurance companies handle claims matters, need a variety of certificates and documents, and because of certain aspects of its insurance than consumers in a strong position, so insurance companies will certainly try to find loopholes in the contract rejected claims. Consumers should know when to take out insurance to buy their own insurance, detailed advice of an accident which can be compensated, and what circumstances can not be specified in insurance contracts, the sake of convenience when going through the motions, pay a lot of trouble when The. When insurance companies refused to claim, should consult a qualified professional third party to find the correct solution.
Case 2 paying more attention to the premium
Miss Meng consumers in September 2004 bought a car, then to the automobile dealers to pay the insurance premiums for five years, but the car in July this year after a car accident, Miss Meng is not only that dealers pay five years Insurance, and the dealers as early as the end of surrender in 2004, this request seek Miss Meng said.
The results: mediation, insurance companies continue to perform the contract, the case has been exposed to the public media.
Comments on the industry: Miss Meng at the crux of the problem lies with their own insurance plans you will be full to the vendor. As a fiscal common sense, consumers need with their insurance agents to establish contact, so in the event of an accident can be found in the fastest time for people to help themselves and secondly at the beginning or end of each year and insurance companies should be confirmed whether their insurance agents leave Replacement to ensure smooth communication. Pay the costs to protect their interests, or just give ourselves some trouble.
Vehicle claims should be noted Mian Peilv
The so-called Mianpei Shuai, is not compensable amount and the amount of the loss ratio. Mian Peilv into the relative and absolute Mian Peilv Mian Peilv two, the existing vehicle insurance is based on absolute Mianpei Shuai. Then, the existing motor vehicle insurance terms, which is not dangerous does Mian Peilv
1, vehicle insurance losses, a third-party liability insurance, insurance of vehicles in the loss or third party liability, in accordance with the basic provisions of Article 20 of the insurance, the insurance company under the insurance of vehicles driving in the accident in a responsible, in line with compensation The amount specified in the absolute Mian Peishuai: bear full responsibility for the Mianpei 20 percent, bear the main responsibility of Mianpei 15 percent, Mianpei bear equal responsibility of 10%, the negative secondary responsibility Mianpei 5 percent. Unilateral absolute Mian Peilv accident accidents was 20%.
2, vehicle insurance occurred within the scope of liability insurance losses by a third party should be responsible for compensation, is unable to find a third party, the insurance company for compensation, but in line with the provisions of the compensation within 5 percent of the absolute Mianpei Shuai.
Second, the whole Dao Qiangxian car insurance car full of stolen vehicles, robbery, snatch, the criminal investigation by the public security departments above county level file that did not identify the whereabouts of less than three months, according to the basic insurance Article 15, paragraph (a) of the Provisions (all losses: the insurance amount is higher than the actual value to Chuxian at the time of the actual value of the compensation insurance rates equal to or lower than the actual value, calculated according to the amount of insurance compensation) calculated the amount of compensation, and the exercise of 20% of the absolute Mianpei Rate.
3. insurance, automotive goods fell liability insurance, risk loss of spontaneous combustion
Whether the loss of all or part of their losses, each of compensation were implemented 20 percent of the absolute Mianpei Shuai.
Case of a careful look at types of insurance
Mr. Mao complaints reflect: March 2003 he bought an Audi A6, and an insurance company for three years and three months of vehicle insurance and one-time payment of 3.7 million yuan. August 28, 2005, Mr. Mao Birang for pedestrians, reduce speed, accidentally let into a puddle in the road damaged. However, insurance claims rejected.
The results: After friendly consultations, the insurance company full compensation for maintenance costs of 97,415 yuan.
Comments on the industry: the insurance companies handle claims matters, need a variety of certificates and documents, and because of certain aspects of its insurance than consumers in a strong position, so insurance companies will certainly try to find loopholes in the contract rejected claims. Consumers should know when to take out insurance to buy their own insurance, detailed advice of an accident which can be compensated, and what circumstances can not be specified in insurance contracts, the sake of convenience when going through the motions, pay a lot of trouble when The. When insurance companies refused to claim, should consult a qualified professional third party to find the correct solution.
Case 2 paying more attention to the premium
Miss Meng consumers in September 2004 bought a car, then to the automobile dealers to pay the insurance premiums for five years, but the car in July this year after a car accident, Miss Meng is not only that dealers pay five years Insurance, and the dealers as early as the end of surrender in 2004, this request seek Miss Meng said.
The results: mediation, insurance companies continue to perform the contract, the case has been exposed to the public media.
Comments on the industry: Miss Meng at the crux of the problem lies with their own insurance plans you will be full to the vendor. As a fiscal common sense, consumers need with their insurance agents to establish contact, so in the event of an accident can be found in the fastest time for people to help themselves and secondly at the beginning or end of each year and insurance companies should be confirmed whether their insurance agents leave Replacement to ensure smooth communication. Pay the costs to protect their interests, or just give ourselves some trouble.
Vehicle claims should be noted Mian Peilv
The so-called Mianpei Shuai, is not compensable amount and the amount of the loss ratio. Mian Peilv into the relative and absolute Mian Peilv Mian Peilv two, the existing vehicle insurance is based on absolute Mianpei Shuai. Then, the existing motor vehicle insurance terms, which is not dangerous does Mian Peilv
1, vehicle insurance losses, a third-party liability insurance, insurance of vehicles in the loss or third party liability, in accordance with the basic provisions of Article 20 of the insurance, the insurance company under the insurance of vehicles driving in the accident in a responsible, in line with compensation The amount specified in the absolute Mian Peishuai: bear full responsibility for the Mianpei 20 percent, bear the main responsibility of Mianpei 15 percent, Mianpei bear equal responsibility of 10%, the negative secondary responsibility Mianpei 5 percent. Unilateral absolute Mian Peilv accident accidents was 20%.
2, vehicle insurance occurred within the scope of liability insurance losses by a third party should be responsible for compensation, is unable to find a third party, the insurance company for compensation, but in line with the provisions of the compensation within 5 percent of the absolute Mianpei Shuai.
Second, the whole Dao Qiangxian car insurance car full of stolen vehicles, robbery, snatch, the criminal investigation by the public security departments above county level file that did not identify the whereabouts of less than three months, according to the basic insurance Article 15, paragraph (a) of the Provisions (all losses: the insurance amount is higher than the actual value to Chuxian at the time of the actual value of the compensation insurance rates equal to or lower than the actual value, calculated according to the amount of insurance compensation) calculated the amount of compensation, and the exercise of 20% of the absolute Mianpei Rate.
3. insurance, automotive goods fell liability insurance, risk loss of spontaneous combustion
Whether the loss of all or part of their losses, each of compensation were implemented 20 percent of the absolute Mianpei Shuai.
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