Telephone Insurance Not Only Covet The Price &Nbsp; See Two Hidden Traps.

According to the provisions of the CIRC,

At present, not all insurance companies have obtained direct sales license.

With more and more property insurance companies gaining the qualification of telephone and network marketing, a new round of price competition starts in the emerging channels. The seemingly pparent insurance channel of vehicle insurance appears to be a trap of low price.

So, consumers can't look only at cheap prices and ignore the deep traps.

Trap a specified clause

Miss Shen just insured an insurance policy through an insurance company a few days ago. After receiving the policy, she found that besides the compulsory insurance, vehicle damage insurance and three liability insurance, there were two clauses on the policy that she was unfamiliar with and did not know beforehand: designated drivers and designated driving areas.

It is understood that the "designated driver" refers to vehicle owners may specify 1 or 2 drivers when they are insured, and get the corresponding rate premium.

"Designated driving area" means that the vehicle owner and the insurance company agree on the driving area of the insurance vehicle so as to achieve the purpose of reducing the premium.

According to the number of drivers, age and the size of the driving area, the owners can get 5% to 10% discount rates.

"When I was buying insurance, the staff of the wiring didn't tell me the situation, so that if I lent the car to someone else or had an accident outside the designated area, I would probably not get the compensation."

Miss Shen is a bit confused.

According to the insurance company, because some special terms are not restricted by the 30 percent off order of the auto insurance department, the policy of matching the terms is often cheaper than the ordinary policy.

Some insurance company salesmen often use information asymmetry, in the car owners do not know the situation, in the car insurance contract to join the designated driver, designated driving area and other special provisions, in order to achieve the effect of reducing the insurance premium in disguised form.

But for car owners, such an agreement is equivalent to restrictions, which will be given to the future.

Trap two the amount of money paid is changed.

If the policy stipulates the "designated driver" in the policy, if the information of the designated driver's information is not true when the driver is driving by a non designated driver or the information provided by the insured is untrue, the insurance company shall have the right to pay 10% of the compensation for each accident on the basis of the total compensation.

As a matter of fact, an insurance company must fulfil its obligations when making special clauses. The insurance documents must be signed or sealed by the insured or the insured. Only in this way can the requirements of maintaining the seriousness of the insurance contract be maintained and the legitimate interests of the insured be maintained.

But telephone insurance can not do this completely, because in the whole process of telephone insurance, consumers first indicate insurance intention to the insurance company through a special telephone. In general, the second day staff will come to collect the money and prove the material, and send the insurance policy to the consumer one day later.

This system of "seeing fees and issuing bills" provides convenience for individual insurance companies to mislead customers.

So consumers have already paid the premium before they get the policy.

If you choose to surrender or reinsurance, you need to take some losses.