Hard To Buy "LV": Embarrassment Of Online Shopping Luxuries

Nowadays, buying a car online is no longer a novelty. Luxury goods It has become a popular choice for many consumers. However, many consumers complain that tens of thousands of famous brand express companies are reluctant to take orders, while the uninsured items appear repeatedly.

Many express companies said "very helpless", many consumers are not used to the insured price, and for cost and risk factors considerations, the company also had to protect the price of the express price limit.

On the other hand, the insurance business related to express logistics is still in its infancy. For the Guangzhou market, only a handful of property companies have related businesses.

Yesterday, a Taobao seller who bought 3 years of professional luxury shopping told reporters that since he was doing Taobao, he occasionally met buyers and asked him, "is my Hermes express safe?" "will the courier be able to transfer the package? What if I lose it?"

For the safety of express luxury goods, though many Courier Services Company The insurance price is guaranteed, but some sellers say that they are not afraid of no buyers. Most buyers are afraid that they will not receive the goods. However, few customers will choose to protect the price, because all the logistics will need to pay part of the insured cost. Taking the one hundred thousand yuan bag as an example, one percent of the insurance fee is 1000 yuan, the cost is not low, so few people will protect the price.

In order to ensure the safety of the luxury goods of the customers, there is an invitation to the customer to pick up the goods and take the cost of the travel and lodging of the customers. It has also been reported that the price of the best hotels is about 5000 yuan, which is even cheaper than that of the express company, and the user experience is good. A luxury website official said.

The risk of these uninsured luxury goods is also self-evident. In recent years, there are frequent problems such as "iPhone bricks" and so on, and about one hundred thousand of goods may ultimately be paid hundreds of dollars.

It is understood that, in order to prevent the emergence of such problems as delivery and collision, and ensure the safety and distribution speed, some luxury electric providers not only purchased insurance, but also put labels on them one by one when goods were put into storage. In order to do well in the last mile service, e-commerce enterprises began to build their own logistics channels.

Yesterday, reporters interviewed a number of people in the industry, the industry is currently facing the problem is that expensive goods express companies do not want to receive orders, cheap items consumers are unwilling to protect the price. A Taobao seller told reporters that the average consumer price of online shopping is within a few hundred dollars, and few sellers will be insured, while for some goods with higher total price, the express company is recommending sellers to send separately.

　 It is not easy to send insured goods.

Yesterday, a courier company's marketing department revealed that the distribution of insured goods needs more manpower and distribution costs than ordinary express. For some special valuable insurance express, the company will distinguish it from a special label and operate it through a separate counter. Other express goods, even some large customers, are the same way as ordinary express.

According to the general rules of the industry, the insured amount is stated by the sender, the express company charges the insurance premium according to the insured rate. After the biological damage, the courier company makes the compensation according to the declared price, and loses the 3~5 value of the uninsured articles in general.

In fact, even if the consumer is willing to pay the full premium, the express company is not "just to collect". Yesterday, micro-blog (express), a sales department official told reporters, because its site size is not large, generally do not receive more than 10 thousand yuan express, "some bags, watches and other luxury goods, we have no conditions to identify its value, and once the problem arises, the delivery company risk is too high."

According to the reporter's understanding, many express companies have launched a price protection system for valuables. The average value of SF EXPRESS express is not more than 50 thousand yuan, while the premium is 5/1000 of the customer's declared value. Many other express companies are more than 1~3 yuan, and the premium is 1%~3%. If the price of luxury websites and consumers exceeds the "tolerance" of the express company, they can only be insured with the insurance company.

　　 Related insurance business is still blank.

Insiders said that the introduction of third party insurance into the courier process may solve the conflict between the express company and the sender. However, reporters understand that at present, insurance companies in the logistics and delivery business is still a blank. In terms of the Guangzhou market, only a handful of property companies have related businesses, and many foreign insurance companies do not even set foot in this business. A senior insurance industry admitted to reporters, "the express market fish eyes mixed, facing such a chaotic market, the insurance company itself is also very risky, dare not underwrite this business."

　　 PICC Property Insurance People said that the insured amount of such cargo insurance is based on the actual value of the goods, and can be added to less than 10% as freight and other additional expenses, while the net premium rate is about 0.04%. Take a 300 thousand yuan famous brand bag by air, for example, from Beijing to Guangzhou, the insured amount can reach up to 330 thousand yuan, while the premium paid by the customer is 120 yuan.

At the same time, experts remind that cargo insurance need to be clear value goods, luxury goods must have shopping invoices to prove value, and insurance companies sometimes assess whether the insured has moral hazard. In addition, the insurance company will not be liable for damages arising from the defects or natural losses of the insured goods and the loss caused by the defective packing or the shipper's failure to comply with the rules of carriage of goods.