Taobao's Return Insurance Is Not Safe. Caution Should Be Taken In Online Shopping.

< p > "return freight cost 10 yuan, return insurance only 8 yuan." Eventually I have to pay 2 yuan from my own pocket. Yesterday, Miss Chen, who lives in Yuexiu District, told reporters, "near the end of the year, we are going to buy a batch of online shopping" a href= "http://www.91se91.com/news/index_c.asp" > winter dress < /a >. After arriving, we found that the size of the clothes was not suitable. Fortunately, we had bought a return freight insurance and could not refund the goods without money. As a result, after spending 2.2 yuan on premiums, we had to add an additional freight rate of two yuan. " < /p >
< p > reporters understand that the return freight insurance has been evaluated by the majority of netizens just after the launch, which can effectively reduce the risk of online shopping. The industry said, "because only a few cents or one or two yuan premium, you can get several yuan or more than ten yuan of freight compensation." Data show that last year's "double eleven" period, the return risk is created a daily insurance volume exceeding 150 million records. With the surge in insurance coverage, many consumers begin to complain about the poor service of claims, the difference between the amount of compensation and the actual freight rate. < /p >
< p > < strong > doubt 1: < /strong > < /p >
< p > < strong > why the farther the road is, the lower the premium is? < /strong > < /p >
"Miss P", "Miss online shopping" reflects: "sellers in Guangzhou, 8 yuan of freight costs 2.2 yuan premiums; a shop selling shoes in Shanghai, 9 yuan shipping cost only 1.2 yuan premium? Is the farther the road premium, the cheaper?" < /p >
< p > the reporter saw on the online shopping page of Miss Xia that the shop was tagging the shop address in Shanghai. On the settlement page, it was shown that the purchase of freight return insurance could be reimburse 9 yuan, the premium was 1.2 yuan, while in another shop shop in Guangzhou, the page of the clothing shop showed: "the refund can be paid 8 yuan, the premium is 2.2 yuan". < /p >
< p > Miss Xia pointed out that "on the payment and settlement page, the system will automatically generate the freight claim amount according to the delivery address entered by the seller's location and buyer." Reporters found that the same is sent to Guangzhou's goods, the seller's return payment in Shanghai is 9 yuan, if the seller is in Guangzhou, it shows that the return payment is 8 yuan. "In fact, the system generates the lowest freight rates in both places, so they often need to pay extra freight charges themselves." < /p >
< p > < strong > explanation: < /strong > < /p >.
< p > < strong > premium is determined by commodity and account credit level < /strong > < /p >.
< p > insurance company customer service personnel explained that the insured amount of the return insurance is automatically calculated by the system, which is the lowest first heavy freight for the same route, with a maximum compensation of 25 yuan. < /p >
< p > "in fact, the premium for return insurance is determined according to the credit classification of goods and the credit of personal accounts. If the goods of a shop belong to high-risk goods, the return rate will be higher, and the return risk will be more expensive. Therefore, even if the net shop is near, the premium will not be cheaper. < /p >
< p > < strong > doubt two: < /strong > < /p >.
< p > < strong > return insurance can not be bought if you want to buy it. < /strong > < /p >
< p > "Taobao cancelled my return risk, saying that my return rate is too high." Recently, some netizens complained on micro-blog, "the same product, others can choose the return freight insurance option when purchasing settlement, but I can not choose it. After several recent refunds, I have identified myself as a "blacklist" of Taobao's return policy. < /p >
< p > reporters found that although many online shopping people do not consciously attach a "return freight insurance" when buying online, many netizens can not buy it when they want to buy a return risk. < /p >
< p > netizen pinky said that even if a new account was registered, it would still be impossible to purchase a freight refund insurance in some stores. A shop salesperson said, "as a shop owner, buyers are willing to buy back freight insurance, which is an insurance company and a buyer's own business, but if buyers buy a refund risk, they will be uncontrollable when returning the goods, and also worry that the return rate will be affected." < /p >
< p > < strong > explanation: < /strong > < /p >.
< p > < strong > buyer return rate is too high not to buy a href= "http://www.91se91.com/news/index_c.asp" > return risk < /a > /strong > /p >
< p > a shop owner said that if a person returns more than a certain amount on the online shopping platform, the insurance company will block his personal account for a period of time, and will not allow him to purchase insurance for returning freight. Insurance company customer service said that every time the settlement was paid, the system would evaluate the transaction. The evaluation factors included account credit information and commodity credit information. Insurance companies will decide whether to underwrite based on the assessment and settlement. "If the system fails to pass the credit audit, it will not be able to underwrite the transaction." < /p >
< p > < strong > doubt three: < /strong > < /p >.
< p > < strong > several yuan claims why toss for more than ten days? < /strong > /p >
< p > "fill in the wrong" a href= "http://www.91se91.com/news/index_c.asp" > Logistics single number < /a >, how can we claim the refund insurance? "The reporter found that many netizens on micro-blog" Tucao "return insurance is easy to claim insurance. < /p >
< p > according to media reports, some netizens wanted to return online shopping in December last year. After the return of the goods, a claim application is made. Because the claim information has not passed the system audit, the customer service personnel of the insurance company replied that they needed to provide real name, identity card number and identity card. < /p >
< p > < strong > explanation: < /strong > < /p >.
< p > < strong > return goods should fill in the correct logistics single number < /strong > < /p >.
< p > customer service personnel remind that buyers need to fill in the correct logistics single number, otherwise they will not be able to claim compensation; the refund of the goods returned at the end of the transaction is within the scope of the freight insurance claim; however, the refund of the rebates initiated by the after sale rights is not within the scope of the claim for freight insurance. < /p >
< p > < strong > analysis: < /strong > < /p >.
< p > < strong > operation for three years. It is difficult to conceal the loss dilemma. < /strong > < /p >
< p > however, since the insurance companies have launched the return freight insurance in the < a href= "http://www.91se91.com/news/index_c.asp" > the electronic business platform < /a >, the compensation rate for the return insurance has been very high, and the direct compensation rate is about 93%, so the insurance has been in a state of deficit, and it only lost 14 million yuan in 2012 alone. And buyers' "adverse selection" and "professional retreat" have become one of the reasons that affect returns. < /p >
< p > professionals pointed out that "adverse selection" means that buyers have a great probability to return products when placing orders, which will lead to an increase in odds. The "professional withdrawal" refers to the buyer who uses the risk of loopholes to earn money through return. < /p >