Car insurance low price competition of network PIN pin hidden trap official channels more secure

Wen Ding Bing in insurance telephone car insurance, net sales of car insurance hot promotions, more and more owners are beginning to use these new channels to purchase car insurance. But the owner must be vigilant, by phone, Web channels to purchase automobile insurance, through the official channels as far as possible, do not blindly seeking cheaper premiums slightly careless will fall into the trap, vehicle insurance claims. Low price policy car insurance May expire at the end of the hidden traps, Dr, after a month he began all kinds of motor insurance sales message, "these text messages are private cell phone number, and I cover the company's internal staff until it should be, because they can be clearly calculated that I should pay premiums amount this year. "Mr Yang describes," the message said that if I purchase phones through their car insurance, discounts on the existing basis. "Recommended reading insurance weekly: increased warehouse investment over 30,000,000,004 months insurance funded deposits moved near billions of cast even insurance May then case Waterloo income differentiation country life cast even insurance success escape top 5 name foreign executives joined China peace Qian May Beijing insurance intermediary was penalty million history with shares mass insurance holding 20% Qiming: shocks city in the how mining Daniel unit after doubled inquiry, Dr Mr calculation has about, if by 4S shop purchase insurance required 3,900 Yuan, by phone direct purchase insurance required 3,500 Yuan, and so-called" internal persons "of quote is just 3,200 Yuan, even some SMS of quote than 3,000 yuan also low. Is the same car insurance, the price difference is so great, Mr Yang really wonder. Care of Mr Yang and quickly ask a knowledgeable friend, to recognize some road. That super low price insurance quote, is likely to be disappointed in the insurance contract. People in the industry, sales of some insurance companies often use information asymmetry, in the case of owners don't know, included in the motor insurance contracts such as "designated driver", "specified region" and other special provisions, to achieve the effect of reduced insurance premiums in disguise. Meaning of these terms refers to the owner, respectively the insured vehicle insurance to specify 1 or 2 pilots, and obtain the appropriate rate discount agreement insurance of vehicle owners and insurance companies, obtain the appropriate rate discount. Once an accident, for example by Mr Yang, only Mr Yang person driving a vehicle, insurance accident that occurred in Beijing and the city, insurance companies will be in a 100% loss was granted for payment. If Mr YEUNG vehicles lend people or accident occurs outside the city in Beijing, Mr YEUNG will assume part of the accident loss. Official channels more insurance safety net pin leaving out the middle of the agents, because trading links, significantly reduce the cost of insurance companies, Internet insurance cost cheaper than General Agent channel. But in the process of online shopping, insured persons must remove the scales from one's eyes, avoid purchasing insurance through unofficial finds network channels, so as to avoid the trap of phishing sites; avoid simple seek cheaper channels to purchase insurance through the insurance agent's network, so as not to suffer sales misleading. In terms of net sales channel that the insured person apart from outside the insurance company on the official website of the insured, ping (601,318, unit), Sun life, huatai insurance, Taikang, anbang insurance several insurance companies have settled in Taobao, ctrip and other sites for insurance sales. Policy holders in the choice of insurance products, not to price as the sole selection criteria, be sure to select the normal insurance company's official website, official insurance hotline and agent authorized or official website, so as to avoid the trap of phishing sites. Second, buying insurance on the Internet, it is recommended that read the insurance terms. After you receive the policy, consumers should immediately by insurance company announcement service and portal, query policies if a real and effective. See if there are policy, type name, the policy in force, time, duration of insurance, the insurance amount, name and ID number of the insured and other critical content, look at insurance company name, view the seal of the policy is clear, is printed with the company's customer service and policy query. And purchase phone car insurance Shi, owners in received phone or SMS Shi to note calls number, General Casualty Company are has unified of exclusive customer hotline, to "955", and "400" for beginning; note recognition policy Shang of special words, formal of phone sales policy Shang should have "XX company phone marketing dedicated motor vehicle car policy", similar words, also will identifies phone car insurance of sales phone; can call insurance company of customer hotline or to insurance company of website for independent query, understanding policy of situation.