Payment policy of real-name registration system for auto insurance

1. What does the real-name registration system mean?

The real-name registration system of auto insurance means that when the owner buys and insures auto insurance, the auto insurance company and the insurance intermediary agency request to check the information of the payment account to ensure the authenticity of the information and ensure that the information of the payment account is consistent with that of the insured owner. In order to facilitate the majority of car owners to apply for insurance, the real-name authentication of car insurance policyholders can be carried out through WeChat, Alipay, bank cards, etc., and car owners can choose by themselves.

Second, does real-name registration system affect the premium price?

The implementation of the real-name registration system of auto insurance will not affect the auto insurance price, and the auto insurance premium will not increase, so the majority of car owners need not worry.

The implementation of this policy is conducive to urging property insurance companies, insurance intermediaries and insurance business personnel to fulfill their obligation to explain insurance products as required, thus improving the service level of auto insurance, safeguarding consumers' right to choose and protecting the legitimate rights and interests of insurance consumers.

Third, the fare real-name registration system registration matters needing attention

1, it is forbidden for insurance companies to advance insurance premiums.

When collecting auto insurance premiums, property insurance companies must check the authenticity of the insured's payment account information to ensure that the payment account information is consistent with the owner's information. At the same time, when issuing the insurance policy, the insurance company will verify the authenticity of the telephone number of the family car customer whose applicant or insured is a natural person by sending a verification code to the insured's mobile phone.

It is strictly forbidden for insurance companies, insurance intermediaries, third-party institutions and individuals to advance the insurance premiums payable by the insured in various forms in violation of regulations.

2. Changes in specific insurance methods

(1). Insure private cars in your own name.

Private car insurance can be paid by UnionPay card, WeChat and Alipay (subject to the payment methods actually opened by insurance companies). If you use UnionPay cards and third-party payment, make sure your account is used. For consumers who want to pay by cash or personal online banking transfer, insurance companies and insurance intermediaries should actively guide consumers to the property insurance company's own business premises to record and video the sales process.

(2) Enterprises and institutions insure their vehicles.

Enterprises and institutions should use enterprise accounts or bank notes to pay the premium of vehicle insurance.

3. Insurance companies shall not disclose real-name information without authorization.

An insurance company shall follow the principle of "clear responsibility, reasonable authorization, standardized process and combination of management and technology" when auditing accounts, and shall not provide real-name information to other units and individuals other than the parties to the insurance transaction without the consent of the customer.

4. In some cases, the insurance process needs "double record".

In the following cases, consumers need to go to the insurance company's own business premises to record and video the sales process:

(1) The consumer pays the premium by cash or personal online banking transfer;

(2) The applicant is inconsistent with the owner and cannot provide relevant certification materials;

(3) The applicant is a non-natural person and is inconsistent with the payer and cannot provide relevant certification materials;

(4) The applicant's certificate type is non-ID, which does not contain valid information of ID number.