The difference between telephone auto insurance and ordinary auto insurance (auto insurance list price 2022)

The difference between telephone auto insurance and ordinary auto insurance

The biggest difference between telephone auto insurance and ordinary auto insurance is the different rates.

According to the regulations of the China Insurance Regulatory Commission, companies with direct telephone insurance licenses require centralized management and unified operation of telephone insurance sales, and their quotations can be lowered by 15% under the national minimum discount.

1. Different insurance methods: Telephone auto insurance directly contacts customers in the name of the insurance company, and completes the publicity, consultation, quotation and policy conditions confirmation of insurance products. After the two parties confirm the transaction, the delivery personnel will meet at the specified time.

Occasionally delivered to the door, the owner can pay by credit card immediately after verifying the policy; Ordinary auto insurance requires the owner to personally go to the counter of the insurance company to handle the auto insurance business. From the counter to the introduction, the owner needs a lot of money.

It takes a lot of time and energy.

2. Different premium discounts: Telephone auto insurance does not need an intermediary link, which saves a lot of intermediary commission fees and directly returns these intermediary fees to consumers in the form of discounts, so car owners apply for insurance through telephone auto insurance channels.

Often the premium is more favorable; Ordinary auto insurance adopts the mode of "insurance company-intermediary agent-owner", which takes a lot of time, manpower and strength, and the premium will be higher.

3. The service of late claims is different: although telephone auto insurance is more convenient, it is often easy to find the relevant person in charge when making claims later; Although the insurance cost of ordinary auto insurance is relatively high, when the owner encounters an accident in the later driving life, there will be a special claimant to dock, which will make the claim more simple and convenient.

Extended data

At present, auto insurance mainly includes compulsory insurance and commercial insurance.

Compulsory traffic insurance is a kind of insurance that car owners must take out, including material losses and personal injuries. Compulsory insurance is the first compulsory insurance system implemented by national laws in China. Its premium is subject to a unified national charging standard, which shall be uniformly stipulated by the state. It is compulsory liability insurance for insurance companies to compensate victims of road traffic accidents caused by insured motor vehicles within the limits of liability.

Automobile insurance schedule 2022 price

2022 auto insurance quotation list: compulsory insurance: the first year: 5 950 yuan seats, 6-8 seats, 1 100 yuan; Second year: 5 seats, 855 yuan; 6-8 990 yuan Block, third year: 5 760 yuan Block, 6-8 880 yuan Block, fourth year: 5 seats, 665 yuan; And 770 yuan Block 6-8, the fifth year: 5 seats, 665 yuan.

Do you still dare to buy telephone insurance?

You can buy it, but you need to be careful Telephone auto insurance is a kind of telephone marketing insurance business, which takes telephone as the main communication mode, and completes the main marketing processes such as insurance product promotion, consultation, quotation and policy condition confirmation through the special telephone marketing number of insurance company by means of Internet, fax, SMS, mail and express delivery. Because telephone auto insurance saves the intermediate link and greatly reduces the intermediate cost, "telephone auto insurance" business is gradually favored by more and more car owners because of its unique price and convenience advantages. As a result, some lawless elements began to play the idea of "telephone auto insurance".

Such criminal activities have the following characteristics:

First, criminals operate remotely and commit crimes across provinces, which is not easy to be found. Criminals usually use arbitrary number display software to set up "020-955 12" customer service phone, which is confusing and difficult to be found. Once the car owner agrees to buy telephone auto insurance, the criminals will provide the car owner with a bank account number to trick the car owner into transferring money and remittance, but they will never show up from beginning to end, which will bring difficulties to the crackdown.

Second, fake telephone insurance has great lag and concealment, and it is not easy to be found in time. Car owners generally don't find themselves cheated immediately after buying a false telephone auto insurance policy. They didn't know they had been cheated until the accident claims were not guaranteed. Even some car owners have never had an accident during the validity period of the policy and have been kept in the dark from beginning to end.

The third is to cheat with the promise of low premium and other preferential conditions. Criminals usually promise to buy the car insurance advertised by them, and not only can they get a 30% discount, but they can also reduce 10% to 15%. Some car owners are easily impressed by these offers for the sake of cheap prices, and when there is an accident claim, they will find themselves cheated and not guaranteed.

Fourth, criminals use the unfamiliar characteristics of car owners to cheat. Telephone auto insurance is still a new thing. Most car owners are familiar with the traditional auto insurance methods, but they still don't know the contact information, payment methods and payment methods of telephone auto insurance. Therefore, criminals pretend to be insurance company sales staff and use the "cottage" phone number to contact the owner actively, thus implementing fraud.

Ten auto insurance companies with the worst reputation 202 1

Among the ten worst auto insurance companies in China, there are ten auto insurance companies with the most complaints at present, which are China Life Insurance, China Ping An Life Insurance Company of China Life Insurance, Anbang Life Insurance, Pacific Life Insurance, China Life Insurance, Taiping Life Insurance, Taikang Life Insurance, China Life Insurance and Xinhua Life Insurance in turn. These are the ten insurance companies with the most complaints about auto insurance, and most of the complaints indicate that the reputation of auto insurance is not very good.

The number of complaints does not represent the quality of insurance products, because insurance claims will encounter various problems in the implementation process. On the other hand, more complaints mean more customers, so it is most important to buy auto insurance or choose an insurance company according to auto insurance.

The number of complaints does not represent the quality of insurance products, because insurance claims will encounter various problems in the implementation process. On the other hand, more complaints mean more customers, so it is most important to buy auto insurance or choose an insurance company according to auto insurance.

The number of complaints does not represent the quality of insurance products, because insurance claims will encounter various problems in the implementation process. On the other hand, more complaints mean more customers, so it is most important to buy auto insurance or choose an insurance company according to auto insurance. The number of complaints does not represent the quality of insurance products, because insurance claims will encounter various problems in the implementation process. On the other hand, more complaints mean more customers, so it is most important to buy auto insurance or choose an insurance company according to auto insurance.