Chongqing Tongliang generation woman found from the advertising, there is a large auto insurance is very cheap, so the insurance company insured, but two years later, she found, buy their own so-called cheap insurance traps. An accident insurance company count to two

Generation of women to buy a new car for three years, we only had an accident, but insurance companies into two times, and so spent many not clear premium, which made her very think impassability.

Would rather send gifts do not refund the overcharged premiums

The reporter notices, a similar accident by insurance company counted two complaint is not the case, what is the reason behind this?

The expert points out, the insurance company should refer a simple modification of the application, PICC can easily be data adjustment in the auto insurance background. This is just an ordinary working steps, however, Ping An insurance next practice but let generation woman in any case also think impassability. The Owner generation lady said, staff admit a claim when two calculation is wrong, but he stressed that, refund the overcharged premiums is not possible, will give you two gift as compensation. Generation of women do not agree with the solution of Ping An insurance, insisted in the correct way to calculate premium, insurance and promised to generation lady charge 100 yuan telephone bill, due to the generation of women don't, Ping An insurance and finally to lady Cary scored 100 yuan bank.

Expert comments

In accordance with the terms of insurance premium, if consumers for three consecutive years without loss of words, can enjoy thirty percent off discount, that is to say the consumer behind not be or get out of danger, can enjoy the nearly one thousand yuan preferential benefits, because this information is not modified, so it is difficult to enjoy the one thousand yuan premium discounts, Ping An insurance company to one hundred yuan compensation and related small gifts are not nearly enough to offset the loss to consumers.

The first year of second year higher price low premium

After the second purchase of peaceful telephone car insurance, generation of women also found that, even excluding the impact of premium from the accident, Ping An insurance company gave her the premium calculation cannot understand, because, the first year when she left the people's insurance insurance to peace, her car caustic danger main categories of Ping An insurance is according to 0.86 the coefficient calculation, namely preferential 14%. And when she was second years in Ping An insurance renewal, her insurance discount coefficient is to 0.95, that is to say only offer 5%.

Experts say, the insurance company in the first year by a higher discount, to customers pull back from the other insurance companies. But in second years, and through the lower preferential, from customers who grab more insurance fee. That is to say, Ping An insurance to lower prices for the first year from other insurance companies had a client, but the client to grab a hand immediately after second years to raise the insurance price.

Through expert calculations, two years in vain lady bought insurance amount respectively 7.2% and 14.4% of the new car price, which is not present in vehicle value can never be fulfilled.