Since the2007Years, Chinese peace licences China first telephone car insurance, after a large-scale operation to bring huge profits, the rest of the insurance company to this fat is a pocket, so, in the property insurance market, insurance, Pacific Ocean, land, people, balance, sunlight and other insurance companies have the telephone car insurance qualifications, according to the latest understanding, the China Insurance Regulatory Commission has completed the approval of Huatai Insurance, telephone marketing insurance clause and premium rate for now, to manage the telephone car insurance business insurance company expansion to12Home.

    The telephone car insurance was born in these three years, not only the development momentum hot, and many owners favor. Then the telephone car insurance will really be the pink of perfection of the? Don't forget that there is no perfect thing, telephone car insurance has long board where it is and the short board.

   The first telephone car insurance obvious advantages in the performance of:

A cheap

Car discount rate has been the concern of the owners, this is where the telephone car insurance advantage, because the country CIRC provisions, telephone car insurance at7Based on the discount to break, can lower rates15%Telephone car insurance, and the insurance company, as the complete separation of the agency cost, insurance companies in profits15%On the basis, can still profit, which is the insurance company to promote an important reason for telephone car insurance.

Two, price transparency, openness

Because the telephone car insurance is centralized operation way, offer a unified standard, so the owner can enjoy fair, transparent price system.

Three, for the convenience of

According to the insurance company, the owners if the need to purchase insurance through the telephone marketing way, just call the relevant insurance company call center system, insurance information will enter the insured area institutions, then the telephone car insurance sales center staff can according to requirements of the owner to offer, if the owners decided against, local insurance the company will sent home provides policy, and through cash payment or mobilePOSPayment card, premium into account will be door-to-door delivery policy.

The process of direct selling business phone, both to pay insurance information, audit, or payment, is the door by the insurance company for customer service, remain within doors can apply for. So, the telephone car insurance the biggest advantage is convenient, time-saving. This is the main reason of sales mode more and more recognized by consumers.

Also, there are many drawbacks of the telephone car insurance:

A policy matters, daily, claims need to apply in person

When using the phone insurance, some daily policy matters, after accident claims and other things, require owners to handle. In view of the drawbacks of many companies also launched a targeted services, such as the telephone Car Insurance launched a series of value-added services, including "the claim information", can save a lot of trouble the owner claims.

Two, easy to cause the telephone car insurance fraud

It is understood, by telephone car insurance re insurance, insurance companies do not need all the information owners to provide a vehicle, need only provide the owner's identity card number, vehicle number plate and frame number, can re insurance.

Since the telephone auto insurance There are both advantages and disadvantages., so the owner if the telephone car insurance must be on alternative telephone car insurance to study, such as loss rate ah, compensation period, customer service reputation, make a decision about it in.

    There are news can provide a good reference for the friends: "Guangdong Provincial Bureau of the CIRC to5Month27Of insurance service are temporarily checks,Through virtual report way check all the insurance companies of automobile insurance survey to aging,The Ming An insurance Zhongshan branch survey personnel rapid reaction,From the police arrived at the scene only to use8Divided40Seconds,Being tested in the present time18The first property insurance company ".

    Mention of the Ming An insurance you may not be familiar with, it is a fine Service Corporation funded background, a solid reputation, work steadily in the market, especially the service is in place, the bank card online payment,POSMachine door fee,48Hours free of the policy to the hands of customers, the service is considerate.

      In the city this year will examine the Tianjin Construction examination and disclosure of data and system, double out100The excellent results, and is the only access to a two out of the insurance subject insurance company.