For the telephone car insurance, car owners have already no longer unfamiliar, but with the popularization of telephone car insurance business, which has been found to bring favorable remaining, but also add a lot of troubles to you.

Present situationEntangled with the owners

To work in the media, Mr. Chen, in September this year, due to the continued his car. Not to renew the days, he has two consecutive months by insurance companies "harassment" must be pestered beyond endurance, now, as long as a look like the insurance company customer service phone, he hurriedly hang up. "I really don't want to say too much, I am afraid the electric pin (telephone car insurance), even want to buy, do not want to buy these to call me every day."

In addition to some insurance company salesman one and again, again and three dozen telephone customers, or no time occasions a customer calls, more the salesman from what channel illegal access to consumer information, and then call for auto sales, for consumers is a kind of harassment.

Insiders said, "strange promotion phone, kept playing, not only can not achieve the sales, on the image of the insurance company instead of a damage. The insurance company cannot rely on the expansion of the scale, the outbound call agents increase quantity competition, should rely on to enhance the visibility, improve the service quality of company of the company, to attract and retain more customers."

　　The problem

Not only the price of the unknown clause

Because the provisions of Supervision Department of compulsory insurance, according to whether the floating out last year and accident of premium down, so the telephone car insurance savings is the insurance of commercial insurance, it preferential ratio of price after discount 15% insurance.

   According to Mr. Chen, an industry source, however, the unified insurance clause is divided into A, B, C three, insurance companies will choose according to their own needs, the contents of these three clauses are different, the determination of liability is different.

"For example, a car in the car when reversing, put the car into a pit, if you select A clauses in insurance companies can claim, but if the choice is the terms of the B company, this accident is not to make compensation." For instance, the anti-theft system is not good brand cars, some insurance companies will not pilfer to this kind of car sales. The people do not just look at the price of owner, should study carefully the relevant provisions, so as not to buy insurance when they encounter problems was twelve.

At the same time, but also pay attention to the electric marketing personnel in the insurance, mislead possible sales.

For example, some just bought a two car owners of insurance clauses are not very understanding, once the electric pin personnel "in the offer does your car is your own?" "Does your car run long distance?" "Do you need a non deductible?" Such misleading language, or ready to accept either course of interpretation, reported a seemingly very preferential price, not knowledgeable owners suddenly look not to come out, that is the simple cheap price, only to find out in the future claims occur not in the claim or claims on other disputes.

　　Contrast

Insurance service difference

Electric pin insurance except in the initial purchase should pay attention to some terms, for the latter part of the claim, the consumer also complained about it.

Ms. Wang insurance has been in the 4S store to buy, "before the car several times because of insurance, insurance is in the 4S store to buy insurance, insurance, insurance check, repair, exploration, check, insurance reimbursement, so much, go to the 4S store to get, not between the insurance company repair shop running back and forth, insurance companies, and very broken."

During the interview, some common problems of auto insurance refused to phone owners reflect is, "there is no difference in the amount of compensation, but in the service, still have differences."

In this regard, Mr. Chen said the industry, car insurance, car insurance through the phone call, may not be as and insurance salesman "face to face" more fully in communication, while the telephone car insurance agents in explanation and guidance may be more standard, but it is likely to leave a less detailed feeling.

At the same time, the traditional insurance claim links, the familiar clerk for help or guidance, may be more convenient; and the telephone car insurance only by the insurance company phone to ask for help, the lack of a representative of this intermediate links, also will not direct the professional services, the customer if the insurance process does not understand, familiar with the claims process does not, may feel it more cumbersome.

In this regard, many owners think that,Electric pin insurance although pre spend less money, but the latter may waste time, energy, will cost more, find familiar insurance agent in the 4S store or purchase insurance is not.