In recent years, a new telephone marketing mode -- the telephone car insurance is becoming a hot. The telephone car insurance insurance model is the medium of communication by telephone, so that owners can sit at home insurance, quotation, fill out the policy advice, credit card payment and delivery the policy insurance process, timely to meet the owners do not go out you can insure the demand. For the insurance company, the telephone car insurance in the marketing cost, has a great advantage over traditional mode, so the telephone car insurance not only for convenience, but also better than by traditional way purchase insurance price a lot cheaper (telephone car insurance prices relative to traditional channel low 15%), popular market.
    This new channel through the telephone car insurance, motor vehicle insurance market space is being more open, but the telephone car insurance disadvantages are also increasingly exposed, a lot of the insured that consumers reflect the telephone car insurance there is telephone harassment, marketing misleading, for convenience, inconvenience of claims.
    A, telephone harassment. In our investigation owners Mr Wong told us, since his car insurance after the expiration, by several insurance companies telemarketers to stare at last, take turns to call him and pursued, most one day took 7 marketing staff and the other on the phone, Mr. Huang's personal information be crystal clear, including telephone name, address, license plate number. Therefore, Mr Wong said the telephone car insurance marketing has seriously affected their normal lives, a telephone harassment, he is also very worried about personal information leakage, whether it will affect the normal life and work.
    Two, the telephone marketing are misleading. The survey revealed owners Ms. Chen, she received the telephone marketing insurance, third party liability insurance requirements 500000, marketing staff to offer much lower than normal, so he promised to insurance telephone car insurance, after Ms. Chen found policy marked on the third party liability insurance 300000. Another car advocate Sir in a telephone car insurance specially with the telephone marketing that require the purchase of non deductible insurance, when Mr. Zhang claim when he was told that he buy"Non deductible insurance" is the third party liability and responsibility of the personnel on the car, do not include the loss of vehicles, so the claim will deduct 15% Ling, the original 6400 claims it can compensate for 5440 yuan. At the same time we found in the survey, there are specified outside the province and the division in the telephone car insurance, have a designated driver and other content, while the non deductible can be individually for a product or for all types of content, these different conditions, the prices are different, generally the insured especially bought insurance 1-2 owners to understand the insurance clauses are not very professional, is unlikely to be adept than insurance companies, many will be confused, the telephone marketing will drill this loophole, often used in the offer"Does your car is your own?" "Does your car run long distance?" "Do you need a non deductible?" 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.
    Three, claim service exists shrinkage. In the traditional vehicle service mode, the agent is a very important role. If the claim, a professional insurance agents Valet handle. The telephone car insurance policy holders, which belongs to the direct insurance, all need to take care of their own. In addition, the telephone car insurance is a kind of "focus on sales, the local claims"The ground to air combined insurance. The phone company unified sales of insurance, the insurance policy is assigned to the country, by the local agency to handle a single, payment, claim, and service sectors. That is to say, the telephone car insurance "new", more is in the insurance sectors, follow-up service, claims process basic or rely on the traditional way, which is prone to old process does not match the situation, that is to say even though insurance companies on the telephone car insurance claims service made various commitments, even promised to launch some ratio the traditional insurance more considerate service measures, such as "insurance consultants guide", "free to send a single door", "fast claims", "100% service" return "insurance Butler" exclusive service. But these services from promise to deliver, it will shrink phenomenon in different degrees, so people often complain about the insurance telephone car insurance"The insured convenient, claims the inconvenience".
    The business sector, the insured in the purchase of telephone car insurance, to understand the different company rules for future claims procedures and location of future claims, whether can achieve the commitment contents at the outset, decides again, do not be greedy small cheap. The insurance company as the telephone car insurance as a new service mode, the existing problems, is the need of continuous innovation to solve and improve, especially the follow-up process and new sales channels to match under the time, better suited to launch the new channel of the insured's claim process, in order to attract more consumers, in the big telephone car insurance market at the same time, to promote the overall auto market profit mode upgrade, make insurance service into a new era.

                  [Author: Lou Verna source: Yinzhou Business Bureau Web site update time: 2010-5-28)