Phone car insurance generous turned do not fight price fight service

In the previous two years, the telephone car insurance that was questioned by the consumers because of telephone nuisances and non-standard delivery services was finally turned around in 2010. The reporter learned from the Zhejiang Insurance Regulatory Bureau that last year the provincial phone insurance premium income of 300 million yuan, accounting for 2.5% of the province's auto insurance premiums; and this year only half a year to do this scale.

“In the near future, electric sales will become one of the important channels for decentralized customers to purchase auto insurance,” said a person in the industry.

Phone car insurance market seductive

Each company wants a share

As the earliest start-up insurance company, Ping An’s property insurance, which received a license in 2007, tasted the sweetness of the phone insurance business. Ping An Group disclosed that in 2009, the company's telephone insurance coverage for the year reached 4.25 billion yuan, accounting for 14.4% of the total insurance premium sales. Ma Xiaojun, general manager of the new channel of the Ping'an Property & Casualty Insurance Zhejiang Branch, told reporters that as of August 17th, approximately 15,000 car owners purchased the company's phone car insurance this year, and the number of insurance applicants has tripled over the same period last year.

The rapid momentum of the safe phone auto insurance business has obviously attracted the attention of its peers. In February last year, PICC P&C Insurance Corporation established a sales center in Beijing. In January of this year, PICC P&C Insurance Zhejiang Branch also began to enter the telephone insurance market. In the first half of the year, it spread its business to all of Lishui's outside Divisional company.

According to reports, in addition to Ping An and PICC, other domestic property insurers also joined the team that competed for electric sales licenses. Taibao, Dadi, Tianping, Anbang, Bohai, Min'an, Huatai, Sunshine, Bank of China, and China Life Insurance have all succeeded one after another. It is reported that among the 12 companies that have already obtained electric licenses, except for BOC Insurance, other companies have already started the electric sales business in our province, and Anbang has even set the electric sales center in Hangzhou.

According to industry analysts, in some developed countries, the proportion of personal auto insurance customers through electronic insurance is around 20%, while in our province this proportion is only around 2.5%. There is still much room for development in the market.

Convenient and affordable capture of consumers

Product and warranty only

Although once saddled with the "bad reputation" that the telephone harassed people and the service was not standardized, the telephone car insurance nevertheless captures consumers' hearts with its convenience and benefits.

"Purchasing phone insurance is equivalent to getting the 'ex-factory price' of motor insurance." Ma Xiaojun described the phone insurance with a price advantage.

It is understood that telephone insurance is a "direct sales" model, in which the insurance company's sales agents contact the insured directly, the operating costs are relatively low, and the intermediary agency commission is eliminated. Therefore, the benchmark price is generally higher than that of traditional channels. The product should be low. However, there is no difference between the two on discounted discounts.

In general, insured phone insurance is roughly divided into three steps: the customer's inbound call to achieve the intention of insurance - the insurance company to send orders for the first time to send orders (insured bills, premium notices, etc.), face-to-face communication on customer questions, The client will receive a premium after signing the confirmation - the sender will send the bill for the second time (formal policy) to complete the insurance. Throughout the process, consumers can stay at home.

In addition, telephone insurance products and policies are dedicated. Consumers can take note of the policy after they get the policy. Is there a "electricity-only" word on the policy?

No better than price service

Intending to compete for quality customers

Telephone insurance prices are more favorable than traditional products. Will subsequent services be "discounted"? "Of course not." Ma Xiaojun said with certainty: "There is almost no difference in the price of telephone insurance products sold by various companies. Therefore, we can only rely on services to impress customers."

Ma Xiaojun introduced that in peace, telephone insurance customers can also enjoy the "safety auto insurance, below 10,000 yuan, complete information, one day pay" claims and other services. While enjoying the traditional auto insurance service, you can also enjoy the special services of electric customers. For example, for quality customers, such as the annual inspection, which in the traditional auto insurance, only VIP customers can enjoy.

The reporter learned from the Customer Service Management Department of PICC P&C Zhejiang Branch that before October of this year, PICC P&C Insurance Corporation will add two electrical sub-centers in Xuanwu District of Beijing and Foshan, Guangdong Province. By then, telephone insurance efficiency will be improved. Greatly improve. With network resources throughout the province and superior compensation capabilities, PICC P & C promised that each phone insurance customer can enjoy "full guidance from insurance consultants", "free delivery orders," "fast claims," ​​and "100% Service intimate visit "four exclusive services. Branch offices around the country also adapted local conditions and introduced a number of differentiated value-added services.

Huatai Insurance's Zhejiang branch also entered the market this year, and in addition to launching a series of service commitments, it also made a promise to consumers that they “have promised not to honor and pay you 100 yuan.”

"Behind all kinds of services, it is the competition of insurance companies for quality customers." Analysis of the industry. The reporter learned that some major companies’ telephone insurance business is only for customers who have zero or one risk, otherwise they will enjoy less than 15% discount.

Regulate electricity sales supervision measures

Consumer insurance can be more assured

"It was just lunch break, the insurance company's phone call!" "How did the insurance company know my information?" Many people have already issued such complaints.

"In response to new developments and new issues in the development of electric power, the insurance regulatory authorities will introduce more detailed regulatory measures to better protect the interests of the insured," said the person from the Bureau of Property Insurance of Zhejiang Insurance Regulatory Commission.

The reporter learned that in the upcoming regulatory measures, first of all, it emphasized the legality of customer information acquisition and severely cracked down on illegal information acquisition. Once it is discovered that it will be dealt with promptly, it may even revoke the company’s electric sales license. The second step is to require the insurance company to establish a telephone shielding system. If the call is made for the first time and the customer expressly declines it, the system will automatically block the number and guarantee that it will not be called twice during the insurance year.

Although the current number of invoicing for each insurance company has been unified, but the number of outgoing calls has not yet been unified, consumers are more difficult to confirm whether the caller number is an electric number, often mistaken for calls over the traditional sales channels such as insurance agencies. It is an electric telephone. Therefore, the insurance regulatory department will also require each insurance company to gradually unify the sales of outgoing numbers, so that consumers can read the phone number can be assured of insurance.

In addition, the regulatory measures will also include the specification and management of distribution services, requiring insurance companies to work hard to improve the timeliness of distribution, uniform distribution staff and other details, and enhance the overall sales image.

How to identify "cottage version"

Telephone insurance

See business qualifications.

Not all insurance companies have eligibility for electrical sales. At present, there are 11 property and casualty insurance companies that are allowed to carry out electrical sales in our province (see attached table). Other than that, telephone sales are not real auto insurance products.

Differentiate between "telephone sales" and "electricity sales."

Not all “telephone sales” are “electricity sales”. Insurance intermediary agencies can also legally sell auto insurance products by telephone. However, they sell traditional products instead of electric products. Consumers should understand clearly and pay attention when they answer the phone.

Listen to the caller's language is standard.

When you are not sure of the authenticity of the caller number, you may wish to examine the professional qualities of the caller, and be wary of unreported job number, promised gifts or arbitrarily changing prices.

After making a phone call, you will be actively calling in.

The safest method is to hang up the phone and then automatically call in according to a dedicated electric number.

One of the insurance company's outgoing calls has not yet been completely fixed, and the second one now has a number changer. The fake electric charge can also deceive the owner by changing the number. Therefore, it is not recommended that consumers identify the authenticity of electric sales by exhaling the number. The best method is to call the phone and make active calls.