Vehicle insurance is a large amount of money that car owners have to spend every year, most car owners are renewed in 4S stores, but there are also many car owners, through online group purchase, telephone direct sales and other ways to buy car insurance.
Many car owners have a concept that buying car insurance from 4S stores has an extra layer of middlemen, and it is better to buy directly from the phone or online. In fact, this is not accurate, this is not Audi owner Mr. Xing, online purchase of insurance encountered bad things, and complained to the car review network private message.
Mr. Xing's car insurance is about to expire, and on September 30, he received a sales call from Ping An Insurance, and after the holiday (October 8), there was a car insurance group purchase, and the discount was large. After Mr. Xing agreed, he was pulled into a car insurance group (the group has been dissolved and cannot be screenshotted) and assigned a sales consultant on October 8.
Then there is the familiar insurance sales talk, giving a so-called "minimum" discount, including a cashback of 109 yuan, you need to buy insurance first, 15 to 20 working days later to call the bank card.
Mr. Xing had previously renewed his insurance in the 4S store, but under the flicker of this car insurance direct sales manager, with his trust in Ping An Insurance, he did not want to place an order directly.
Unexpectedly, the ping an insurance purchased was not so safe.
A month later (November 6), I asked the insurance manager for a refund and replied ," "Re-urge (HQ)"
A month and a half later (November 27), WeChat telephone inquiries, replied that the payment has been made, Mr. Xing called out the bank statement, and no collection information was found. Again WeChat phone inquiry, no one answered.
Two months later (December 2), Mr. Xing complained to Ping An customer service, which said: "This complaint will be fed back to the sales manager's superior supervisor, and the promised amount will be refunded." If you have not received it recently, you can contact customer service again. ”
Five minutes later, the sales manager called back (the customer service complaint had an effect) and said again that he had already made a payment in the background, and Mr. Xing asked him to send a screenshot of the payment. The sales manager began to lose confidence, and after a moment of silence, he said that he had seen it wrong, and indeed he had not yet made a payment, so that he continued to wait for the payment.
At this time, Mr. Xing finally felt the cattiness in it, Ping An Insurance used a small amount of rebates, everyone did not care about the psychology, dragging the word, for a long time, forgot the money, and was earned by the sales manager or Ping An Company.
Mr. Xing then gave feedback on this matter to the editor of the car review network, hoping to remind all friends who purchased Ping An network car insurance through the car review network channel.
The editor of the car review network consulted an insurance industry insider, "The high probability sales manager gave up part of his commission in order to quickly become a single. By delaying time, let some users forget about the rebate."
On the one hand, 4S stores as an important insurance channel, insurance companies will give large rebate discounts, usually 20% to 30%, or even higher. 4S stores often give most of the insurance rebates to car owners in the form of cash discounts or maintenance vouchers. Compared with the profit of car insurance rebate, 4S shops pay more attention to the return to factory maintenance claims after insurance, which is the majority of 4S shop profits. And 4S stores and insurance companies will have two-way commitments, 4S stores promise to sell how much car insurance, and insurance companies promise to push how much amount of outgoing vehicles.
The industry insider also said that although in most cases it is more cost-effective for 4S stores to buy car insurance, this is not completely absolute, and when buying car insurance, it is best to compare it through multiple channels.
As of press time, Mr. Xing has not received ping an insurance refund, as China's largest insurance company, Ping An insurance has such a low-level incident, reflecting that there are huge loopholes in its sales management, hoping that Ping An Insurance can honor the "buy car insurance, is to buy Ping An" Slogan, the car review network will continue to track the report.
Supplemental Updates:
After the article was published, a number of friends contacted the car review network to reflect the problem of "cashback deception", it seems that this phenomenon is not accidental, it is already a common phenomenon, and I hope that the relevant regulatory authorities will pay attention to it.
This article is the original of "Car Review Network", author: Qiu Mingshan, editor: Tian Miao, may not be reproduced without permission. Pay attention to the "car review network" and focus on in-depth reporting of the automotive industry.