Buying car insurance can not only get cash back, but also give scratch touch-ups, maintenance coupons, car wash coupons, etc.? Or is the car insurance offer significantly lower than other companies? Wait, do you think there are so many routines to buy car insurance now?
In fact, today's car insurance has entered the era of "clear discount and clear deduction", that is, the invoice price of the policy is the final price, and the insurance company's cashback and promotion have become a thing of the past.
However, there will still be some car owners who will fall into the trap of "high rebates" of scammers for cashback, gifts or low prices, and they will be deceived if they do not buy car insurance!
Typical Case 1
At the end of January this year, Mr. Zhu, an online ride-hailing driver, received a virtual number starting with 162, who claimed to be a customer service of "Ping An Puhui" and recommended his company's insurance.
After the addition was successful, the customer service sent a quotation from "Zhong'an" and "Ping An" according to Mr. Zhu's requirements, and said that buying "Zhong'an" insurance can be discounted by 500 on the basis of the quotation, and if you buy "Ping'an" insurance, you can also add a bottle of Kao wine of 388 yuan, if you don't want wine, you can directly discount 200 yuan.
After many comparisons, Mr. Zhu finally decided to choose to buy "Ping An" car insurance, and after the two parties agreed on the price, Mr. Zhu transferred the QR code sent by the other party to pay the premium.
After that, the other party sent an electronic insurance policy, and Mr. Zhu saw that the title of the insurance policy was "Ping An HP Linkage Automobile Service Co., Ltd.", not "Ping An Auto Insurance" as the customer service said. Mr. Zhu felt that something was wrong and immediately contacted the official customer service number of Ping An Auto Insurance, who told him that he was not insured by Ping An Auto Insurance. Later, Mr. Zhu called the 12378 bancassurance consumer complaint and rights protection hotline, and the other party replied that "Ping An HP Linkage Automobile Service Co., Ltd." did not have the insurance qualifications, and Mr. Zhu was sure that he had been deceived.
Typical Case 2
In September last year, a person claiming to be "PICC car insurance salesman Xiao Liu" took the initiative to add Master Xu's WeChat, and Master Xu saw that he was selling car insurance, and agreed to the other party's friend request without much thought. Soon, Xiao Liu made a quotation for the car insurance in Master Xu's name, and said that if you buy it now, you can get 200 yuan back. As soon as he heard that it could be cheaper by 200 yuan, Master Xu was a little moved, thinking that the car insurance was originally to be bought, and the quotation was similar to before, so he readily agreed.
Subsequently, Xiao Liu sent a payment QR code, and Master Xu paid 2045.04 yuan for commercial insurance and 982.96 yuan for compulsory traffic insurance according to the requirements, and also got 200 yuan in cashback.
Two days ago, Master Xu's car needed to be claimed by the insurance company because of the scratching of paint, but he couldn't contact Xiao Liu, so Master Xu could only contact the insurance company by himself, but he couldn't find the insurance commercial policy, and then he realized that he had been deceived.
To prevent car insurance fraud, pay attention to:
1. The current car insurance market is "clear discount and clear deduction", when buying car insurance, car owners should handle business through formal sales channels and insurance processes, and do not believe in high rebates or excessively low prices.
2. In accordance with the requirements of the insurance regulatory department, most parts of the country have been unified on April 14, 2018 to officially implement the "real-name payment of the policyholder" of car insurance, that is, the premium is paid by the owner himself, and paid directly to the official account of the insurance company.
3. Car owners should be careful of all kinds of marketing traps, be wary of WeChat groups or circle of friends using terms such as "national insurable", "compulsory traffic insurance 0 tax small tax" and "high rebate" to mislead sales, improve self-protection awareness, do not disclose your important personal information and vehicle information to others, and avoid falling into traps.