The automobile insurance guards against the intermediary cloth trap

Before vehicle owner Mr. Yang the car insurance due, received unceasingly at the end of last year insures clerk's telephone, sold the respective Insurance company's car insurance. The final insurance intermediary clerk has brought to his attention, this clerk called he is at the company is a Insurance company's first-level proxy. But purchases the car insurance through them only to need for 4900 Yuan/years. But before Mr. Yang's car insurance expense has not been lower than 5000 Yuan/years, moreover he also has left last year several dangers, therefore the insurance premium should also have surfaces the boat. Therefore Mr. Yang requests opposite party to come out the concrete insurance premium detailed newspaper. Opposite party name must calculate that the concrete expense needs to provide the vehicle owner the ID card number, therefore Mr. Yang the protection has not provided own ID card number. The very quick several minutes, after this clerk investigates the material, discovered that Mr. Yang's vehicle left three dangers last year, the request has increased price promotes 1000, Mr. Yang could not accept such price to reject. This clerk inquired immediately Mr. Yang planned which Insurance company purchases the car insurance, Mr. Yang speaks thoughtlessly the expression plan to take out insurance in the B Insurance company. several days later Mr. Yang asked A Insurance company's clerks to purchase the next fiscal year to be safe, the result is informed actually he the junction strong danger already under the B Insurance company only. Afterward several day of Mr. Yang accidentally has received this insurance intermediary clerk's telephone, is informed already helped it to take out insurance the car insurance in the B Insurance company to combine the good chit, Mr. Yang must only sign the confirmation and pays money in front of then. In Mr. Yang interrogated he has any right when without the person concerned agreement under the list, this clerk indicated that the chit already left, can only in leave the single Insurance company to purchase the insurance, has been unable to elsewhere to purchase. After Mr. Yang three suits, the B Insurance company abolished this chit finally.
The expert comments the document to handle the car insurance to choose the situation which regular channel Mr. Yang meets, should be intermediary first under a Insurance company the list, after then prepares attains the insurance premium, then draws back the list to purchase Mr. Yang to hope the purchase the B Insurance company car insurance. Mr. Yang this kind of bitter experience snatches the single vehicle owner to be not infrequent likely, the expert reminds the vehicle owner to buy hands over the strong danger to choose the regular marketing channel, the vehicle owner may handle directly to the Insurance company selling area, throws the material which the protection strong danger needs to have the travel card and the ID card copy, the Insurance company could find the vehicle owner this year junction strong insurance cost rate through the car license number, might handle appropriately immediately; May also send a telegram to the Insurance company to handle directly with handles the insurance in the Insurance company official website. Attorney reminds the insurance which the study car insurance and legal knowledge in the present market appears intermediary to be very disorderly, reminds the vehicle owner not to be able only to look that the price must compare the adjustment and the service, simultaneously reminds the vehicle owner when signs the insurance contract, the insurance clause reads carefully again has signed, must see clearly the insured liability. The insurance contract is the form contract, lets the non-professional the vehicle owner look that fills the technical expression the insurance clause, itself puts in the policy holder the very disadvantageous status, therefore, the parties concerned have in the essential examination insurance contract to exist to the policy holder unfair insurance clause. Suggested that the vehicle main multi-study related car insurance and the legal knowledge, avoids, whatever insures intermediary organizes, is at the passive position. the specialized reminder enhancement guard realizes the professional to remind the vehicle main enhancement guard consciousness, the regular Insurance agent has insures the agency factor qualifications card, moreover by ways and so on low price discount will not tempt the policy holder. When facing insurance proxy telephone, must determine that this is a regular Insurance agent can under the list, the policy holder not be able to depend on Insurance agent's several promotion telephone and so on individual information to disclose the ID card. Extends reading to consummate insurance intermediary market system China's insurance intermediary, regardless in organization quantity, service scale, in the technical service aspect which provides for the insurer and the insured, is quite backward, but corresponding intermediary carries on to the insurance the supervision is also being at the start stage. is uneven in view of the current intermediary market organization assignment, the development speed does not wait for the present situation which, the supervision level varies, for the enhancement insurance supervision troop's whole supervision level and the quality, suggested that the Insurance Regulatory Commission multi-organizations supervise personnel's training study, strengthens the provincial capital area the exchange. In the condition permission's situation, carries on the intermediary supervision with the insurance intermediary market developed country the exchange and the study, studies positively profits from internationally some mature supervision experience, further strengthens consummates the safe laws and regulations system, strengthens each kind of insurance supervision indicator system construction, the cultivation adapts the intermediary market development high quality supervision troop.