Is electric vehicle insurance reliable? The company's electricity sales are very reliable. At present, insurance companies qualified for telemarketing are vigorously promoting this low-cost sales method. Agency companies that sign contracts with insurance companies are also very reliable. However, due to the quality and sales problems of the agent, there may be cases where the promised conditions can not be fulfilled sometimes. In addition, because there is no telephone recording in this telephone sales, there are certain risks.
2/ How to distinguish between tricky and preferential?
Because the cost of telemarketing is lower, there will be a certain discount. So how can the owner tell whether it is a real discount or a scam?
In fact, there are three aspects that can be used to verify:
1. The legal telemarketing agent will report the job number before the sale. When the owner receives such a call, he should write down the agent's job number. After the call, he can call back the service hotline of the insurance company and inquire about the employee number of the agent. After the sale is successful, a staff member will confirm the policy and insurance details with you again according to the process.
2. Call back to verify the authenticity of the policy. For example, for Ping An's policy, the owner can call 955 1 1 the next day, and at the same time, be sure to verify whether the details of the quotation are consistent with the actual policy, such as clarifying the details of the insurance coverage of the three insurances, otherwise the premium will be cheaper and the insurance coverage will be reduced.
The insurance company will give a certain discount according to the number of times the customer went out of danger last year. In addition, in order to promote insurance policies, agencies may also benefit consumers from related expenses. However, considering the operating cost of the agency, the preferential amount cannot be determined. However, the regulation of the China Insurance Regulatory Commission is that the minimum auto insurance cannot exceed 30%. If the discount promised by the mobile phone is less than 30%, then the owner should be vigilant.
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3/ What are the advantages of telemarketing and agency model?
First, the advantages of telemarketing auto insurance
1. The price of electric auto insurance commercial insurance is lower than that of traditional auto insurance commercial insurance 15%.
2, there are professional sales agents to sell, and the words are standardized.
3. Provide policy delivery service for car owners to save car owners' time.
4. Can provide drivers with drunk driving, free road accident rescue and other services.
Suitable for buyers: car owners who pay attention to price and service quality, are busy with work and have no time to apply for insurance.
Second, the advantages of the agency model
Form complementary cooperation with insurance companies, collect the superior products of various insurance companies and package them for sale to customers.
Suitable for buyers: car owners who need one-on-one service, but at present, insurance commissioners of agency companies are also frequent, and larger agency companies will have special customer service departments.
Whether it is telemarketing or agency, the price and service are the same, and they are all implemented in accordance with the insurance terms (except vicious competition).
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.