Beijing business today reporter learned today that there are two kinds of value-added services, namely disaster prevention and relief services. Disaster prevention and mitigation refers to the risk warning, risk investigation and risk avoidance measures taken to reduce the probability of insurance accidents and reduce the losses caused by insurance accidents, including vehicle safety detection, driving, inspection and safe parking. Rescue services include accident rescue and fault rescue.
Vehicle safety testing provided by insurance companies shall indicate the service content and frequency. Driving on behalf of the driver refers to the short-distance driving service provided by the insurance company during the validity period of the policy, when the insured and the driver of the vehicle are unable to drive due to drinking, drug abuse and other reasons or there are great driving safety hazards. The driving service provided by the insurance company shall indicate the mileage and times of each driving in the insurance policy.
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The CIRC has long stipulated unfair competition in auto insurance. The Notice on Rectifying the Chaos in the Motor Vehicle Insurance Market (No.174) issued in July, 2065438 explicitly prohibits vicious competition, false expenses, data fraud, illegal gifts, and even cooperation with institutions without corresponding qualifications.
According to the statistics of today's reporters in beijing business today, the tickets issued by the National Insurance Regulatory System 20 17 show that nearly 80 tickets were given to the insured for benefits other than the contract due to unfair competition.
In this regard, the China Insurance Association also stressed in the "Points" that each insurance company can independently choose the value-added services provided to consumers within the above scope according to its own reality, but it is not allowed to give away securities in the form of driving tickets.
The value-added services provided to consumers should be clearly stated in the special policy agreement, and registered with the head office in the relevant module of "Independent Registration Platform for Property Insurance Company Products" of China Insurance Association. An insurance company shall provide written explanations to the insured, fulfill the obligation of informing, ensure the quality of service, accept public supervision, and make consumers understand consumption.
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