Is the phone insurance safe? Comprehensive Interpretation of Telephone Insurance

Telephone insurance is a brand-new marketing method for current China insurance. It mainly uses telephone communication as the main means to assist in the transmission of insurance products and confirmation of insurance policies through the aid of network, mail, and express delivery. The telephone car insurance is much cheaper than going directly to the counter for car insurance. This makes many car owners wondering. Why the same insurance and phone insurance is much cheaper? Is the phone insurance safe?

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There are reasons why telephone insurance is cheaper than going to the counter directly for insurance. The first reason is that the competition of major insurance companies is very fierce, so insurance companies will optimize their own sales channels. Car phone insurance to promote a series of preferential measures to improve the company and the company's competitiveness. The second reason is that the telephone insurance has a lot of agency links, and these saved agency fees are directly returned to consumers in the form of preferential treatment. The owners can directly enjoy the low prices, and the insurance companies have completed the business. It is a win-win situation.

Therefore, it is generally more reliable to complete the policy confirmation through the formal insurance company's telephone marketing number, but one must admit that the telephone insurance also has some risks. For example, telephone insurance can easily lead to fraud. Because the insurance company does not need the owner to issue the original identity certificate when the vehicle is re-insured, some vehicle repair shops will use the information left by the customer to insure the owner without knowing the situation, and then deliberately make some of the vehicle. Small accidents to seek benefits.

In summary, the phone insurance purchased through the regular marketing number is reliable, but also can enjoy relatively affordable and inexpensive prices, but due to the lack of agents links professional services are inevitably some missing. Especially for some novices, they are unfamiliar with the claims operation, and often encounter poor communication with the insurance company, which leads to some problems in the vehicle can not get claims.


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