Ji'nan citizens are strongly insured by the insurance industry: 4S stores or 40% rebates.
life daily daily newspaper chief reporter Wang Jian
Spring Festival before the Spring Festival, Mr. Zhang wanted to buy a car. He chose the brand and the model, and the price was also good. "4S shop requires a one-time purchase of 3 years of insurance, the price is 15 thousand yuan, do not buy insurance do not sell cars." Although Mr. Zhang finally bought insurance, he was very angry.
it is learnt that Mr. Zhang's experience is not unique, and is widespread in the market. According to the insiders, the reason why 4S stores sell strong insurance is inseparable from interest driven, and the proportion of individual 4S shops and small insurance companies can reach 40%.
4S shop with high insurance prices too high to be too high in insurance prices. "Do not buy insurance and not sell cars is really too overbearing, is this the tyrant clause?" in the afternoon of February 21st, Mr. Zhang reflected that when he bought a car at an imported automobile 4S shop in industrial North Road before the Spring Festival, he met this The trouble is: the price is all right, the other side says that it is necessary to buy auto insurance in the shop, and purchase the 3 year auto insurance at a time, the price is 15 thousand yuan.
Mr. Zhang originally wanted to have a theory with 4S shop, but because the car was really in contact with each other, he could only be a "big head".
Mr. Wang also encountered a strong 4S shop when he bought a car. "I bought a car in a 4S store in the city of Guangzhou last November 18th, and the 4S shop forced me to buy car insurance, and only one insurance company chose not to buy insurance and not sell cars." Mr. Wang was forced to buy the compulsory insurance and the three party insurance in the shop. Later, Mr. Wang found that the 4S shop's car insurance price was too high. After he refunded, he bought a new auto insurance.
"when I bought a car, 4S shop promised to install the cushion free of charge, but when I went to 4S shop later, the other side did not install it on the grounds of not buying insurance." Mr. Wang said, it is not that he does not want to buy a car insurance in 4S shop, but the car insurance of 4S shop is more than 1000 yuan more expensive than outside.
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the first year of the reinsurance deposit is not refunded for second years. It is reported that there are a lot of 4S stores selling car insurance. Many customers who have bought a car have also suffered a strong sale, and they also have to pay a deposit for the first year. In the first second years, the renewal of the insurance will not be refunded.
"I bought a Changan car for 45800 yuan in February 3rd this year at a 4S store in Jiyang county." Mr. Wang said that because he needed cash turnover in business, he paid installments. Unexpectedly, the other side forced him to buy insurance in the shop, and it was all risks.
"buying in store needs 3300 yuan, and it can be reduced by nearly 3 percent on the outside." Mr. Wang said indignantly that he bought a car in a bank loan and not owed 4S money. "What do they sell insurance?"
miss sun wants to renew the deposit for 1000 yuan, but it is rejected by the other party.
she said that when the price is almost the same, it doesn't matter where the owner buys insurance, but the price of 4S shop is too high to be accepted.
4S store
the loan buyer must buy the full insurance sales vehicle insurance to have a certain rebate
22 noon, the reporter contacted Mr. Wang when he bought the car when he bought a car. Staff said that if the loan to buy a car, you must purchase compulsory insurance, three party insurance, vehicle damage and theft emergency. Then, if all cars are purchased, do they need to buy insurance in the shop?
the head of a large 4S shop in Ji'nan said that the sales insurance did have a certain return, but they had specialized departments responsible for the business and also needed to pay the operating costs. "Some of the electricity sales seem cheap, but in fact there is a cat in the contract, many situations may not be paid, or the ratio of compensation is low." He said that the purchase of auto insurance in the 4S shop, though the price is higher, is relatively more secure. "Of course, it is best to choose a large insurance company."
the person in charge explained that the reason why mortgage cars need to buy all risks is because the banks have to consider the risk, "in case of an accident, the vehicles purchased in all risks are relatively more able to repay the loan."
the person in charge said that the total risks they mentioned generally refer to compulsory insurance, three party insurance, vehicle damage insurance and no deductible. It is learnt that when buying a car, there will be definite requirements for the purchase of auto insurance.
car insurance has invoiced price and actual payment price
a large insurance company staff introduction, for insurance companies, marketing, electrical sales and 4S stores are all insurance sales channels.
"when the general customers purchase insurance, there will be an invoice price and an actual collection price." The staff said that the general sales staff give customers a discount of around 20%, but some 4S shops may be similar to the actual invoice price. He said, because 4S shops and insurance companies long-term cooperation, may also get other concessions.
"all 4S shops basically sell car insurance, and the profits are astonishing." Industry insiders say that some 4S stores will cooperate with several insurance companies, equivalent to their agents, some 4S stores, especially small ones, and only a couple of insurance companies. He said that the general 4S shop sales vehicle insurance can get 20%-30% rebate, "some small insurers rebate up to 40%."
people in the industry say that 4S shop has entered the era of meager profit, and it can earn less money by selling cars, and can only earn profits through index rebate and after-sale. Against this background, strong selling of auto insurance has become an unwritten "hidden rule" in the industry. For 4S stores, strong selling of auto insurance can also enhance the dependence of owners on 4S stores. Some 4S shops actually have internal insurance, "accident, shop repair."
the owner of a car insurance illegal car owner has the right to say not
is it reasonable? The relevant staff of the Shandong Bureau of insurance supervision, they mainly supervise the insurance companies and agencies, the main agency of the 4S shop is to verify its qualification, and to cooperate with the insurance company. Process and whether there is any violation of the insurance law.
it is reported that the eleventh article of the People's Republic of China insurance law clearly stipulates that the insurance contract shall be concluded by consensus, and the rights and obligations of all parties shall be determined according to the principle of fairness; the insurance contract is concluded voluntarily except that the law and administrative regulations stipulate that it must be insured.
131st stipulations that insurance agents, insurance brokers and their employees may not use administrative power, duties or professional conveniences and other improper means in handling insurance business activities, force, induce or restrict the insured to conclude insurance and cooperation.
reporter learned from the Ji'nan Municipal Bureau of industry and commerce that the pattern of compulsory selling of insurance has been frequent in recent years, not to refund the gold, to procrastinate vehicle certificate and purchase invoice, or even to buy car insurance without authorization.
industry and Commerce Bureau reminded that 4S stores should not force consumers to buy insurance in the shop. If they encounter 4S shops that sell strong auto insurance, consumers can make 12345 complaints. Moreover, consumers should pay special attention to paying deposits and signing contracts, and be careful to fall into the trap of writing.