Reporter, tanya
There was a long voyage risk followed by a freight risk。
Recently, a large number of network users have found that they have bought back freight cost insurance (hereinafter referred to as freight risk) but have been unable to recover when returning the goods. The bank of china insurance newspaper found over 3,800 complaints about freight insurance from black cats on the internet。
Is this a platform that doesn't have credibility, or is there someone who's trying to get freight on their wool
Refusal of freight
The wind started at the end of ping。
Freight insurance is the insurance premium paid by the buyer or seller of the net purchase to the insurer, who is contractually liable for the one-way refund of freight in case of return. Freight insurance generally ranges from $10 to $25, calculated on the basis of distance, merchandise weight. Freight insurance, which was born 10 years ago, has now been extended to other electrical platforms。
In fact, there are many disputes over freight insurance. In the black cat complaint, the china bank insurance journal found that more than 3,800 complaints were retrieved using freight insurance as a keyword. It involves a large number of electric power companies, such as poachers, and a number of insurance companies, such as china-thai oil insurance, sunshine insurance, hua-thai financial insurance, public security, china taiping, and land insurance。
In terms of the content of the complaint, the consumer is suffering and freight insurance causes many inconveniences。
Consumer a, for example, said that it was inappropriate to return goods without paying freight insurance for the excess purchases of goods with freight risk. This is a freight risk that is used to deceive consumers. Without freight risk, i would not be buying much, but for friends and neighbours. This is the case in many cases, where freight costs are not refunded when the goods are returned. The platform keeps pushing, the merchants are acting confused, either because your account is abnormal, or because you've filled in wrong, for days, because not taking our problems seriously, it's cheating and cheating on us to buy goods。
Consumer b, for its part, suggested freight risk when the bulk of the goods were purchased, and after the return of the goods, the merchant signed the receipt, but the freight risk was cancelled and the payment refused。
The rejection was due to information errors
Freight insurance can be described as the seed of internet insurance, and internet insurance in the interior of the country has emerged from the outbreak of demand for freight risk in the electric business landscape, following which internet insurers have continued to explore the network insurance incremental market。
The volume of freight insurance is large and, according to data from the china insurance industry association, the cumulative number of freight insurance policies in 2019 was about 15 billion, exceeding 50 per cent of the number of non-vehicle insurance policies on the internet。
There are also a number of insurance companies operating freight insurance, which are not fully accounted for, including chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, chinese, unlike in the current year, the market share of the insurance companies initially operating the business has been significantly diluted。
So why don't insurance companies pay freight
In terms of reasons for complaints from black cat, many cases are due to the platform's belief that consumer accounts and transactions are unusual. In response, a multiplicity of official clients responded to consumers that account number anomalies were determined by the system through many complex codes and logics, suggesting that consumer involvement in subsequent activities would reduce possible anomalies or minimize interaction with other unusual users and that it might be possible to recover over time。
The consultant to the firm, tin hailong, told china bank insurance that the main reasons for the refusal of insurance companies to pay compensation for freight insurance were often due to the filling out of a logistics error, or the use of a single number for several return couriers, resulting in the payment of only one shipment insurance claim。
An insider of an insurance company told the china bank insurance newspaper that the non-payment of compensation by the insurance company was generally described in the freight insurance clause. In the case of poaching, the freight risk clause contained in the freight risk exemption clause contained false logistics information from the claimant, such as exchange of goods by the buyer or refusal to sign for the goods sent by the seller, would vary from platform to platform。
It's not safe to lie
Refusal to pay compensation for freight costs is linked to fraudulent insurance。
In fact, as in the case of extended flight insurance, freight insurance also faces the dilemma of wool。
Freight insurance has long been fraudulently insured. The first case of internet insurance fraud in the country was handed down in 2015 at the wu xing district people's court in lake county, zhejiang province. The occupational swindler who had been sued for financial fraud by the chinese government had been insured through false purchases and had applied for compensation for freight costs, in the amount of more than $200,000, which had led to a prison sentence of six years and six months for insurance fraud and a fine。
Following this, a further hubei male exploited the freight risk gap to obtain $2. 8 million. According to the first-instance judgement, the defendant was convicted of insurance fraud and sentenced to 12 years ' imprisonment and a fine of 120,000 renminbi; one year's imprisonment for forgery of a financial ticket certificate and a fine of 20,000 yuan; six months ' imprisonment for obstruction of credit card management and a fine of 10,000 yuan; and 13 years ' imprisonment and a fine of 150,000 yuan。
As in the case of long voyages, there are even more lessons on the internet to teach freight safety。
It's the insurance company's top priority. And the second most important thing is that it's hard to protect against fraud。
One is the digital divide between internet platforms and insurance companies. According to the media, there is currently no better way for insurance companies to put an end to this situation and there is a need for in-depth cooperation between electrical platforms and insurance companies. Freight insurance is mostly tied to the platform, many of which do not fully synchronize the information of the insured to the insurance company, which is difficult to manage. The large amount of data in the hands of internet platforms and their unwillingness to share data with insurance companies also contribute to the current dilemma。
On the other hand, it is based on the very low cost of freight insurance. Given the high volume of freight insurance, the large number of claims and the small amount of the individual claims, it is not possible at this time to examine each case individually and carefully by the staff member to determine whether the claims are genuine and effective. Ding hailong said。
According to ding hailong, insurance companies are currently engaged in extensive data analysis of freight risk claims, the screening of case data to identify suspicious sellers or buyers, the detection of insurance and settlement records of suspicious persons, and the cessation of the sale of freight risk to suspicious persons, even by legal means, to protect the legitimate interests of insurance companies, when it is established that there is a false settlement of the suspect。
Although the insurance companies used the above method to screen for false settlements, it was inevitable that some false settlements had been omitted and that, occasionally, some of the true claimants had been miscalculated as suspicious. According to dinhailong, in view of the freight insurance model, insurance companies need to continuously improve their analytical capabilities with respect to freight insurance coverage and settlement data, optimize the setting of rules for monitoring false claims settlement, make a more efficient and accurate distinction between true and false claims settlement, and maximize the protection of the legitimate interests of consumers while countering false claims。
