After 95, 00, and as a generation that has grown with the development of the internet, “net purchases” have become a daily life. Every month, major electrician platforms are prepared for at least one major event, followed by double-demonstration seasons, ice festivals, annual cargo festivals, etc. In order to reassure consumers of trading and shopping experiences, the platform successively introduced consumer insurance such as freight insurance, premium insurance, positive product insurance and after-sales insurance. While these consumer insurance risks appear to safeguard consumer shopping interests, they may even become a front and a front for sellers of fake sales。
What is freight insurance
Refusal (sale) freight insurance is a freight insurance that is divided into two categories: back freight (buyer) and back freight (seller) insurance, which automatically lapses when a transaction is successful, and freight insurance generally ranges from $10 to $25, calculated on the basis of distance and the weight of the commodity。
Four main features of freight insurance
Low insurance costs
The average is around $2-6 (the higher the cost of the more the insurance coverage is, the more the insured person's creditworthiness is affected, the higher the claim may be rejected)。
Insurance convenience
It is only necessary to choose when the goods are purchased and the money may be paid together。
We're going to have to work fast
There is no need to file a report and no evidence is required, and the settlement of compensation is paid directly to the buyer for the treasure within 72 hours of the successful return。
High compensation
The amount of compensation, based on the distance between the buyer's place of receipt and the seller's place of return, and the weight of the goods, is up to $25。
You ever stepped on these freight insurance pits
There are also “holes” for cheap and good freight insurance, which, if stepped on, would significantly lower the value of freight insurance, so you must know the following:
The more we return the goods, the more expensive the freight will be
Freight insurance itself is a commercial risk, and if your account is often returned for exchange, the insurance company will detect it through a risk assessment, thereby making your freight insurance premium expensive or refusing to cover it. For example, you might find on the commodity payment page that freight insurance of $2 and $3 is suddenly turned into $11, and a freight insurance premium of $12 is not a good deal。
The amount claimed is not fully offset by freight charges
Freight insurance can help us to mitigate losses properly and is a compensatory insurance policy. That is to say, not as much freight as you actually paid. It pays the first kg of the returned goods, generally between $8 and $25, based mainly on the receiving and returning addresses。
If you buy large household items such as couches, refrigerators, etc., the cost of transportation amounts to several hundred dollars, and the cost of freight insurance cannot be fully compensated. Therefore, it is important not to feel that there is a freight risk and to buy anything without considering the cost of returning the goods。
One order, freight insurance only once
We need to know that a trading order corresponds to a freight insurance policy that can only be settled once. In other words, many items of goods on one order were returned separately and only received one settlement。
For example, if a number of clothes were purchased in the same store, it would be necessary to consider which ones to return, and if one was to be returned and the second one was to be returned, it would have to bear the second freight。
In short, freight insurance is not a panacea and, like other insurance products, has an insurance contract in black and white。
It is recommended that everyone: get in, get in, get in, get out, get out, get out, get out. Why don't we just think about the good stuff we had last year? Was it forgotten somewhere to eat ashes? After all, it's time to cut off your hands and get busy and hope that this little freight risk will save you some money at a critical time。
Laws and regulations
Consumer protection act of the people's republic of china
Article 25. The operator sells goods on the internet, television, telephone, mail, etc., and the consumer has the right to return the goods within seven days from the date of receipt of the goods without having to give reasons, except for:
(i) by consumers
(ii) those who become perishable in fresh life
(iii) digital commodities such as audio-visual products, computer software, etc., downloaded online or dismantled by consumers
(iv) newspapers, periodicals delivered。
Except for the goods listed in the preceding paragraph, goods of a nature other than those listed in the preceding paragraph, which the consumer has recognized as inappropriate at the time of purchase, shall not be subject to unjustified return. Consumers should return goods in good condition. The operator shall return the price paid by the consumer within seven days from the date of receipt of the returned commodity. The cost of returning the goods is borne by the consumer; the operator and the consumer agree otherwise, as agreed。
