In the middle of the year, when the electrician, “6-18”, made a big deal of sales, making it hard for consumers to start a “buy-and-buy” model. If it is not appropriate to buy something, and do not worry, all major electric operators have to offer refunds to cover consumer concerns. Refund freight insurance is the insurance policy for liability under the contract for a one-way refund in case of a return request by the seller or buyer。
However, many consumers, when buying online, usually directly pick out refunds of freight risk on order pages without reading the insurance clause. In other words, it is not clear what the contract elements are, such as the consumer's liability for reimbursement of freight insurance, the content of the exemption, the amount of compensation to be paid, the period of insurance, etc. In fact, the amount of freight settlement available for reimbursement of freight insurance is calculated on the basis of the geographical distance between the shipping address and the receiving address and not on the basis of the size and weight of the actual returned goods。
In general, the maximum amount of reimbursement for refunded freight is $18. Thus, it is possible that the actual cost of the refund is higher than the amount of the settlement fee received, and that the additional cost, if the seller's liability leads to the return, may be compensated by the seller or, if the buyer is responsible for the additional cost。
As an example, a consumer had previously insured for refunds during a shopping process for a platform, after which the buyer discovered that the goods were not consistent with the vendor's description, and returned the goods by consensus with the seller, with the insurance company assuming liability for the freight charges. However, due to the size of the commodity, the buyer actually incurred higher transport costs and the insurance company was unable to fully cover the cost of transport, requiring the seller and buyer to negotiate to make up the difference。
In order to avoid a dispute at the settlement stage, he suggested that consumers, when purchasing the internet, should first combine the insurance provisions for refunds of freight risk, read the insurance coverage in the insurance contract, the settlement process, the exemption clauses, and guard against contractual exemptions. Second, consumers should judge rationally whether they need to buy back freight insurance, for example, because commodities such as multiple purchases, everyday life classes, high-quality classes are less likely to be at risk, and consumers should decide whether to buy on the basis of actual circumstances. At the same time, consumers can choose whether to buy by calculating the difference between the actual premium and the amount of the settlement, and whether the amount covered the actual freight。
In addition, consumers need to know the insurance and settlement processes. After the insurance has been purchased, it should be recognized that the policy has been successful and that the policy has not been effective for reasons such as non-payment. Upon settlement of a claim, the insurance company shall be required to apply for settlement of the claim in a timely manner and to perform the corresponding formalities, such as filling out a return consignment note, the cause of return, etc., to ensure prompt compensation。
