With the start of the binational 11s war, the electrician platform has called out the insurance's “law treasure” to launch insurance services, including in cooperation with insurance companies, to reassure consumers. On 9 november, the beijing journalist collated that the type of consumer insurance product, ranging from the initial return freight cost risk to the flowering of various products, covered the price, quality, logistics, refunds, after-sales services, etc., and almost covered the entire network acquisition process。
While these insurances appear to provide security for the next order, the actual settlement process often presents new difficulties for consumers as a result of discrepancies in promises and complex settlement processes。
There's a lot of insurance for internet purchases
Despite the fact that the night of the war between the two 11s has not yet arrived, beijing merchants have found that there is a long way to go for exclusive insurance products to be purchased online。
The highest attendance rate is in respect of refund cost insurance, which is usually purchased by the buyer or donated by the merchant, and in the case of refunds, the insurance company compensates the freight costs incurred. “a child telephone watch was bought yesterday in a live shop, and today a message was sent indicating that the refund cost insurance has been generated.” on 9 november, mingming (alias) told the beijing newspaper journalist。
From the information provided by smoo, it appears that if the seller returns the goods for exchange within 90 days of the shipment, after the approval of the poaching platform system, compensation will be paid in accordance with the insurance company's standard of settlement, and in the case of self-remittance, $12 is expected to be paid and the full amount is within $25。
In addition to freight backs, commodity quality assurance insurance has been introduced to a large extent, targeting commodity quality issues. Platform information indicates that in the event of a difference in the description of the goods received by the consumer from the commercial or a quality problem with the goods, the associated cost losses incurred by the consumer are compensable if the goods are returned or the same goods are replaced by the commercial。
However, the beijing business journalist did not receive information on the related insurance policies after he purchased commodities marked “commodity quality assurance insurance” on multiple platforms。
Journalists have called on many official guests, who have indicated that there is a need to contact businesses and that commodity quality assurance insurance is provided by businesses. However, when journalists contacted businesses, they learned that only buyers could see the policy。
The "good security service" of the skycat platform refers to a commodity promised by a skycat merchant to be purchased by a consumer on the skycat platform and, if it is confirmed that the commodity is not a “good product” upon receipt, is subject to a fourfold compensation to the consumer, in addition to the refund of the transaction. It is worth noting that the obligation to pay is borne by the business。
In the case of commodity price reductions, previously the pfp joint venture had introduced a premium insurance service, i. E., the insurance company provided the buyer with a premium recovery service within 15 days of the end of the marketing activity in which the consumer participated, if the actual transaction price was lower than the buyer's actual payment during the activity。
For special products, the platforms have also introduced “tailored” insurance products, such as black screens for electronic products and logistics damage for alcohol and water, and for dairy products in boxes. These insurance products and services cover, inter alia, price, quality, logistics, refunds, after-sales services, etc. And almost the entire network acquisition process。
How consumers choose
An insider in the electronics business told beijing newspaper reporters that consumption risks were emerging mainly because consumer consumption security was not fully guaranteed and consumers were often confronted with false propaganda, downswings and downswings. Second, the imperfection of express logistics services and the vulnerability of goods to deterioration, loss and, to some extent, increased shopping risks. As a result, consumer demand for insurance has arisen during the internet acquisition process。
In an interview with the beijing journal of commerce and industry, the head of the public security insurance service said that the problems that users might face in the shopping process were addressed through insurance products, which, on the one hand, improved the purchasing experience of consumers and the commercialization rate and operating costs of businesses, and, on the other hand, reduced shopping disputes and the operating costs of the platform through insurance risk transfer。
But do these insurance products really protect consumers? The beijing journalist found that some of the insurance products were easily and quickly insured, but that at the time of the actual settlement process, there had been a discrepancy between the promise and the reality。
For example, the amount of compensation for the reimbursement of freight backs may not fully cover transportation costs. Previously, consumer alerts issued by the beijing bank insurance inspectorate indicated that the board had received complaints from consumers about the purchase of refunds during a shopping process on a web-based purchase platform, but that, owing to the size of the commodity, the actual cost of transportation on the ground was such that insurance companies could not fully cover transport costs。
It is not easy to obtain this compensation for the “false-for-four” security, which requires the buyer to produce an appraisal report that the goods are false, but, generally speaking, branders do not provide identification services, but rather rely on sales channels to judge products from official sources, such as specialized cabinets, official networks and official flagship stores。
How, then, should consumers choose between a wide variety of consumer insurance? What should be taken into account during the insurance process? The founding member of the chinese association of actuaries, xu xu xu, suggested that most of the insurance coverage in the form of security was procured centrally by the platform and generally did not need to be purchased by consumers themselves。
With regard to insurance for special commodities, such as breakscreen and break risk, xu xuan suggested that consumers should be fully aware of the causes of damage that could be paid for and the circumstances that could not be paid for, and that consumer care should also be taken with respect to the resolution of claims and the documentation required。
A senior insurance salesman stated that consumers should take their own needs fully into account in insurance coverage, that there was a need for security to repurchase them, and that economic considerations should be taken into account and that prices should be suitable for re-purchase。
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