Auto insurance is about to expire, and it only costs more than 3,300 yuan to renew the insurance directly from the insurance company.carThe auto insurance premiums sold by dealers cost 4,500 yuan. A recent personal experience of a consumer in Chongqing exposed how car dealers use agents to sell insurance to profit from it.
In August 2006, consumer Ms. Zhang bought a Beverly Car at a car 4S shop in Nan'an District, Chongqing. In addition to buying 4,800 yuan of insurance on the spot, she also paid an insurance deposit of 2,000 yuan and signed The mortgage car purchase agreement promises to insure the designated Ping An Property Insurance Company every year within the three-year mortgage period. The insurance types covered include car damage insurance, theft and rescue, third party liability insurance, seat insurance, and exempt deductibles.
At the end of August this year, the insurance was about to expire. The car dealer notified Ms. Zhang that because she settled fewer claims last year, the insurance company will give a discount on the premium, which only costs 4,500 yuan. Just when Ms. Zhang was about to pay at the car dealership, she just received a notice from the Chongqing branch of Ping An Property and Casualty Insurance Company that the preferential price of car insurance premiums this year was more than 3,300 yuan.
Why is there a price difference of more than 1,200 yuan for buying the same type of insurance from the same insurance company? The car dealer’s explanation is that, according to the relevant regulations of the insurance company, since Ms. Zhang buys the car through a mortgage, she cannot enjoy other concessions, so the insurance premium is 4,500 yuan.
In this regard, the relevant person in charge of the Chongqing branch of Ping An Property Insurance Company immediately gave a rebuttal. The person in charge said that Ping An Insurance Company will never force consumers to purchase expensive insurance, and it has never issued similar regulations for mortgage car users. The telephone insurance program eliminates intermediate links and provides more favorable premiums. However, purchasing insurance through salespersons or agencies increases agency fees, and the price must be higher, but consumers can choose to purchase them on their own.
After the lie was exposed, the car dealer could only agree to Ms. Zhang to purchase insurance on her own. However, the dealer still kept the "first hand"-the 2000 yuan insurance deposit originally paid by Ms. Zhang can deduct the 1000 yuan premium every year. But the dealer said that because Ms. Zhang is buying insurance by herself now, the 2,000 yuan deposit can only be refunded after the mortgage expires.
Industry insiders remind consumers that now, many auto dealers sign unequal terms for mortgage car buyers, charge a deposit, and bundle high-priced insurance. In addition to earning high insurance agency fees, they even use customer deposits for profit. In this regard, consumers must be vigilant.
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