Insurance knowledge: online car insurance is actually a phishing promotion

Citizen Ms. Zhao recently called this newspaper to say that the online software that insurance companies use to calculate auto insurance costs for car owners, in addition to requesting vehicle information, also forcibly require car owners to fill in personal information such as name and mobile phone, otherwise the calculation results cannot be viewed. But after filling in the personal information, the phone immediately became a sales hotline, which was troublesome. Legal experts said yesterday that insurance companies should be held responsible for disclosing car owner information, but in order to avoid such incidents, car owners should not trust network software and ignore their unreasonable requests for personal information to avoid phishing.

Forcibly retain the owner's information to post sales advertisements

Recently, when Ms. Zhao opened the Baidu News webpage, she found that a dialog box appeared on the right side of the webpage, which was a network software "Precise Auto Insurance Calculator" launched by an insurance company. Ms. Zhao’s auto insurance is about to expire and she is about to buy a new auto insurance, so she clicks on this dialog box and is about to try the "goodness" of this calculator. To get the results of auto insurance costs, this calculator requires the car owner to first fill in personal information, including the owner's name, mobile phone number, email address, and so on. After filling in all of them, the car owner can enter the page showing the amount of car insurance. What's more, after filling in the mobile phone number and email address, Ms. Zhao immediately received text messages and email advertisements from the insurance company recommending the purchase of auto insurance. "Dare to calculate car insurance for nothing is for this." Ms. Zhao said.

At present, there are a large number of auto insurance calculation software launched by some insurance companies on the Internet, all of which need to fill in vehicle information and personal information. The author experienced a car insurance calculator provided by an insurance company last Saturday and entered the real mobile phone number.

Between 10 am and 11 am yesterday, the customer service number of the insurance company called the author's mobile phone six times, and three salesmen with different job numbers also sent text messages to the author, requesting to provide the author with auto insurance consulting services. The author got in touch with one of the business personnel and asked where the other party knew the author’s mobile phone number. The other party said it came from the auto insurance calculator, and promised that the author’s contact information was only included on the insurance company’s internal platform, and the internal staff could See.

The salesperson also told the author that they provide one-to-one service. If another salesperson finds the author, the author can refuse on the grounds of "car insurance has been processed".

No need to disclose personal information for car insurance

"Is the calculation of auto insurance directly related to the filling of personal data?" Many car owners who have encountered mandatory personal data filling problems when using related software have raised such questions. The owner of the car, Mr. Liu, believes that his use of the online car insurance calculator was originally simple and convenient. Personal information can be filled in selectively, but it should not be forced to be filled in with the vehicle information.

"The calculation of auto insurance has nothing to do with personal information." The author dialed the customer service number of an insurance company in the name of insurance, and the customer service staff clearly told the author. Subsequently, after listening to the author's information about the model, the purchase price of the car, the service life of the car, and the annual wear and tear, the customer service staff immediately provided the author with the relevant quotation of the auto insurance cost.

If the information leaks, the insurance company will be held accountable

The author randomly investigated 20 car owners who have used auto insurance calculators. Ninety percent of car owners believe that the calculator requires car owners to fill in vehicle information and personal information, and then use the personal information filled in by the car owners to promote car insurance. There are fishing for personal privacy. Suspicion.

Legal expert Wang Hanyong pointed out that the current law does not clearly stipulate the behavior of phishing to obtain personal privacy. However, if the insurance company discloses the personal information of the car owner in its possession to others, causing unnecessary trouble to the car owner, it is illegal.

Citizen Ms. He has used both the auto insurance calculation and real estate appraisal calculators.