The difference between telephone auto insurance and automobile insurance

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Four misunderstandings of telephone auto insurance in the market now.

Myth 1: Telephone auto insurance is different from ordinary auto insurance. Telephone auto insurance is cheap but claims are few.

The biggest difference between telephone auto insurance and ordinary auto insurance is the sales method. As we said above, telephone auto insurance is cheaper than ordinary insurance because it saves the intermediate agency link, and the insurance company directly faces the owner and benefits the owner. However, the claims for telephone auto insurance and ordinary auto insurance are handled by insurance companies, and the surveyor is still the original team. There is no problem that telephone auto insurance claims less than ordinary insurance claims.

Myth 2: the difference between telephone auto insurance and ordinary auto insurance. The telephone number of telephone auto insurance always shows the foreign number, and it is suspected to be a liar.

According to the regulations of the China Insurance Regulatory Commission, companies with direct sales licenses for telephone auto insurance require centralized management and unified operation of telephone auto insurance sales. Therefore, telephone auto insurance generally contacts customers through the professional telephone marketing number of the insurance company. However, back-end payment, delivery and service, claims, etc. It was completed by branches of major insurance companies in various places. Therefore, the foreign number displayed by telephone auto insurance is only the area code where the insurance company's operation center is located. It cannot be said that displaying the foreign number is a liar.

Myth 3: The difference between telephone auto insurance and ordinary auto insurance is that there is a special person in charge of ordinary auto insurance, and telephone auto insurance must go to the door to get the policy.

In fact, the insurance policy of telephone auto insurance is also sent by the insurance company. For the car owner, there is no need to pick up the insurance policy in person.

Myth 4: The difference between telephone auto insurance and ordinary insurance is that ordinary insurance can buy compulsory insurance, but telephone auto insurance can't.

Compulsory traffic insurance is compulsory by law, and telephone insurance can also cover compulsory traffic insurance.

With the participation of salesmen, ordinary insurance can help car owners to handle auto insurance-related matters, such as renewal of insurance, which can avoid the worries of car owners.

To sum up, general insurance is mainly sold through salesmen, and telephone insurance is sold through electronic communication equipment such as telephones. The difference between telephone auto insurance and ordinary insurance lies in the different sales platforms and methods, and there is almost no difference in the services enjoyed. General insurance has the advantages of "human touch" and after-sales service because of the participation of salesmen. Telephone auto insurance uses its convenience and price concessions to satisfy your "unwilling to go out and stay at home" psychology.