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车险涨价了?没有!只是油卡购物卡等礼品减少了

2018年09月01日 09:20来源:网络整理手机版

“胡老师,您好,你的车险在8月20日到期,我们公司可以给你提供一份详细的保险清单……”“何老师,你的车险快到期,现在续保有大的优惠,过9月1日,保险要上涨10至20%哟!”……

从7月底,很多车险要到期的车主,都接到了很多保险公司业务员的电话,就一个意思:7月31日前续保,优惠多还送礼。8月1日起,车险要涨价10至20%。

记者通过调查发现,其实车辆的保险价格没变,变的是返给车主的油卡、购物卡等礼品少了。

  续保没拿到油卡

8月14日16时,渝BWT8XX车主胡某,到某保险公司缴纳了车辆2019年的保险。“早知道保险真的要涨价,我就应该听业务员的话,河南日报,在他们那里续保了,还可以领到油卡。”

胡先生有一辆丰田轿车,购于2013年8月。“每年的保险费用在2500元左右,优惠540元,还送500元油卡和工具箱等礼品。”胡说,7月底,他接到了多家保险公司的业务员电话,说8月1日续保要涨价,还没有优惠,“我一直认为这些都是业务员的套路,就是想让我在他们那里续保。”他说,听多了套路,突然来一个真的,反而不相信了。现在的保费还是2500多元,但没有油卡、工具箱、购买卡等礼品。最后,业务员看他很失落的样子,自己出钱送了他一盒毛巾,价格29.8元。相比优惠的540元和500元实打实的油卡,胡先生相当于多支付了保险970.2元钱。

类似的情况还有很多,大多数车主都认为是业务员的“套路”,没有想到事情是真的。

  商业车险统一手续费率

保险公司、业务员、车险代理商为什么要疯狂出单?

这和银保监会发布的《关于商业车险费率监管有关要求的通知》(以下简称《通知》)有关。以前,车主习惯买车险返现、送油卡、礼品等这样的福利。而且很多车主都是多家保险公司来来回回多次比较,哪家保险公司返现多、送油卡、礼品多,就在哪里买车险。

重庆某车辆保险代理商顾先生告诉记者,实际上,车主得到的返现、油卡、礼品等,都来自保险公司给的手续费,它们是保险公司支付给中介和代理人的佣金。“佣金的比例从20%到40%不等。”他说,中介和代理人将大部分佣金给了车主,这样保险公司有了保单,中介和代理人提成赚了钱,车主又得到了油卡、礼品等,三方高兴。

“但是这有一个很大的隐患,就是保险公司支付给中介和代理人的佣金比例越高,保险卖得是好,最后演变成全行业的价格战。”他说,愈演愈烈的价格战导致营销成本越来越高,保险公司出现亏损,保险理赔服务大打折扣,煤炭局,最终受害的,还是车主。

某保险公司保险代理员左先生告诉记者,以前的商业车险手续费率一般是30至40%之间。“公司给的手续费(即佣金),由代理员、业务员灵活处理,你可以全部返现给车主,也可以返现一部分,再送礼品。”左说,公司现在给的政策在20%或25%之间,而且是包干所有费用。即商业车险手续费率最多将减少一半,这将实实在在影响车主的实际保费支出。

“8月1日,说车险涨价了,其实是优惠少了。”他说,即现在的车险没有返现,没有油卡、礼品等。比如以前你的车险是2500元,返现20%,即500元,还有400元油卡。现在没有20%的返现,就需要缴纳足额的车险2500元。

  相关新闻

  银保监发通知规范车险市场

记者在银保监官网看到,银保监7月20日发布《关于商业车险费率监管有关要求的通知》,《通知》中规定各财产保险公司制定费率方案应严格遵循合理、公平、充足的原则,不得以任何形式开展不正当竞争。还要求各财产保险公司应报送手续费的取值范围和使用规则,《通知》所指手续费为向保险中介机构和个人代理人(营销员)支付的所有费用,包括手续费、服务费、推广费、薪酬、绩效、奖金、佣金等。

某保险公司负责人说,这次银保监给出的规定的确是史上最严的,有责任书,还有精算评估意见,以及费率方案表。如果没有严格按照这个政策执行,保险公司和负责车险的领导将面临严重的处罚。(记者 郑三波 实习生 韩雪征)

(责编:赵爽、仝宗莉)

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