At present, there are mainly two kinds of sales channels for insurance in China, one is to go to the local counter to purchase, and the other is to complete the purchase of the policy through the insurance company's dedicated marketing phone number. However, many riders don’t understand the difference between telephone insurance and ordinary car insurance. As a newer marketing method, many car drivers feel that they do not feel comfortable buying car insurance on the phone. Then, let's take a look at the difference between these two types of auto insurance.
In fact, in essence, the basic difference between telephone insurance and general auto insurance is that the sales channels of the two are different. In fact, the claims and service methods are the same, but this brand-new marketing method can be used by direct sales. Effectively save the manpower and material resources of insurance companies, and at the same time save a lot of intermediate links, so the two will also show significant differences in price.
Judging from the provisions of the National Insurance Regulatory Commission, the biggest difference between telephone insurance and ordinary auto insurance is the purchase price. Telephone insurance prices are much cheaper. According to the relevant regulations, telephone insurance can be reduced by a 70% discount. 15%, this gives the riders a higher discount.
With the introduction of discounted sales of ordinary auto insurance policies into the category of self-regulation in the industry in recent years, this means that the more affordable phone insurance has a broader development opportunity. Insurers also save on the cost of agents, making insurance companies profitable even on a 15% basis.
Compared with the general auto insurance, the telephone insurance price is more transparent and open, and because it uses a centralized and centralized operation, the quotation is more standardized, and the handling of telephone insurance is also more convenient, even in the part of our country. The district has also achieved the success of staying at home without leaving home. These are the differences between the phone insurance and the ordinary car insurance that are shared today with the riders!
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