Car owners want to buy insurance, but found by lock insurance companies and other prevarication resp viper12a

The owner wants to Car Buying found insurance is "locked" insurance companies to shirk their responsibility insurance expires, Ms. Cheng people are ready for the car to buy insurance, but were told that their car insurance has long been a staff member of the PICC ahead of the "single lock", if not unlock will not make a purchase. What is the purpose of PICC (hereinafter referred to as "PICC") without any authorization? What does "lock list" mean? The car has been opened for nearly 1 years, and the auto insurance will expire in November 25th. So, a friend of the insurance company is contacted by a friend and ready to buy insurance for the next 1 years. In November 13th, when the salesman gave Ms. Cheng a single, the system showed "repeat insurance". The original insurance policy has been insured "lock list", the car has been stored in the pre confirmation records, the insurance period is November 26, 2016 00:00 – November 25, 2017 23:59. The salesman said, "lock list", he can not operate, must be unlocked after the line." In this regard, Ms. Cheng puzzled all at sea, "single lock" is the first time I heard, what Paul without her consent without the "lock", and what is the purpose of doing so? According to Ms. Cheng introduced, there are a number of insurance company salesman call last month, they sell insurance, but she did not confirm the PICC also sent two messages, one to inform its last year’s insurance purchase amount is 6000 yuan, the other is the vehicle insurance will expire in November. Do not explain the reasons but continue to sell 14 at about 1 p.m., Ms. Cheng made a telephone complaint to the person, the answer is if you do not buy, you can revoke, "can undo is one thing, but I want to know is why there is no contact on the ‘lock’?"" On the morning of the 15 day, Ms. Cheng received the information of PICC and asked if anyone had handled her complaint. If she didn’t reply to "1", Ms. Cheng replied "1" according to the operation". After receiving a claim to be Yangpu PICC salesman (work number 1231130058) calls. The salesman called it the policy of locking Ms. Cheng, but did not explain why the "lock list", but strongly recommend their company’s insurance policy, and put forward a number of favorable conditions. "Why did you lock my insurance policy and didn’t ask me before? How did I get my information?"" Ms. Cheng questions. In this regard, the other party said, others let him do insurance orders amount, and let him "lock"". "Who made the lock?" Ms. Cheng asked. In this regard, the salesman avoided and said: "you have no loss, no loss, I help you unlock, cancel the order just fine."." The clerk again to evade the crucial point Ms. Cheng very angry, in her opinion, "if the people’s Insurance in insurance before the expiration of one or two days I unlocked it, too late to go to another company insured. And there have been several insurance companies contacted me before, each of the concessions are not the same, because of the unauthorized protection of the "lock" behavior, resulting in I can not be insured, this is not a loss?" Finally, under the strong request of Ms. Cheng, the above-mentioned staff members were cancelled

车主欲购车险却发现被“锁单” 保险公司等推诿责任 车险即将到期,市民程女士准备为爱车重新选购车险时,却被告知其车险早已被人保财险公司的一名业务员提前“锁单”了,如不能解锁将无法进行购买。没有任何授权就擅自“锁单”,人保财险公司(以下简称“人保”)的目的又是什么?“锁单”又意味着什么?已在人保存在预确认记录程女士的车开了近1年,车险即将于11月25日到期,于是通过朋友联系了一家保险公司业务员准备购买接下来1年的保险。11月13日,该业务员在帮程女士出单时,系统却显示“重复投保”,原来其保单早已被人保“锁单”,该车已在人保存在预确认记录,保险期限是2016年11月26日00:00—2017年11月25日23:59。“业务员说,‘锁单’后他就没办法进行操作,必须要解锁后才行。”对此,程女士丈二和尚摸不着头脑,“锁单”一词还是第一次听说,人保凭什么未经她同意就擅自“锁单”,这么做的目的又是什么?据程女士介绍,上个月有多家保险公司业务员打来电话,推销他们的保险,但她都没有确认,其中人保也发来两条短信,一条告知其去年的保险订单购买额度为6000元,另一条则是其车辆保险将于11月份到期。不解释原因却继续推销14日下午1点左右,程女士向人保进行了电话投诉,得到的答复是如果不买的话可以进行撤销,“能够撤销是一回事,但我更想知道的是为什么没有联系就‘锁单’?”15日早上,程女士又接到了人保的信息,询问其是否有人处理了她的投诉,如没有请回复“1”,程女士按照操作回复了“1”。之后就接到了自称是杨浦人保业务员(工号1231130058)的来电。该业务员称就是其锁了程女士的保单,但是并没有解释为何“锁单”,反而极力推荐自己公司的保单,并提出了不少优惠条件。“你为什么要锁我的保单,事先也没有询问过我,怎么获得我的信息的?”程女士质问。对此,对方表示,别人让他做的保险订单额度,并让他“锁单”。“是谁让锁的?”程女士追问。对此,该业务员避而不答,还满不在乎地说:“你有没有损失,没有损失我帮你解锁,撤销订单就好了呀。”业务员一次次避重就轻令程女士非常气愤,在她看来,“假如人保在我车险到期前一两天才取消锁定,那我就来不及去别家公司投保了。而且之前有好几家保险公司联系过我,每一家的优惠都不一样,因为人保的擅自‘锁单’行为,导致我无法投保,这难道不是损失吗?”最后在程女士的强烈要求下,上述工作人员才取消了保险锁定。各方“踢皮球”不愿担责尽管杨浦人保业务员承认“锁单”是其所为,但是谁指使他这么做的?保险公司的操作方式究竟是否合法?自己的信息是如何泄露的?程女士心中的疑惑越来越多。对此,人保的工作人员解释,业务员如需建立保单,需要提供车主的个人身份证信息及车辆行驶证信息等。最初是一家叫唯佳的经纪公司拿了程女士车辆的信息,叫人保杨浦支公司帮助购买保险,公司才安排了业务员跟进,从而形成了“锁单”。记者随后又联系了唯佳经纪公司,一名不愿透露姓名的工作人员解释,公司与多家4S店有合作,平时的流程是4S店提供顾客的信息后,就直接向保险公司下单。“我们是接到4S店的信息后才会操作的,这中间可能产生了误会。我们不会强买强卖的。钱在顾客手上,还没付钱,保单也出不来。”程女士购车的4S店则表示,程女士的车辆保单去年就是通过该店购买的,今年也曾进行过资询,也表示过想购买人保的车险,可能是工作人员在操作上存在失误,在没有确认的情况下,提前准备下单造成。“锁单”前,业务员无需向车主进行电话确认吗?对此,人保工作人员表示,自推出“电话保险”后,在信息安全的情况下,允许业务员进行预操作,但需收到支付款后才能正式“出单”,并通过短信的方式通知客户。“公司有明文规定,不允许为拉业务私自‘锁单’,如查实公司会进行处罚。”[业内揭秘]“锁单”并不鲜见,实质是违规占单何先生是一家知名保险公司车险部门的负责人,据其介绍,“锁单”在业内被称为“占单”。“一个客户可能会有好几家公司的业务员来联系,但其中的一个在保险系统里暂存好了保单,然而,一旦交强险被存单锁定后,其他保险公司业务员就没办法再做了,如此就可以减少竞争,把业务拿到自己手里。”何先生解释,近年来车险业务成为各家财险公司竞争的焦点之一,为争抢业务而产生的违规行为花样繁多。财险公司通过各种渠道获得车主的核心信息,从而在交强险平台提前出单,“迫使”车主在自家公司投保。车主虽然可以要求撤单,但肯定不是一个电话就能解决,因此大多忍气吞声就此投保,由此产生的投诉时有发生。“前几年这种情况相对多点,现在保监会查得严,而且保险公司也抓得紧了,‘锁单’相对少了许多。”何先生说。那么,怎样保护个人信息避免遭遇“锁单”呢?何先生表示,在车险询价过程中,只需要告知车型、车龄、理赔记录以及所需险种即可,完全不用告知自己的身份证号码等信息。“如果车主在投保时遇到了被‘锁单’的情况,除可向相关保险公司进行投诉外,还可以向交强险平台进行投诉,并要求‘锁单’的保险公司进行撤单。”[律师说法]故意“锁单”侵害消费者自由选择权北京观韬中茂(上海)律师事务所律师葛志浩认为,“锁单”的行为,看似没有给消费者带来实际上的损失,但此行为已涉嫌侵害了消费者的自由选择权。“锁单”没有得到消费者的确认首肯,还给消费者的自愿消费过程造成了阻碍。“如果车主是在保期的最后一天才发现此情况,造成无法即时完成新的保单购买,在此期间又发生意外的话,那车主完全可以向‘锁单’的保险公司及业务员追责。”葛志浩举例说,有家保险公司的业务员,利用不能重复办理交强险的规定,在没有通知确认的情况下,提前给车主出了保单,再行向车主要钱,遭到了拒绝,最后只能走退保手续。而退保后个人记录会发生变化,不能享受无赔付续保的折扣优惠,最后业务员和保险公司均被告上了法院,车主赢了官司。“一方面,车主要保护好个人信息;另一方面,从道德角度来说,保险公司‘锁单’后如被消费者发现,势必会产生不信任感,所以靠‘锁单’的做法增加业务,也许会丢失更多客户。” 这个车险不买不行 你知道原因吗? (该视频仅供延展)动动手指,随时查询交通违法! 扫一扫下方二维码,关注腾讯大申网! 欢迎关注腾讯大申网微信(微信号:dashenw)相关的主题文章: