What is Internet car insurance and what is Internet insurance?

1. There is currently no accurate and professional definition of Internet car insurance and specific types of insurance, but it only refers to the way of using the Internet to pay for insurance.

2. According to the statistics of the China Insurance Association, in 2015, property insurance companies achieved premiums of 100 million yuan through mobile terminals (APP, WAP and WeChat, etc.), accounting for 100 million yuan. Among them, 24 property insurance companies, including China Life Property Insurance, Ping An Property Insurance, Dadi Property Insurance, Yongcheng Property Insurance, and PICC Property Insurance, have achieved premiums of 100 million yuan through the WeChat platform; 10 property insurance companies, including Ping An Property Insurance, PICC Property Insurance, China United Property Insurance, Tianan Property Insurance, and Pacific Property Insurance, have achieved premiums of 100 million yuan through APP WAP.

3. Therefore, the types of insurance mainly include traditional types of insurance, as follows:

1) Three-party insurance.

2) Car damage insurance.

3) Driver insurance.

4) Theft and rescue.

5) Glass insurance.

6) Scratch insurance.

7) Spontaneous combustion insurance.

8) Deductible is not included.

4. Of course, since Internet insurance has only recently emerged, there is a temporary lack of supporting regulatory measures. Therefore, although relying on platforms such as apps, products such as parking insurance with daily billing have appeared in the Internet market, some of these insurance types and development companies have not obtained insurance development qualifications, and some are purely publicity gimmicks.

5. Therefore, car owners should check the formal qualifications of the property insurance company and whether the insurance products have been formally certified and authorized when purchasing online car insurance products.

The most preferential insurance, Ping An good car insurance, onion car insurance, e-driving day insurance, clover car insurance, mileage insurance, etc., there are many more.

Internet insurance is an emerging insurance marketing model with computer Internet as the media, which is different from the traditional insurance marketing model. In layman's terms, with the development of the Internet industry, insurance companies or third-party insurance networks use Internet or e-commerce technology to operate, sell, and advertise their own products, which is a benign mutual assistance between industries. To a certain extent, Internet insurance has realized the networking of the whole process of insurance such as insurance information consultation, insurance plan design, insurance application, payment, underwriting, underwriting, and policy information inquiry, which not only allows users to choose insurance without leaving home, but also facilitates the internal industrial management of insurance companies.

The existence of Internet insurance is convenient for users to inquire about insurance by themselves, and at the same time, it can also realize the comparison between the products of multiple insurance companies through the network, which is a very convenient experience for users. At the same time, according to the relevant regulations, the premium of the product on the Internet insurance must be clear, and the corresponding protection conditions in the product will be clearly displayed in front of the customer, so that the user can understand the rights and interests contained in the product at the first time. This regulation makes insurance products fully transparent in front of users, improves the situation that customers do not know much about the products in the traditional insurance sales method, and effectively reduces the surrender rate.

At the same time, the flow of information on the Internet is faster than that of traditional insurance, which means that it will be more convenient and faster for both user consultation and related claims. As an emerging industry, because the way of Internet sales reduces some of the sales costs for the company, various insurance companies will have many preferential policies in the Internet insurance business. <>

In general, the development space of the Internet insurance industry is very large, with the progress of various Internet technologies, as well as the improvement of the Internet sales system, I think the industry will get better and better. If I need to know about the insurance products I have purchased, I will definitely experience the convenience that Internet insurance brings to us.

With the continuous development of the Internet industry, all walks of life are enjoying the dividends brought by the Internet. Of course, the insurance industry is no exception, many companies have also launched Internet insurance, Internet insurance is also online insurance, what is the difference between it and traditional insurance? <>

What is Internet InsuranceInternet insurance is also known as online insurance, which is to buy insurance on the Internet. Generally, offline insurance companies will establish their own ** or carry out a series of cooperation with third-party platforms, through the display of products on the Internet, the insurance information, consultation, payment, policy information inquiry, renewal payment and a series of processes required for the purchase of insurance are all carried out on the Internet, so that customers can also complete the purchase of insurance on the Internet. Internet insurance is a new sales channel for insurance companies, and in the context of the era of big data, insurance companies have made corresponding changes, which is also in line with the development of the times.

The most significant difference between Internet insurance and traditional insurance is that the procedures for the two types of insurance are different, a series of procedures for Internet insurance can be completed online by customers on the Internet, while traditional insurance requires the insurer to go to the nearest processing point for processing. At the same time, Internet insurance will also greatly reduce the cost of insurance companies, Internet insurance only requires customers to fill in a series of independent information on the network, and there is no need to manually guide to fill in the information. In addition, there are also big differences between Internet insurance and traditional insurance in terms of insurance types and audiences.

Internet insurance platforms choose Internet insurance as a new type of insurance model, and customers should be very cautious in the choice of platforms, after all, not all Internet insurance sales platforms will be certified and filed by the China Insurance Regulatory Commission. You can choose some online self-operated platforms of insurance companies, such brands are all traditional brands, but the sales model has become online, and the credibility is still very high. In addition, you can also go to the self-operated platforms of some insurance intermediary companies to purchase insurance, which are approved by relevant institutions with relevant documents.

Internet insurance, as the name suggests, is the networking of insurance business, that is, the networking of the whole process of insurance business, such as insurance consultation, insurance application, policy inquiry, policy change, renewal payment, and claims.

It is just an emerging insurance marketing model with the Internet as the medium, and Internet insurance is also an economic behavior to manage the economy.

Whether online or offline, once you sign a contract, this insurance product is protected by law.

So how do you buy insurance online to be safe?

How can I buy reliable insurance online? 》

Advantage 1 of Internet insurance: cost-effective.

Internet insurance is mainly a cost-effective insurance product. For the same type of protection products, the premium paid online is 40-60% cheaper than offline; The content of the guarantee has also been innovated, and the guarantee is more comprehensive.

Advantage 2 of Internet insurance: convenient and fast.

The advantage of the Internet is that it is fast and convenient. If you buy insurance online, you can fill in the information directly through the Internet to place an order for the product, and then the electronic policy will also be sent to the personal mailbox.

What should a good online insurance platform look like?

A good insurance consulting platform must meet 3 requirements! 》

Advantage 3 of Internet insurance: Rich choices. It is a good thing that insurance can adapt to the development of the times and create its own marketing method, and the most important thing for online insurance is the convenience of our customers themselves.

Therefore, you can rest assured that you can buy Internet insurance.

"Don't wait for insurance to know these knowledge points! 》

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

According to the Measures for the Supervision of Internet Insurance Business of Insurance ** and Brokerage Companies (for Trial Implementation), the qualifications for Internet insurance business are as follows:

1. Insurance companies and brokerage companies carrying out Internet insurance business shall meet the following conditions:

1) Have a sound Internet insurance business management system;

2) Have reasonable operating procedures for Internet insurance business;

3) The registered capital shall not be less than RMB 10 million, and the business area shall not be limited to the province, autonomous region or municipality directly under the Central Government where the place of registration is located;

Four trapped sweet potatoes) other conditions stipulated by the China Insurance Regulatory Commission.

1) Obtain a value-added telecommunications business license for Internet information services issued by the competent department for the Internet industry in accordance with law, or complete the filing with the competent department for the Internet industry;

2) **The place of access is within the territory of the People's Republic of China;

3) There is an e-commerce system suitable for the development of Internet insurance business, which can realize the real-time connection between all the insurance information of the policyholder and the core business system of the insurance company;

4) Have a sound network information security management system and security technology, with firewalls, intrusion detection, encryption, third-party electronic authentication, data backup and other functions;

E) other conditions stipulated by the China Insurance Regulatory Commission.

Extended reading: [Insurance] How to buy Wang, which one is better, teach you to avoid these insurance"pits"

There is no such insurance.

Because no matter how many times you drive, the probability of getting out of danger every time you go on the road is the same as that of a car running on the road every day. It's like buying a lottery ticket, the odds of winning if you buy it once every six months are the same as the odds of winning if you buy it once every day.

Purchase steps: 1. Log in to the regular**: When the owner buys car insurance, it is best to buy it at a fixed insurance sales outlet to prevent it from entering the illegal **or fishing** purchase, which will only make you lose your property. Be sure to look at ** before buying, go to the official website of the insurance company to buy.

2. Check the terms: After determining the purchase of insurance, you must pay attention to the terms of each car insurance contract, according to the author's understanding, many car owners do not carefully read the terms of the habit when buying car insurance online.

3. Approve the policy: There is a difference between buying car insurance online and interviewing, and you must pay attention to the approval of the policy when buying insurance.

4. File key Zen remittance: At present, online car insurance is paid by bank transfer. The premiums are directly deposited into the designated account of the insurance company, so as to avoid the ** person from embezzling the premium.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Car Insurance Renewal Notes:

1. "Renewal of car insurance" cannot be delayed.

The owner of the car pays attention to the date of the expiration of the car insurance every year, otherwise the vehicle will be insured when the insurance expires, and the car will not be covered. In addition, after the car owner gets the insurance policy, he must be extra careful about the insurance start date and renew the insurance in time when it expires. So as not to bury hidden dangers for claims.

2. Choose a suitable renewal plan.

Clause. First, if the vehicle is about to be scrapped, then it is not cost-effective to invest in too many types of insurance, but it does not mean that you should not be insured, such as compulsory traffic insurance and third-party liability insurance are still very necessary.

Clause. Second, if the owner's driving skills are very good, usually pay attention to the maintenance and safety protection of the vehicle, can maintain the owner of the car without accidents during the insurance period, and the value of the vehicle is not high, and the economy is not rich, you can choose to renew the relative insurance. For example:

Compulsory traffic insurance, car damage insurance, deductible insurance, etc.

Clause. 3. If the owner is a novice who has just obtained a driver's license, there will often be some minor accidents during the driving process, and according to the specific situation of the vehicle, you can increase or decrease additional insurance protection on the basic cover of the basic insurance. When applying for insurance, we should try to make comparisons and comprehensively compare the insurance items of various companies.

3. It is best to purchase the premium in full.

Because at present, when the owner renews the insurance, the insurance company will generally provide two types of renewal coverage, one is to renew the insurance according to the purchase of the new car, and the other is to renew the insurance according to the actual value of the car by removing the depreciation cost of the car.

If the car owner renews the car insurance based on the value of the car, it is actually equivalent to the car owner acknowledging that the insured amount of all auto parts is based on their depreciation value. When the car is damaged in insurance, the insurance company can only give the corresponding compensation according to the ratio of the actual value to the new car, and the insufficient part must be borne by the owner. In order to maximize your claim rights, it is recommended that you should purchase car insurance based on the purchase price of the new car when renewing the insurance.

4. It should be emphasized that in addition to the prevention of risks, if the car has not been insured in the previous year, the cost of the next year will be reduced, and you can enjoy discounts while getting the same protection, so it is very necessary and very affordable to renew car insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

To buy insurance, we usually go down to the insurance broker to understand clearly, recognize and read the terms and conditions clearly, and then pay for the purchase. Internet insurance has emerged with the trend of the times, so what are the advantages of buying Internet insurance? Here's a look at them one by one.

What are the advantages of internet insurance.

Internet insurance allows customers to choose their own products. Compared with the traditional way of insurance promotion, customers can compare the products of multiple insurance companies, the premium is transparent, and the protection rights and interests are also clear and clear, which can greatly reduce the surrender rate of traditional insurance sales.

More convenient in terms of service. If you want to say what are the advantages of Internet insurance, online ** product consultation, electronic policy delivery to the mailbox, etc. can be completed by clicking the mouse is an advantage, but this can also be said to be a disadvantage, after all, everything is carried out online, and you dare not guarantee that the answer to the consultation must be correct.

Claims made easy. The Internet has made it easier to apply for insurance, information flows faster, and it has also made it less difficult for customers to settle claims. As for the advantages of Internet insurance, only by making sure that the Internet insurance you buy is genuine, and there are no problems in the front.

Insurers can also benefit a lot from internet insurance. First of all, through the network, we can promote the accelerated development of the traditional insurance industry, so that the selection of insurance types, the design and sales of spring insurance plans and other aspects of the cost can be reduced, which is conducive to improving the operating efficiency of insurance companies. According to relevant statistics, it is 58% to 71% less expensive to provide insurance policies or services to customers through the Internet** than traditional marketing methods.

This is the introduction of what advantages Internet insurance has, but as mentioned earlier, there are advantages and disadvantages, so after knowing what advantages Internet insurance has, you also need to learn to distinguish the authenticity of Internet insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"