Why is the claim unsuccessful for the shipping insurance with a successful refund?

The reason why the freight insurance claim with a successful refund is unsuccessful is that the freight insurance has a claim condition, and the following conditions must be met to get the freight claim, and the freight insurance claim has nothing to do with the refund reason selected when returning the product. The conditions for the claim of freight insurance are as follows:

1) The order has successfully insured freight insurance (including self-purchase and gift from the seller);

2) The replacement order after confirming the receipt of the goods does not support the initiation of a claim for the time being; From September 4, 2019, the freight insurance will be upgraded, and the new policy can also initiate a claim for the return and refund order after the receipt of the goods is confirmed;

3) After the seller agrees to the buyer's refund application, it needs to fill in the correct return tracking number, if the tracking number is not filled in or the tracking number is filled in incorrectly, the claim will not be obtained;

4) After the refund shows "Refund Successful", the insurance company will process it within 72 hours, and the claim amount will be directly refunded to your Alipay account balance after confirming the claim, and the buyer does not need to do anything.

1. During the refund operation, the buyer did not select "Received goods" and "I need to return the goods"; Instead, you select "Didn't receive the goods" or "No return required";

2. If the correct logistics company and waybill number are not submitted, the insurance company will refuse to pay compensation during the review; It is recommended that the buyer resubmit the logistics bill and order number to the insurance company for review.

3. Duplicate claims. For the same seller's products, buyers purchase multiple orders separately and purchase multiple shipping insurance; However, when returning, if the two orders are not returned separately, but the goods of the two orders are returned with a logistics tracking number, you can only get a claim payment (the one that is confirmed by the seller to return the first will receive a claim), because the basic principle of claim settlement is limited to the actual loss and the insured amount.

After the return is successful, the insurance company will review the order, whether it can give a claim, the order review time is 72 hours, please wait patiently.

4. If the transaction has been successful, the return and refund generated after the buyer initiates after-sales rights protection is not within the scope of freight insurance. At present, the freight insurance only covers the return and refund initiated when the transaction is not completed, and the resulting return freight loss will be compensated.

6. If the claim is not made due to the above reasons, it is recommended that you provide the order number, return logistics certificate, contact**, etc., and contact the insurance company for consultation through the following methods, and the claims specialist will deal with it for you in time.

Dr. Kang tells you in 1 minute: how to refund the freight insurance.

**The "Delete" option will only appear after the order status is displayed "Deal Successful" or "Deal Closed". After "Transaction Successful" or "Transaction Closed", the freight insurance will be invalidated. Therefore, the shipping insurance for ** orders that can be deleted is invalid.

Freight insurance is verified and paid by the shipping insurance company within 72 hours after the refund is successful, and if the money is made.

If the receipt is confirmed, even if the goods are returned later, the shipping insurance fee will be invalid and cannot be recovered. Return insurance.

The premise of the fee is to choose a refund first. After the refund is successful, the insurance company will approve and process it within 72 hours, and the compensation amount will be directly paid to the buyer's Alipay account after the claim is confirmed.

1. If the freight is compensated, it will not be paid in full, but the insurance company will pay the corresponding proportion of the amount according to the order. Lead destruction.

2. Freight insurance.

The reimbursement does not matter what the reason for the return. As long as there is a return order, if the shipping insurance is on, it will be compensated. Shipping insurance only covers the cost of return shipping.

3. If it is an exchange, the order has not been refunded and there is no return, so it will not be compensated.

4. After the return is successful, the insurance company will directly handle the refund freight from the Internet, and no operation is required.

Note: If you have not received the freight insurance for more than 72 hours, you can consult the customer service first.

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

**The claim method for return shipping insurance is as follows:1. After the purchaser purchases the goods, if he chooses to send it back by himself, the system will automatically initiate a claim, and the amount obtained from the claim will be automatically transferred to the Alipay account bound to Taoyuan Tuanbao.

2. If you choose to send goods from the rookie door to door or post station, it will be paid in advance by Tmall and Cainiao advance payment account, and the payment will be automatically deducted, and the payment will not be made again to the bound Alipay.

The function of return shipping insurance is that when the buyer returns the goods and the refund is successful, the insurance can compensate for the return freight, but the return shipping fee is a fixed amount calculated by the insurance company according to the distance between the two places, and will not change according to the actual return shipping cost.

The claim process for return shipping insurance is as follows:

The buyer clicks "Apply for Refund", after the seller agrees to the buyer's refund operation, the buyer only needs to fill in the correct information such as "logistics company" and "logistics tracking number" in the **online return process, and after the refund of the transaction is over, the system will automatically initiate a claim application, and the insurance company will approve the processing within 72 hours, and the compensation amount will be paid directly to the buyer's Alipay account after the claim is confirmed. Buyers can click on "Return Insurance" in the corresponding order in the "Purchased Treasures" to view the insurance details and understand the progress of the claim. After the claim is successfully settled, you can view it under the "Income and Expenditure Details" menu in your Alipay account.

Extended Resources: Return Freight Insurance Claim Criteria and Considerations.

According to the distance between the buyer's place of receipt and the seller's place of return, the amount of compensation is determined, and the maximum compensation is 18 yuan. Product Quality Law.

Article 40: In any of the following circumstances, the seller shall be responsible for repairing, replacing, and returning the product, and the seller shall compensate for the loss caused to the consumer who purchased the product: 1does not have the performance that the product should have without explaining it in advance; 2.

does not comply with the product standards indicated on the product or its packaging; 3.It does not conform to the quality status indicated by product descriptions, physical samples, etc. After the seller is responsible for repairing, replacing, returning the goods, and compensating for losses in accordance with the provisions of the preceding paragraph, if it is the responsibility of the producer or the responsibility of other sellers (hereinafter referred to as suppliers) who provide products to the seller, the seller has the right to recover from the producer and the supplier.

If the seller fails to repair, replace, return or compensate for losses in accordance with the provisions of the first paragraph, the product quality supervision department or the administrative department for industry and commerce shall be responsible for it.

Order corrections. A contract of sale between producers, sellers, and producers and sellers.

If there are different provisions in the contract, the parties to the contract shall execute it in accordance with the contract.

When returning the goods, you need to pay attention to the following matters: 1. When returning the goods, you need to pay the freight first, and you must send the express order number.

and the courier company to fill in the refund process and do not fill in the wrong information, otherwise the insurance company will not pay; 2. Within 72 hours, the insurance company will send the fixed amount of freight to your Alipay, and there will be a notice at that time, and the specific amount of compensation can be returned in the order.

can be seen. 3. If you need to return the goods, you must not confirm the receipt, otherwise the freight insurance will be invalid.

PurchaseFreight insuranceIf there is a return, then you can apply for a freight claim, and the specific claim process is as follows:

Buyer before confirming the receipt of the goodsInitiate a request for a refund for a returnNote: The return request needs to be made after the goods are signedWithin 7 daysFinished;

After the seller agrees to your refund requestSend the item back and fill in the return tracking number, when the seller confirms the receipt of the goods and agrees to refund, the transaction status will change to the successful refund of Soqingzhi;

After the refund is successful, the insurance company will willReview within 72 hoursIf you pass the review, you can get the claim payment, and the claim amount will be paid to your Alipay account by yourself. The specific claim amount is calculated based on the direct distance between the two places and the weight of the goods10-25 yuanBetween.

If you buy some valuables online, or you can't get the size of the clothes you buy, then you can choose to buy a shipping insurance, so that when you return the goods, the freight can be compensated by the freight insurance, which can reduce losses for buyers.

1. How to pay for the return of freight insurance.

1. The payment method for returning goods with freight insurance is as follows:

1) The buyer takes a picture of the product with freight insurance, and the policy will automatically take effect when the product is paid;

2) Before the receipt of the goods is confirmed, the buyer can initiate a claim;

3) After the seller agrees to the buyer's return application, the buyer needs to fill in the tracking number of the returned product within 7 days;

4) After the seller confirms receipt of the returned goods, the refund of the goods will be refunded to the buyer first;

5) After the refund of the product is successful, the system will initiate an automatic review within 72 hours.

2. Legal basis: Article 48 of the Insurance Law of the People's Republic of China.

At the time of the occurrence of an insured event, if the insured does not have an insurance interest in the subject matter of the insurance, he shall not claim compensation from the insurer.

Article 49.

If the subject matter of insurance is transferred, the transferee of the subject matter of insurance inherits the rights and obligations of the insured.

In the case of the transfer of the subject matter of insurance, the insured or the transferee shall notify the insurer in a timely manner, except for the cargo transportation insurance contract and the contract otherwise agreed.

If the degree of danger increases significantly due to the transfer of the subject matter of insurance, the insurer may, within 30 days from the date of receipt of the notice provided for in the preceding paragraph, increase the insurance premium or terminate the contract in accordance with the contract. If the insurer terminates the contract, it shall refund the insurance premiums already collected to the policyholder after deducting the part receivable from the date of commencement of insurance liability to the date of termination of the contract in accordance with the contract.

If the insured or the transferee fails to perform the notification obligation provided for in the second paragraph of this article, the insurer shall not be liable for the compensation of the insurance money for the insured accident that occurs due to the significant increase in the risk of the insured object due to the transfer.

2. What conditions are required for 7 days of no reason to return?

7-day no-questions-asked returns are subject to the following conditions:

1. Those who are not satisfied with the goods after buying them;

2. The return fee caused by product quality problems shall be paid by the seller for freight;

3. The outer packaging must be intact when returning, including clothing tags, etc.;

4. For returns not caused by quality problems, the return shipping fee shall be paid by the buyer.

The reasons for a successful refund may be:

1.The freight insurance is given by the merchant, not purchased by the consumer himself, so after the refund is successful, the freight insurance premium will not be refunded;

2.When a consumer applies for a return for a refund or exchange, the return and exchange flow occurs, that is, the rough calendar operation of the consumer to return the goods to the merchant. In this case, the freight insurance will not be refunded, but it can be claimed based on the first kilogram of shipping between the consumer and the merchant.

In addition, freight insurance will not pay if:

1.Consumers provide false information about the wide range of goods;

2.If more than two claims are made for the same logistics waybill number, no claim will be made for the second or more claims;

3.The consumer refuses to sign for the goods mailed by the merchant;

4.return logistics that occurs after the termination of freight insurance;

5.The consumer did not receive the goods, or the merchant did not ship the goods, or the actual return logistics did not occur.

1. There is freight insurance

That is, when you place an order, you have to buy freight insurance, or the merchant has a gift of freight insurance, in this case, you don't need the seller to refund the freight, and after the refund is successful, it will automatically enter the claim process, and the insurance company will pay you into your Alipay Chi Que balance.

Here's how to check the progress of your freight insurance claim

Open**--My**--Refund Find the order here, click to view details, find my service, there is a freight insurance below, click in to see if the compensation has arrived. Generally, the claim will be paid within 72 hours after the refund is successful.

Second, the merchant problem

If it is because of the quality of the goods or the merchant sent the wrong goods for these reasons, this is a problem that belongs to the merchant, and the merchant needs to bear the cost of the attack, if the merchant refuses to pay, we can goComplaining to the merchant.

The specific steps are as follows:

1. Find this order in the refund after-sales service on my ** page, and there is a [complaint seller] below;

2. Select the reason for the complaint: the seller promises not to perform;

3. Select [Seller's refusal to fulfill other commitments];

4. Because we want the seller to refund the freight, you can choose to appeal to [to perform], upload the voucher here to upload a screenshot of your chat history with the seller, the screenshot content is the merchant promised you the freight, if not, upload the goods that were photographed before there is a problem**, you need to fill in the contact**, the platform customer service may contact you to verify the situation, and then submit it to the staff to deal with it.

3. Personal reasons

In this case, the product is fine, just because you don't like the product, or you bought the wrong specification, thinking that there is a color difference, etc., which is not the seller's fault, the seller does not need to bear the shipping cost for you, and it is useless for you to complain, you can only bear the shipping cost yourself.

After complaining about the merchant, the platform customer service will contact the merchant to verify and deal with it, and some merchants may be willing to take the initiative to refund the shipping fee to you, if the platform customer service supports you, it will also deduct the corresponding freight amount from the merchant's deposit to compensate you. If it is a personal return, don't pester the seller to give you the shipping fee!