Three horse insurance to be on sale next week Tao consumer margin Insurance

"Three horse" insurance opened early this month, the first insurance products of concern will be http://www.aliyun.com/zixun/aggregation/18783.html next week "> officially online." It is reported that consumer margin insurance will be the first Internet insurance test aquatic products.

The consumer rights and interests protection gold is a certain amount of charge that the electricity merchant collects in advance to the shop, as the security deposit that protects consumer's interest. For why the margin insurance is chosen as a test aquatic product. Yin Hai, general manager of the three-horse insurance, explains that the insurance is linked to both online sellers and buyers ' interests.

At present, sellers in the electric business Platform open shop, all need to receive thousands of to tens of thousands of margin and deposit, for good credit sellers, these deposits delay the seller's working capital, and for bad credit sellers, and can not prevent its interests of the buyer infringement. Similarly, for buyers, consumer bonds, although to a certain extent, protect the interests of the buyer, but compensation has a considerable lag. At the same time, buyers can not distinguish between different sellers credit qualifications to guide the purchase behavior.

The main mode of the product is "elimination of insurance premium" instead of margin. Although the "Three horse" insurance has not disclosed the "elimination of insurance" premiums and the proportion of insured, but it is certain that the insurance premiums are far lower than the current deposit paid by the merchant.

With the first Internet insurance products available, more internet-based insurance products will follow. According to the information disclosed by the public security online, the credibility of the business, the quality of goods, authenticity, the credibility of services, as well as logistics goods lost, damaged and delayed insurance are in the plan.