E-commerce included in the coverage

Abstract: Speaking of E-commerce and insurance, you must think of the net sales insurance. But, suddenly one day, you buy insurance products in the shop, found that one of them is specifically to protect the store inventory of goods insurance products, you will be feeling, network sales are not electronic business

Speaking of E-commerce and insurance, you must think of the net sales insurance. But, suddenly one day, you buy insurance products in the shop, found that one of them is specifically to protect the store inventory of goods insurance products, you will be feeling, network sales has long been not the most fashionable relationship between E-commerce and insurance.

E-commerce included in the coverage

In a professional insurance service website, the reporter found such a product "Happy Doodle" optional family property insurance-Shop comprehensive type. From the name, we can see that this is actually a home insurance.

Careful research found, but with the common home property insurance products, this product is applicable to the crowd is the owner of the shop, the main insurance liability in addition to the basic family assets, but also including shop inventory merchandise, and ordinary home insurance, the amount is free to choose. Shop inventory goods can not be insured.

Additional insurance options, in addition to the common additional cash, gold and silver jewelry stolen loss insurance, additional theft and robbery risk, there is an additional family employer liability insurance, but also free choice. In addition, also provides the "shop owner personal accident injury" choice.

In addition to the above free choice of protection range of online shop comprehensive, for shop crown sellers, shop crown sellers and ordinary sellers shop, the company also designed three main insurance coverage fixed card single home insurance, of which shop Crown seller card Main insurance coverage is the highest, the premium is also the most expensive. Additional and accidental risks are still freely chosen.

Sellers are some protection, then the buyer? For buyers, the most worry is that the goods do not fit the need to return. One trouble, and also generally have to bear their own freight.

Buyer's worry, the insurance company also thought of.

One day, Xiao Zhang shopping in Taobao, in the "Confirmation order information", suddenly found that unlike in the past, in the lower right of the page, a hint of a light, the back said "due to the return of freight by the insurance company within 72 hours to pay xx yuan" then below is a link to the insurance agreement, and then is " I agree to purchase the return shipping insurance xx yuan "the selection box."

Very curious, Xiao Zhang opened the insurance agreement link, found that this is an insurance company's return freight insurance, according to the buyer's insurance agreement, the scope of protection is "through the Taobao trading platform to deal and support the" 7 Days no reason returns goods. ”

When the online shopping behavior occurs, for other reasons, the buyer or the receiving Party shall return the goods during the return period agreed upon by the seller and the buyer or the receiving party to return the goods and promise to return the payment, and the insurer shall compensate for the return freight stipulated in the policy.

The guarantee period is "from the date of receipt of the goods by the buyer or the representative of the buyer, or to the buyer's online" confirmation of receipt ", whichever occurs earlier in the order of time. "The insured amount and the premium vary according to the mailing address." But under normal circumstances, the premium is below 1 yuan, for example, Xiamen to Beijing, the maximum insured amount of 10 yuan, the premium of 0.5 yuan.

According to the introduction, this insurance can also be bought by sellers, become many sellers to attract customers means.

Buyer sellers give more "praise"

In fact, whether the shop comprehensive family property insurance, or return freight insurance, is only a new form of traditional insurance products.

For example, shop comprehensive family property insurance is only extended the scope of the protection of home insurance, mixed accident insurance, liability insurance and other types of insurance, and we see other mixed-type home insurance no real difference.

But to extend the scope of coverage to shop, it has to say is a major innovation, and often it is such a small novelty so that the product won the market recognition.

"Very good insurance, although open shop is small business, but the goods are also afraid of accidents, buy a insurance is more relieved." User Ganggangjiudang said.

In the above shop comprehensive family property insurance network Sales area, the reporter saw most netizens gave praise.

And in the Taobao return freight insurance discussion area, some shopkeepers said they are willing to buy for buyers, others are hesitant to pay each transaction or product is not perfect, there are some concerns Taobao disguised charges. But most gave a supportive response.

However, the buyer's biggest worry is that once a claim has occurred, who should be looking for? According to the introduction of Taobao, returns, the buyer first need to click on the "Application for refund", the seller agreed to the buyer's refund operation, the buyer simply in the process of returning Taobao to fill in the correct "logistics company" "Logistics number" and other information, waiting for the transaction refund, the system will automatically launch claims application, The insurance company will be processed within 72 hours to confirm that the payment will be paid directly to the buyer's Alipay account.

Do not know whether the truth is as perfect as said, but in any case, the return of freight insurance is undoubtedly the birth of another new thing, "worthy of support!" ”