NET friend Spit nets buy "return insurance": a few yuan claims toss more than 10 days

Abstract: NET buyers even if you buy a return insurance return may still be self-posted freight shop merchandise return rate high return risk higher return shipping cost 10 yuan, return insurance only lost 8 yuan. Eventually, you have to pay 2 yuan for your own pocket. Yesterday, Ms. Chen, who lives in Yuexiu District, told reporters that

NET purchase even if you bought a return insurance return may still be self-posted freight shop merchandise return rate high return risk higher

"Return freight cost 10 yuan, return insurance only lost 8 yuan." Eventually, you have to pay 2 yuan for your own pocket. Yesterday, the family Yuexiu District Chen told reporters, "near the end of the year, Ready to buy a batch of winter clothing, the arrival found that the size of clothes is not appropriate, was fortunate to buy a return on freight insurance can not spend money to return, the result spent 2.2 yuan of the premium after the additional 2 yuan on the freight ”

Reporter learned that, the return of freight insurance in the first launched by the vast number of netizens to evaluate can effectively reduce the risk of online shopping. Industry insiders said, "because only need to spend a few cents or one or two yuan premium, you can get a few yuan or more than 10 yuan of freight compensation." Data show that last year, "double 11" period, the return insurance is to create a daily insurance volume of more than 150 million records. With the increase in the amount of return insurance coverage, many consumers began to "spit" insurance claims after the poor service, the amount of compensation and actual freight prices and so many problems.

Question one:

Why is the road farther and cheaper?

The net buys the talented Miss Xia to reflect: "The seller in Guangzhou, guarantees 8 yuan the freight to be 2.2 yuan the premium; Shanghai, a shoe shop, 9 yuan of freight costs only 1.2 yuan premium? Is the road farther away and the premium cheaper? ”

The reporter in Miss Xia refers to the online shopping page to see, this shop mark location in Shanghai, the settlement page shows "the purchase returns the freight insurance, the return can compensate to pay 9 yuan, the premium is 1.2 yuan", but in another mark location in Guangzhou's Clothing shop page display: "Returns may compensate to pay 8 yuan, the premium 2.2 yuan".

Xiacian points out, "on the Payment settlement page, the system will automatically generate the claim freight insurance according to the location of the seller and the shipping address entered by the buyer." "The reporter found that the same is sent to Guangzhou goods, sellers in Shanghai, the display returns for 9 yuan, if the seller in Guangzhou local, then show returns pay 8 yuan." "In fact, the system is generated by the minimum shipping standards between the two places, so often need to attach their own additional shipping costs." ”

Explain：

Premium is determined by commodity and account credit level

Insurance company customer Service staff explained that the amount of return insurance is automatically calculated by the system to generate, are to pay the same route for the lowest first heavy freight, the highest pay 25 yuan.

In fact, the premium for return insurance is determined by the credit classification of the goods and the credit of the individual account. If a shop of goods belonging to high-risk goods, high return rate, return insurance will be more expensive, so even if the distance, the premium may not be cheaper. ”

Question two:

Do you want to buy the return insurance?

"Taobao canceled my return insurance, saying that my return rate is too high." "Recently, netizens complained on Weibo," the same product, others in the settlement of the purchase can choose to return the freight insurance options, I was not elected. After several recent refunds, I have confirmed that I have been listed on the ' blacklist ' of Taobao return insurance. ”

Reporter found that, although a lot of online shopping in the internet will not consciously attach a "return freight insurance", but many netizens want to buy return insurance when they can not buy.

Netizen Pinky said, even if registered a new account, in some shop still can't buy return freight insurance. There are shop sales staff said, "as the store itself, buyers are willing to buy the insurance company and the buyer's own things, but if the buyer by the purchase of the return risk in the return of the uncontrolled, but also worry about the return rate will be affected. ”

Explain：

Buyers return rate is too high to buy return insurance

Shop owner said that if the individual in the online purchase of the platform of more than a certain number of returns, the insurance company will be closed for a period of time, do not allow their purchase and refund of freight insurance. Insurance company customer Service said that each settlement payment, the system will evaluate the transaction, assessment factors including account credit information, commodity credit information. Insurance companies will decide whether or not to underwrite the transaction according to the assessment settlement, "if the system fails to pass the credit audit, it cannot be insured." ”

Question three:

A few yuan claims why toss more than 10 days?

"Fill in the wrong logistics number, how can we claim return insurance?" "The reporter found that many netizens on the micro-blog" Spit Trough "return insurance easy to claim difficult to cover.

According to media reports, netizens last December want to carry out online shopping returns. After the successful return of the claim, because the claims information failed to pass the system audit, insurance company customer service personnel replied that need to provide real name, ID number and ID card reverse scan or photo, return logistics sender stub photo, mobile phone number and other information.

Explain：

Return to fill in the correct logistics number

Insurance company customer service personnel remind, buyers need to fill in the correct logistics number, otherwise can not be claims; The transaction is not completed at the end of the return refund, in the scope of the claim for freight insurance, but the sale of rights-initiated return refund is not covered by the cost of insurance claims.

Analysis：

Three years of operation difficult to conceal the loss dilemma

With the popularity of the return freight insurance, more and more of the risk of a cup of soup. Earlier, the news that the PICC and the state-life insurance in Jingdong Mall, the introduction of replacement freight insurance, the recent public security also said that the return risk is currently in beta, will choose to market.

However, since the insurance companies in the electric platform to launch the return of freight insurance, the return of the insurance rate has been very high, of which the direct pay rate is about 93%, and therefore the insurance has been in a loss, only 2012 years lost 14 million yuan. And the buyer's "adverse selection" and "professional retreat" of the emergence of the impact of the return of the profit is one of the reasons.

Professionals point out that "adverse selection" means that buyers have a great chance of returning when they order, which leads to a rise in claims rate. and "professional retreat" refers to the use of the risk of loopholes, through the return to make money for the buyers.

Insiders frankly, high pay rate decided to return the risk of profit difficult. If you sell more, you may not earn much.