Return too much, I was the freight insurance pulled black

Absrtact: March 15 This year, the implementation of the new "elimination Law" provisions, online shopping within seven days can be no reason to return, which allows many consumers in the online shopping, will conveniently hook up the freight insurance This column, for a possible return to prepare. However, recently, consumers have dialed this

March 15 this year, the implementation of the new "Elimination Law" stipulates that "online shopping within seven days can be no reason to return", which allows many consumers in the online shopping, will conveniently hook up "Freight insurance" this column, for the possibility of return to prepare. However, recently there are consumers to call this hotline, she was Taobao freight insurance "pull black."

"The return is too much, I was the freight insurance pulled black"

Ms. Wu, who lives in Luqiao, is a fashion-boomer, from the moment Taobao was born, she became a "network to buy new people." Today, she spent online shopping on the money has reached millions of dollars, now almost every month to receive at least 10 express, parcels. Things to buy more, it will inevitably encounter a variety of unsatisfactory situation, "not satisfied with the return." ”

In July this year, Ms. Wu returned several unsatisfactory clothes and daily necessities, and a few days later, when she opened the Taobao page again and entered the confirmation order stage, she found that she could not find the option of freight insurance. At first she thought that the merchant's product did not support the freight insurance, but in the following days she found that she could not buy the freight insurance at all the shops.

Browser failure, anti-virus software interception ... Miss Wu one by one ruled out the possibility, when she used a colleague's account to buy the same product, but found that the freight insurance came back. "I asked some friends to do Taobao, they said, I may be returned too much, be freight insurance to pull black, it is said to be 3 months to untie." "said Miss Wu.

Consumers may be judged as potentially high-risk users

The Reporter in Taobao Service Center found that the freight insurance is divided into "buyer version" and "seller version" two kinds, the "buyer version" can not be purchased for 8 kinds of reasons, including the seller has been insured, some marketing tools do not support freight insurance, shipping before the buyer unpaid premiums, merchandise without logistics, insurance companies to determine buyers for high-risk users, sellers are high-risk sellers , the buyer did not follow the operation, such goods do not support freight insurance.

In line with Ms. Wu's case, the 5th: "The insurance company considers you a potential high-risk user, so the transaction is temporarily unable to provide you with freight insurance services." We recommend that you check the purchase behavior, risk reduction after the insurance company will continue to provide you with services. ”

Changes in online shopping records, purchase restrictions will change

So how do insurers determine potentially high-risk users? How long does Ms Wu's account take to get out of the blacklist? Reporter yesterday contacted Taobao freight insurance contractor Huatai Insurance. The company staff told reporters, Taobao freight insurance system last July has been upgraded, the system will audit the user's trading orders, the audit passed before there will be freight insurance options.

Staff said that the new system used to assess consumers can buy freight insurance index is many, and return rate is only one. "If there has been frequent return records, the claims process used freight insurance, will reduce the probability of passing the audit." But, in addition, the consumer's shopping habits, business reputation, etc. will also affect this. "she said.

When the reporter asked how long it was possible to lift Ms. Wu's purchase restrictions, the staff said the current purchase restrictions vary in degree. "It may be possible for the user to purchase individual goods, but also the use of freight insurance, and 3 months is the previous version of the system update, there is no precise rules, and then with the user's consumption record changes, purchase restrictions will change." Staff said.