Safe the top Game Equipment insurance: For individual players up to 30,000

The first domestic market for personal customer sales of virtual property insurance products, service objects for the game "Royal Dragon in the days" user financial weekly reporter Song Jiayan/wen "equipment overnight all gone, the day back before liberation." "A game player complains in a forum. In this online game, a monthly hundreds of millions of of the virtual property transactions, the number of stolen accidents also occur frequently. In response to the theft of equipment, Ping An production insurance recently introduced a special game props. It is reported that this is the industry's first personal customer sales of virtual property insurance products. However, there is still no reliable game rule on virtual property payments. "Game equipment" Maximum pay 30,006 months 8th, senior player of online games, Ms. Zhu signed a policy in Shenzhen to buy insurance for her game equipment. This is the safety of the introduction of the game props insurance, but also the domestic first for personal customer sales of virtual property insurance products. The product is currently designed for the Tencent game of large-scale national games, "Imperial Dragon in the days" to provide equipment insurance business. "Players in the" Royal Dragon in the days of the monthly value of hundreds of millions of Yuan virtual property transactions, has become China's largest online virtual property of one of the gathering. Zhu Yu, assistant general manager of Tencent Game marketing, said: "The game has broken the top 500,000 people at the same time online, is the most popular multiplayer online role-playing games for nearly five years." "In the game world, those cool equipment not only represents the player's strength and identity, but also embodies the real renminbi and time." "A complete set of advanced equipment, the value may be millions of dollars." "Dragon in the sky," the player told reporters, "Once the account is stolen, hard to fight out the property is gone." "Safety insurance against the props of the game is the world's most common equipment theft." "Players can jump through the game interface to Tencent QQ security interface, open the" safe "for insurance, insurance after the day of entry into force, insurance period of one months. "Safe production and insurance related personnel introduction." "Customers will be able to enjoy VIP service after they have insured the equipment of Imperial dragon in days." If the equipment to confirm the loss, enter the compensation link, through Tencent Customer service and Ping An insurance 955511 hotline, apply for at least "1 yuan insurance, hundredfold compensation" cash payment, the highest insured payment value is 30,000 yuan. "said the ping ' an production insurance officer. The virtual game account is stolen, verification difficulty is this kind of insurance operation of a major impediment, whether there is a joint fraud protection of the loophole needs market test. "The internet is not completely without traces to find, the background has data records, the user's behavior can be seen." "Ping An production and insurance personnel said. In addition, virtual property quantification is also a problem that must be faced in the course of the development of virtual property insurance. "This product is not based entirely on the market value of the equipment and the value of the equipment in the market is related to the time, money and energy consumed," said the person concerned. We only make quotas in the early stage. "First Test water, for individual users in fact, the game area of risk protection has already been tested by insurance companies." July 2011, Sunshine Insurance and Gamebar cooperation launched the first domestic virtual property insuranceInsurance Network game operator user Loss Liability insurance, mainly for the new listing of the full 3D gamebar online games "Ju Xian." When the player's game account data has been stolen or lost, it may need to be online games operators to compensate the players, the insurer will be in accordance with the insurance contract agreed to bear the relevant responsibilities, in the online games operators compensation players, the insurer to pay the relevant compensation to the online operators. At present, the Sun insurance products run nearly two years, the performance remains flat. Industry insiders revealed that the product in the late operation encountered many difficulties, has not found a good profit model. In addition, there are no other insurance companies to launch virtual property insurance products. At present, the domestic fictitious property insurance market development is still slow. "Sunshine Insurance that is liability insurance, we are property insurance, they are for the game, we face to individual users, very different." "Ping An production Insurance department manager said. FPA Insurance This is a way for the game players to decide how to insure against the insured amount. However, Ping An is not expected to make a profit on the product. "When we did this, we didn't take into account the profit problem, just hit with Tencent," he said. "Ping An production insurance above department manager discloses. "This is our first attempt to take a moment to look at the customer's response, including process, pricing, security, and future adjustments, and then consider some of the other thefts that the customer is playing during the game." The market is really big, at the same time the risk is very large, now the accumulation of data is still relatively small, it is difficult to assess the profit situation. The legal definition of virtual property in China is still vague, although there is a transaction between the virtual property and the real property. Virtual property insurance is not a set of compelling rules of the game. It lawyer Zhao Occupation said, shop account number, instant Messaging account, e-mail address, online games account and virtual props, microblogging and other SNS account, such as the common sense of the virtual property has property, condensing the user's feelings, time, labor and even money. However, the fictitious property is still not a legal property. At present, many scholars have carried on the thorough research to the fictitious property legal attribute, the law elaboration and so on, but the real related law which involves the fictitious property is still in the foreseeable future. The disputes arising from the fictitious property insurance can only be solved according to the laws and regulations of contract law and civil law. In addition, some people in the industry said that the existence of virtual property insurance to identify the legal obstacles, the CIRC needs to report to the National People's Congress Legal Committee, and even related to Internet regulatory departments, People's bank, Ministry of Industry and other departments of the approval.