Every end of the year, will usher in a private car insurance renewal auto insurance heights. This year's Shanghai auto insurance market as a result of a significant decline in the level of agent fees, brokerage no longer be able to attract a more favorable rate of private car owners insurance, and insurance companies to open their own phone opportunity for the development of auto insurance is expected to be. However, because of its infancy, the phone's auto insurance can not help but hobbled walk.
Renewal remind Qiang Fengtou
Owner Mr. Yang said that over the past few days, and his close friends to buy a car in the same period, has received several calls to sell auto insurance, insurance companies are calls to remind the renewal of vehicle insurance. The first of which was received by Ping An electric hot sales. That the blame not blame, call the seat of the vehicle basic information officer, last year's insurance coverage, as well as insurance companies are well aware, soon completed the premium spreadsheet, and immediately urges insurance for confirmation.
According to statistics, this year's auto insurance renewal reminder telephone, electric auto insurance sales hotline has become the main force of breath. At present, in Shanghai opened telephone auto insurance business, Insurance companies, including human security, peace, Taibao, the earth and the sky equal, that they have a 15% discount rate of congenital, in almost the same level of fees, brokerage Is the loss of attractiveness.
Intermediaries who rely on fast-growing auto insurance, the majority of owners also have had a more powerful intermediary psychological dependence. However, with the lower fees, the majority of intermediaries will look more non-auto insurance business, as auto insurance business is done there is done. As a result, electric auto insurance sales channels have become the new owners choose to buy.
However, many owners of insurance companies to sell electricity as a form of harassment, Mr. Lee is one of them. In his view, if not their insurance companies last year, so the details of what personal information into the hands of other companies? Ping telemarketing is too much for people, almost on a daily basis on every call, "visit", work, life is seriously affected.
Three modes of operation
In July 2007, the China Insurance Regulatory Commission approved the first national auto insurance product-specific marketing power. Insurance is the electric vehicle insurance sales by phone for a new mode of marketing, product standard rate than the traditional direct sales agents or channel 15% discount. Vehicle Insurance engaged in the marketing power of the insurance business must apply for the exclusive marketing phone numbers, their seats in order to fully staff the name of the company's breath, and the use of automated information management technology and specialized platform, Vehicle Insurance completion of the consultation, offer, the terms are confirmed, and so on Process.
At present, the Insurance Corporation of the use of electric auto insurance sales service hotline has three operating modes: The first is the original customer service hotline to expand the functionality to the land for the Insurance representatives; second is to re-apply for the exclusive marketing power numbers, If ; third of the former combination of the two, the power to apply for the exclusive sales numbers at the same time, not to give up the use of the original customer service hotline, such as the People's Insurance Insurance, Ping An Insurance Vehicle Insurance and Ping.
Insurance related to the Earth said that the land of the existing insurance customer service hotline of the platform and system upgrades, and equipped with specialized team composed of electric vehicle insurance sales area. If the owners have come to call, then the seats will be owners of record of basic information and insurance needs, and then exhaled to the special seats for the next service personnel. This model has the advantage of the existing companies to maximize the use of system resources.
and is "one-stop" services, car owners would be offered "no transfer" of power marketing services, call the staff seats will be able to provide all insurance services. This is only for electricity sales service hotline, the emphasis on seating capacity sales staff.
Need to standardize services
It is reported that in Britain, more than 50% of phone owners to choose auto insurance coverage in South Korea this figure is a whopping 70%; in our country that can be said that the direct sales model has just started, which sell electricity to the development of the Vehicle Insurance Innovation and left enough space. However, the reporter found from the survey that each auto insurance phone sales model may look Tingxiang, but no more than 15% discount can be summed up, there are a number of irregularities need to improve.
Reporters in order to insure a paragraph about 100,000 yuan of vehicles on the ground call the Taibao, safe electricity sales hotline. sell electric hot seat of a staff Shenzhen Mandarin version, making the two sides in the vehicle confirmed that the basic message of the obstacles encountered; and the completion of the premium spreadsheet, and reporters asked him whether the offer still cheap, the Seat said the company would be able to apply for a discount.
Reporters for the first time in the peace electricity sales hotline call, the company received a few days in a row seats tracking service. When a reporter said that due to the price of similar companies also need to be considered, the seat of the officers repeatedly stressed that peace is the large companies, service than other companies have a lot of good, and will claim to give more "user-friendly."
Related to the industry that the auto insurance phone sales success depends on more than 70% of back-up and efficient operation of the system. Insurance companies have set up customer claims Commissioner for electricity sales system to achieve power marketing claims "one-on-one" service to sell electricity to raise the level of customer service, marketing power to maintain customer satisfaction Jie Anshuai claims and a higher level of stability.
Pre-investment risks
At present, the National Insurance Corporation 8 have been allowed to operate electric vehicle insurance sales business, are the People's Insurance, Pacific Insurance, Ping An, the earth, the life Insurance, Ping, the Bohai Sea and the sun. Although electric products will be the exclusive sales 15% discount rate, the electric vehicle insurance product sales and do not find any technical barriers, property companies continue to set foot in the hope that the new channel.
It is understood that Hua, such as bringing peace to the other Insurance companies have visited the company's electricity sales, electricity sales on the preparations for the project, acceptance, as well as operating practices in areas such as inspection; Insurance ranked fourth in the China market has also revealed a joint march The intention of selling electric vehicle insurance.
Insurance Company of China Insurance Regulatory Commission to operate electric vehicle insurance sales business, there is a clear qualification: insurance companies to develop and market the product-specific marketing power should electricity sales with a legitimate business office, a special marketing power management, power-specific marketing services Number of specialized electrical infrastructure and marketing operation of computer systems, as well as a special management system of internal control and management processes.
Insiders disclosed that the Insurance companies to sell electricity into the vehicle insurance must be a lot of pre-investment, safety, as the first approved sale of the electric vehicle insurance Insurance companies have made the early years of market research and R %26amp; D system. At present, electric auto insurance business sales growth faster, but input costs compared to income and there is still a certain gap.
As of October 31, the land of the insurance business this year, auto insurance premiums breakthrough in electricity sales 50,000,000 yuan, has 60 branches nationwide on-line operations; this is behind more than 400 seats, more than 400 service personnel, as well as IT equipment, etc. A huge investment. The Shanghai-based of the call center location in Shenzhen, is more or less out of consideration Costing.
Experts said that China's auto insurance market around the different levels of fees, combined with the spending habits of different people, it immediately extended electric vehicle insurance sales business front, may not be able to achieve the expected revenue. In the auto insurance fees over the coastal market and sell electric products 15% discount rate may be due to better results intermediaries and loss of competitiveness, insurance companies may have been in vain into huge advance.
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