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车险“分时消费”看上去很美

2017-09-12 07:42:24   新华网

据车车车险相关人士介绍,“停驶返钱”只是利用创新技术手段简化了退保手续,车主可以直接在线办理退保,1分钟退还保费到账。

这款产品被安心保险命名为“闲时退费”,页面设计不同,功能相似。据安心保险客服表示,“闲时退费”功能目前根据业务发展需要正在进一步规划,系统正在维护中,重新上线时间还不确定,不过今年有望成行。

在众安保险的APP里,记者看到车险栏目里,有一款推荐保障——私家车驾驶员意外险。它虽不属于商业车险范畴,但车主在购买车险的时候,往往会配置这样一款保险产品。点开“立即投保”后,有一个“月计划”选项,保障期限是1个月,保障范围为人身意外伤害-身故、残疾,保额10万,保费1元起。

  车险“分时消费”

  业内看法不一

此前,中国保监会曾下发《关于商业车险费率调整及管理等有关问题的通知》,扩大产险公司定价自主权,下调商业车险费率浮动系数下限。“二次费改”最大受益者是消费者,遵守交通规则、未出险的车主,享受的保费优惠力度更大。

有业内人士认为,短期的商业车险不如一年期车险划算,在第二年未出险的情况下,续保还能享受更大的折扣优惠。车险“分时消费”,类似商业车险的短期消费行为,间断之后易产生“漏保”等现象。

杭城某保险经纪公司李女士则对车险“分时消费”的前景充满期待,“这体现了互联网保险的实惠与便捷,能有效降低客户投保成本,解决了传统车险年交保费的‘捆绑式’销售的痛点。这些都体现了互联网对传统车险模式的冲击,它所带来的新的消费结构与消费理念,会让人们的生活更为便捷、透明与方便。”(林海燕)

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