Returned freight insurance rises four or five times, pushing up online shopping costs

As the Spring Festival approaches, the demand for new year purchases has recently become a peak period for online shopping. However, many netizens have recently discovered that the online shopping return freight insurance that has been highly sought after has been quietly increased by 4 to 5 times.

“At least a few months have passed, but it was a small one before. Since the beginning of last month, the sudden increase has been very high. The main reason is that everyone’s premiums are changed according to their previous insured and claims, not According to the insured amount, it is determined.” According to industry figures, according to the new rules, if the return exceeds a certain percentage, the insurance company may also refuse the insurance. For the insurance company's price increases, many netizens shouted that online shopping costs are high.

Freight insurance farewell to a few centuries

"On the Internet to buy things, the most afraid of goods not on the board or buy back and do not like it. If you want to return non-quality problems, you must bear the courier fee. Although 8 yuan, 10 yuan is not much, but the amount of online shopping is not high Return is not very cost-effective and inconvenient. In many cases, it can only be done. "Ms. He, who often buys online, told reporters that at the end of 2010, return shipping insurance had been considered by these online shop owners as a major positive news.

The so-called return freight insurance refers to the insurance company pays for the freight caused by the online shopping return, that is to say when the online purchase insurance at the same time, if you are not satisfied to return, you can insure the insurance company to bear the return shipping. At present, return shipping insurance on Taobao is underwritten by Huatai Insurance. According to the initially set standards, premiums for return shipping insurance are charged at 5% of the payment amount. For example, a premium of 0.5 yuan is paid, and the corresponding payment amount is 10 yuan. , where the maximum can be voted 1.25 yuan to obtain the amount of insurance 25 yuan.

However, starting in September last year, it was reported by some netizens that return freight insurance had started to rise. "The same insurance 0.5 yuan, from the insurance can be 10 yuan, and later can only guarantee 7-8 yuan, and then 0.5 yuan is also rare, to protect 7-8 yuan need to pay more than 1 yuan premium." Netizen "Lou music" Told reporters. By the end of last year, premiums suddenly rose again, and this time it was even greater. "The same guarantee of 8 yuan, and now more than 2 yuan cheaper, is 0.5 times when the time of four or five times."

The new premium is determined by the number of claims

It is understood that this substantial increase in premiums is mainly due to Huatai Insurance revised the premium calculation standard for return shipping insurance. In the past, a certain percentage of premiums were collected according to the insured amount, and the corresponding insurance fee was charged based on the “risk of successful claims / number of successful insured trips”.

Judging from the risk standard published by the media, in the case of a claim of 5-10 yuan, if the buyer’s risk rate is less than 5%, the premium is still 0.5 yuan/pen; if the risk rate is higher than 5%, it is low. At 6%, premiums rose to 0.6 yuan/pen, and so on. At the same time, if the amount of claims is high, premiums will be higher and higher. The highest standard is that if the claim amount is 19-25 yuan and the risk rate reaches 29%-30%, the premium is 11.5 yuan per pen. In addition, if the buyer exceeds the underwriting standards, for example, if the risk rate is too high, ie more than 30%, the freight insurance service will be suspended.

For the adjustment of insurance companies, many netizens expressed their dissatisfaction and thought that it directly pushed up the cost of online shopping. However, the insurance company also said that the current return rate remains high, according to this standard to set the market from the perspective of pricing. Taobao shop owners also admitted that after the introduction of return shipping insurance, many consumers have made it easier to place orders when they shop online, but they have also led to an increase in the return rate of many stores.

Return shipping insurance tips

When purchasing a product, you can choose whether to purchase return freight insurance at the same time. After the selected premium will be paid in combination with the purchase price.

If the buyer needs to return, he first clicks on the website to request a refund. After the seller agrees to the buyer's refund, the buyer fills in the correct logistics company, logistics ticket number, etc., and returns the purchased goods to the seller through logistics. After the seller receives the goods to confirm the refund, the system automatically initiates a claim application. After the insurance company approves and handles it within 72 hours, the payment proceeds directly to the buyer's Alipay account.

Insurance tips

Although return shipping insurance is available on Taobao, it is not possible to purchase all products to insure the product:

1, if the seller's store goods do not support "7 days no reason to return," buyers can not buy freight insurance.

2, buyers buy package products, package products do not support return shipping insurance, such as with the package goods can not buy return shipping insurance.

3, the insurance company for some of the buyers beyond the coverage of the price adjustment or suspension of this service, some buyers can not buy return shipping insurance.