Changsha Evening News August 7th (all-media reporter Liu Qiongping correspondent Ye Zhou) Following the implementation of real-name payment and SMS authentication for motor vehicle insurance policyholders in Henan, Jiangsu, Hainan and Xinjiang, Hunan will also join this camp. The reporter learned from Hunan Insurance Industry Association today that from August 10th, Hunan car owners will also be the beneficiaries of the new policy of "auto insurance in real-name registration system".
Interpretation of "Real-name Authentication of Auto Insurance Payment"
According to the introduction of Hunan Insurance Industry Association, the real-name authentication of auto insurance policyholders means that when purchasing auto insurance, the insurance company must carry out real-name authentication on the payment account and check it with the information of the policyholders to ensure that the information of the payment account is consistent with that of the policyholders, that is, "whoever buys auto insurance pays, ensuring that the payer = the policyholders".
According to reports, the insured must use his real-name account to pay the insurance premium in full at one time, and other third-party institutions and individual agents such as insurance companies, insurance professional intermediaries and part-time agencies are not allowed to advance the auto insurance premium in any form.
In order to ensure the implementation of the policy, Hunan Province will also implement a mobile phone number SMS verification system, that is, when the insured or the insured is an individual and the insured vehicle is a family car, it must be verified by mobile phone SMS through the national auto insurance information platform, and the insurance company can pay the bill only after the "verification code" feedback from consumers is entered.
For example, Zhang San insured his own car or someone else’s (non-company’s) car, and the nature of vehicle use is family car (non-business nature), so he must carry out real-name payment authentication and SMS verification at the same time. In the SMS verification link, Zhang San must provide the verification code to the cashier of the insurance company before the next insurance process can be carried out.
In the face of the upcoming new auto insurance policy, some car owners may feel that "procedures have become troublesome."
"In fact, buying insurance does increase the procedures for real-name authentication, but it is definitely beneficial for most car owners." The relevant person in charge of the Hunan Insurance Industry Association said that auto insurance real-name registration system will make consumers clearly understand the amount of premiums paid — — The amount paid is all the expenses of the insurance policy, which fundamentally eliminates the "catty" of private delivery and unauthorized underwriting in the auto insurance industry; Secondly, after the real-name payment, the insurance company can remind the owner in time when renewing the insurance in the coming year.
Four steps for beginners to pay for auto insurance on the road.
The first step is to choose an intentional insurance company to insure. Insurance methods include calling the insurance company’s customer service phone, logging in to the insurance company’s official website, logging in to the insurance company’s mobile phone client and going to the insurance company’s service outlets.
Step 2, SMS verification. If the applicant or the insured is a natural person, it must actively verify the mobile phone number under the name of the applicant through the national auto insurance information platform, and check the rationality and repeatability of the mobile phone number. After receiving the SMS verification code, consumers must inform the insurance company staff of the "verification code" to help complete SMS verification. It is worth noting that the total number of different policyholders and insured persons corresponding to the same mobile phone number cannot exceed 3, and more than 3 people will not be able to obtain the verification code.
The third step is the real-name authentication of payment. After the SMS is verified, it will enter the real-name authentication of payment, and the consumer will sign the customer authorization letter (electronic version or paper version) issued by the insurance company to confirm. After the insurance company is authorized, it will check the consumer’s information to ensure that the premium payment account is consistent with the insured’s information.
The fourth step is to pay the bill. After passing the real-name payment authentication, consumers can use their real-name account’s bank card, Alipay, WeChat or cash payment to pay the premium in full at one time. When the payment account is consistent with the information of the insured, the payment is successful and the policy can be printed. When the two are inconsistent, the payment will fail and the bill will not be issued.
What should I do in these situations after the New Deal?
Hunan Insurance Industry Association reminds consumers to pay attention to the following matters after the implementation of real-name registration system for auto insurance payment.
First, what payment methods can I choose? When insuring a private car, you can pay the premium through bank card, Alipay and WeChat payment, and make sure to use your account. Other payment methods without real-name authentication cannot be used. For special circumstances such as cash payment by the insured, inconsistency between the insured’s information and the payment account information, it is necessary to consult the insurance company first or go through the insurance formalities in the business premises of the insurance company. The insurance company will record and video the underwriting process and keep audio, video, pictures and other materials.
Second, how many cars can an applicant buy insurance for at most? If the owner of the vehicle is an individual, when the applicant agrees with the owner, the same applicant can vote for up to 50 vehicles. If the applicant does not agree with the owner, the applicant is only allowed to insure up to 3 vehicles for compulsory insurance and commercial insurance.
Third, will it affect the auto insurance premium? The real-name authentication of auto insurance payment only involves the change of premium payment method. The premium price of auto insurance purchased by consumers has nothing to do with the payment method, and will not increase because of it. The amount of premium is related to factors such as vehicle model, insurance type, number of accidents and years without accidents.
Fourth, what is the difference between the insurance procedures and the past? First of all, when consumers apply for insurance, they must fill in the SMS verification code received by the customer’s reserved mobile phone number for verification. Secondly, the insurance company must obtain the authorization of consumers to verify the payment account. Finally, when paying premiums, consumers should carry out real-name authentication of the payment account.