成都發布消費警示：真假車險須明辨，認清本質是關鍵
2025-07-09 中國質(zhi)量(liang)萬里行 點擊(ji)：次
近(jin)期(qi)有(you)(you)消費者(zhe)反映，有(you)(you)自稱(cheng)“保(bao)險(xian)(xian)公(gong)司(si)”的工作人員(yuan)向其(qi)推銷所(suo)謂汽(qi)(qi)車(che)“統籌險(xian)(xian)”。消費者(zhe)受(shou)其(qi)誤(wu)導，以為(wei)購買的是“汽(qi)(qi)車(che)商業保(bao)險(xian)(xian)”。認購后(hou)才發現(xian)所(suo)購“統籌險(xian)(xian)”不(bu)是汽(qi)(qi)車(che)商業保(bao)險(xian)(xian)，實為(wei)“汽(qi)(qi)車(che)統籌服(fu)務(wu)”；該類公(gong)司(si)也沒有(you)(you)正規(gui)保(bao)險(xian)(xian)業務(wu)經營資質，實為(wei)汽(qi)(qi)車(che)服(fu)務(wu)公(gong)司(si)或信息技術公(gong)司(si)。消費者(zhe)發現(xian)被(bei)騙(pian)要(yao)求退款，往往被(bei)拒絕、拖延或被(bei)要(yao)求扣除高額手續費。
為(wei)防止(zhi)更多(duo)消費(fei)者受騙(pian)上當(dang)，近(jin)日(ri)，成都(dou)市保護消費(fei)者權益委員(yuan)會(hui)、四川(chuan)省保險行業協會(hui)聯合發布消費(fei)警(jing)示，提醒廣(guang)大消費(fei)者提高警(jing)惕意識(shi)和辨別能力，識(shi)破“假保險”真面目，正(zheng)確投保。
認清本質，辨別真偽
車(che)(che)輛統籌(chou)公(gong)(gong)司(si)不是保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)，我國(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)法(fa)第六十(shi)七條規定(ding)，設立保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)應當經國(guo)務(wu)(wu)院保(bao)(bao)(bao)(bao)險(xian)(xian)監督管(guan)理(li)(li)機構批準(zhun)。而銷(xiao)售(shou)車(che)(che)輛統籌(chou)業(ye)(ye)務(wu)(wu)的汽車(che)(che)服務(wu)(wu)類(lei)公(gong)(gong)司(si)注(zhu)冊時無需保(bao)(bao)(bao)(bao)險(xian)(xian)監督管(guan)理(li)(li)機構批準(zhun)，未(wei)依法(fa)取得保(bao)(bao)(bao)(bao)險(xian)(xian)業(ye)(ye)務(wu)(wu)經營(ying)許(xu)可，缺乏(fa)專業(ye)(ye)監管(guan)，其風(feng)險(xian)(xian)補償能力及(ji)(ji)資(zi)金(jin)安全性相(xiang)對較低。此(ci)類(lei)公(gong)(gong)司(si)出現資(zi)金(jin)鏈(lian)斷(duan)裂、撤銷(xiao)破產等重(zhong)大危機時，可能給消費者帶(dai)來損(sun)失，蘊含較大風(feng)險(xian)(xian)。正規車(che)(che)險(xian)(xian)由持牌保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司(si)承保(bao)(bao)(bao)(bao)，受(shou)保(bao)(bao)(bao)(bao)險(xian)(xian)法(fa)及(ji)(ji)國(guo)家金(jin)融(rong)監督管(guan)理(li)(li)總局嚴(yan)格監管(guan)，理(li)(li)賠有法(fa)定(ding)保(bao)(bao)(bao)(bao)障。
統籌合同，糾紛難調
“車(che)輛(liang)(liang)(liang)統(tong)(tong)籌(chou)”“車(che)輛(liang)(liang)(liang)互助”合同其本質為運(yun)輸企業間風險(xian)分(fen)攤合同，不(bu)受保險(xian)法(fa)保護。從目前(qian)關于安(an)全統(tong)(tong)籌(chou)的(de)(de)司(si)法(fa)判例來看(kan)，法(fa)院(yuan)在(zai)(zai)援引法(fa)律(lv)裁決時，不(bu)能(neng)(neng)適用保險(xian)法(fa)的(de)(de)規(gui)定解決相關賠(pei)(pei)償糾紛。車(che)輛(liang)(liang)(liang)統(tong)(tong)籌(chou)繳(jiao)費容易賠(pei)(pei)付難(nan)，并非正規(gui)保險(xian)業務。車(che)輛(liang)(liang)(liang)統(tong)(tong)籌(chou)公司(si)不(bu)具備(bei)保險(xian)公司(si)的(de)(de)專業服務能(neng)(neng)力(li)、理賠(pei)(pei)能(neng)(neng)力(li)與重大(da)案(an)件賠(pei)(pei)付能(neng)(neng)力(li)。一旦(dan)出現重大(da)案(an)件，車(che)輛(liang)(liang)(liang)統(tong)(tong)籌(chou)公司(si)極易出現資金鏈斷(duan)裂，“跑路(lu)”等現象，車(che)主可(ke)能(neng)(neng)面臨無法(fa)獲(huo)得(de)賠(pei)(pei)償或者無法(fa)獲(huo)得(de)足額賠(pei)(pei)償的(de)(de)風險(xian)。另外(wai)，車(che)輛(liang)(liang)(liang)統(tong)(tong)籌(chou)不(bu)能(neng)(neng)替代(dai)車(che)輛(liang)(liang)(liang)保險(xian)，未在(zai)(zai)保險(xian)公司(si)購買保險(xian)而(er)購買“車(che)輛(liang)(liang)(liang)統(tong)(tong)籌(chou)”的(de)(de)機(ji)動車(che)輛(liang)(liang)(liang)，以后再向(xiang)保險(xian)公司(si)投保商業車(che)險(xian)時，無法(fa)享受連(lian)續投保及無賠(pei)(pei)款優惠。
核驗“身份”，防范誘導
消(xiao)(xiao)費(fei)者在購(gou)買車(che)(che)險(xian)(xian)時，首(shou)先須確認銷售機構是(shi)否具備(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)業務(wu)經營許可(ke)證，警惕(ti)“XX汽車(che)(che)服(fu)務(wu)公(gong)司”“XX統籌(chou)互(hu)助(zhu)平臺”等(deng)非(fei)保(bao)(bao)(bao)(bao)險(xian)(xian)機構的(de)(de)誘(you)導宣傳。其(qi)次要仔細(xi)查(cha)看合(he)同(tong)，勿輕信口頭(tou)承諾(nuo)。合(he)同(tong)中若出現“安全(quan)統籌(chou)”“責任(ren)互(hu)助(zhu)”等(deng)非(fei)保(bao)(bao)(bao)(bao)險(xian)(xian)術語，應立(li)即(ji)警惕(ti)。正規(gui)保(bao)(bao)(bao)(bao)單(dan)(dan)需注明保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司名(ming)(ming)稱(cheng)、備(bei)案條款及監管投訴電話。消(xiao)(xiao)費(fei)者可(ke)通(tong)(tong)過四(si)川(chuan)省(sheng)保(bao)(bao)(bao)(bao)險(xian)(xian)行業協會官網和(he)公(gong)眾(zhong)號(hao)(hao)查(cha)詢(xun)四(si)川(chuan)省(sheng)內合(he)法(fa)保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司目錄清(qing)單(dan)(dan)，同(tong)時可(ke)通(tong)(tong)過四(si)川(chuan)省(sheng)保(bao)(bao)(bao)(bao)險(xian)(xian)行業協會公(gong)眾(zhong)號(hao)(hao)和(he)“金事通(tong)(tong)”APP查(cha)詢(xun)名(ming)(ming)下合(he)法(fa)有效的(de)(de)車(che)(che)險(xian)(xian)保(bao)(bao)(bao)(bao)單(dan)(dan)信息，核驗是(shi)否由具備(bei)合(he)法(fa)資質的(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司承保(bao)(bao)(bao)(bao)，也可(ke)向保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司官方客戶服(fu)務(wu)熱(re)線進行咨詢(xun)確認，防止買到(dao)虛假(jia)車(che)(che)險(xian)(xian)。如果(guo)是(shi)新能源(yuan)車(che)(che)輛，可(ke)通(tong)(tong)過“車(che)(che)險(xian)(xian)好投保(bao)(bao)(bao)(bao)”公(gong)眾(zhong)號(hao)(hao)及網站(zhan)進行投保(bao)(bao)(bao)(bao)。
留存證據，及時維權
消費(fei)者若誤購“假保險”，應及(ji)時(shi)(shi)聯(lian)系統籌公司(si)要求解(jie)除(chu)合同并退(tui)款，同時(shi)(shi)盡快補購正規車(che)險。應注意妥善保存宣(xuan)傳資料、合同、付(fu)款憑證(zheng)等消費(fei)憑據，若協(xie)商(shang)退(tui)款不成，及(ji)時(shi)(shi)撥打12345、12378、12315等熱線電話(hua)投(tou)訴舉報(bao)，對涉嫌詐騙的，可向公安(an)機關報(bao)案。
掃碼投訴