Online insurance, advantages and disadvantages.
In today’s world, any self-respecting company working on its image, has a corporate website. Potential customers are much easier to learn about their interest goods and services, while sitting at the computer than phone calls or visit the company’s office. The number of services provided by various online financial institutions is growing. Following the banks provide their customers with remote maintenance accounts for online banking funds towards the Internet more and more are beginning to pay attention to many insurance companies, ready to provide online security services.
The essence of online insurance.
The essence of online insurance is to provide insurance services directly on the insurer’s website. And not all companies today provide a full range of activities for insurance online directly on your website. Many are limited to advice and the presentation of its services for online insurance. In this case, the potential client receives full information about how an insurance company, and on existing insurance programs, with the possibility of comparing them with each other, calculate the cost and choosing the best option insurance program. So, almost all insurance companies that provide services online insurance, give the opportunity to get expert advice online. After receiving all necessary information, you can be left online application for insurance, but to issue the policy still have in the office of the insurer.
In some cases, insurance companies offer a full range of online insurance, with the possibility of payment of the pole and sign the agreement on the company’s website. In this case, the customer service pole is made either by courier or the insurance company manager.
Pros and cons of online insurance.
The main advantage of online security, as well as many other types of online services is to save time. If you take a few hours, then filling out an application for a few tens of minutes to travel to the site of the insurer’s office and chat with the manager.
Another no less important advantage of this type of insurance is the cost savings. Many insurance companies when buying insurance online poles do its customers substantial discounts, sometimes reaching 20%. These prices are explained by significant savings of the insurer, the sale of poles via the Internet, on the lease of offices and salaries of staff.
But along with the advantages of online insurance it has a number of drawbacks, the first of which, the problems in the implementation payment of insurance poles. Delivery pole can occur in two ways. In the first case, the insurance company manager pole is delivered. The customer signs a contract in two copies, one of which shall retain and make the payment in cash to the manager. Here, the problem with the payment does not occur. Problems with the payment of insurance policy may occur when the second form of delivery. In this case, the insurer sends a mail client two samples of the contract in which it is necessary to put a signature and send one sample back, and to make payment through a bank or postal money order. If this letter gets lost and not come to the insurer to prove the fact of payment of the pole will be almost impossible.
Another not unimportant factor in the Internet security sphere is the problem of estimating the value of the insurance object. The fact that the online insurance options are set strictly fixed insurance sums, which can not be changed. As a consequence, the insurance payment may not be enough to cover losses or, on the contrary, there is a situation of overpayment for insurance.
Where to take out insurance through the Internet.
To insure online in several ways. The first of which is on the insurer’s website. Here, as mentioned above, you need to fill out a questionnaire to calculate the value of the pole on the online calculator, if necessary, to obtain expert advice and leave your coordinates.
For people who choose to be insured for the first time and can not find a suitable company, suitable insurance online insurance intermediary. In this type of online security are two possibilities obtain insurance. In the first option you must fill in the questionnaire and the program will calculate the payments on all insurers, it cooperates with the mediator. Customer can only select the appropriate option. The second option is a longer but more reliable. In this case, you must leave a detailed application online broker with an indication of the requirements, conditions of insurance, a detailed description of the object of insurance, etc. Next to the application are professional brokers who selected the most suitable for the client company and the insurance program.
Online Insurance Supermarkets are websites to help you choose the most appropriate insurance. On this site you must leave the application on the interests of insurance, which is then sent to the companies cooperating with a supermarket. After that, the client receives offers from insurers to e-mail and choose the most suitable insurance with his conditions.
The service is relatively young online insurance in the domestic market, compared with the countries of western Europe, in which the proportion of insurance sales via the Internet pole exceeds 5%, showing growth of 70% per year. Not That intelligible legislation, indiscriminate distrust of our people to all new retard the development of the insurance sector.