Today, more than 2000 million in Alibaba's online shopping business may require the seller to purchase insurance, such as online transaction to buy the products in question, or products sold "fly", directly to the insurance claim, which in the global web site is the first time. Yesterday, Alibaba and Global 500 - the largest U.S. business insurers announced AIU achieve this cooperation. Alibaba also disclosed that Taobao will be introduced later.
Liability insurance accounted for half of the U.S. property insurance
"Product liability" is the core content of bilateral cooperation. Product liability claims, often made by consumers because the product design, manufacturing, warning and assurance, labeling and packaging defects on the facts. In addition, product storage, transportation or handling may result in claims.
AIU Insurance Company Shanghai Branch Vice President Zeng Man interviewed said that at present, the domestic buyers willing to buy product liability insurance, only 4% of the people, but are mostly in response to the request of a passive foreign importers insurance. In overseas, liability insurance has become a very mature insurance, liability insurance, such as the United States, accounting for almost half of the property insurance coverage.
Consumers may claim to the insurance company
Network transactions from the seller and the product liability insurance insurance companies signed agreement. Each product sold on the network that contain insurance and with insurance documents. Consumers use the product process, because the product defects, damage occurred during transportation, or personal injury caused by quality problems, are the receipts from the insurance company can claim. Also, if consumers buy the product did not receive goods, can also claim to insurance companies. Claim amount will be based on the seller and insurance companies signed the insurance agreement to determine.
Even consumers from the Internet and bought fruits to eat when to choke, you can claim the insurance company.
Taobao will also introduce the insurance system
Alibaba told the reporter, this mode will be gradually introduced to Taobao. Currently, Taobao C2C occupied 85% domestic market share, with tens of millions of users. Taobao trading commodity quality is the most difficult problems, buyers do not trust, the seller can not promise. Buyers would not worry about sold "distorted goods," can claim the insurance money because the seller has to solve the buyer does not trust.
Internet analysts said it was the first to enter the insurance industry model of such cooperation, promotion of global e-commerce industry, trade patterns, the move towards global trade opportunities for domestic enterprises equal significance, the most direct expression is the original because of credit, guarantee imperfect system, the threshold is broken.
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