Buying a car with a loan needs to be insured in a 4s shop. The following is the insurance for the new car: 1. Compulsory insurance: it is compulsory insurance for motor vehicles. In case of personal injury and property loss caused by road traffic accident of the insured motor vehicle, the insurance company will compensate the victims (excluding those on board) within the limit of liability. Simply put, compulsory insurance is "compulsory three liability insurance". Compulsory insurance is illegal. 2. Third-party liability insurance: referred to as "three liability insurance" for short, it means that the insured or the qualified driver allowed by the insured suffers personal injury or personal injury from a third party and the property is directly damaged. Generally, the compensation limits of the three liability insurances are 50,000, 654.38+10,000,150,000, 200,000, 300,000, 500,000 and 100, which are selected by the insured. 3. Vehicle loss insurance: Vehicle loss insurance refers to the loss of the insured vehicle itself caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability. The insurer pays compensation according to the provisions of the insurance contract, which is contrary to the third party liability insurance.
Is it a overlord clause for 4s shops to force in-store insurance?
Is it a overlord clause for 4s shops to force in-store insurance?
There is no basis for stores to force insurance. Without this provision, it is not only unfounded, but also illegal. But it should be noted that what is said here is "compulsory".
legal provision
According to the Measures for the Administration of Automobile Sales
Article 14 Suppliers and distributors shall not restrict consumers' residence, and shall not restrict suppliers and after-sales service providers of auto parts, supplies, finance, insurance, rescue and other products from providing services to consumers, except for three-guarantee service and recalled auto products and other accessories and services used by suppliers at their expense. When selling cars, dealers shall not force consumers to buy insurance or provide services such as vehicle registration on their behalf.
In violation of the above circumstances, the local commerce authorities at or above the county level shall order it to make corrections, and may impose a warning or a fine of not more than 30,000 yuan.
To put it bluntly, if there is bundling (insurance/finance/extended warranty, etc. ) through the dealer, you can report it. ...
Dealer statement
If you borrow money to buy a car
Buying a car with a loan requires signing many contracts. Buying insurance in the store may be included in the financial contract. If you don't sign the contract, it means that you recognize the agreement between the two parties. Insurance is not compulsory here. Here, the contract agreed by both parties is not illegal. Of course, this method was used to buy cars a few years ago, but now it is rarely tied to insurance contracts. ..
If it's a full car purchase
Insurance must be purchased in the store, because the sales will say that vehicles can't go on the road without paying compulsory insurance (this is a fact); Moreover, after buying a car, many insurance companies will open stores in 4S, which is no longer a single bundle sale. The insurance price is negotiated by you. To put it bluntly, it is the same as buying insurance outside.
In fact, it doesn't make much difference to buy insurance in the store for the first time, but the relative situation is more expensive. It is best not to buy insurance in the store. Many 4s stores will tell you that there are no discounts on models and no cars. Those present have to wait too long to pick up the car, and these statements can also make sense before the law. ...
label
At present, most 4S stores no longer bundle your insurance, and the content and amount of insurance are negotiated by yourself and the insurance Commissioner. But if you buy insurance in the store, you can't drive. You can't go on the road without compulsory insurance, which is stipulated by law. This sentence can make your argument pale and powerless.
Furthermore, even if in-store insurance and out-of-store insurance are taken as examples, the insurance difference between the two models is around 1 1,000-2,000 yuan. Anyway, there is no discount for the first year of insurance, so why bother!
It is illegal and a kind of compulsory consumption.
If you find it unacceptable, the best way is to go to the 4s in other places or find a local auto trade shop to buy a car. Let the auto trade shop help you find the source of foreign 4s or local 4s.
Ms. Liu bought a car in the car 4S shop and paid the first year premium and renewal deposit. Because the insurance price provided by the 4S shop is too high, not long ago, Ms. Liu did not want to renew her insurance in the 4S shop, but was told that the renewal deposit would not be refunded. The dispute between the two parties was fruitless, and Ms. Liu complained to Peyo Industrial and Commercial Office of Chuanying Industrial and Commercial Branch. On June 5438+February 1 1 day, the person in charge of the store agreed to return the 2000 yuan renewal deposit to Ms. Liu after mediation by the law enforcement officers of the firm.
According to Ms. Liu, she bought a car in a shop in our city at 65438 on February 8 last year. It was a loan to buy a car. The loan procedure was handled in a shop in 4 S. The loan period is two years. The first year premium is 8866 yuan, and the "renewal premium" is 2000 yuan. Now, the one-year insurance is about to expire. Ms. Liu thinks that the insurance price provided by the 4S shop of the car is too high, and she is unwilling to renew the insurance in the 4S shop and asks for a refund of the deposit.
However, the staff of the car's 4S shop told Ms. Liu that according to the regulations, if the loan car is not continuously renewed in the 4S shop, the deposit will not be refunded. Ms Liu thought it was unreasonable, so she came to Peyo Industrial and Commercial Office of Chuanying Industrial and Commercial Branch for help.
After receiving the complaint, the law enforcement officers of Peyo Industrial and Commercial Office immediately got in touch with the person in charge of the 4S shop. After investigation, what Ms. Liu said is true.
According to law enforcement officials, the practice of the car shop has violated the relevant provisions of China's General Principles of Civil Law and Contract Law, and damaged Ms. Liu's legitimate rights and interests. Moreover, the Law on the Protection of Consumer Rights and Interests clearly stipulates that consumers have the right to choose their own goods or services and the right to fair trade. The compulsory tying insurance of the car's 4S shop belongs to the typical "overlord" clause, and Ms. Liu has the right to refuse.
According to relevant laws and regulations, the person in charge of the 4S shop agreed to refund the renewal deposit to Ms. Liu after patient explanation by law enforcement officers. Industrial and commercial law enforcement officers reminded that it is unreasonable to sell car tying insurance, and the "renewal deposit" is a compulsory consumption phenomenon, which violates the principle of voluntary consumption and consumers have the right to refuse. When signing a car purchase contract, consumers must carefully read the specific contents of the contract, and don't trust the verbal promises of the merchants.
Any business must make money, where is the operating cost? Buy a 200,000 car in the store, buy insurance, and get a discount of 20,000. If you don't buy it, get a discount of 1.8 million. Isn't that different? Preferential policies are determined by merchants in combination with manufacturers' promotion policies and their own conditions, and there is no stipulation on how much discount you must give. Buying a car is a happy thing, you care too much. It is not worth the cost to spend money on it. You are willing to buy, he is willing to sell, that's all.
There were too many pits in the fourth son's shop and he suffered a lot.
Do I have to buy insurance in a 4s shop to buy a car?
From the perspective of consumers' rights and interests, consumers have the right to choose insurance companies, and they don't have to take out insurance in stores.
However, if the car purchase contract States that it must be insured in a 4S shop, it must be purchased in a 4 S shop. If not, you don't have to choose your own insurance company.
However, as far as the current hidden rules of the industry are concerned, many guarantee companies recommended by 4S stores for lenders will designate insurance companies for lenders. If the guarantee company you are looking for has designated an insurance company for you, and you have not transferred to another insurance company, it is still a breach of contract. In case of default, the deposit paid by the lender may not be recovered.
Extended data
Mr. Yang said that he bought an SUV in an Audi 4S shop in Shuangliu in February, 20 15. At the time of payment, the salesperson told him that if he borrowed money to buy a car, he could get a few more discounts.
Thinking of saving more money and working capital, Mr. Yang decided to borrow money to buy a car. After completing the car purchase procedure, the staff of 4S shop told him that because it was a car bought by loan, Mr. Yang's new car had to be bought in the store for three consecutive years.
Mr. Yang revealed that in the first year, he spent 65,438 438+ 10/00000 yuan on the insurance purchased in the 4S store. Last year, his vehicle commercial insurance expired in February. Considering that the 4S shop must buy all insurance and the cost is high, Mr. Yang intends to buy auto insurance outside by himself. However, the renewal staff of the 4S shop told him that if he bought insurance outside, the deposit he had paid before could not be refunded to him.
Mr. Yang said that the loan period for vehicles is three years. After buying a car, the 4S shop requires the owner to buy auto insurance at the 4S shop during the loan period and pay a loan deposit of 5,000 yuan. "They said that this loan deposit will be repaid after the loan is paid off." . But if Mr. Yang doesn't buy full insurance for three years, the loan deposit of 5,000 yuan will not be refunded.
Subsequently, the reporter called Mr. Yang's 4S shop to buy auto insurance and asked if it was necessary to buy auto insurance in the store for loan car purchase. Sales staff said that if a loan is made, commercial auto insurance must be purchased in the store during the loan period, including car damage insurance, three-way insurance and theft insurance. In addition, an additional renewal deposit must be paid when handling the loan, and the deposit will be fully refunded after the loan expires and the insurance is purchased in full as required.
Regarding the phenomenon that the loan to buy a car is forced to be bound by 4S stores, the legal person of Sichuan Insurance Industry Association said that buying a car insurance should follow the principle of voluntariness, which insurance company to go to, which channel to go to, and which commercial insurance to buy are all consumers' rights.
Dealers charge "renewal" in the name of agency loans, forcing consumers to renew their insurance in 4S stores during the loan period, which has violated consumers' right to choose independently. Consumers can complain to the industrial and commercial departments or bring a lawsuit to the people.
In addition, lawyers also said that consumers should pay attention to the terms of the contract when handling car loans, see whether the specific requirements and time limit for deposit redemption are reasonable, and keep valid documents such as contracts and receipts.
Last week, after visiting a number of 4S stores as consumers, the reporter found that it seems to have become a "hidden rule" in the industry to bundle car loans to buy auto insurance and pay renewal deposits, and almost every 4S store is doing this.
In a BMW 4S shop on Airport Road, when the reporter offered a loan to buy a car, the salesperson said that if he wanted to buy a car with a loan, he should buy commercial auto insurance in the store. "You don't have to be fully insured. You can choose your own insurance, but you should buy it from us during the loan period." At the same time, he also mentioned the matter of paying the loan deposit.
At another BMW 4S store near Shuangliu Outlets, the sales staff also actively introduced another way, "Save 30,000 yuan with us, buy insurance in the store during the loan period, and give you all the insurance for the first year free of charge", and said that if there is any money left after paying off the loan, the 4S store can refund the balance.
In a Buick 4S shop on Airport Road, when the salesperson listed the car purchase cost to the reporter, he clearly wrote down the insurance and renewal deposit of a certain car. The salesperson said, "These are all loans to buy a car."
4S shop adopts the four-in-one business model of automobile sales, but its function does not include sales insurance. So, what is the purpose of asking car buyers to buy insurance in 4S stores?
According to people in the insurance industry, all stores in 4S are part-time agents of commercial auto insurance business of insurance companies. Bundling car insurance in 4S stores can increase income, because they will get high "kickbacks" from insurance companies.
It is understood that the so-called "rebate" refers to the commission given by the insurance company to the agent. In the past, the common practice in the insurance industry was to implement a guiding ratio before the regulatory authorities: 65,438+05%. However, at present, various companies have broken through the "guide price" of 15%, and strive for more 4S stores to sell their auto insurance products by continuously increasing commissions.
The person in charge of the intermediary channel of a property insurance company told Chengdu Business Daily that at present, the commission paid by various insurance companies in Sichuan to 4S stores in the auto insurance business generally exceeds 45%. "For example, some large insurance companies may give 40% and 45%, while some small insurance companies want to compete for the market, they must give 50% or even 60% to be' put on the shelves' by 4S stores." Agents such as 4S stores have made huge profits from it. "Every time they make a single order, the gross profit can reach about 50%, which is more profitable than selling cars."