Zhangzhou home building materials hit the insurance card to insure into the building materials product selling point

A number of building materials manufacturers, including Promethean Sanitary Ware, Tiantao Sanitary Ware and some door and window brands, will be marked with such words as “PICC Underwriting” and “Yongan Underwriting” in the conspicuous place of their individual products. If lighting products such as lighting fixtures and range hoods are added, one or twenty brands in the home building materials market in Chenzhou have insured liability insurance or product quality insurance.

Personal accident insurance, auto insurance, travel insurance... At present, all kinds of insurance have penetrated into the lives of citizens. With the development of the insurance market in Zhangzhou, the market is constantly refining, and more industries are turning their attention to insurance. The home industry is one of them. A few days ago, the reporter found in the visit that many building materials businesses in the market have quietly played "insponsible cards."

Insured into a building material product selling point

"Look, our company's products are also covered by Ping An Property Insurance. You can rest assured that the quality. Even if there is an accident, you will definitely not suffer losses..." Recently, in the urban building materials market, Mr. Liu, the owner of a shower room store After welcoming the various advantages of her own products, Ms. Lin, who came to buy, focused on explaining the product insurance situation to her, and she really let Ms. Lin dispel her concerns and squander the money.

The building materials products on the market are mixed, and there is a big guarantee for insurance. Ms. Lin said. Ms. Lin has a lot of psychological psychology. Mr. Liu confirmed to reporters that the insured products are very popular among consumers, and this is a good selling point.

Later, when the reporter visited the building materials market, he found that many building materials manufacturers including Prometheus Sanitary Ware, Tiantao Sanitary Ware and some door and window brands will be marked with “PICC underwriting” and “Yong’an underwriting” in the conspicuous place of their individual products. And other words. If lighting products such as lighting fixtures and range hoods are added, one or twenty brands in the home building materials market in Chenzhou have insured liability insurance or product quality insurance.

Product insurance benefits many parties

Then, how much is the correlation between the insurance and consumer interests advertised by building materials merchants? The reporter specially consulted the relevant person in charge of the People’s Insurance and Insurance Zhangzhou Branch.

It is understood that enterprises invest in so-called "product quality insurance" or "product liability insurance", the purpose is to reduce corporate risks, and the relationship between dealers and consumers is not great. "Like a shower room, such as a high-risk product, if there is a wounding incident, the company's compensation pressure will be relatively large. Some powerful companies have a strong sense of insurance, so they are willing to invest in this area." Say.

As for the benefits of merchant insurance for consumers, the person in charge said that it is not without. For example, the merchant is very easy to talk to the consumer about the compensation problem, or the merchant has no funds to pay at all. If there is an insurance company involved, the parties will not be blushing when dealing with compensation.

The person in charge also said that consumers may think that the product has problems during the warranty period, and the loss to itself must of course be paid by the merchant. Therefore, whether the merchant is insured does not have much to do with consumer rights protection, the actual situation is not the case. The person in charge explained that the consumer can claim compensation from the merchant through the relevant documents obtained when purchasing the product, and then the merchant then recovers the compensation from the headquarters to the insurance company through the headquarters. In this way, at least the accident handling time can be greatly shortened, and consumers can be assured of eating in advance. Of course, the brand image of the merchant has also been improved in the accident handling.

Building materials insurance is not high enough

Property insurance has various benefits for all parties in the market, but overall, the enthusiasm of the entire building materials market for insurance is still to be improved.

A brand ceiling guide even said: "Since those brands advertise their products have no problem in terms of quality, why should they waste that money?" The shopping guide believes that even her grassroots sales staff Knowing the cost-saving principle, in the case of manufacturers with specialized financial personnel, they are certainly not willing to invest in insurance.

The relevant staff of the Cangzhou Insurance Association told reporters that at present, there are very few customers in Zhangzhou. In addition to the lack of insurance awareness of related companies in Ganzhou, factors such as the lack of relevant industry standards and the lack of authoritative third-party appraisal institutions have also led to the collapse of insurance business in the field of home building materials. "If an insurance company wants to introduce relevant insurance, it must conduct a comprehensive understanding of the scale, qualifications, product maturity, and relevant agency certification of the building materials company, and use this as a basis to determine the rate. Unfortunately, many of them are in Blank status," the staff member said.

However, the staff member revealed that since this year, several ceramic and furniture companies in Perak have taken the initiative to contact the local large insurance companies to make contact with the insurance policy. Although the contract has not yet been finalized, it is no small progress. .

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