Everyone is particularly anxious about the capital chain of freight logistics. In the past two years, they bought more than a dozen large trucks and spent a lot of project investment on the websites of various cities. It is also a common phenomenon in the industry that the funds of large customers are slowly returned. In addition, the amount of commercial insurance for large trucks exceeds several hundred thousand every year, and the rapid development trend of enterprises has encountered a great vacancy of assets. Auto insurance staging is a real privilege for enterprises to reduce the pressure of asset work at a very high level. The significance of auto insurance staging lies in the high premium of trucks in the transportation team. After monthly installment, the cash pressure suddenly decreases, which can greatly alleviate the situation that enterprises are short of money. There are hundreds of trucks in the transportation team, each with a premium of 20,000-30,000, and the total premium is millions or even tens of millions. It's not easy to take out so much money at once. However, the monthly repayment pressure is much smaller.
* * At present, there are two kinds of auto insurance installments on the market * *
1. Car loan insurance in self-owned credit insurance products of insurance companies
2. Insurance installment products of financial companies.
Because the market of car loan insurance is not large, the installment products of financial platform insurance now occupy the vast majority of the market. In fact, its principle is similar to that of ordinary consumer loans.
* * Car insurance is divided into two parts * *
1, compulsory insurance paid by the state
2. Commercial insurance provided by the owner himself.
The general operation is to collate the platform underwriting and upload it to the bank or the investor for preliminary examination. Then, the relevant quotation payment is completed by collecting credit and paying the insurance company by installment. Finally, there will be relevant feedback. The platform will deposit the auto insurance premium into the account of the insurance company, and the insurance company will issue the bill, stipulating that the first beneficiary is the financial company. The platform will issue an electronic insurance policy or a paper insurance policy to the customer, and then the car dealer or the transportation team will return the premium that should be paid to the financial company on a monthly basis. If the premium is overdue, the insured has the right to surrender to the insurance company, so there will be no great risk of bad debts.