The Black Cat Complaint Platform has more than 10,000 complaints about the insured express price, including lost parts, damages, unauthorized changes to the insured price, and rejection of the
express insured doorways, which are more than 10 times the same value.
A few days ago, the Shanghai Consumer Insurance Commission conducted an evaluation on the premium of express delivery and released the results.
A reporter from the Beijing Youth Daily learned that each express company has its own different requirements and billing methods for insured prices, and the difference in insured costs is obvious. The insured costs of express mail with the same declared value may differ by nearly 10 times.
In addition, many consumers believe that the insured value is equal to the amount of compensation that consumers can get, but express companies have their own calculation methods, so disputes over express insured prices have frequently appeared.
discover
There is no uniform standard for express insured price
The cost difference of the same value is nearly 10 times
At present, for the valuable items sent by consumers, the common practice of various domestic express companies is to recommend insuring the price and charging the corresponding insured fee.
However, because there is no uniform standard for insurance premiums, many consumers do not know which courier company's insurance premiums are cheaper.
The Shanghai Consumer Insurance Commission’s actual evaluation shows that most express delivery companies’ insured fees are divided according to the declared value of the items delivered by consumers. A fixed insured fee is applied to the relatively low declared value, while a proportional insured rate is applied to the higher declared value. .
There are also differences in prices among express mails with the same declared value.
Among them, the insured price of express items worth less than 1,000 yuan ranges from 0.9 yuan to 8 yuan, and the insured value of express items worth 10,000 yuan ranges from 24 yuan to more than 100 yuan.
A reporter from the Beijing Youth Daily learned that most express companies will set a maximum declared value or actual value upper limit for a single ticket, generally 20,000 to 30,000.
According to data from the Shanghai Consumer Insurance Commission, JD.com's single-ticket insured price limit is 300,000 yuan, and the highest declared value of Debon can reach 1 million yuan.
SF Express did not inquire about the specific upper limit description.
survey
All companies have insured policies
There are many "reasons" for courier rejection
Although every courier company has a price-insurance policy, there will be many situations in the specific implementation.
At present, the more popular way for individuals to send express delivery is to place an order through a small program or an App, but some courier companies such as Shentong do not have an insured item on the order page in the small program.
A reporter from the Beijing Youth Daily consulted some express customer service. The other party said that if the price is insured after self-ordering, the courier who receives the parcel can be operated.
However, on the side of the courier, price insuring has become a "difficult problem."
"If your electronic product is insured, I suggest that you still ask SF Express, we can't receive it." A courier guy from a Tongda department said that he didn't know why he didn't accept it.
Another courier company, which is unwilling to receive and send documents insured express, said that it could not confirm the value of insured goods.
A reporter from the Beijing Youth Daily learned that many express companies have corresponding regulations for insured items. For example, YTO does not insure items whose true value cannot be verified, such as invoices, bills, documents, etc.; Yunda cannot insure prices for refrigerated items, handicrafts, and fresh plants, etc. .
However, some express mails rejected by the courier are not included in the above categories.
reason
Compensation is difficult for high-priced express delivery problems
"Maybe it will be done for nothing in a month"
In this regard, some express practitioners said that at present some express companies are still franchised. If there is a problem with high-value express delivery, the franchised site will bear the responsibility for compensation. This also leads to some express sites unwilling to insure customers or explicitly not accept high prices. Value express.
"For them, they may make one or two yuan per express, but once the insured package goes wrong, it may be useless in a month."
Similar situations have occurred before, and more of them are compensation issues after insuring the price. For example, "a box of 6 bottles of Feitian Moutai will be insured at the market price of 4,000 yuan per bottle at the time of delivery, but it can only be compensated at the ex-factory price of 1,499 yuan per bottle. "Bottle to compensate", "Obviously, the courier was asked to insure the value of 14,000 yuan at the time of delivery, but the courier only filled in the value of 5,000 yuan when placing the order, and when the claim was settled, he said that he could only indemnify 500 yuan.", "Insured express delivery It has been damaged, but the courier company is only willing to pay one-tenth of the value and let me repair it"...
A reporter from Beiqing Daily saw on the Black Cat complaint platform that there were more than 10,000 complaints about express delivery insured. In addition to the loss or damage of express delivery after insured, the complaint also includes the private increase or decrease of insured price for users when the courier charges. Gold, customer service evasively not insured and other aspects.
The object of the complaint involves many domestic express companies.
focus on
Lose as much as you insure?
The courier company doesn't count that
Many consumers think that the insured value is equal to the amount of compensation that consumers can get, and express companies say that these are all written in the relevant regulations.
A reporter from the Beiqing Daily inquired about the insured clauses of some express companies, and some companies divided the situation into "full insurance" and "underfunded insurance."
The customer service of the express company explained that if the shipment is 800 yuan and there is an invoice or certificate, if the insured value is 1,000 yuan, then once it is lost, 800 yuan will be compensated according to the actual loss.
If the declared value is 500 yuan, 625 yuan will be compensated according to the insured value.
Of course, if the shipment is only partly damaged, the proportion of compensation may be less.
Regarding these terms, users who place an order in the Mini Program or App will not be able to complete the order if they do not check it, and the courier will not actively inform the above situation if the express is collected in person.
The Shanghai Municipal Consumer Insurance Commission reminded consumers that the insurance premium itself is a “risk-to-gamble”, and the expensive ones may not necessarily be “win the bet”, and the cheap ones may not necessarily be the “gamble lost”.
If consumers have a need for express delivery insured value, they can understand the insured fee charging standards of each express company in advance and calculate the insured cost. Before placing an order, contact the insured express company to confirm the insured cost and other relevant precautions.
It is recommended that consumers compare the service reputation of major express companies, and it is most important to choose the right express company rationally.
However, some people in the legal profession said that the relevant legal departments should issue more detailed laws and regulations to specify the compensation standard, the subject of the claim, and the burden of proof for express delivery insured prices.
Reduce the difficulties and unnecessary burdens of consumer rights protection.
Text / reporter Zhang Xin
Coordinator/Yu Meiying
Photo courtesy/Visual China
Express Insured Complaint
quantity
More than 10,000
Complaint object
Many domestic express companies
content
Disputes about loss or damage of express delivery after insuring
The courier increases or decreases the insured amount privately when charging
Customer service evasively not insured