Is it not possible to sell fire insurance policies in supermarkets?
In an interview with Chabak Online, “Alireza Moqrab” said: Many experts in the insurance industry believe that many insurance policies can be sold in person without consulting the insurer, but in the field of fire insurance Such a thing is not possible.
It is said that some products, such as fire insurance and accident insurance, can be offered in supermarkets and chain stores because they are commonly used, and sometimes there are stands for these insurance policies in foreign stores.
The head of the technical council of Alborz insurance company added: In the field of fire insurance, only items that do not need to be visited can be sold in person in stores and supermarkets, because fire insurance is not like car insurance, which has the same conditions. To be sold in supermarkets.
The secretary of the fire insurance working group of the Iranian Insurers’ Syndicate noted that in fire insurance policies, apart from the main risk, approximately 24 additional risks are presented, and perhaps the main risks that can be provided for residential houses, places and offices are as Limited and with limited capital offered in stores.
Moqrab continued: for risks such as floods, landslides, and theft, an insurance policy cannot be issued without a visit, because first of all, the ability to be insured must be proven, and secondly, it must be seen that in addition to the ability to be insured, there is also the possibility of presenting an additional risk. ?
Pointing out that fire insurance policies can be introduced everywhere, he said: It is possible to draw the customer’s attention to fire insurance policies anywhere, but to issue an insurance policy, especially for a comprehensive fire insurance policy. , more information is needed.
The head of the technical council of Alborz insurance company stated: If an insurance company is to provide a good and valid insurance policy in the form of industrial and non-industrial cases, it needs to visit and receive more detailed information, of course, the sales network can be creative and Intellectual transformation and use of current market conditions to invent new ways to sell insurance policies.
Referring to the entry of start-ups into the field of fire insurance policies, Moqrab said: the start-ups could not achieve their goal regarding fire insurance policies because it is not practical because the first condition of selling a good fire insurance policy is Visiting the insured place.
Stating that the most sales of fire insurance policy are related to industrial risks, he added: There is a need to visit the insurance case in this type of insurance policy, but the sales network can increase the sensitivity of the customer to buy the product and pay attention to it. Inspire new methods.
The secretary of the fire insurance working group of the Iranian Insurers’ Syndicate said: since the late 70s, the price fluctuation was considered and implemented for car body insurance coverage, and recently it was decided in the Iranian Insurers’ Syndicate due to the existing inflationary conditions that This issue should also be considered for fire insurance.
Moqrab continued: But in the case of fire insurance, it is not so easy and there are many complications, that’s why a committee has been selected in the syndicate so that they can make it possible for the insured to be able to issue the insurance for a number of insurance cases. Cover that price fluctuation at the very beginning by paying the appropriate insurance premium.
Source: Agile online