Clipping of news on Brazilian Culture, Law and Citizenship
07/10/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Consumers should analyze well the company if they choose an online insurance Photo: publicity
Technology has to make life easier for people and otimitizar processes. However, some comfort can cost in the long run expensive. This is the case of the Online Insurance, which works as follows: typically the client accesses the company's website on the Internet, fill out a form with your information and choose the best service that is offered. So the negotiations become more practical and fast to the customer.
It turns out that Carlos Valle, director of the National Federation of Private Insurance and Reinsurance Brokers (Fenacor) warns that these offers can be a trap for consumers. This exchange of 'trusted broker' by a 'telephone number Brokerage Bank or insurance', as defined Carlos, can create a false sense of security that sometimes is more damaging than the lack of it.
The director also says that many of the companies that offer services 100% online not formally registered with the Superintendency of Private Insurance (SUSEP), the regulator of the market in Brazil, which can pose risks at the time of the contract. "To say 'no broker' is cheaper, is pure illusion. What in most cases happens, it is an offer of lower quality coverage and services, creating the false illusion of security, which is worse than the lack thereof "he explains in one of his texts produced.
The purpose of technology is to contribute to the improvement in customer service, but can not replace human interaction. That's what Carlos believes. "New technologies are coming to give us subsidies and become more efficient. But finding that service contracts, particularly the insurance that has infinite variables, can match the purchase of a commodity, it's a mistake," he explains.
It is important that the one who is interested in an online safe exercise caution and not get carried away by propaganda. Carlos believes that often the consumer thinks to be saving, but end up hiring a service with inadequate coverage.
Consumers should avoid companies that do not have physical locations
If the customer wishes to carry out the contract of insurance or any other purchase any product online so it should prefer those with a physical address. "There are consumers who turn to Procon because they felt harmed in some way by an online contract. But when we check, there is no physical address, even a phone number. This complicates our inspection work," says Roberto Campos , supervisory director of the Consumer Protection Agency of Pernambuco (Procon-SP).
It also gives tips on how to act when hiring an online service and explains that it is necessary to know the company, and know well the conditions under which the product is being hired and require that there is a contract document certifying that the service performed will be consistent with the offered. "People sometimes get carried away by propaganda and end up disappointed with the actual service offered," exemplifies the director.
Another tip is that there is a period of seven days to exercise the right of repentance, in which the company must return the money and cancel the operation at no additional cost. "The technologies are to make life easier, but can often end up turning into a nightmare," said Ricardo.
Source: UOL
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This article was translated by an automatic translation system, and was therefore not reviewed by people.