an interesting project

He was reviewing publications on my wall of my Facebook profile when I have fallen in an advertisement for "Health insurance". More as a matter of curiosity (I already have another company health insurance) I have punctured the link and I have been analyzing carefully the web that ran me the ad.
I've been approaching small steps to the "facebook" scene, not only as a user but also as a possible point of destination of our brokerage business campaigns (by the way until that one does not have 25 fans not can customize the web address that assigns facebook)(I leave this topic for a future post).
Returning to the thread, I see Facebook as an ideal platform of advertising development or place where create commercial campaigns, I did not find anything, the statistics speak for themselves, millions of users around the world and growing at breakneck speed. I mention much when I have time, I do not see my daughter when is greater today is 8 years old) approaching the Office of an Ombudsman for the recruitment of a policy process, eye I refer to the recruitment process, if we need for other issues, or I hope so (this also gives for another post). The case is that I think that it will be on social networks where she will and will buy a number of services and products and quite possibly on the recommendation of its network.
 I was surprised by a number of issues on the one hand, have agreed to it from facebook, on the other hand his impeccable and usable design (I have asked a budget from the Ipad without any kind of problems), clean, direct and with information supplementary content We a web book. But perhaps what most caught the attention that it is not a project of the company, which may well give that sense, what's behind according to the policy of the web is an exclusive insurance agency of Fiatc. This indicates that there are elements in the mediation are beginning to move very well executed and studied proposals for high-value and I think that deserves a mention.

Guide to good practice from UNESPA

UNESPA tend to edit some guides to good practice recommendation to consumers for the sake of transparency of the companies in the process leading to the hiring of the policy. In this case for your interest we link the last edited in February 2010 and that we have found little information on the internet:

Guide of good practices in matters of information previous A LA recruitment in the insurance of car (download)

In theory those insurance entities to freely adhere to this guide of good practice are committed to providing the potential policyholder on a mandatory basis as of September 30, 2010.
Seems to be a great initiative that everything that goes to try to shake that reputation of obscurantism accompanied to insurance contracts are convinced that will help to improve the image of our industry.
In any case I tried to find on the website of Unespa the repository of these documents as well as a list of companies that have joined this initiative and the truth is that I had not been possible, I think that they should be leading the companies who will be joining these initiatives as they are a good guarantee of Home for the consumer.

Abuse to customer

Companies in telecommunications, banking, insurance, utilities, each and every one of them is calibrated by attracting new customers. Gifts of mobile phones, game consoles, televisions, Ipads, prices more low, shares at half price, anything goes to attract your attention. Enormous amounts of money invested in advertising campaigns to attract a new customer that you improved even more supply if you come on top of the competition.
The thing does not end here, large corporations are also creating a culture that summarizes the typical saying that "no crying no mama". Little to talk about with your circle of friends you will find several instances of someone who has used the threat of to unsubscribe from a service to obtain special discounts.

What insurance concerns the situation becomes embarrassing in some cases and for some companies. Offers submitted that lack of the minimum technical analysis of profitability, enough that takes a reference premium from another company to lower half what is offered by the competition, or just with that report that the client requests the lower so that apply you the famous "portfolio retention" i.e.maintaining profitable customer if or if.
But

where we leave good customer?

that pays your receipt religiously every year, which has remained faithful in our bag of customers, that whose profitability is extraordinary because it has not generated the lower domestic spending for your company. An unjust situation clearly and more if we think that basically is this which is paying the discounts that apply to those who "lloriquean" for a price better.
But I imagine that the results in the short term are those who send them, I guess it is studied that customer good will remain good client until the end of his days and what premium at the moment is to present results of growth, now come the returns later, dangerous game.
By finishing with a thread of hope we see that some companies, few, have put in place systems of loyalty based on profitability, as the case of managed client of Liberty, which seek to determine who is "loyal and profitable" and reward them for this reason avoiding this has to beg him.

Refund of insurance policies

For a time this part insurance companies are becoming more strict with regard to the claim of insurance policies for cancellation outside time limits.

You should be aware that if you Mr. client does not communicate the advance referred to article 22 of law 50/1980 his opposition to the extension of the contract the company has the right to claim its extending down the road as it deems appropriate.

In other words, if an insured person falls on this humble blog, if not inform your insurance company with 2 months in advance which does not intend to renew your insurance, the company can claim even legal to do so.

This articles is nothing new, the novelty is that companies are starting to make effective the implementation of this article in a systematic way. To date seemed that a kind of Pact prevailed of non aggression between companies, mediators, and customers. The thing was obvious, much of the new business comes from competition if we are strict in the application of the standard captaremos much less business.

But it is that new customer acquisition is not so simple in the times in which we operate longer and added to this is an increase of the cancellation of existing business which causes closure of rows in an attempt to lose the less possible businessthe profitability of a policy is closely tied to its duration.

This is point is when companies have been strict and demanding returned receipts to support, in many cases, in external companies specializing in defaults.

¿Are in the right companies? Without a doubt, the article is very clear as regards the time limits, but customers should be aware that also they them protects other actions that can release it this extension

We are referring first to article 15, 2nd paragraph, LCS stating that the company has within 6 months from the due date to claim receipt, failing which the contract is extinguished.Also but with some nuances, it can be argued that if between lower communication made by the client (although it has been carried out outside that period but before the expiry date) the company no objection within a reasonable timethe contract could be interpreted as resolved as the silence of the insurer would be the cup of the low acceptance.Another line of support is on whether there was a change significantly from one of the essential elements of the insurance contract and unilateral (article 8 LCS: Premium, insured amount, mediator, risk, etc.), it could not be seen as a case of extension of the insurance contract but as a true renewal of the same ason the one hand, it has to be formalized in writing to the policyholder (article 5 LCS) and, on the other, calls for the provision of the consent of both parties for their validity (articles 1203,1256, 1261.1 Civil Code).In this case they would not be implementing articles 15 and 22 LCS to represent the novation a new contract and it not the extension of a contract prior to the same conditions.

This repository (developed by the Legal Department of Espabrok) can help customers in its defense in case of return of receipts out deadlines, although our recommendation to customers and to avoid problems is to request a preventive cancellation more than 60 days in advance that will release them from his contract and they will allow them to explore new alternativesapproaching its mediator of confidence that surely you will be able to complete this information.

We additionally recommend the reading of one of the threads of the Rankia forums in which Carlos Lluch adds light to the consultation of a user and as always with very good judgement

View the original article here

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