Can traveling a large variable, can buy "hotel cancellation insurance" can reduce losses?

When booking air tickets, hotels or homestays through the network platform, the platform often sells "hotel cancellation insurance" together. Platform businessmen will declare that when buying this insurance, if consumers need to cancel the reservation later, they can make up for the losses.

However, many consumers vomited and bought "hotel cancellation insurance" in advance, but they did not actually play a role, and even encountered irresistible factors such as epidemic and typhoons. The hotel canceled the order for free. , But unable to refund the fee. In addition, some consumers have encountered the situation of "canceling insurance" bundling sales of platform merchants. What pits should consumers avoid when buying similar types of insurance?

After buying "cancel insurance", problems occur during claims

Not long ago, Ms. Qian (a pseudonym) booked two nights for two nights of hotels in Huangshan, Anhui on an app, and purchased a hotel without reason to cancel the insurance. However, due to the temporary cancellation of the flight of Huangshan The platform customer service claims that the hotel recovers a 20%handling fee.

It took 15 yuan to buy no reason to cancel the insurance, but could not enjoy the guarantee of full refund. After the complaint, Ms. Qian got a full refund of the hotel.

On the consumer service platform "Black Cat Complaint", Ms. Zhou of Nanning, Guangxi also reflects her similar experience.

On June 27, she booked two hotel orders on the two hotels from July 2-3, July 3-4, from the APP of the APP, but received all the reasons for typhoons on the morning of June 30th due to typhoon reasons. The hotel was suspended, and the hotel told them that they would cancel the order directly, and whether she bought the hotel to cancel the insurance would be refunded in full. After she canceled the order and received a refund, she found that the platform still charged her two orders to cancel the worry -free insurance premium, totaling 78 yuan.

△ Ms. Zhou's consumer complaint on "Black Cat Complaint"

Ms. Zhou believes that the cancellation of orders is not due to their personal reasons. The withdrawal is not resistant to the typhoon, and the platform customer service replies that as long as the order is canceled, the "cancellation of worry -free" insurance will take effect automatically.

The reporter immediately called a platform customer service phone. The customer service said that even if the hotel was purchased to cancel the insurance, the cancellation of orders could not be refunded in full. "It is 70%-90%. Once the insurance takes effect, the insurance premium will not be refunded. The force majeure factor causes you to travel. You can negotiate with us. We will help you negotiate with the hotel for free. If you do n’t work, you can take insurance. "

However, the reporter inquiring about the relevant products inquiries noticed that the use rules stipulated that the refunds caused by non -user reasons (such as natural disasters, hotels, etc.), and the equity will be refunded when the equity is not used.

Industry insiders: "Cancellation of insurance" is not to be canceled at will

The reporter inquired on multiple online consumption complaint platforms that there were many similar consumer complaints. For example, hotels agreed to cancel orders for free, and insurance companies did not retreat to "cancel insurance"; cancel the hotel reservation, and encounter claims "kicking balls".

Zhang Peng, a senior insurance industry, reminded consumers to pay attention to buying a cancellation, which does not mean that the order can be canceled at will. This kind of cancellation will not be sold separately, but is sold on the hotel booking page. Consumers are often easy to ignore the terms of the contract, and understand the "cancellation of insurance" as "cancellation of reservations at will", and they can refund in full without wanting to travel.

Zhang Peng also said that when encountering force majeure factors, insurance companies should refund unconditionally. "But can the definition of force majeure be the official proof? This is a problem." In addition, he pointed out that because of the high cost of complaints or lawsuits, consumers will only complain online even if they suffer losses.

Some people in the insurance industry have pointed out that similar risks such as hotels to cancel insurance, and the product design needs to be improved. It is important that the market is not mature. It not only refers to insurance companies in this regard and customers are not mature.

Lawyer: Consumers should see the insurance clause clearly

Attorney Zhang Changdan, a Beijing Dacheng Law Firm, reminds consumers that when purchasing and using such insurance products, pay attention to the details of related product contracts, communicate with customer service in time to save evidence.

Lawyer Zhang Changdan suggested that before consumers insured the hotel to cancel the insurance, it is recommended that at least two aspects. "First, to understand whether the reservation hotel supports no reason to cancel orders or withdraws and refund it in full. If the hotel itself supports it, there may not be much necessary insurement. Consumers should check the order content carefully before booking the hotel pays. Avoid the content of insurance contracts such as the default '. A series of claims restrictions and departure responsibilities. Some consumers may not travel due to objective conditions such as typhoons, earthquakes, and epidemic. The refund conditions and procedures in the insurance contract, contact the insurer to communicate in time when the agreed refund situation appears. "

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