[Cai Zhi Headline] "Calling Ban" SF?The insured price is full, arrived at 24 hours!Jingdong Express will launch "full insurance"

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On September 20, Jingdong Express announced that it would launch a new insured service "full insurance", facing the personal express scene, and conducted full compensation within the insured area. Optimize consumer delivery experience.

The insured product will be launched on September 29. At that time, consumers can check when placing an order in Jingdong Express applets. Once the express can be lost, the 950616 customer service hotline can be dialed, which will be processed by the dedicated line customer service. If all the expressions are damaged, JD Express will make full compensation in accordance with the amount of insured; and under the condition of some damage in the expressway, JD Express will make claims based on the customer's wishes. In terms of time limit, Jingdong Express will also pay the account within 24 hours after consumers provide relevant product value certificates.

It is reported that this time JD Express for the new "full insurance" service launched by personal express delivery, mainly for consumers' insufficient claims in the process of expressing express delivery and the common pain points of the claims too long. Further enhance the customer's delivery experience.

Where is the courier claim?

On September 19, the "SF preserved 18,000 list only lost 500" appeared on Weibo hot search. According to media reports such as Volkswagen and Gongfu Video, Mr. Wang sent a hand -made of 17,000 yuan in SF. Damage caused the depreciation of the hand, and then required SF's new hand to pay in accordance with the insurance premium or paid non -destructive new hand -made hand -made.

Earlier, according to the Qianjiang Evening News, a consumer in Xiaoshan, Hangzhou sent 20 grams of gold through a courier company, and insured it for 8,000 yuan. The courier said that he lost the express delivery on the way to the toilet, and said that he had feedback to the company and would pay the parties. The next day, the customer service of the courier company proposed the compensation plan for "paying 2,000 yuan", but the parties insured the courier at 8,000 yuan, so they were dissatisfied with the plan.

This matter has attracted attention after the fermentation of public opinion. On September 13, the express company responded to the media that it had paid at 8,000 yuan, and said that under the investigation of police, the gold lost in the customer had been found.

The lost items were found, and the full amount of the insurance amount was paid, but the dispute was still there.

In addition, there have been media reports that "express companies are worth 11,000 yuan for mobile phones but are willing to pay 1,000 yuan", "lost medical appraisal, hospitalization certificate and other important documents such as only 300 yuan", "new and unpacking iPhone13 Pro Max handle Only pay 1,000 yuan. " Similar precious items express delivery of claims for claims is not uncommon.

Where is the courier compensation pay? According to public information, according to the law, the express may be lost or damaged.

But at the actual operation level, this is not easy to achieve. Some lawyers said that market supervision departments and consumer associations usually mediate this. "The mediation is not possible, and consumers can only choose to prosecute, so the cost of rights protection is relatively high."

Different receipts and insured standards are different

Express insurance premiums are actually the "insurance" of the delivery of the delivery, especially the sender believes that express delivery has special value.

However, the courier company cannot confirm whether the delivery of the delivery is "insured". To this end, most companies will clarify that some valuables cannot be collected. For example, SF official website shows that valuables (such as art, antiques, gems, and gold such as valuable metals) are in the list of non -delivery/conditional delivery items and marked the right to refuse or suspend the delivery. Items that cannot be delivered ".

For example, some customers want to send their own bracelets that claim to be ancestral biography, but such items lack a wide range of market recognition, and courier companies can propose to refuse to send them.

Another example is the Rabbit Express, which shows the documents such as refusal letters, ID cards, files, etc. in the "Electronic Transportation Contract Terms"; and Yunda and Yuantong will grant the right to the derivatives and whether they can be sent to them. For valuables that can be collected, the courier company provides premium services, and the amount of insured is usually five thousandths of the value of the product.

If the insured express is lost or damaged, there are also regulations.

According to the "Express Market Management Measures" released by the China Express Association in 2013, if the express delivery (email) is delayed, lost, damaged, and inconsistent with internal parts, the enterprise operating the express delivery business shall compensate for compensation in accordance with the agreement with the user.

Regarding the compensation matters, the above measures show that for the express delivery (email) of purchasing insured prices, if the insured amount shall be compensated, and the price shall be compensated in accordance with relevant laws.

According to the revised version of the "Postal Law" in 2015, if the premium fast part is lost or all damaged, the loss and damage of the unsuccessful price will be compensated according to the actual losses, but the maximum compensation amount does not exceed three times the fee charged.

But in practice, it depends on the "Express Service Agreement" formulated by different express companies.

At present, the "Express Service Agreement" of a number of mainstream express companies clearly stipulates the compensation method of insurance premium and express delivery. The compensation part is divided into full insurance prices compensation and unsuccessful insurance compensation. Time Weekly reporters learned from multiple express companies' customer service that most express companies exec were executed "if the express is lost, damaged, and short, and the amount of premiums that do not exceed the speed of the express can not exceed the actual value." Insured premiums. There are also express companies that clarify premiums for premium items: such as Zhongtong Express to charge up to 2 yuan for items under 2,000 yuan, 2000 yuan to 30,000 yuan, 3%-5%of premiums, that is, that is, that is, that is, that is, that is, that is to say The highest insurance price is 30,000 yuan.

Inspection clause companies self -determined whether it is fair and effective

Zhong Lanan, a senior partner of the Jingshi Law Firm, said that at present, express delivery companies are mainly in accordance with the relevant provisions of the "Postal Law of the People's Republic of China" and in accordance with a certain postage multiple, generally 3x fares to pay the corresponding compensation compensation Essence

He explained that the law was initially formulated and implemented, mainly suitable for Chinese state -owned postal companies. For the postal system many years ago, it is not uncommon for losing express delivery, and the value is relatively small. Express loss, especially valuable express delivery, is an uncommon small probability event. It is obviously not reasonable to limit the payment in accordance with the terms in the postal law. In the above incident, SF only paid 500 yuan or 2,000 yuan, far from making up for the parties' losses.

"It is worth noting that if valuables lose a small amount of cost, it may trigger the moral crisis of express employees, that is, they may use this system to" adhere to self -theft "." Zhong Lanan added. In the above -mentioned "new and unpacking iPhone13 Pro Max hand to pay only 1,000 yuan", after the parties lost their mobile phones, they found that the new unpacking mobile phone was turned on and activated. Therefore, she suspected that the insiders of SF had taken the phone.

Zhu Yongping, a lawyer of Datong Law Firm, said that according to Article 27 of the State Council's "Interim Regulations on Express Express", the expressway delay, loss, damage, or short internal parts should be The premium rules agreed to determine the liability for compensation. In Zhu Yongping's opinion, the preparation clause in the "Express Transportation Contracts" stipulates that it is still controversial.

According to the "Civil Code", the party that provides formats should follow the principles of fairness to determine the rights and obligations between the parties, and adopt a reasonable way to prompt the other party to pay attention to or reduce their responsibilities. "If the SF Express did not fulfill the prompt or explain the obligations when receiving the handle, the customer did not pay attention or understands the terms of premiums that have a major interest relationship, the customer can claim that the preparation clause does not become the content of the contract, and claims that according to the Civil Code of the Civil Code "Article 833's provisions re -determine the amount of compensation." Zhu Yongping added.

JD Express "Calling Ban" SF?

At the beginning of September, SF announced in 50 major cities across the country that "the dispatch is not coming to the door, promised to pay for payment"; Cainiao is also strengthening the service of delivery this year. Cainiao CEO Wan Lin also announced at the annual meeting in July, " "Delivery in various ways" has been listed as one of the most important things in rookie this year; Jingdong Logistics has always regarded "delivery" as the focus of service.

It is worth mentioning that on July 27, 2022, Jingdong Logistics announced that it had completed the acquisition of the right to acquire the equity of Dubang's controlling shareholding. After the relevant transaction is completed, Debon Holdings (including Debon Group) will become a subsidiary of JD Logistics. It is reported that the acquisition price is nearly 9 billion yuan, which has set the largest merger and acquisition amount so far in the express delivery industry.

The ambitions of JD Logistics can be seen from this.

Coincidentally, JD Express announced the "full" guarantee yesterday on the 20th. In the past few days, SF has repeatedly appeared on Weibo hot search because of the issue of insured payments.

Perhaps this war without smoke has begun.

(WeChat public account "Caizhi Headline" comprehensive from: Guangming.com, Jinan Times, Yangcheng Evening News, etc.)

Edit: Yuan Kai

School pair: Fenghua

Review: Gong Zimo

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