Informal channels hide traps, and there are major risks behind low prices.

投保風(fēng)險(xiǎn)集中在：

Insurance risks are concentrated in the following:

一、渠道隱蔽多樣

1.Hidden and diverse channels

如短視頻廣告、陌生電話(huà)、路邊臨時(shí)代辦點(diǎn)等，多無(wú)經(jīng)營(yíng)資質(zhì)；

Such as short-video ads, unsolicited calls, roadside temporary agencies, etc. Most lack operational qualifications.

二、保費(fèi)被截留

2.Premiums are intercepted

中介收保費(fèi)后不及時(shí)投保，致車(chē)輛隱性脫保；

Intermediaries fail to arrange for insurance promptly after collecting premiums, leading to hidden lapses in vehicle insurance coverage.

三、渠道辦理假保單

3.Channels issue fake insurance policies

理賠時(shí)查不到承保信息，大小損失均需自擔(dān)。

No underwriting information can be found during claims processing, and both major and minor losses must be borne by the individual.

四、個(gè)人信息易被販賣(mài)

4.Personal information is vulnerable to being sold

引發(fā)退款詐騙、偽造理賠等二次侵害。

This may lead to secondary infringements such as refund fraud and forged claims.

以下為消費(fèi)者防范風(fēng)險(xiǎn)的有效建議：

The following are effective suggestions for consumers to prevent risks:

1. 認(rèn)準(zhǔn)正規(guī)渠道，通過(guò)保司投保，拒絕無(wú)資質(zhì)中介；

Use official channels, purchase insurance through insurance companies, and reject unqualified intermediaries.

2. 警惕超低價(jià)，報(bào)價(jià)比正規(guī)渠道低30%以上，可能是假保單或漏保關(guān)鍵險(xiǎn)種；

Be wary of ultra-low prices: if a quote is more than 30% lower than those from official channels, it may be a fake policy or lack key coverage.

3. 保護(hù)個(gè)人信息，僅向正規(guī)渠道提供必要個(gè)人信息。

Protect personal information and only provide necessary details to official channels.

4. 留存憑證維權(quán)：保存付款截圖、核對(duì)保單信息；遇騙立即報(bào)警。

Keep documents for rights protection: save payment screenshots, verify policy details, and call the police immediately if defrauded.