Is the auto insurance outsourcing company legal?

According to the regulations of the China Insurance Regulatory Commission, it is legal for a company with a direct telephone insurance license to carry out telephone insurance business. It is necessary to know that telephone auto insurance is supported by insurance companies and is one of the more reliable insurance methods. The CIRC allows the price of telephone auto insurance to be lower than that of traditional channels 15%. However, at present, China's telemarketing industry is also facing uneven quality of personnel and misleading consumption. Therefore, to buy auto insurance through telemarketing, you need to pay attention to whether telemarketing is formal. The business entity of telephone auto insurance can only be an insurance company. It is an exclusive product directly sold by insurance companies. Telephone auto insurance requires centralized operation and unified management.

People's Republic of China (PRC) insurance law

Article 111 The personnel engaged in insurance sales of an insurance company shall be of good conduct and possess the professional abilities required for insurance sales. The code of conduct and management measures for insurance sales personnel shall be formulated by the the State Council Insurance Regulatory Authority.

Article 116 An insurance company and its staff shall not commit the following acts in insurance business activities: (1) Deceiving the applicant, the insured or the beneficiary; (2) Concealing important information related to the insurance contract from the applicant; (3) Obstructing the applicant from fulfilling the obligation of truthful disclosure as stipulated in this Law, or inducing him not to fulfill the obligation of truthful disclosure as stipulated in this Law; (four) to give or promise to give the insured, the insured and the beneficiary insurance premiums or other benefits other than those stipulated in the insurance contract; (5) Refusing to perform the obligation of compensation or payment of insurance benefits as stipulated in the insurance contract according to law; (6) Deliberately fabricating an insurance accident or a fictitious insurance contract that has never happened, or deliberately exaggerating the loss of an insurance accident that has happened, making false claims, defrauding insurance money or seeking other illegitimate interests; (seven) misappropriation, interception and occupation of insurance premiums; (8) Entrusting an institution without legal qualifications to engage in insurance sales activities; (9) Seeking illegitimate interests for other institutions or individuals by conducting insurance business; (ten) the use of insurance agents, insurance brokers, insurance assessment agencies to engage in fictitious insurance intermediary business, fabricated surrender and other illegal activities; (eleven) fabricating and spreading false facts to damage the business reputation of competitors, or disrupting the order of the insurance market by other unfair competition methods; (12) disclosing the business secrets of the applicant and the insured that are known in business activities; (thirteen) other acts in violation of laws, administrative regulations and the provisions of the the State Council insurance regulatory agency.