The telephone sector is particularly singled out. Mediation pleads in particular for better training for salespeople.
Many insurance contracts include “fuzzy” exclusion clauses whose invalidity has been recognized by the courts, said the insurance mediator on Monday, who announced also criticized the “forced sale” of contracts in the field of telephony.
“Lack of maintenance”, “negligence”, a house that was not built according to “the rules of the art”, are all fuzzy concepts condemned by the courts but which persist. “The Insurance Code requires (exclusion clauses) that they be on the one hand in very apparent characters, on the other hand ‘formal and limited’, that is to say precise “, explains Arnaud Chneiweiss, the insurance mediator in his annual report.
Saying “shocked” that the profession does not draw the consequences of court decisions rendered, sometimes for more than 20 years by the Court of Cassation, he recalls that an exclusion clause should not Be subject to interpretation. Otherwise, he explains to AFP, “it’s too easy for the insurer”. This call to order comes after more than a year of legal battle between insurers and the self-employed over pandemic risk coverage. To try to settle the disputes, the French insurer Axa has also put on the table 300 million euros, without fully convincing many restaurateurs.
Of the 17,350 referrals received in 2020, Arnaud Chneiweiss also deplores the “still disproportionate” part represented by affinity insurance, that is to say, the subscription of which is optional and supplemented. mentary to the sale of a good or a service, in relation to their market share. “Ã ?? Regarding ‘nomadic products’, and in particular mobile phones, we regularly deal with cases where insured parties dispute having wished to subscribe to an insurance contract, at the point of sale , in addition to the purchase of a good or a service, ”explains the mediator.
Referring to situations that can be likened to “the forced sale”, or even to the “scam”, the mediator testifies of consumers discovering the flow more than fourteen days after subscription, corresponding to the withdrawal period set by the Consumer Code. In some cases, the seller lied by claiming that the retraction was possible after the first month, which happened to be offered. “Behavior should change because it is not possible that insurers are not aware of this type of behavior”, criticized Arnaud Cheniweiss during a press conference. In addition to better training for salespeople, the mediation pleads for an extension of the withdrawal period to one month.
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the 08/30/2021 at 12:19 PM
Telephone salespeople are very well trained … This very often results in forced sales. Lived experience.
the 08/30/2021 at 11:59
Insurers like bankers are the biggest thieves using all forms of scams, which they always sell to you as legal and compulsory means, robbing you of everything and unfortunately no longer doing their mischief. third party while continually seeking to re-invent ways to relieve yourself of what you have … how to trust someone who talks to you about managing your money and gets you to sign internet supply, concert ticket, mobile subscription, insurance in all its forms … etc
the 08/30/2021 at 11:51