廣東地(di)區機(ji)動(dong)車(che)輛(liang)保(bao)(bao)險(xian)(xian)電子保(bao)(bao)單(dan)(簡稱“車(che)險(xian)(xian)電子保(bao)(bao)單(dan)”)正式上線(xian),廣大(da)車(che)險(xian)(xian)消費者將(jiang)可直接通過在線(xian)形式便利(li)完成車(che)險(xian)(xian)投保(bao)(bao)、保(bao)(bao)單(dan)查閱、網上理賠(pei)(pei)等(deng)(deng)車(che)險(xian)(xian)服務全流程(cheng),廣東車(che)險(xian)(xian)投保(bao)(bao)、承保(bao)(bao)、理賠(pei)(pei)等(deng)(deng)正式進入全面電子化時代。
所(suo)謂車(che)(che)險(xian)(xian)(xian)電子(zi)保(bao)單,是指由(you)保(bao)險(xian)(xian)(xian)公司向車(che)(che)險(xian)(xian)(xian)消費者簽發的(de)(de)以數(shu)據電文形式(shi)存在的(de)(de)證(zheng)明車(che)(che)險(xian)(xian)(xian)合同關系的(de)(de)電子(zi)文件(jian)。通過將傳統(tong)紙質保(bao)險(xian)(xian)(xian)合同以具備同等法律效(xiao)力的(de)(de)數(shu)據電文形式(shi)予以體現(xian),實(shi)現(xian)便捷、高效(xiao)、加密防(fang)偽防(fang)篡改、低碳環保(bao)等多重核(he)心優勢。目前涉及的(de)(de)電子(zi)單證(zheng)包括車(che)(che)險(xian)(xian)(xian)電子(zi)投(tou)保(bao)單、電子(zi)保(bao)單、車(che)(che)險(xian)(xian)(xian)電子(zi)批單和電子(zi)交強險(xian)(xian)(xian)標志。
對投保人來說,完(wan)成(cheng)(cheng)投保后可隨時、隨地完(wan)成(cheng)(cheng)保單信息的查(cha)詢及下載,同時電子(zi)保單還(huan)具備(bei)交互應(ying)用的能力,實現保險行業和交警執法服務等多(duo)場景的全覆蓋,更加便民(min)。
實行電子(zi)(zi)保(bao)(bao)(bao)(bao)單后,廣(guang)東(dong)地區車(che)主投保(bao)(bao)(bao)(bao)可不再面對厚厚的一疊(die)紙質保(bao)(bao)(bao)(bao)險(xian)(xian)合同(tong),可以輕松通過(guo)(guo)遠(yuan)程(cheng)在線完成(cheng)投保(bao)(bao)(bao)(bao),一部智能手機就全部搞定。同(tong)時,車(che)主可通過(guo)(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司官網查詢、下載電子(zi)(zi)保(bao)(bao)(bao)(bao)單、電子(zi)(zi)標志及保(bao)(bao)(bao)(bao)單第三方(fang)驗真(zhen),不必再往返保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)司辦理保(bao)(bao)(bao)(bao)險(xian)(xian)業務。
保(bao)(bao)險(xian)(xian)公司向(xiang)投保(bao)(bao)人(ren)、被保(bao)(bao)險(xian)(xian)人(ren)發送的電(dian)子(zi)郵件信(xin)息經過加(jia)密(mi)與電(dian)子(zi)簽名認證后進行(xing)打包加(jia)密(mi)壓縮,具(ju)有防篡改技術及加(jia)密(mi)功能,因此,電(dian)子(zi)保(bao)(bao)單數據無法(fa)篡改,具(ju)有較高安全可靠性。對于生成的相關文(wen)件,可通(tong)過“廣東交警”和“廣東保(bao)(bao)險(xian)(xian)”微信(xin)公眾號等正規(gui)渠道進行(xing)查詢驗真。
機動車(che)駕駛人一旦出險(xian),辦理(li)(li)理(li)(li)賠(pei)手續時將不必出示紙質(zhi)保險(xian)單證,保險(xian)公司即可直接查(cha)詢保險(xian)合(he)同(tong)進行理(li)(li)賠(pei),理(li)(li)賠(pei)流程更(geng)加(jia)便利(li),實(shi)現了“數(shu)據多跑路,群(qun)眾少跑腿”的服務體(ti)驗,提(ti)高了理(li)(li)賠(pei)效率,為客戶(hu)提(ti)供(gong)便利(li)。
車(che)險(xian)(xian)(xian)電(dian)子保(bao)單(dan)正(zheng)(zheng)式推行后(hou),在(zai)(zai)廣(guang)東投(tou)保(bao)的機(ji)動車(che)在(zai)(zai)廣(guang)東轄區內道(dao)路行駛(shi)(shi)時(shi),公安機(ji)關交(jiao)(jiao)(jiao)(jiao)(jiao)通管理(li)部(bu)門在(zai)(zai)路面執(zhi)勤(qin)執(zhi)法(fa)、處理(li)交(jiao)(jiao)(jiao)(jiao)(jiao)通事故(gu)等(deng)情況下,交(jiao)(jiao)(jiao)(jiao)(jiao)警可自動進行交(jiao)(jiao)(jiao)(jiao)(jiao)強險(xian)(xian)(xian)數(shu)據(ju)的查驗(yan)。如(ru)投(tou)保(bao)狀(zhuang)態正(zheng)(zheng)常,駕駛(shi)(shi)者可享(xiang)受多(duo)方便利。比如(ru)憑借已經查驗(yan)的交(jiao)(jiao)(jiao)(jiao)(jiao)強險(xian)(xian)(xian)電(dian)子保(bao)單(dan)信(xin)息(xi),不(bu)得以未攜帶、放置保(bao)險(xian)(xian)(xian)標志(zhi)為由扣(kou)留車(che)輛和(he)處罰;在(zai)(zai)廣(guang)東轄區內辦理(li)機(ji)動車(che)注冊登記和(he)申請機(ji)動車(che)檢驗(yan)合格標志(zhi)時(shi),車(che)主(zhu)憑交(jiao)(jiao)(jiao)(jiao)(jiao)強險(xian)(xian)(xian)電(dian)子保(bao)單(dan)信(xin)息(xi)即可辦理(li),不(bu)再要求車(che)主(zhu)提交(jiao)(jiao)(jiao)(jiao)(jiao)和(he)查驗(yan)收存(cun)交(jiao)(jiao)(jiao)(jiao)(jiao)強險(xian)(xian)(xian)紙質憑證。
據了解(jie),此次(ci)推行(xing)車(che)(che)險(xian)電子(zi)保(bao)單(dan)由(you)廣(guang)東(dong)地區41家產險(xian)公司共(gong)同參(can)與實施,目前涵蓋范圍包括廣(guang)東(dong)地區投保(bao)交強險(xian)及(ji)商業(ye)險(xian)的客車(che)(che)、轎車(che)(che)、貨車(che)(che)、特(te)種車(che)(che)等機動車(che)(che)輛;摩托車(che)(che)、拖拉機、單(dan)程(cheng)提車(che)(che)險(xian)及(ji)跨境(jing)港澳車(che)(che)電子(zi)保(bao)單(dan)暫(zan)緩實行(xing)。
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