In recent years, the ranks of new employment groups such as online ride-hailing drivers, truck drivers, takeaway riders, and couriers have continued to grow, and they have been targeted by individual criminals. Criminals set traps around financial service scenarios such as insurance purchase, claim settlement, car rental and car purchase, resulting in losses for some newly employed groups. The Beijing Financial Supervision Bureau issued a risk warning today (10th), reminding the majority of new employment groups to be more vigilant, avoid three types of "traps", and actively safeguard their legitimate rights and interests.
Trap 1: Bundling insurance purchases with employment and false promises of rebates. Unscrupulous intermediaries and labor agencies use the gimmick of dispatching orders with high wages and receiving orders steadily as a gimmick, forcing new employment groups to purchase accident insurance and liability insurance before starting work, and falsely promise that premiums will be returned upon expiration and that insurance purchases will increase their income exclusively. Individual criminals provide "false insurance policies" to new employment groups without actually insuring them.
Trap 2: Claims are handled at high prices, and there are legal risks associated with fictitious materials. Some illegal institutions use "full claim settlement" and "quick claim settlement" as bait to induce new employment groups to entrust them with claim settlement business and charge high commissions to new employment groups. Some unscrupulous institutions fabricate accidents, exaggerate injuries, and forge certification materials to falsely report the amount for claims settlement. Once verified, the policy holder will also bear legal responsibility.
Trap 3: Providing automobile financial services in violation of regulations, hiding the risk of "routine loans". In response to the needs of online car-hailing and truck drivers for renting and purchasing cars, they use "zero down payment" and low-interest car buying and leasing as promotional selling points to induce new employment groups to take high loans to purchase cars. Subsequently, they use "deposits" and "unfreeze funds" as excuses for charging fees and bundling and selling insurance products, seriously exacerbating the financial burden of new employment groups.
The Beijing Financial Supervision Bureau reminded that once new employment groups fall into the "trap", they will face multiple risks.
First, it causes direct economic losses. Mandatory insurance, product tying and high "service fee" clauses will directly cause unnecessary financial losses to the new employment groups, and recovery will be difficult. Fake insurance policies cannot provide risk protection and cannot provide compensation in the event of an accident.
The second is touching the legal red line and facing the risk of being held accountable or punished. Fabricating claims information is illegal and illegal. Even if the new employment group passively participates, they may be identified as persons involved in the case. They may face industry punishment and insurance company accountability. In serious cases, they will be suspected of criminal offenses and bear legal responsibility.
The third is to breed hidden dangers of debt and damage personal credit. If a "routine loan" defaults, the borrower will also need to bear the relevant interest costs. Long-term overdue payment will have an adverse impact on personal credit, affect daily life, and even face litigation risks.
The Beijing Financial Supervision Bureau reminds the new employment groups:
The first is to identify formal channels and standardize the insurance application process. Newly employed groups can purchase insurance according to their actual needs, and purchase accident insurance, liability insurance, etc. through the official channels and compliance platforms of formal insurance companies. Before purchasing insurance, carefully check the policy information, coverage and disclaimer clauses, proactively verify the authenticity of the policy and retain the certificate. Pay premiums through formal channels, refuse private transfers, and do not provide identity documents, facial recognition information, etc. to others to avoid being misappropriated by criminals.
The second is to strictly abide by the legal bottom line and resolutely resist "fraudulent insurance". Consciously resist false claims such as fictitious accidents, exaggerated losses, forged bills, etc. After encountering an accident, determine the loss and settle the claim through official and formal channels, and submit the information truthfully to avoid becoming a "tool" for committing crimes in the financial industry.
The third is to handle financial business prudently and stay away from the trap of "routine loans". When handling car rental, car purchase, installment and other services, carefully read the contract terms and focus on cost details such as interest, service fees, liquidated damages, and bundled insurance. Stay away from "credit repair" and "agency rights protection" to protect the safety of personal funds.
