In the world of e-commerce involution, it is not difficult for careful people to find that there are many hidden "wool parties", specializing in small and medium-sized businesses.
The wool party of freight insurance is one of the typical representatives, they are happy to place crazy orders every day, and there is no reason to return them, grabbing hundreds of yuan of profits a day.
Express Observer" has recently received a lot of courier brothers who have reported that there are more and more operations to arbitrage freight insurance, which makes it impossible for major platforms to prevent itBrother's scalper orders from the headquarters had to be collected and increased.
It's easy to earn hundreds of dollars a day
Normally, for example, if a consumer places an order for a product on an e-commerce platform, it is not suitable for various reasons, and then applies for a return and refund, there are generally two options, one is to pick up the official door-to-door, and the other is to send it back by yourself.
Most ordinary consumers will use official door-to-door delivery, such as Pinduoduo designated SF Express, J&T and other express delivery; **Tmall designated rookie wrap; Douyin is picked up by SF Express, Jingdong Logistics, etc.
And the wool party will choose to return it on its ownThen initiate merchant shipping on a return shipping platform or scalper software, a single is about 3-5 yuan, and after the courier picks up the package, he will then upload the order number, and the e-commerce platform will automatically refund 8-10 yuan.
Express Observer found that after deducting the cost of his order, there is still 5-8 yuan left in hand, and the four major e-commerce platforms buy 5 pieces per platform every day, 40 pieces a dayAccording to this operation, you can earn around 200-400 yuan a day.
There is no essential difference between the freight insurance family and other wool parties, and some people even set up a special studio to operate, through batch registration or purchase of a large number of e-commerce accounts, the development of swiping software, and the study of major platform rules and loopholes. This kind of malicious arbitrage of freight insurance is undesirable and also has an adverse impact on e-commerce platforms and express delivery companies.
Industry insiders said that the threshold for freight insurance of insurance companies is not high, and it can be said that everyone can operate, among which being banned is the biggest riskTherefore, buying a large number of accounts is the biggest cost of this project. Once you take the risk, you will face severe punishment by the law.
According to the news from Beijing**, a man born in the 90s has falsely placed orders more than 4,800 times, and defrauded the payment of freight for 7More than 30,000 yuan. The man was recently sentenced to three years in prison, suspended for three years, and fined 20,000 yuan for insurance fraud.
Fake business volumes are not sustainable
Freight insurance was born to solve the problem of disputes over return freight. With the upgrade of e-commerce, many platforms require merchants to give away shipping insurance to buyers, so as to increase the order volume of stores. At the same time, it can also increase the premium income of insurance companies and increase the volume of express business, which seems to be a win-win operation for all three parties.
Soon, the freight insurance ushered in the spring. The volume of freight insurance is very largeAccording to the Insurance Association of China, as early as 2019, the cumulative number of freight insurance policies reached about 15 billion, more than 50% of the number of online non-auto insurance policies, and almost all insurance companies are involved in this business.
At the same time, the vulnerability of freight insurance has also been exposed, and some e-commerce platforms have taken measures to blacklist users who have returned goods maliciously for many times, and no longer give away freight insurance. However, there are also e-commerce platforms that are afraid of affecting the transaction volume, so they turn a blind eye and condone this behavior in disguise in the name of protecting the rights and interests of users.
The Express Observer has learned that for express delivery companies, it seems to increase business volume, but these false business volumes are not sustainable and will damage the reputation of the entire industry. There are also many little brothers who said,A large number of professional wool parties place orders through online scalpersThese orders from the headquarters had to be taken, and the profit of an order was very small, and he had to bear the cost of packaging.
For e-commerce sellers, they are also deeply affected, not only bearing the cost of purchasing freight insurance, but also losing the cost of delivery. An e-commerce practitioner said that the seller's packaging costs money, packaging requires labor, and many goods are easily damaged by friction on the way to become defective products.
At present, most freight insurance is charged at 5% of the compensation amount, such as the common premium such as 5 cent-1 yuan, and the corresponding insurance amount is 10-20 yuan.
For insurance companies, it is difficult to carefully review and judge each case one by one in view of the large sales volume, large number of claims and small single claim amount. In addition, most of the freight insurance is bound to the e-commerce platformMany platforms are reluctant to fully synchronize the information of the insured to the insurance companyIt is difficult to effectively combat insurance fraud.