Chapter 204: Commercial insurance for used cars can be refunded

Fang Yuan has primary maintenance skills for second-hand cars, and he can understand most of what Song Guoyuan said, but as long as it involves car maintenance and modification, he is a little confused.

For example, Fang Yuan, combined with the primary sales skills of second-hand cars, understood that after the three-way catalytic converter of the car was blocked, it would cause faults such as poor engine exhaust, weak acceleration, dullness, and sharp increase in fuel consumption, but he didn't know how to repair it.

"Fang Yuan, I'm telling you this, not to let you go to the pit customers in the future, but to be more careful not to be deceived. Song Guoyuan told Fang Yuan that doing business should be done in good faith, and it is true that you can make quick money with a hammer deal, but it is almost impossible to develop and grow.

"Yes, you're right. Fang Yuan said that everyone's business goals are different, and he doesn't care what others do, he will definitely keep in mind Master's teachings, and he will not just look at the immediate benefits.

Fang Yuan was able to put his advice in his heart, Song Guoyuan was very happy, at this time, Sun Yanming suddenly turned his face and said to everyone: "Everyone be quiet, I will say something." ”

Finding Sun Yanming's serious appearance, the noisy private room instantly quieted down, and everyone's eyes focused on Sun Yanming, silently waiting for him to arrange.

"Number one, starting today, don't tell anyone about the sales in the store, remember, I'm talking about anyone. ”

Liu Liang and others knew that this month was related to whether Sun Yanming could be successfully promoted to regional manager, although no one spoke, they nodded their heads and said that they would not talk nonsense.

"Second, in order to retain customers and increase performance, starting tomorrow, you can recommend second-hand car installment loans, loan interest and your commission will first go according to the previous standards, but you still have to remember that we are different from 4S stores, and try to focus on the full amount. ”

The loan interest and commission standards are formulated by the head office of Zhenghong Group, and Sun Yanming has no power to change it, but Liu Liang and others are very excited, because this is a profit growth point that everyone ignored before, as long as they grasp the scale, it will definitely help their wages.

"Third, it is the matter of cooperation with insurance companies, I will ask acquaintances later, to see if our car dealers have the right to introduce insurance companies by themselves, and there are specific cooperation methods, and then we will talk about what to do next when we understand everything. ”

Sun Yanming had no way to improve his performance before, he was purely a broken jar and had no passion for anything.

Now that there is Fang Yuan, the performance has increased significantly, Sun Yanming is resolute, and he is ready to talk to an acquaintance at the group headquarters about this matter later.

It's another way to make money, and the salesmen of Zhenghong Car Dealership are happy to look at me, and I look at you, and they can't wait to do a big job.

"Don't be happy. Sun Yanming thought deeply, and poured a basin of cold water on Liu Liang and others, "I don't know if the group headquarters agrees to agree with us to introduce insurance companies, whether this matter can be done is not certain, besides, some second-hand cars originally came with the insurance has not expired, even if it is negotiated with the insurance company, when you sell the car, not how much insurance can be sold for each car." ”

Sun Yanming took out his mobile phone and called an acquaintance at the group headquarters to inquire about the situation, and Liu Liang and the others were secretly happy, because they didn't take the preventive injection from the store manager to heart.

As a second-hand car salesman, Liu Liang and others know that auto insurance is divided into compulsory insurance and commercial insurance, and that there must be compulsory insurance when the second-hand car is transferred.

However, this is not necessarily the case with commercial insurance.

Many car owners only pay attention to the value retention rate of their cars when selling their cars, but forget that the commercial insurance they buy is equally important, especially those luxury cars that have full insurance.

Commercial insurance is deducted according to the number of days, and it is impossible to sell the car when the insurance has just expired, and there will be more or less some days left, if you don't pay attention, the car dealer who collects the car will take a big advantage.

Because commercial insurance can be refunded according to the remaining days, the original owner is equivalent to making a sum of money, or it can also be given to the other party and sold to the other party, in short, commercial insurance can be negotiated.

Of course, the surrender procedure must be completed before the transfer of ownership, and after the car purchase and sale is completed, the original owner can no longer apply to the insurance company for surrender.

The original owner doesn't understand, the car dealers understand, fooling the original owner to transfer the commercial insurance to his own name, either immediately return, which is equivalent to making a small profit, or slightly increase the price on the basis of the car model, and sell the commercial insurance to the buyer.

Zhenghong car behavior to reduce the price and avoid disputes, usually to return the commercial insurance.

Therefore, all the salesmen of Zhenghong Auto Dealership often talk about 'customers take out insurance on their own', which means that customers who come to buy cars need to buy commercial insurance by themselves.

Liu Liang and others believe that under normal circumstances, there is little hope of making money on compulsory traffic insurance, and they can focus on commercial insurance, which is a convenient thing anyway, which is equivalent to pie in the sky and extra money out of thin air.

Seeing the treacherous smile on the faces of Liu Liang and the others, Fang Yuan chuckled in his heart and warned them: "Don't mess around, don't fool around." ”

"Don't worry, we won't mess around. Liu Liang and the others assured Fang Yuan with a smile that they would definitely stab Lou Zi for the two leaders.

"You can't stab Lou Zi if you want to. Sun Yanming, who had just hung up the phone, sighed heavily, his face full of disappointment.

"What's going on?" everyone looked at Sun Yanming curiously.

Sun Yanming explained: "My acquaintance at the group headquarters said that there is no precedent for the introduction of insurance companies in our group, and he is not sure, but he gave me a brief introduction to the situation of insurance companies in 4S stores. ”

Sun Yanming smiled bitterly, he listened to the simplicity of his friend's introduction, and told everyone present that the 4S store is divided into direct compensation, insurance company's loss assessment cooperation or loss assessment center.

Auto insurance is a property insurance, and 4S stores generally need to recruit full-time insurance specialists, and the sales consultants of 4S stores can also earn commissions by selling insurance.

"The 4S store sells insurance is not as easy as we imagined, it is not just a simple sale of insurance, there are a lot of troubles. Sun Yanming's enthusiasm at this time was not as high as just now, because he heard that in the 4S shop, the insurance specialist must know how to repair auto, and at least reach the level of proficiency, small scratches can be handled, and major accidents can be solved.

If there is a direct claim right, the requirements for the insurance commissioner are higher, otherwise the loss assessment will be less and the compensation will not be paid, and the insurance company will not be able to pass the high price, and the insurance company will directly reject the case if the procedure is wrong.

......

Do you still need to understand auto repair?

Liu Liang and the others, you look at me, I look at you, they are all dumbfounded, after all, they don't know auto repair at all, let alone have rich experience.

Fang Yuan's car dealer system has auto maintenance skills, but he didn't plan to say it, firstly, because the timing was wrong, and secondly, he was focused on getting ahead, rather than learning how to be an insurance specialist in auto repair.

"I don't know much about auto repair. Sun Yanming smiled bitterly, it seems that the introduction of insurance companies into car dealers is completely yellow, "Let's concentrate on installment loans, this does not need to increase operating costs, and I don't need to find anyone to approve and sign." ”

Fang Yuan's two suggestions were determined one, and everyone quickly eased up after being a little lost, after all, they wouldn't lose anything if they couldn't do insurance.