Whalesbook
Commission Ka Chakkar Aur Buyers Ka Nuksan
Asal mein, India mein motor insurance bechne wale agents aur brokers ka 80% tak ka income pehle saal ke commission se aata hai. Is wajah se, woh customer ki zaroorat se zyada apne faayde par dhyan dete hain. Private car insurance par commission 15% se lekar 20% ya usse bhi zyada ho sakta hai, especially agar koi bundled product becha ja raha ho. Iska matlab hai ki agents wohi policies bechne ki koshish karte hain jin par unka commission sabse zyada ho, bhale hi woh policy buyer ke liye bilkul sahi na ho.
Mis-selling Ke Tareeke Jo Chhupaye Jate Hain
Is mis-selling mein kya kya hota hai? Kabhi comprehensive insurance ke naam par sirf third-party cover becha jata hai, kabhi policy mein aisi chizein hidden rakhi jati hain jin par claim nahi milta (jaise engine damage), ya phir extra cheezein jodkar premium badha diya jata hai. Insured Declared Value (IDV) ko bhi kam kar diya jata hai taaki policy sasti lage, lekin jab gaadi total loss hoti hai to claim kam milta hai. Isi wajah se complaints badh rahi hain. FY25 mein "unfair business practices" yani ki aisi galat tareekon ki complaints 14% badh kar 26,667 ho gayi hain. IRDAI bhi ise badi pareshani maan raha hai.
Har Jagah Se Ho Rahi Hai Gadbad
Yeh problem sirf ek channel tak seemit nahi hai. Car dealerships insurance ko package deal mein istemal karte hain ya phir apne partners se insurance kharidne ko bolte hain. Online comparison sites bhi kabhi kabhi add-ons pehle se select karke rakhti hain. Agents aur brokers ka bada network toh hai hi, par direct insurer marketing aur OEMs ka dealers par influence bhi is problem ko aur badhata hai.
IRDAI Ki Koshishein Aur Future
Ab IRDAI is problem ko theek karne ki koshish kar raha hai. Naye "Sabka Bima Sabki Raksha Bill, 2025" ke through regulator ko commissions par limit lagane aur unke payment ka tarika decide karne ke naye powers mile hain. Goal yeh hai ki conflicts of interest kam ho aur log zyada clear tareeke se insurance kharidein. Halanki, motor insurance complaints ka share thoda kam hua hai (24.8% FY24-25 mein), par "unfair business practices" ki complaints ka badhna dikhata hai ki change mein time lagega.
Agar sirf commission par focus raha to long-term customer satisfaction piche reh jayega, aur policies jaldi cancel hone ka risk badh jayega. Isse industry ki reputation bhi kharab hoti hai. Aage chal kar market $59 billion tak ja sakta hai 2034 tak, lekin yeh tabhi hoga jab regulations commissions aur customer needs ke beech balance bana payenge. Deferred commissions jaise ideas par bhi soch-vichaar chal raha hai.