Informal channels hide traps, and there are major risks behind low prices.

投保风险集中在：

Insurance risks are concentrated in the following:

一、渠道隐蔽多样

1.Hidden and diverse channels

如短视频广告、陌生电话、路边临时代办点等，多无经营资质；

Such as short-video ads, unsolicited calls, roadside temporary agencies, etc. Most lack operational qualifications.

二、保费被截留

2.Premiums are intercepted

中介收保费后不及时投保，致车辆隐性脱保；

Intermediaries fail to arrange for insurance promptly after collecting premiums, leading to hidden lapses in vehicle insurance coverage.

三、渠道办理假保单

3.Channels issue fake insurance policies

理赔时查不到承保信息，大小损失均需自担。

No underwriting information can be found during claims processing, and both major and minor losses must be borne by the individual.

四、个人信息易被贩卖

4.Personal information is vulnerable to being sold

引发退款诈骗、伪造理赔等二次侵害。

This may lead to secondary infringements such as refund fraud and forged claims.

以下为消费者防范风险的有效建议：

The following are effective suggestions for consumers to prevent risks:

1. 认准正规渠道，通过保司投保，拒绝无资质中介；

Use official channels, purchase insurance through insurance companies, and reject unqualified intermediaries.

2. 警惕超低价，报价比正规渠道低30%以上，可能是假保单或漏保关键险种；

Be wary of ultra-low prices: if a quote is more than 30% lower than those from official channels, it may be a fake policy or lack key coverage.

3. 保护个人信息，仅向正规渠道提供必要个人信息。

Protect personal information and only provide necessary details to official channels.

4. 留存凭证维权：保存付款截图、核对保单信息；遇骗立即报警。

Keep documents for rights protection: save payment screenshots, verify policy details, and call the police immediately if defrauded.