Reporter, tanya
“the cold-door project has broken down: freight costs are more risky, and business start-ups are better than working” “to make more than $30,000 a month using freight costs, which is easy to earn.” in the recent past, some cold-door “businesses” hidden by time have again gained some heat under the “discovery” of some media publishers. In fact, such behaviour is not just about “starting up” but is more about breaking the law
These “freight risk start-ups” are what media publishers call “freight risk start-ups”, i. E., net purchases of goods with refund cost insurance (hereinafter referred to as “freight risk”) and then click on “seven days without reason” to obtain insurance company “reimbursement” for freight insurance, before choosing to return the goods to low freight courier companies to earn the difference。
Freight insurance is the insurance premium paid by the buyer or seller of the net purchase to the insurer, who is contractually liable for the one-way refund of freight in case of return. Freight costs, which were born more than 10 years ago, have now been extended to major electric power platforms. With the rapid growth of our electricity industry in the last decade, freight risk insurance has become an important insurance tool for consumers to “return free”。
But just like the sword of damocles, freight costs are being used by a few others, while rapidly developing. In 2015, the country's first case of internet insurance fraud was handed down in the wu xing district people's court of lake county, zhejiang province. The “professional swindler” who was sued for financial fraud by watarina was insured through false purchases and applied for compensation for freight costs, in the total amount of over $200,000 for insurance compensation, which was eventually sentenced to six years and six months' imprisonment and a fine for insurance fraud。
Immediately thereafter, in 2019, a man in hubei used a freight risk gap to cheat 2. 8 million yuan. According to the judgement of the first instance, the defendant was convicted of insurance fraud and sentenced to 12 years ' imprisonment and 120,000 yuan in rmk; one year's imprisonment for forgery of a financial ticket certificate and 20,000 yuan in rmk; six months ' imprisonment for obstruction of credit card management and 10,000 yuan in punishment; and 13 years ' imprisonment and 150,000 yuan in punishment. The appeal of the second trial judgement was dismissed and the man was eventually sentenced to 13 years ' imprisonment。
In april this year, the public security department of yanta county, yongzhou city, hunan province, received a call from an electrician platform alleging that freight charges had been fraudulently taken by way of fraudulent purchases. During the arrests of criminal gangs by the shinda county public security bureau, 14 computers and printers, more than 300 mobile phones, more than 400 mobile cards and more than 90 licences for registration of non-cargo network stores were seized. Since the second half of 2023, this group has worked together to collect more than $700,000 in freight risk through false online listings, the purchase of freight-risk commodities and the refusal to collect them。
In fact, freight insurance is not a “start-up” act, as media bloggers call it, but a suspected violation of the law. Many insurance companies' exemption clauses on freight insurance also make it clear that the claimant's provision of false logistics information, exchange of goods by the buyer or refusal to sign for the goods sent by the seller is not covered by the freight insurance。
Industry sources have also stated that the intentional falsification of the facts of the transaction, the creation of a false image of the return of the goods, the use of the difference between the amount of the refunded freight charge and the actual freight cost, and the fraudulent enrichment of the premiums are acts of the criminal offence of insurance fraud under article 198 of the criminal code of the people's republic of china, which are substantial or criminally liable. Such fraudulent use of freight insurance is not only suspected of being illegal, but also detrimental to the interests of merchants, insurance companies, electrical platforms and consumers at large, as well as undermining market order。
Therefore, a wide range of workers who are not aware of the facts are also invited not to be led by these media figures. Can the freight be “punishable” and not feasible。
