More than a third of the 46 insurers controlled by the DGCCRF do not comply with regulations regarding telephone canvassing. Here’s how to spot and report abuse.
Consumption Signal, you know? This platform from the General Directorate for Competition, Consumption and Fraud Repression (DGCCRF) allows consumers to report their bad experiences with suppliers of goods and services.
It is on the basis of reports of this type that the DGCCRF decided to control 46 establishments (independent brokers, wholesale brokers or insurers) distributing insurance contracts (additional health or protection, legal protection, etc.).
An unfortunately fruitful exercise: the control plan revealed anomalies in 14 of these professionals, or more than a third of them. Sanctions were taken: 6 criminal and administrative reports, as well as 4 injunctions and several warnings.
Contracts signed without consent
The most serious failings concern thelack of collection of consumer consent. Several actors did not hesitate to use fraudulent maneuvers. Using the possibility of electronic signature by entering a code sent by SMS, certain professionals were communicated under a false pretext, the code sent to the consumer to enter directly in the contract validation interface, details the DGGCRF on its website. More seriously, an online bank concluded insurance contracts automatically, for example when subscribing to another contract such as consumer credit, without the consumer’s consent having been requested at any time (. ..).
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The other sprains concern misleading commercial speechesincomplete call recordings, non-compliance with the Bloctel system of opposition to canvassing or even the failure to provide pre-contractual information: all practices contrary, in particular, to the provisions of the brokerage reform law, came into force in April 2022.
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