From the seller's side no staff is involved. There are no operating expenses as well as no chances to screw things up.
Selling goods insured is retailers’ 100,001st method to take away
customers’ money more or less honestly (© Ilf and Petrov), and thus raise their meagre
margin.
123.ru is no exception.
They decided to sell policies from Alfa Insurance.
The policy price is calculated automatically.
When booking an order, the customer may add insurance to each item in the cart:
As the order is booked on the 123.ru website, Ultimate e-Trade contacts the
Alfa Insurance server and generates policies for the selected items.
In the sales manager’s interface, the insured goods are in a separate tab (the Reserve
document).
After the customer pays for the order (using any payment method), Ultimate contacts
the insurer’s server again to confirm the previously created policies and complete their
execution.
After receiving confirmation from the insurer’s server, Ultimate e-Trade sends the
customer a link for downloading the prepared documents.
Should the customer renounce either the goods item or insurance before paying, the
insurance policy generated will be cancelled automatically.
Important: on the seller’s side all happens without human interference.
The
operational expenses are zero – like the chances of doing something wrong.