No

You still need to return the goods after applying for the real insurance. In order to improve the shopping experience of consumers and protect the legitimate rights and interests of consumers, the Douyin e-commerce platform has launched the "real insurance" service. If the creator opens the "real insurance" service, and the creator's negligence or mistake in falsely advertising the material, brand, quantity, variety/origin of the goods causes damage to the rights and interests of consumers, the creator must compensate the consumer for the loss.