Most of the people coming to the issue of selecting an insurance company simply: where closer and where cheaper! This, of course, important factors that, but is only stop them? After all, as a rule, the best thing is, the more expensive it is. And not always the best store that is located around the corner.
Selecting "by price"
The insurance policy CTP walk through an example of classic insurance today. Insurance rates for insurance are governed by decree of the government of the Russian Federation, and the same for all insurance companies. That is, no matter what company you do not come, the price should remain unchanged. In practice, the price may vary. Why is this happening?
The answer may be several:
miscalculation, because we all make mistakes and employees of insurance companies - not the exception;
intentional distortion of the original data and calculations in the direction of decreasing prices (to entice the customer) and upward (to increase your income);
fraud when selling a piece of paper for half of the cost of real policy.
The conclusion can be made as follows: if you choose the company at a price that go around 3-5 companies and select one of those where the amount will be the same, but not where it is cheaper, you guarantee yourself that honesty and integrity of the insurer at the stage of signing the contract. And to give money to fraudsters or honest insurer's like to throw them to the wind, as the benefits of such a policy in an accident you will not, unless it can be shown, and the traffic cops - for the time being.
Insured on a "where is closer" is also fraught with complications, since you do not know where you came from, what kind of people and that of the company, so there is a good chance of running into the above figures of the insurance market.
The voluntary insurance pricing process another. There is no longer a single tariff set by the state, and there is a market where every company offers a price that is already possible, and should be compared. But here are not MirSovetov recommends the cost of insurance as the decisive criterion for the choice of the insurance company, as there are still a number of important points that are worth paying attention to, as regards both road and other types of insurance.
The first thing to take into account the amount of liability insurance company (ie the amount that will be available when the insured event). Secondly, the list of insurance risks (ie those cases, upon the occurrence of which it is possible to count on redress). Third, the presence and magnitude of the franchise (part of uncompensated damage insurer). Fourth, the timing and order of insurance cases (ie, how many and what it will need to provide documents for payment). Fifth, the presence of a network of representative offices in regions of the Russian Federation (so you do not have to contact the company for hundreds of kilometers from the place of your stay). Also an important factor is the level of service provided and additional services (see below). Only after weighing all these factors, comparing them with the cost, there are several insurance companies and choose the one most suitable in all respects.
For example, take the insurance of property pledged to the bank when applying for a loan (mortgage or buying a car on credit). In practice, the following occurs: a bank employee directs you to a particular insurance company where you are not really going into details, sign a contract on the proposed terms. And, as a rule, these conditions are far from ideal. If you take all the same price then it is likely to be excessive when compared with the market average, as you put into the rigid framework and do not give the right to choose.
What can you advise in this situation? Firstly, to demand full list of insurance companies with which the Bank cooperates. Second, to get acquainted with the proposals and conditions of the insurance companies and choose the best, respectively. Thirdly, the bargaining! This is a voluntary type of insurance and the price is set by agreement between the parties, and the insurer was originally voiced by far the lowest percentage that it can offer.
The choice is not "the price"
Insurance Setting aside the talk about price and look at the problem of choosing deeper, then there will be a few more significant factors that are worth paying attention to.
When choosing an insurance company recommends MirSovetov gather as much information about it:
date of formation (it is hardly opt for a very young company);
the assigned rating activities (reliability and stability);
types of insurance that the company does (a large number of types of insurance shows the balance of the insurance portfolio and a serious attitude to the company's ongoing activities);
financial performance (share capital, own funds, insurance reserves, the growth rate of collection of insurance premiums and insurance payments);
the number of branches in the country;
the company's participation in professional associations, unions, associations (spoke about the weight and authority among insurers);
position among all companies in Russia in the previous period.
Most of this information can be found in the annual reports issued by insurance companies, turning them into the office. There you can get acquainted with statistics and examples of payments. It would be nice to get information on the percentage and reasons for failure, but this information is unlikely someone will publish, operate so that the information that we have.
You also need to gather feedback on the insurance company in the media, among the company's customers, among your friends. All these factors are the foundation on which to build the company in the future and how this foundation will be stronger, the reliability and stability of your future will be.
Speaking of failures. In the insurance market in a situation where the reasons for the refusal to pay may be objective reasons and the desire to minimize the losses of the insurer. Let us examine them in detail.
The objective reasons for rejection can be:
Your event does not fall under one insured event or an exception from them;
You were not taken the necessary action (not declared to the relevant authorities (Traffic Police, Ministry of Interior, etc.) do not gather the necessary set of documents without notifying the insurer established by the contract terms);
You have made the elimination of damage to the examination and assessment of damage.
You can advise only one, carefully study the terms of the contract, to know their rights and duties!
Unfortunately, in practice there are situations when the insurance company to reduce their costs by finding small discrepancies or violations, refuse to pay or reduce the amount of payment, based on the fact that not everyone is going to defend its interests in court. In this situation, it may be advisable not to be afraid to go to court if you consider yourself to be right, because the decisions in most cases made in favor of the victim, and the treatment itself does not take much time, effort and money. Fight for your rights!
About insurance services
The level of service in the insurance in our country is poor level of service in the insurance (as well as in any other industry) in our country is poor. This is because, firstly, we are not far removed from the Soviet past, where the service itself was not; Second, insurance in the country is still very "young" and the initial stage of its development has been a major collection of insurance premiums, but not the level of service rendered; Third, the lack of fierce competition between insurers.
But today the situation is changing. Competition among insurance companies is growing, and to entice the customer a lower price is becoming unprofitable. Therefore, the company began to pay serious attention to customer service, and not only at the stage of conclusion of the contract, but also when applying for insurance payments.
Therefore, when choosing a company needs to pay attention to the level of service and other services that it is ready to give his client. And in each type of insurance there are nuances in the work of the people, its range of services, and therefore MirSovetov only a few examples will show what can be "a litmus test" a high level of service.
Example 1: When concluding the insurance contract you give not only the form of the policy and the contract with the annexes, but also pack them in the original folder, presented at the same calendars, pens, magnets, and things like that with the company logo, issue a certificate for a discount the next contract. This demonstrates the high level of service and commitment to the insurance company client.
Example 2 made with you a contract, the company gives you a map service for a number of services. This can be disabled information and control service, leaving the average commissioner to the place of the accident, the evacuation of the vehicle from the accident scene, assistance in obtaining documents from the traffic police for registration of an insured event, etc. It will also indicate a high level of service in the company.
Example 3. When applying for payment for hull insurer is willing to undertake the repair vehicle to a service station. This situation has a lot of advantages for both the insurance company (which reduces their costs, due to discounts for the "volume"), as well as for you. You are relieved of the headaches associated with the search for "good master"; repair is faster than the official service or "garage craftsmen" (where have to wait for several months); there is no situation where you and the insurer does not agree on the amount of compensation, that is, you do not need to pay extra money; repairs are higher quality than the "garage masters". This situation is also an indicator of the service provided by the company.
Choosing an insurance agent
When choosing an insurer, remember that employees (including agents) are facing west it is the norm, where the family has their own personal lawyer, a psychologist, a doctor and an insurance consultant. It respected people who trust their innermost and private. Our situation is different. For the majority of the agent - a man who goes from door to door and offers to give him your money. As a rule, it is so because most agents - people who are just trying to make money, not to become a professional in the business.
But it goes. There are agents who are interested not to "hit the jackpot", and to build long-term, trusting relationship with the customer. Such agents will be for you an insurance consultant, ready to provide all the information you need, to come to you at a convenient time for you. If your life will be such an agent, you are very lucky, because in this case the insurance you will know everything and be able to choose the most interesting products for you!
When choosing an insurer, remember that employees (including agents) are of her face. And if your "face" do not like, think about whether this company deserves your attention.
Fundamentals of conclusion of the contract
Carefully read the terms and conditions of the insurance contract A few more tips on registration of insurance:
check the license of the insurer for this type of insurance;
Please read the rules and conditions of the insurance contract;
check proxy representative of the insurer the right to sign for this type of insurance;
be sure to get your hands on a complete set of documents: the policy, a contract with the applications (if any), the rules receipt.
Remember, when choosing an insurance company, you choose your future, how it will be, it depends on your choice!
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