Methods of payment for CASCO

What are the insurance benefits under hull, and what - is preferable

Ways of insurance payments on CASCO not so much. They are all, in fact, two:

Payment on hull damage calculation on cash;

Payment against Hull in the form of repairs in the workshop.

With each method of insurance payments under hull is divided in turn into two types:

CASCO insurance payments based on the calculation of damage are:

1.1.S into account depreciation of car parts;

1.2.Bez excluding depreciation vehicle parts.

Insurance payments for Hull in the form of repair of insured vehicles in the workshop are:

2.1.Na STOA optional Insured.

2.2.Na STOA insurance company.

Let's look at each option under hull insurance payments a little more detail.

CASCO insurance benefit - cost estimate of damage

Calculation of damages in Hull is the expert opinion of automotive appraiser's number and nature of damage to the machine and the cost of repair. If the car is fairly fresh (usually up to 7 years), the calculation of damages for it is calculated without taking into account wear and tear on the details, ie in the cost of repair the machine turned on full price of new elements to replace the damaged ones. If the car has a considerable age, it is usually possible to insure only with the form of insurance payments on the hull in the form of damages calculation taking into account the wear and tear of parts and machine components. This means that when a judge will consider the cost of repair, instead of the full cost of those items that need to be replaced, it will take about 25% -75% of it, depending on the age and wear of the vehicle.

Insurance payments for Hull in the form of repair at the service station

This type of insurance claim can be made as to the service station at the request of the Client, and only those service stations with which this insurance company has a contract and that provide significant discounts to repair insured cars.

If the insured vehicle is practically new and still under warranty, the repair will it be a authorized dealer service station, or at the client's choice, either in the direction of the insurance company if your city of dealerships for this car brand a few.

Insurance payments for Hull - can choose when and how to take

As a general rule, the method of insurance payments on CASCO negotiated at the beginning, at the signing and issuing CASCO policy. Some insurance companies provide a range of ways indemnity, some not. In addition, there are several large insurers, which allow their customers to choose a way to obtain insurance benefits under hull is not in the contract CASCO, and upon the occurrence of the insured event and the application for payment under it.

When choosing a method of compensation for motor hull insurance, consider the following:

Insurance payments for Hull in the form of repairs on any workshop at the Client's are always more expensive. That is, when buying a policy with a way to Hull insurance premiums you paid for it about 20-30%.

Insurance payments for Hull in the form of repair in the direction of the Insurer will cost less, but you will become a kind of hostage to the relationship between the insurance company and this service. After all, so many examples of conflict situations, when the insurance company is bad and not paying the bills on time service centers (rightly or not - is another question) and then the car service in retaliation for not giving refurbished hull cars to their owners-to-maturity debt on their accounts for this repair. Also, quite often the quality of repairs in the service station, the selected insurance company, leaves much to be desired, because the insurer is interested in minimizing their costs and savings on auto repair almost always affects the quality of the repair.

Insurance payments for Hull in the form preferred in the calculation of damage if you are sure of your insurance company and in terms of its benefits. After breakaway layer in the form of service centers that can repair a time machine "in debt" you will not. In addition, there is a danger that avtoekspert concerned insurance company will face underestimates the real figures for motor hull damage. But it can be appealed calculation of damage insurer, giving its calculation of the independent certified auto appraiser. But having received the money for the calculation of damages in Hull, you will be able to repair their own cars while on an official dealer, even with their hands in the garage.

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Property insurance. Residential Real Estate. The insurance contract.

In the previous parts of this great article we told you about the insurance risks and insurance facilities for suburban real estate. And this tells you about the bureaucratic side of the property insurance, what documents you need for property insurance contract. The main principle for a contract of insurance suburban real estate is the presence of an ownership interest of the Insured in respect of conservation of the property insurance. And documentary evidence of such interest of the Insured is the following:

Documents of title to land on which the facility is built insurance.

This may be evidence of the state. registration of ownership or lease of the land. This can be a gardener's book, affirming the right of possession and use of this site.

Legal documentation for the object of insurance. It could also be a certificate of state registration of ownership of the house. It should be noted that this paper is required for presentation, usually at the conclusion of the contract of insurance on large and expensive house. For small cottages enough to attach to a copy of the contract of insurance books gardenerThere are situations when the policyholder has not yet become the full owner of the object of insurance, but it was against his own pecuniary interest. For example, inherited. And he wants to enter into a contract of insurance of this legacy. Then the title documents are documents concerning the parentage of the process (copy of the will, court decisions, etc.).

You may ask why this is necessary and if you can not do without it? Answer - this is a mandatory procedure, and in the provision of these documents should be concerned about is you. The insurance contract can be concluded without presenting any documents on the subject of insurance. But if an insured event occurs, and you will not be able to confirm their interest in the preservation of the object of insurance - guarantees a refusal to pay compensation.

As an example Nevesely that guide insurance companies in such situations, we present the following scenario. The policyholder has concluded an insurance contract on a wooden cottage on the farm. However, legalize the rights to this insurance, he did not have time. The neighbor, who fought for this land, setting fire to his house. The cabin burned down. The insurance company refused to pay, because the owner of the burned property could not provide any paper on the ownership of the right nor the lodge, nor the land.

So, we wish you well-insure his suburban property, and did not experience all the procedures for registration of the insured event!

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Insurance broker - pick what you need or what you need him?

We have found that not all organizations that call themselves "insurance broker", in fact those are. We also learned the benefits of a licensed insurance broker to the unlicensed. Now let's talk about what the person for us as a customer can be dangerous unlicensed, ie illegal, the insurance broker. And also, why insure your car or apartment safer directly to the insurance company.

Insurance broker: "Where the money?"

The most common disaster that can befall an illegal insurance broker, is the question of money. Namely, the insurance money Clients too often do not reach the ticket office of the insurance company. And unlicensed insurance broker is responsible only for its share capital (as a rule, no more than 10,000 rubles). Moreover, assigning the client's money, the insurance broker does not leave for permanent residence in London - not the scale - and quietly change the sign and opens a new insurance office.

You may ask, what happens to the clients whose money did not reach the insurance company? Them that - you need to re-insure your car? No, of course not. By law, if you are holding a policy with a stamp and a receipt of his payment, you - the full client of the insurance company. Well, almost a full. In any case, to refuse payment on the insurance case you do not have rights. Though, to be honest, to pay for such a policy will have to be overcome. However, if you need to cancel this insurance (sold your car, for example), then the remainder of the premium you can not see.

Insurance broker: "Yes normal insurance - giving tooth!"

For example, suppose your insurance broker is illegal, but not criminal. And your money for insurance neat passes to the insurance company. But there is another serious risk.

You are targeting a broker opinion, choosing which insurance company to insure their property and cars. And insurance broker focused on the amount of interest on your insurance, which is his only source of income. And so, what the insurance company will give more interest to the policy, and that is in his eyes - the best.

That is, one phrase: insurance broker, first of all, take care of their financial interests and not be liable to you real responsibility for their advice and recommendations.

Insurance broker: "insure sophisticated risk - legkotnya!"

Another snag for the insurance broker may be a need to insure complex risks. Mortgage insurance, voluntary medical insurance, financial risks Sharers - leading insurance broker to a screeching halt. There is a lack of competent staff - cute girl trained to prescribe only CTP. There is a lack of information and documentation from the insurance companies - Customer forced to wait weeks for a "matching" and "necessary forms."

Question: why do this to you? When you come to the office of the insurance company and then insure all desired exactly half an hour of his time.

Insurance broker: Is the same absolute evil?

Licensed Insurance Broker - certainly has some benefit customers. For example, you need to enter in the CTP of the new driver, and go to the office of the insurance company laziness. You can contact your local insurance broker, and they can help you.

However, if you need to insure anything serious CTP, we urge you to contact the professionals responsible for their words and deeds - the insurance company.

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Who needs to read the rules of insurance? (part 2)

Oral presentation and interpretation of the text of the Rules of the insurance agent insurance has no legal force. You will not be able to make even then a recorded voice to the claim, if you have to fight with the insurance company for payment. All the same, the priority will be for the Insurance Regulations as per legal document signed by both parties to the contract. The insurance agent should provide answers to customers' questions as accurate and unambiguous wording - and that the wording of the same Rules of insurance. That is, Ideally, in an absurd insurance agent will read us the same security rules, literally and items.

An insurance agent is interested in us as a Customer - ie the source of their income. So, we have no assurance that its interpretation of the Insurance Regulations will be impartial and will not fall out of it essential for us moments later. That is, there are no guarantees that the insurance agent is objective and is responsible for the mistake in explaining the essence of the Rules of insurance.

Question. What, then, us-Insured Clients do? Who can be trusted?

Well, first of all, can you believe my eyes and ears, and still spend time and attention to the awareness of the contents of the Rules of insurance. Some of us are more receptive to information on hearing, and for such clients, many insurance companies have set rules on insurance phonorecords.

Secondly, you need to charge shtudirovanie and interpretation of the Rules of insurance - disinterested professional - independent legal service that the contract for the provision of services to the Client shall be liable for legal advice and give a written opinion on the content of Insurance Regulations (including provisions in their disadvantageous for client).Of course, the assistance of a lawyer is worth the money. But it's much less money than the premium paid in vain under the policy, whether or not the indemnity due to our lack of knowledge of the requirements of the Rules of insurance.

In the West, it is generally normal - to give the Insurance Rules for legal review before signing insurance contracts. Let's hope that Russia will learn and apply carefully to their resources and prevent possible loss of money!

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Who needs to read the rules of insurance?

Insurance Rules - waste paper or an important legal document?

When we come to insure we get 'tied' to the insurance policy hefty stack of paper with the text entitled "Insurance Regulations." Do not rush to send this pack in your stove in the country, as insurance regulations - a full legal document and a full part of the contract of insurance.

Insurance rules say that is an insured event, and that - no, make that the Customer upon the occurrence of insured events, what are the rights and responsibilities of what, and for what is in the insurance company. Insurance rules each insurance company has its own for each type of insurance, and they are not just composed by the Insurer, and yet, without fail, tested and approved in the Insurance Supervision Act (a special supervisory Insurance Department under the Ministry of Finance). So for the insurance company and the Client Insurance Regulations - a key and a binding legal document.

But how to understand them, do not miss, especially, with regard to our future well-being? How not to miss the "pitfalls" in the text, which can serve as a reason for denying insurance payment?

Of course, ideally, you need to take insurance insurance terms and sit at their shtudirovanie. But it will require a lot of time, attention and, most importantly, expertise! Not all have such resources. So you need someone's help.

First of all we will call for help, of course, our insurance agent. Of course, the insurance agent - a professional and has all the insurance terms, moreover, it is as interested in us as a client, and should provide us with the maximum service. However, there are a number of "NO".

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The changes entered into force in auto insurance

From February 5 to take effect changes in motor liability insurance and motor vehicle owners to third parties.

About them at the press conference told the lawyer, a partner at the law firm «EXANTE» Julia Szeged and Head of Corporate Security Insurance Company "Garant-Auto" Constantine lonely.

Julia Szeged said: "From February 5 to take effect and there are further changes to the law on compulsory insurance of civil liability of owners and drivers of motor vehicles. These changes are not only motorists and insurers, but for all citizens who are just walking around the streets or in public transport move as passengers, and, unfortunately, sometimes get into an accident. And these changes are just the most important to the people who have been injured in an accident.

The most important thing - setting minimum required rate of insurance payments to victims. Moreover, the policy of so-called "Motor" introduced the concept of minimum mandatory compensation for moral damages to the victims. Prior to this moral hazard insurance companies do not reimburse.

But it is important to understand that all of these mandatory minimum payments apply only to contracts concluded on February 5 and later.

The minimum required rate of insurance payments are as follows:

1. The treatment of victims of road accidents - 1/30 of the minimum wage in the day, but not more than 120 days of treatment, which now stands at 4,407.60 hryvnia.

2. Upon receipt of disability group I - 36 times the minimum wage or 39672 hryvnia.

3. Upon receipt of the disability group II - 18 times the minimum wage or 19836 hryvnia.

4. Upon receipt of the disability group III - 12 times the minimum wage or 13224 hryvnia.

5. In case of road accident victims become disabled child - 18 times the minimum wage or 19836 hryvnia.

6. In case of death of the victim in the accident - 36 times the minimum wage or more and 39672 hryvnia hryvnia 13224 compensation to the relatives for burial of the deceased in the accident.

Not all of the costs of hospital care can be documented. But now legally set minimum payments that are guaranteed to get the injured person.

If an accident without the affected people, the drivers, in accordance with a 2011 changes can make yourself an accident. If there are victims, traffic police called mandatory.

If the amount of damage to the victim or his car exceeds the minimum amount of insurance payments, the insurance company is financially responsible under specified in the policy of the sum insured, and all that is not enough for full compensation, the aggrieved party may recover from the guilty party to court if documents confirming the amount of damage.

Compensation for moral damage, according to the innovations are paid by the insurance company without fail at a rate of 5% of the fixed amount of damage to property. If the accident has died, his family paid 13,224 hryvnia moral damages. "

Constantine Lonely added: "The package of documents for the insurance payment includes: a statement of the insured event, a copy of driver's license, passport, taxpayer code, a copy of the court decision, which clearly defined fault of our client, or lack thereof, and details of the victim, if the guilt in court proof of where you want to make an insurance payment.

Insurance payment must be made within 15 days after the establishment of the final amount of material damage. But it is important to understand that a significant acceleration of the timing of payment will not occur. Court of accident usually occurs in Dnepropetrovsk, a month after the actual accident. Determining the amount of the damage caused by our client can only start after the SC copy of the court, not before. That is, ideally, the payment can be made within 31 to 45 days after the fact of the accident.

In real life, as experience shows, because the client usually does not immediately bring any documents or his car and the car of the injured party is in another city, or the client does not immediately figure out where to transfer the money to the victim or the victim starts to challenge the amount of the insurance payments for property damage, that is to say, all this may take up to 90 days from the date of determining the amount of the insurance payment.

Also, it is important for drivers to understand that since February 5, insurers need to 5 times to increase payments to the Fund to guarantee insurance payments, and the cost insurers increase significantly. This means that the rate of liability insurance also will rise. I think that at least a third. "

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Gocompare.com - British financial company of auto insurance.

LONDON, UNITED KINGDOM - (Marketwire - March 1, 2013) - Go Compare held on to his lead in the Google Advertising listings for car insurance, although the share of Google's search engine visibility for car insurance in Paid Media, an increase compared to the previous quarter, and rival comparison sites, it is also increased their share of voice, features the latest research from leading independent digital marketing agency, Greenlight.

Agency Insurance Sector - Issue 16 ', reveals the most popular search terms consumers used when they searched online for home insurance, travel and cars in January. League tables outline the most visible sites in natural search and paid media for insurance in general and sub-sectors.According to Greenlight, there were a total of 1.1 million searches for insurance-related products down to 1.8 million in October.

Searches related to car insurance were the most popular and accounted for 64% (754,151) of all insurance-related searches.

"Car Insurance" search was asked 368,000 times, accounting for 31% of all searches.

Competition in the space insurance car hots as the battle of the comparison sites to be the most prominent, on-lineGreenlight car insurance league table ranking the twenty most prominent advertisers in Paid Media, the leading shows the comparison sites aggressively fought to grow their share of the vote in January. Were victims too.

Google, which launched its car insurance comparison service just five months ago, was the fourth most visible advertiser, achieving 89% share of voice more than 75% in the previous quarter, when he was sitting in eighth place.

However, the search giant was not alone in this regard. Insurance aggregator Go Compare, which reportedly could be up for grabs and could potentially be snapped up by one of the other competitors, including Google, held on to his lead in the pay media, achieving 95% share of visibility, compared to 93% in October.

Moneysupermarket, which in the previous quarter is included in eleventh place, increased its share in the voice of Paid Media dramatically - from 58% to 91%. This put him firmly in second place, behind Go Compare.

Compare the market followed in third place, its share in increasing the visibility of from 81% in October to 90% in January.These moves come at the expense of a number of leading players such as insurance for wheels Sheila. In October, it was the second most visible car insurance advertiser in Paid Media, achieving 91% share of visibility. In January, however, it dropped eighteen places.

Some might suggest that the entry into Google, the car insurance comparison in the UK was one of the reasons for this flurry of activity. However, the EU gender ruling which came into force at the end of December 2012, may, in particular, have played a role. It required providers to make changes in the price of car insurance policy and the introduction of gender-neutral rate.

As consumers will now probably be less inclined to automatic renewal and instead go for online search for the best deals, distribution - comparison sites in particular, is very likely to be vying for visibility. Being seen in different directions, the Internet is critical to winning their clicks. Gocompare.com provides a comparison service for car, home and pet insurance and breakdown cover. It also provides services to compare travel insurance, gas and electricity, broadband, loans, credit cards, mortgages and other financial products through preferred providers such as Energylinx and Experian.

August 14, 2012, the company launched the "Covered MAG", an online magazine that claims to be "unlike any other financial publication you will ever read."

In September 2007, the company recognized that, in one case, the illegal violation of privacy took place in connection with the adoption on the data provided to customers. He said it was the result of a breach of contract subcontractor performance Direct, and said that he would immediately take steps to prevent it in the future.

The company won the 'to watch' category of the rapidly growing Business Awards 2008, the judges complemented the management team for the "extremely well executed business with a clear USP and a strong brand. In September 2009 she reached the Investors in People award. The company's founder, Hayley Parsons, was the winner of the "Women in Business" award at the South Wales Chamber of Commerce Business Awards 2009. She also won the Western Mail, "Woman in the Welsh Innovation Award" in 2008, and the category "Business Leader" in Wales Inspire 2010.The Awards awards, which are organized by the Institute of Welsh.

Affairs, to recognize the role played by Welsh residents in promoting active citizenship and to promote their communities at the local, regional, national and global scale. In January 2012, Parsons was awarded the OBE for services to the economy

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Green Card and Hungarians

Green Card and Hungarians

From 1 January 2013 the three insurance companies refused to sell insurance policies green card. This Universal, Unica, Just-insurance. Motor - vehicle insurance bureau sent out a newsletter border guards that would not travel abroad motorists insurance policies concluded with these companies from 01.01.2013. Policies made before 31.12.2012 valid until and including the date of termination. At the Hungarian border, problems began our drivers. Hungarians look at the policy, see the action date - January 2013 - and do not miss the car. Actions are illegal border guards. They should show the third page of a green card in white, where the lower left corner of a field - the date of payment of the insurance premium, ie date of the policy.

I wish you all well to get to your destination! All great holidays!

p.s. I recall a green card policy consists of three pages. Two green - the copy, and one white - the original. Insurance coverage and the date of the policy specified in the original. On the green letterhead shows the date of the policy, auto, data of the insured. In the event of an accident culprit copy of the policy gives the victim a green card (if you plead guilty in the crash). The original is always the customer. I recommend before going abroad to stock up on regular photocopy of the green card. Since on the form - a copy of the green the contact details of all the countries of motor Bureau - if you have questions or disputes better these phones carry.

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Black list of insurance companies

To date blacklist troubled insurance companies from the Russian Association of Motor Insurers (RSA) has already 68 companies. Below is a list of companies that are having problems with reporting, are in the process of liquidation, receivership or have recently been eliminated.

1. "Insurance Company" Avesta "(Order number FSIS 95 of 26.05.2005.)

2. Ltd. "West Siberian Transport Insurance Company" (Order number FSIS 95 of 26.05.2005.) Ltd. "West Siberian Transport Insurance Company" (Order number FSIS 95 of 26.05.2005.)

3. CJSC "Stock Insurance Company" Trust "(Order number 129 of FISA 07.07.2005g.)

4. Ltd. "Euro-Asian insurance company" (FSIS Order number 148 of 08.08.2005.)

5. JSC "Insurance Company of the Commonwealth of Independent States" (FSIS Order number 159 of 02.09.2005.)

6. "Insurance Company" Our Hope "(Order number 417 of FISA 02.12.2005g.)

7. "Insurance Company" bork "(former name -" Insurance Company "universal policy") (FSIS Order number 444 of 09.12.2005.)

8. CJSC "Insurance Company" Fidelity-Reserve "(Order number 482 of FISA 23.12.2005.)

9. JSC "Rosmedstrakh" (Order number 457 of FISA 28.04.2006.)

10. "Insurance Company" IC "Nature" (Order number 661 of FISA 16.06.2006.)

11. "Insurance Company" Unicum "(former name -" Insurance Company "Genstrahovanie") (Order number 62 of FSIS 26.01.2007.)

12. LLC IC "Pyramid" (Order number 1022 as FSIS 24.11.2006g.)

13. Of "General Insurance Company" (FSIS Order number 88 from 02.02.2007g.)

14. ZAO "Inter-Regional Insurance Agreement" (Order number 582 of FISA 08.06.2007g.)

15. Of "stock insurance company" InvestStroy-Agro "(Order number FSIS 1291 of 21.12.2007.)

16. Ltd. "People's Insurance Company" Recon "(Order number 88 of FSIS 14.03.2008.)

17. "Insurance Company" Veterinarian "(FSIS Order number 90 dated 14.03.2008.)

18. Ltd. "Zenith Insurance Company" (Order number FSIS 96 from 20.03.2008.)

19. "Industrial-Alliance Insurance" (FSIS Order number 320 of 01.08.2008.)

20. "North-West Insurance Company" (FSIS Order number 459 of 10.10.2008.)

21. Insurance company "Uralkoop-Policy" (FSIS Order number 551 of 21.11.2008.)

22. Of "joint-stock insurance company" LEADER "(Order number 629 of FISA 19.12.2008g.)

23. Ltd. "General Insurance Alliance" (Order number 33 of FSIS 30.01.2009.)

24. Ltd. "SO" ACOS Guarantee "(Order number 35 dated FSIS 30.01.2009.)

25. "Insurance Company" GENERAL RESERVE "(Order number 93 of FSIS 20.02.2009g.)

26. Ltd. "Russobalt" (Order number 114 of FISA 05.03.2009.)

27. JSC "Russian Insurance Company (" FISA Order number 164 of 16.04.2009g.)

28. JSC "Insurance Company" GRANITE "(FSIS Order number 167 of 16.04.2009g.)

29. JSC "Insurance company" Aconitum "(FSIS Order number 168 of 16.04.2009g.)

30. "Insurance Group" Crown "(Order number 169 of FISA 16.04.2009g.)

31. CJSC "CAO" Metropolis "(Order number 217 of FISA 30.04.2009.)

32. "Insurance Company" URALROS "(FSIS Order number 275 of 28.05.2009.)

33. CJSC "KONDA" (FSIS Order number 307 of 10.06.2009.)

34. OOO "Insurance Company" SUPPORT - Garant "(FSIS Order number 362 from 07.07.2009g.)

35. "Insurance digging" FINIST - MK "(FSIS Order number 363 from 07.07.2009g.)

36. JSC "Russian Joint-Stock Insurance Company" PACO "(FSIS Order number 468 of 03.09.2009g.)

37. JSC "SO" LC-City "(Order number 523 of FISA 02.10.2009g.)

38. JSC "IC" REDD "(Order number 525 of FISA 02.10.2009g.)

39. Ltd. "GORSTROY" (Order number 670 of FISA 17.12.2009.)

40. Ltd. "EMPIRE insurance" (Order number 72 of FSIS 17.02.2010g.)

41. CJSC "Roux" (Order number 103 of FISA 04.03.2010g).

42. "SK" Arbat "(Order number 102 of FISA 04.03.2010g.)

43. OJSC IC "Russian world" (Order number 200 of FISA 16.04.2010g.)

44. Insurance company "SCM" (Order number FSIS 222 of 29.04.2010.)

45. OJSC "IC" Ural AIL "(Order number 306 of FISA 10.06.2010g.)

46. OJSC IC "The Queen" (FSIS Order number 337 of 24.06.2010.)

47. CJSC IC "Asolo" (Order number 399 of FISA 23.07.2010g.)

48. LLC IC "National Quality" (FSIS Order number 426 of 05.08.2010g.)

49. CJSC "Continental" (Order number 425 of FISA 05.08.2010g.)

50. Ltd. SF "West Akhras' (FSIS Order number 524 of 30.09.2010.)

51. CJSC "TPSO" (Order number 543 of FISA 14.10.2010.)

52. OJSC "IC" Transgarant "(Order number 544 of FISA 14.10.2010.)

53. CJSC "JASO-M" (Order number 601 of FISA 12.11.2010.)

54. Ltd. "SO Sportstrahovanie" (FSIS Order number 663 of 10.12.2010g.)

55. LLC IC "ROSINVEST" (Order number 664 of FISA 10.12.2010g.)

56. LLC IC "North Policy" (Order number 665 of FISA 10.12.2010g.)

57. "SK" INNOGARANT "(FFMS 11-1239/pz-i number of 24.05.2011g.)

58. OJSC "IC" GARMED "(FFMS Order number 11-1839/pz-i from 21.07.2011)

59. JSC "ESCO" (FFMS Order number 11-1839/pz-i from 21.07.2011)

60. JSC "Rosstrakh" (FFMS number 11-2361/pz-i from 16.09.2011 g)

61. OJSC IC "Rostra" (FFMS number 11-3507/pz-i from 22.12.2011 g)

62. "SK KG" (FFMS number 12-554/pz-i from 06.03.2012)

63. JSC "IC" NIKA Plus "(FFMS number 12-897/pz-i from 05.04.2012 g)

64. CJSC IC "PCT" (FFMS number 12-898/pz-i from 05.04.2012.)

65. CJSC "FOSS RT" (FFMS Order number 12-1032/pz-i from 17.04.2012.)

According to the union, the companies were on the list, do their work more in bad faith, and some of them did not make payments. The reason - the lack of available funds.

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Auto insurance news: Rating Insurers

For any owner of a transport issue of trust of the insurance company is one of the key.Today, invented the weight of various ratings, screaming about the merits of insurers. To make sense of this information in accordance reality should be analyzed in detail the process.

So, what is the rating of the insurance company and the justified are they?

Under rating (respectively terminology) is understood an objective assessment of the company, which reflects the financial aspect of the activity, organizational structure, some other factors to determine the degree of compliance of current market conditions.

But these are the factors that, in principle, are not interested in ordinary driver who came to draw up a contract. It is interesting to other data, such as customer service or quality and quantity of compensation arrangements for insurance risks. And these figures, unfortunately and fortunately insurers themselves, remain in the shadows.At present, when the company presents the most relevant in the media and is a popular rating agency "Expert RA". If we believe their data, the most reliable companies today are considered: Rosgosstrah, Uralsib, Alfa Insurance, Rosno, BTA, Ingosstrakh, Renaissance, SOGAZ, RESO-Guarantee, the insurance group "Capital".

All of the undisputed leaders of the Russian insurance market. According to the same agency, the most lucrative in the number of collected revenue from automobile liability insurance are considered Rosgosstrakh, RESO-Guarantee, Ingosstrakh, Alfa Insurance, Rosno. This indicates that the drivers are pulled back, and then can not in vain?

And yet, a dangerous signal when choosing a company is the absence of the rating, as happened, for example, "Russian insurance company," when it went bankrupt (ranked in such cases is taken).But in general, it's a personal thing, but to insure yourself, without any company, and stock up on some information before going to the insurer will be superfluous.

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The biggest insurance company in the world

In the crisis time insurance of acquires the a special significance. Both natural and legal persons want stability and security. That they are looking at insurance companies. On the other hand, the economic crisis means one comes a growing number of insurance claims and insurance companies have to compensate the many losses. Let's see how big insurance companies have been able to successfully overcome the crisis, proving their stability.

1) The absolute leader in terms of capitalization ($ 172 billion) was an American company American International Group (AIG). In real estate it is the second most popular companies in the U.S. life insurance - the first. The majority of of Americans give preference to namely American International Group (AIG). Considerable amount of capitalization, as well as assistance from the U.S. government helped to keep AIG afloat.

2) In the second place ranking is a French insurance company AXA Group ($ 66 billion). She specializes in financial insurance. At AXA Group even more customers than AIG. Unlike AIG AXA Group company survived the crisis without government assistance, and made it even more successful - the company recorded almost a billion dollars of net profit.

3) The third place is occupied by the German company Allianz Worldwide ($ 65,5 billion). The activity of the company is mainly in Europe. The company survived the crisis without major upheavals - there was not a super-profits or big losses. The reason is that the company engaged in a wide variety of insurance. Diversification into crisis helped perfectly.

4) At this place is the Canadian company Manulife ($ 50 billion), which, oddly enough, works mostly in the Asian market. Manulife million customers can not brag, but the Asian market was little affected by the crisis, but because it is easy to Manulife through.

5) The Fifth place behind the company Generali Group ($ 45 billion) out of of Italy. The company is engaged in insurance in 60 countries. It nourishes the insurable interest Generali Group and Russia: in 2007, the company owning shares of "Ingosstrakh". Other companies have settled down in the ranking as follows.

6) Prudential Financial, United States ($ 40 billion);

7) MetLife, United States ($ 38 billion);

8) Aviva, the UK ($ 33 ​​billion);

9) Munich Re Group, Germany ($ 31 billion);

10) Aegon, The Netherlands ($ 26 bln).

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