Insurance broker - where he has a guarantee of quality?

The insurance market of Russia every year delights us with new names of insurance companies and new signs of so-called insurance brokers selling insurance policies of different insurance companies.

Insurance broker - what is it?

Insurance broker - an intermediary between the insurance company and the Client. Kind of like a motor show can sell several brands, as well as the insurance broker can sell policies of several insurance companies. Hard work pays his insurance company in the form of commission from every policy sold.

But if a lot of insurance companies, the insurance brokers even more. How to sort them out, and whether there is any benefit from the sale? For starters know what would be an insurance broker.

Insurance Brokers: The two main types of

An insurance broker is a financial institution, which must be licensed by its activities, ie for insurance. Such real insurance broker should develop and agree with the Treasury all the model contract, which he will sign and with insurance and with clients. His activity is strictly regulated.

Walking into a licensed insurance broker to insure your car, you can be sure that your money will reach the insurance company. And also, what kind of professional errors in the design of the policy will be someone to answer.

You'd be surprised, but throughout Russia slightly more than a hundred of these licensed brokers.

And who are these many thousands of small companies with a sign "Union super brokers" or "Insurance avtobroker" and so on.? Meet - for your insurance agent-jur. face. He is not licensed. He did not agree with someone or their contracts or their activities. He did not report to anyone. He is responsible and to customers, and to insurance companies only its registered capital (often, 10 000!).

Which is best to choose an insurance broker?

The answer is an unequivocal and definitive: licensed insurance broker. Refer to it, and you will receive expert help in choosing an insurance company. You can also be sure of the financial liability of the insurance broker before you, as the Client.

How to distinguish the real from the insurance broker firmochek-by-night?

A licensed insurance broker has two main differences: the right and license to insert into your company's name the phrase "insurance broker". The relevance of the insurance broker license is checked by visiting the website of the outstanding service: Federal Service of Insurance Supervision (FSIS). If your "insurance broker" is not on their list, then he is not a broker, and you have no guarantee of his good faith!

Be vigilant, expensive cars and homeowners! Do not trust your financial well-being untested and illegal entities!