All of us, sooner or later resort to the services of insurance companies: buy a policy of compulsory motor liability insurance, are going abroad for vacation, we want to take care of the preservation of a city apartment or suburban home.
Choose with the company on the territorial principle, as a dry cleaner or pharmacy is not recommended. But if you do decide to apply to the little-known insurer, it is not too lazy to put at least some information about who you are going to entrust their health or property and from whom they would like to receive adequate and full compensation for possible losses in the insurance case.
If the circle of your friends no people professionally involved in this area that could give you expert advice, all the burden of choice (with all its consequences) will fall on you. However, you can rely on the experience of friends who are already customers of insurance companies, and ask whether they are satisfied with the service, whether they had insurance claims, and how quickly they were paid indemnity. If the resolution passed without loss problems, and they received an adequate amount, it already serves as a good recommendation, and we can try to become better acquainted with the insurer.
The name of the well-known companies, which have all "by ear" in itself is a fairly strong argument that it does not evaporate in a year or two steps of your insurance contract. However, we can deal with small companies, only the first is to secure certain guarantees of reliability. Some information about insurance companies is available online for some - will have to go to the office of the insurer.
What we must try to find out about the company before you entrust to it the most expensive?
The important point is the term of the company in the market. Of course, it is better to choose an insurer for a long time - more than five years - providing its services to citizens. Long work testifies to the stability and sustainability of the company.
"Talking about shareholders, should be prepared for the fact that, for example, if an insurance company owned by management, it is quite likely the most unexpected turns in her biography - up to complete the sale. Safer, if a company has several large industrial ownership or financial structure of shoulders where it belongs. This greatly improves the performance of its guarantee of financial obligations, "- said Chief Financial Officer SG" Insurance Capital "Vladimir Soloviev.
Passage of rating procedures - already a big plus for the company, and if it is in the hundreds, or even better - one of the first fifty insurers, the chances of finding in you a new client for it has steadily increased.
See what kinds of insurance company actually spends and how much all their is licensed as actively engaged
in it is the kind of insurance that you need. Whether it is involved in joint promotions or programs with other companies: banks, car showrooms, construction companies and others. Whether the company is developing with the new insurance programs and services.
"Ask anyone from corporate clients ready to show off the company. If she trusted their insurance coverage-known companies and organizations of production, it is hoped that the modest and your interests will be considered by it," - recommends the CEO of SK "Komestra Center" Eugene Mayboroda . It is important that
the company was sufficiently focused on the retail business.
Of course, much can be said about the company financial performance, but an inexperienced person to understand them is almost impossible. Moreover, it is not always important only the absolute values of these figures, it is important to their relationship and interdependence, for example, the ratio of earned premiums and payments, and so on. "In order not to" drown "in the tables and unfamiliar terms, it is enough to make sure that the dynamics of the whole is positive and the company is developing quite actively," - says Chief Financial Officer SG "Mezhregiongarant" Andrey Fomin.
The authorized capital of the company must comply with specifications of Russian legislation. "According to the law on insurance business - says CEO" WITH Zenith "Alexander Kabanov, - from 1 July 2004 the authorized capital of the insurer must be at least 10 million rubles. For property insurance, 20 million rubles. - For life insurance. But just in case it is better not to contact insurers barely got to the "bottom bracket" and choose a reputable company with a capital of 200-300 million rubles. "
It is worth noting the extent to which the insurer is actively present in the region, whether its developed branch network. Participation of companies in state and local programs - is evidence of the manifestation of confidence in it by the authorities, as well as membership in the insurance pools, community and professional associations. The active charitable activities undertaken by the company, not only speaks of the social orientation of its business, but also serves as an indication that the company has sufficient cash.
By making a "virtual" option, be sure to visit the head office of the insurer, see how he resettled how attentive management to our clients whether a sufficient amount of information contained in the booklets and leaflets on the type of insurance you are interested. Having decided to purchase insurance, be sure to discuss with the manager of their problems, do not hesitate to ask questions and seek clarification on any of the insurance contract. Remember that once you put your signature and paid the insurance premium will be too late to change anything.
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