IC "RESO-Garantia": offices in Moscow. RESO-Garantia: addresses

RESO-Garantia JSC is one of the system-forming organizations of the domestic market. The company was established in 1991. The license for providing more than 100 types of insurance services is provided by SK RESO-GARANTIA. The central office in Moscow is located at: Nagorny Avenue, 6. In total, the company has more than 800 branches and points of sale, as well as more than 20 thousand agents.

Owners

The capital of the organization totals 31 million shares with a nominal value of 100 rubles. More than 50% belongs to S. Sarkisov, another 5% belongs to A. Saveliev. In 2007, 10% of the securities were sold to the EBRD. At the same time, the company entered into a reinsurance contract with the French AXA group and sold 36.7% of the shares. The general director is Dmitry Rakovschik.

About company

Sales offices of RESO-Garantia (Moscow) provide a wide range of services to individuals and corporate clients. The most popular destinations are auto insurance (DGO, CASCO and OSAGO), VMI, property insurance, including mortgage, and travel insurance. Life and health protection services are provided by the daughter company of the same name. The organization's services are used by more than 10 million customers. The addresses of the offices of RESO-Garantia in Moscow will be discussed in detail below.

The reliability and high quality of the organization's service is evidenced by the maximum A ++ rating that companies have been assigned by domestic analysts since 2009. In 2016 the company received a quality certificate according to the requirements of GOST ISO 9001-2015. He certifies that the management system used by the company in insurance meets the requirements of the same GOST, and business processes comply with international standards.

The services

The insurance company has more than 100 licenses for complex programs. Individuals can apply for:

• Tourist visa;
• TCD;
• "Green card";
• Cancellation insurance;
• OSAGO, CASCO;
• LCA, OMS;
• Mortgage insurance;
• Insurance for accidents.

As part of the service program, the company provides quality and qualified medical care in the event of harm to the life and health of the insured person. As additional options, it should be noted insurance in case of loss of baggage (40 cu for each kilogram of lost baggage), documents, legal aid. The organization of transport assistance is provided by Europ Assistance.

Within the framework of the Green Card program, the client receives protection of the property interests of the owner of the vehicle in the event of an accident with his participation in the territory of another state.

When registering a civil liability insurance, the client receives protection in case of harm to third parties. Reason for payment of compensation - unintended actions or inaction, confirmed by a court or authorized body.

The company compensates for losses due to delays in air, railway or water flight for which the client has booked a ticket for 4 or more hours for one of such reasons: strike of transport company employees, weather conditions, transport failure.

Legal entities can additionally insure construction risks, cargo and transport cargoes.

The company's clients are 40 million corporate and individuals. Including:

• Banks and financial organizations: UniCredit, Russian Standard, Moscow Currency Exchange, Zenit.
• Corporations: TTK Ostankino, Golden Telecom, Vimpelcom, Megafon; "GOZNAK", LLC "National broker".
• Foreign companies and their branches: Renault, Volkswagengrouprus, Danone, Chanel, Michelin, Berlin-Chemie.

Factors

The cost of the policy depends on the conditions of the chosen service program, as well as on the age of the insured person. Policies designed for children (up to 1 year) and pensioners (from age 60 onwards) use a special incremental factor. Insured persons who engage in professional sports have a greater risk of injury. Therefore, when assessing potential hazards, an incremental factor is used. If there are additional options in the policy, the insured amount is proportionally increased.

Holding

The RESO group includes the companies of Kazakhstan NSC, Belarus "Belrosstrakh", Armenia RESO, Ukraine "SIMPLE-insurance". Reinsurance services are provided by Hannover Re, SCOR, Munich Re, Partner Re, Sirius and Gen Re. The holding unites more than 30 companies involved in insurance, pension, development, leasing and medical business in Russia and the CIS:

• The managing organization is HC Reso.
• Insurance services provide: "RESO-Garantiya", "QMS RESO-MED", "RESO-Delta".
• The group of companies includes: Medilux TM, Scandinavia Clinics, Auto Service, RESO-Leasing, RESOTRAST, RESO Credit Bank, SPF SberFond, KORIS Assistance.

RESO-Garantia: addresses in Moscow, head office

The regional network includes 794 representative offices throughout the Russian Federation, of which 145 points of sale are located in the capital. You can apply for a policy in any branch. What is the address of "RESO-Garantiya"? The central office in Moscow is located, as already mentioned, along Nagorny Prospekt 6. It serves customers daily from 09:30 to 20:00, on Saturday from 10:00 to 18:00, and on Sunday until 4:00 pm . On this schedule, most offices work, although some are open only on weekdays. For example, the offices of RESO-Garantia in Moscow (VAO) are open until 19:00:

• Ul. Weaving, 12.
• TD "Perovski".
• Shchelkovo Highway 77.

In the same area you can find other offices in Moscow. "RESO-Garantia" in the supermarket "City of Plenty" is open from 09:30 to 20:00 on weekdays and from 10:00 to 18:00 on weekends. Addresses of other points of sale, in which customers are serviced according to the schedule 09: 30-20: 00 on working days; 10: 00-18: 00 - Sat, Sun:

• Ul. The 15th Park, 44-A.
• Izmailovsky Boulevard, 43.
• Ul. Stromynka, 19-a.
• Ul. Novokosinskaya, 32-a.

What other offices does RESO-Garantia have in Moscow (ZAO)? On working days from 10:00 to 19:00 there is only a department located at the address ul. B. Filevskaya, 19/18. The following offices of RESO-GARANTIA in Moscow are also open on Saturdays from 10:00 to 18:00:

• Ul. Kiev, 19 (until 15:00 on Saturday).
• Etc. Kutuzovsky, 35.
• Mozhayskoye Highway 42.
• Etc. Vernadsky, 78.

Additionally on Sundays from 10:00 to 15:00 such offices are opened in Moscow:

• RESO-GARANTIA, ul. Yartsevskaya, 34.
• Ul. The Militia, 11.
• Ul. Lukinskaya, 14.
• Rublyovskoye highway, 50.
• Etc. Leninsky, 66.
• Ul. Novoperedelkinskaya, 13.

Many branches are also located in other joint-stock companies. The offices of RESO-Garantia in Moscow (SWAO) have the following:

• Etc. Leninsky, 45.
• Ul. Ramenki, 6.

These two branches accept clients on working days from 10:00 to 20:00, and on Saturday from 10:00 to 18:00. The following offices of RESO-Garantia in Moscow (SEAD) serve customers also on Sundays before 4 pm:

• Ul. Vavilov, 91.
• Ul. Novocheremushkinskaya, 49.
• Warsaw Highway 88.
• Ul. Profsoyuznaya, 18.
• Etc. Michurinsky, 9.
• Etc. Michurinsky, 34.

Here on this schedule SK "RESO-Garantiya" works. The head office (Moscow) serves primarily VIP-clients.

Confession

Over the years, the company "RESO-Garantiya" received such awards and participated in such competitions:

• Laureate of the main prize "Golden Salamander" (2005, 2008 and 2011).
• Winner of the contest "Mark No. 1 in Russia" (2011).
• Laureate of the "Financial Olympus-2010" in the category "Result and success".

The fact that the company "RESO-Garantiya", the central office in Moscow which is located at 6, Nagorny Ave., is developing steadily, according to experts:

• In 2010, the company took 132 th place in the rating of "Expert-400".
• Service of Standart & Poor's in 2012 assigned BB + rating. For the next year it was confirmed with a stable development forecast.
• In 2013, the company received a license to implement the "Compulsory Carrier Liability Insurance."
• In 2014, the agency "Expert RA" assigned a reliability rating at the level of A ++ with a stable development forecast, and the "National Rating Agency" rated the AAA. The same indicators were confirmed in 2015 and 2016.

Problems of auto insurance

The Union of Motor Insurers (RSA) has initiated a new bill, under which compensation for OSAGO will be paid in kind, that is, covering the costs of repair work. This scheme will completely displace all the cash from the market. Also, there will be no need for "autorists" services. They try to increase the insurance payment through the court, and for their services they take a percentage of the received insurance premium. "Authurists" deceive citizens and insurers. In 2015, they collected about 12 billion rubles.

The introduction of compulsory registration of electronic policies of OSAGO is the first stage to the appearance of a natural compensation. A single agent is a temporary measure, but in problem regions it will give an opportunity to switch to a direct choice of the insurer by the consumer. About full curtailment of agency activity it will be possible to speak after introduction of natural compensation.

Electronic policy of OSAGO

One of the most promising areas of the company is auto insurance. But in order to issue a policy, you do not need to apply to offices ("RESO-Garantia" in Moscow is one of the most popular insurers). It is possible to get an electronic MTPL policy directly through the company's website . Let us consider in more detail how to do this.

For primary and repeated filing of the application for the policy of OSAGO, you need to go to the section "Extend the MTPL policy on the Internet". Then you should register in your account, specifying the name, phone number (it's the same username). Be sure to consent to the processing of personal data and click on the "Register" button. After the "Data verification" you need to come up with a password and confirm it with a code from the SMS. The notification is also duplicated to the specified email address. After clicking on the login button "Register" many users have a bug.

Despite the notification, the user is already registered in the system. This is indicated by the receipt of SMS with codes. You need to enter your personal account by entering your phone number and password. In the menu on the left, select the item "Make a policy". Clients who have already issued policies through offices in Moscow ("RESO-Garantiya" - the insurer we are considering) will be able to see their list in the "List of policies" section. Directly through the site, existing contracts can be prolonged. If the term of the policy is over, you will have to create a new one.

In the application form, you must enter information about the car and the driver. The company requests both standard parameters and additional ones. For example, a name Driver, date of his birth, a series of driver's license - these are mandatory requisites for filling any policy. But why does the company know the location of the steering wheel, the number of passenger seats, the allowed weight when registering OSAGO for a car, is unclear. When filling out the form, you need to pay attention to such fields:

• "Date of the VU" is the date of issue of the first rights (if the identity card was replaced).
• The card number is a number of 21 characters in length indicated in the notes. You can check the data in the DC at the EAISTO.

It does not matter whether you decide to visit the head office (Moscow) or any other branch of RESO-GARANTIA company, employees immediately make data from the insurer's database. If the customer makes out the policy through the site, then first of all you need to focus on the information of the old contract. They are stored in the AIS of the SAR and may not coincide with the data of the PTS and the COP.

After filling all the information, you need to click the "Calculate" and "Save" buttons. Pay for the policy at the specified cost should be before the end of the current day, otherwise it will be canceled. Transaction is carried out through the gateway of Promsvyazbank. Funds are debited from plastic cards Visa / Mastercard. After payment, the policy can be downloaded as a PDF file. Here's how to formalize the policy of OSAGO without visiting offices in Moscow. "RESO-Garantia" does a lot for the convenience of its customers.

Caution! Clones

Since January 1, 2017, insurance companies are obliged to sell electronic policies of OSAGO. If this requirement is not met or if there are permanent technical failures, the insurer may be fined.

Such innovations immediately spurred the scammers to create websites, "clones" for the sale of electronic OSAGO. Among the first to appear on the market were visual copies of Rosgosstrakh, VSK and RESO. The addresses of these sites are similar to the real ones, but they are registered by anonymous persons. There are also many websites of "intermediaries", which are generally prohibited by law in electronic OSAGO. Even the first complaints were received from the affected clients. If the policy is purchased from fraudsters, funds from the account are written off, but the contract for e-mail does not arrive. Or, on the contrary, a letter with a redesigned PDF-file of these forms comes to the post office, but with forged seals and signatures. Such policies are not registered in any database, insurers are not responsible for them.

Reviews

The described company exists in the market for more than 25 years. To stay so long afloat, you need to have a well-functioning system of work and quality management. Therefore it is not surprising that the process of selecting a person is put on stream. This is evidenced by feedback from staff. Agents are recruited by students and young people with no work experience. New candidates are encouraged to undergo free training lasting approximately two weeks, after which testing takes place.

The first year the employee works for a salary of 30 thousand rubles. (Before tax). Only after this period career development becomes available. Another disadvantage is that the premium is not charged for the sale of the most popular product (MTPL policy). Such a rhythm of work stands on everyone, as evidenced by the large staff turnover.

25th anniversary

In 2016, RESO-Garantia Insurance Company will be 25 years old. Over the years, the company has risen to the third place in the list of market leaders. The organization employs 20,000 agents, opened 850 branches and outlets. Of the more than 100 types of services, the most priority are: auto insurance, LCA, property protection, mortgage insurance, protection of the life and health of tourists. The competitiveness of the organization in the market is determined by the professionalism of the employees, for whose training a special "Insurance School" was opened. Those who pass it, remain in the company.

Results of 2016

The authorized capital of RESO-Garantia is 3.1 billion rubles. In 2016, it earned 100 billion rubles. Only for the first quarter of 2016 the company took the first place in terms of the number of CASCO policies sold, the second - for OSAGO and VMI. Accrued funds are planned to be spent on the purchase of insurance companies specializing in compulsory medical insurance and LCA.

Over the past two years, more than 90% of the electronic policies of OSAGO were issued by the inhabitants of the Crimea. The main reason is that the regional coefficient is 0.6. If it is canceled, then it will be easier to calculate the cost of policies.

Reforms of e-OSAGO

In January 2017, 190 thousand electronic OSAGO were signed - 60% of all policies sold in 2016. On average, over a day, companies sell 9-10 thousand policies. Most of all contracts were sold in the Krasnodar Territory (20.7 thousand contracts), Volgograd (9.7 thousand) and Rostov (9.5 thousand) areas,

During the same time in the RSA received a lot of complaints from users who could not issue an electronic policy. An error occurred when redirecting from one site to another. In 50% of cases, the reason for the failure was that the client incorrectly entered the date of receipt of the first certificate. Another 30% of the failures occurred after checking the region and the car. The discrepancy between the data in the SAR database, the complexity of filling out the questionnaire and technical failures are the most frequent problems that clients encountered when drawing up policies.

Punishment

In case of refusal to sell the electronic policy, the insurer may be fined 200 thousand rubles. The system of punishment is also provided for the replacement insurer, whose website is redirected to the buyer of the policy. For constant technical failures of the company it is necessary to pay 50 thousand rbl. For each contract not concluded.