Finance, Insurance
Insurance companies "Casco": rating and reviews
Costly movable property is recommended to insure. The goal is to get guarantees of replenishment of financial investments in its acquisition. Car insurance against theft and damage is called Casco insurance policy. There are two types of transaction - full and partial. The risks from which the car owner wants to protect themselves are taken into account. Insurance companies "Casco" (the rating is presented below) insure the car on the following principle: compensation occurs with deduction of depreciation wear, repaid and unpaid contributions of the insured.
Insurance cases
The cases for the payment of material compensation in the insurance "Casco" recognize:
- Damage to the car during a traffic accident.
- Ignition of the car. Payment is made if there are official documents from firefighters.
- The explosion of the car due to the detonation of fuel.
- Damage to the vehicle by various natural phenomena.
- Damage to the car by third-party items.
- Wrongful actions of third parties in relation to the machine.
Cases that do not fall into the category of insurance cases "Casco"
The category of insurance cases for the payment of compensation for the policy "Casco" does not include:
- Operation of the faulty vehicle.
- Violations of fire safety rules during the operation of the machine.
- Non-compliance with the rules for the transport of dangerous goods.
- The operation of the car by a person who does not have the right to do so.
- Driving in a state of drug or alcohol intoxication.
- The consequences of terrorist acts, military actions, social unrest, orders of the authorities, nuclear energy.
How to choose an insurance company for the Casco policy?
Car insurance is a serious matter. Approach the choice of a company that will provide a financial cushion in case of damage or theft, you need with all responsibility.
Insurance company "Rosgosstrakh"
The list, including insurance companies "Casco", whose rating allows them to be in the top 5, opens the company "Rosgosstrakh". Established in 1992 and being the successor of "Gosstrakh", the firm has preserved the experience and traditions accumulated since the day of its foundation. The main activity of the company is working with individuals.
What can attract people with insurance under the policy "Casco" in Rosgosstrakh? First, a high rating for reliability. Secondly, compensation is proposed within three thousand rubles in case of need to call the tow truck. If you believe the reviews, customers are attracted to the lack of the need to provide certificates from the Ministry of Internal Affairs and the traffic police in the event of an insured event. With minor damage, the direction for car repair is issued for 3 days.
"Rosgosstrakh" offers "Casco" for newcomers-drivers, chauffeur with experience. In addition, there is an anti-crisis policy (insured cases that do not fall under the OSAGO). The insurance can be issued now, and payment of the policy is carried out by installments for up to 6 months.
Insurance group "SOGAZ"
We further consider insurance companies "Casco". The rating of the SOGAZ Group is quite high. It functions since 1993. During its existence, the group has firmly won the highest level of "A ++" according to the version of the agency "Expert RA".
The most important fact testifying in favor of the company is the use in the insurance practice of registration of an accident on the Europrotocol without the involvement of police officers.
Insurance company Ingostrakh
Bronze in this ranking goes, according to experts, the company, created in 1947 - "Ingostrah". The branched network has 83 branches and more than 200 offices throughout the country. The rating of insurance companies "Casco" (Moscow is taken into account in the first place) assesses the individual approach to the client, the economic benefits of insurance and many other criteria.
Insurance company RESO-Garantia
Rating insurance company "Casco" allows "RESO-Garantiya" to firmly establish the fourth place in the ranking of the top 5. The company is considered the foundation year of 1991. Now there are more than 800 branches with 19 thousand employees. The rating of insurance companies "Casco" (SPB) takes into account the client base of the company, which is represented by more than 8 million legal entities and individuals.
A lot of good reviews can be heard about the VIP service program, which provides a personal manager for maintenance. This package allows round-the-clock dialing to the dispatch service, provides step-by-step instructions for insurance cases, allows you to receive a direction for repair remotely from the insurance company. With minor damages to the car, damages are paid without GIBDD's certificates.
Insurance company AlfaStrakhovanie
The fifth leading position in the expert rating of organizations that carry out Casco insurance belongs to AlfaStrakhovanie. It was founded in 1992 as an open joint-stock company called "East European Insurance Agency" (VE St.A.), which in 2000 joined the consortium "Alfa-Group" and received a new name. The company is represented by 270 territorial branches. Clients are about 25 million individuals and more than 400 thousand legal entities.
The company's attention to clients is also evident in the development of the policy of AlfaBusiness. In its framework, with minor damage to the car, repairs are performed without the need to provide information from the traffic police. At the same time, the policy of "Alpha. All inclusive offers insurance, in which reimbursement of up to 50% of the sum insured occurs without providing any information. A "CASCO in the top ten", developed by the company, compensates for losses in theft or problematic accidents, in which the culprit does not have a policy.
Summarize
The expert rating of insurance companies was considered. These are the best organizations of the industry, according to experts. The popular rating of insurance companies "Casco" is subjective. Although in many respects, the clients' opinions coincide with the opinion of qualified experts.
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