On the Russian market, hundreds of companies carry out financial activity in the insurance of OSAGO. One of them is VSK Insurance (feedback on OSAGO is available). This is a Russian insurance company that has taken its own confident niche in the domestic insurance market. It offers services in the sphere of life insurance, objects, life and health, deposits, travel, OSAGO, CASCO, etc. There is a company from the head organization, which is located territorially in Moscow, and a lot of divisions and branches in the regions of the Russian Federation.

This article will consider reviews of the insurance company VSK for OSAGO.

About company

The company uses several trade names, such as "Insurance House VSK" and "All-Russian Insurance Company."

On the insurance market of the Russian Federation, the company has been operating for more than 15 years. He confidently calls himself one of the leaders in this field of activity. As confirmed by numerous reviews, VSK for OSAGO ranks among the top ten companies in our country in terms of insurance fees and payments.

VSK has a valid license for the conclusion of insurance contracts for more than 110 types of transactions. Services are rendered to legal entities and individuals.

During 2016, VSK acquired a controlling interest in small insurance companies, and a number of mergers occurred.

The activity of VSK as an insurance company at the moment can be described as a large-scale and successful.

The order of rendering services by the insurance company

As confirm the feedback, VSK on OSAGO is one of the leading insurance companies in the country.

When rendering services to individuals and legal entities, the company concludes civil-law bilateral contracts on a reimbursable basis.

The contract has the following content:

• Data of the parties to the contract.

• Description of the service.

• Conditions of imprisonment and termination.

• Responsibility of the parties.

• Validity.

• The procedure for obtaining insurance premiums.

• The amount of the insurance premium.

• Terms of occurrence of the insured event.

• Responsibility of the parties.

Basic Documents

In the company VSK OSAGO (customer reviews confirm this) - the key product.

The main documents involved in the transaction are a contract for the provision of insurance services, insurance policy and payment documents.

The current legislation of the Russian Federation in the field of insurance allows you to apply the contract and the policy or one of these contracts.

That is, the insurance contract, which has an identification number and the date of the conclusion, can be applied without issuing an insurance policy, if it is stipulated by the company's rules.

In another case, a number policy is issued on the basis of the insurance contract.

The insurance policy can be individual or collective.

In the cases of OSAGO and CASCO, it is necessary to have an insurance policy, in accordance with the norms of the current legislation of the Russian Federation.

The activity of insurance companies is regulated by the norms of the Federal Law of 27.11.1992 "On Insurance in the Russian Federation".

Features of occurrence of an insured event

As confirm the feedback, VSK for OSAGO has been working for a long time and successfully. The company has the following rules and regulations.

During the validity period of the insurance contract and the policy, the recipient of the service after the occurrence of the insured event is entitled to receive a premium. The amount and procedure for obtaining the award are subject to the terms of the contract.

After the occurrence of the insured event, the insured must, in the prescribed manner, submit a package of documents, after consideration of which the question of payment of the premium or refusal is accepted.

The insurance company has the right to refuse partially or in full in the payment if the insured violated the order of notification, collection of documents, terms or other conditions.

Legislation provides for a period of appeal against such decisions and a certain legal procedure for actions.

The decisions on partial or complete refusal to pay insurance premiums are filed by filing a claim with the insurance company or applying to the court.

The court has the right to cancel the decision of the insurance company on partial payment or full refusal, recognizing it as illegal. If the court decides to pay the full amount or increase the amount, this is stipulated in the judicial act, after which the insured person has the right to demand the forcible collection of monetary funds.

Comments on the work of the insurance company VSK

As confirmed by numerous reviews, VSK for OSAGO receives a large number of claims.

There are drawbacks in the activities of branches. Due to the location of the head office in Moscow, the documents are received through branches with further redirection to the central unit. The final decision on the material takes a long time. In addition, all claims for the insured event are accepted at the branches, but are reviewed at the central office. Clients can not always get an exhaustive question about the movement of the insurance business, as the information is elucidated by long-term correspondence of the insurance agent of the branch with the administration of the head office.

The second problem is the queue in almost every branch for the acquisition of an insurance policy and treatment for the payment due. In the regime of active urban life, Russian citizens are accustomed to saving their own time.

All departments of the insurance company communicate with each other by online correspondence. In this mode, the client does not have the opportunity to obtain exhaustive information. There is a need to address each direction separately.

Disadvantages in the central office of the FAC

The company VSK (feedback on OSAGO this is confirmed) is not distinguished by a special quality of service.

Due to the receipt of documents from a number of branches and divisions, the main office is loaded with work. In this regard, the service on the ground suffers.

According to customer feedback, employees do not provide specific information on the date of resolution of the issue.

There was a systematic violation of the deadlines for considering the material on the insured event, transfer of payment, consideration of applications and petitions. For a very long time the insurance of OSAGO VSK is paid (there are reviews in this regard).

To appraisers need to be recorded in advance, strict requirements for inspection of the car.

Many of the citizens' appeals to the Loss Adjustment Department end with empty and formal unsubscribes, without substantial content.

Positive moments

There is enough positive feedback on the work of the insurance company VSK. According to the available statistics, about 70 insurance cases are resolved with the result of satisfaction of both parties, the insurance company and the insured.

When calculating payments, the company practically does not underestimate the cost of repairs and parts for policies. This confirms the company VSK reviews. OSAGO (Moscow is a big city, there are a lot of accidents) and CASCO is paid regularly. But this is not only in the capital, in other cities the situation is the same.

After settling the issue in court, in almost 100% of cases the company voluntarily repays the amount due for recovery.

The company has a fairly loyal staff of experts-appraisers, who carry out transportation inspection and settlement.

Negative moments

The policy of OSAGO VSK (reviews confirm this) is one of the most popular products of the company. Therefore, the number of negative reviews in this area is greater than under other treaties.

But there are also a lot of violations in the work due to sufficiently high sums on payment based on the policies of OSAGO.

Initially, in many regions of Russia during 2016, the issue of selling policies was very acute. People had to register in advance (2-3 weeks) or idle in the queues for a couple of days to buy a MTPL policy.

Payments

It is not always proportional to the regular growth in the cost of the policy and the absence of an increase in the payout ratio.

The more popularity a company acquires, the more often the cost of services is increased.

On the Internet there are a lot of negative feedback on the work of the company when accepting documents for registration of an insurance event. Employees often make many mistakes and misprints, which subsequently make it difficult to receive payment.

Almost never payment occurs at the beginning of the period, which is indicated for the transfer of money. Cash is received on one of the last days.

About VSK company reviews of OSAGO confirm that it is almost impossible to purchase an online policy. They are either absent or when processing problems arise with the operation of the system.

Life and health insurance

The minimum number of negative reviews in the field of life and health insurance company VSC. This is due to the comfortable conditions of insurance, high level of payments.

Unlike other insurance companies, VSK in the implementation of this type of payment requires a minimum package of documents. In addition, there is no need to wait for the end of the treatment period, if this does not make it difficult to calculate the payment. If there are relevant medical documents confirming the existence of an insured event, the insured person can file an appeal to receive the money due.

Another distinctive plus of the insurance activity of the company in settling losses is the possibility of filing documents in any branch or subdivision of the company.

Despite the gained momentum, nevertheless, the quality of servicing the population in the direction of selling OSAGO policies and calculating payments for insurance cases is not improving.

VSK insurance (feedback on OSAGO is confirmed) - not too popular today company.

What measures need to be taken to protect yourself when registering an insurance event?

• When signing a contract and acquiring an insurance policy of OSAGO, read the documents carefully.
• Keep the policy and the contract before the expiration of the period.
• When signing an agreement, take a printout with the rules for obtaining insurance payment.
• In a timely manner, notify the representative of the company of the occurrence of the insured event, retaining written evidence of such notification.
• Carefully study the stipulated terms and the necessary package of documents for circulation.
• When submitting a package of documents on payment, receive a copy of the application with a note on admission.
• Keep all correspondence on the insurance case with the agent of the company.
• In no event until the time of full payment does not perform self-repair of the car or its alienation in favor of third parties.
• If necessary, make an independent assessment and provide the insurance company with a report.
• If there is any doubt, contact a qualified lawyer in the field.

What should I do if the payment procedure is violated?

It is important to understand that Russian legislation is on the protection of the rights and freedoms of citizens. If the order of payment is violated, it is necessary to apply to the court.

As practice shows, when considering civil suits on the fact of recovery from an insurance company in favor of legal entities and individuals, the court most often takes the side of the plaintiff, if there are no significant violations on his part.

Applying to the court, under the policy of OSAGO, the client of the insurance company collects not only the payment due, but also compensation, interest for using other people's money, penalties, court expenses, etc. The law allows you to apply to the court not only on the size of the payment, but For violation of terms.

After the amendments introduced in recent years, the insurance legislation has tightened, and for insurance companies for violation of its norms, severe penalty is provided in the form of penalties.

According to statistics on the work of insurance companies in Russia for 2016, the total amount of payments for OSAGO rose by forty percent. This created a rather complicated situation in the insurance market. Some companies had to stop their financial activities. Others have undergone a transformation. For example, "Bin-insurance" passed the procedure of merging with VSC. After the merger procedure, the registration of insurance cases, the implementation of payments for policies of OSAGO, issued in 2016 in the offices of "Bin-insurance" were already made VSK.

Conclusion

Based on the results of the work of the insurance company VSK in the part of policies of OSAGO for 2014-2016, according to the population, the organization is ranked 6th in the top ten most popular insurers.

However, according to the assessment conducted in accordance with payments on OSAGO by Sberbank of Russia, the rating of VSC is slightly higher. In this list the company is on the fourth place among ten popular.

These figures, despite the feedback from the population, still speak of the reliability of the VSK insurance company for payments of OSAGO.

It is important to understand that after the peak of activity in the insurance market in 2010-2012, beginning in 2014, he works in a crisis mode. This can not but affect the operation of the central office in Moscow and the branches of the insurance company as a whole. This affects payments for OSAGO VSK (reviews in this regard are available).