Reviews of the insurance company VSK. Rating of the insurance company "VSK"

Many residents of Russia, for the first time in a freelance situation, are wondering whether it is possible to trust the promises of organizations providing insurance services to the population. The company "VSK" occupies not the latest positions in the rating of insurers, however, disputes over the expediency of applying to one of its representative offices do not cease.

Basic parameters for choosing an insurance company

What should I consider when choosing a company to conclude an insurance contract? This issue is quite difficult not only for beginners, but also for those who have repeatedly faced the insurance industry. First of all, you need to get answers to the following questions:

1. How long does the company operate in the insurance market?
2. Is the organization sufficiently reliable?
3. What rating (based on the data of rating agencies and people's reviews) does the insurer have?

Decision-making, in addition, may be influenced by the following factors:

- cost of services of the company;

- location of the branch or office;

- recommendations of friends and relatives.

History of education and development of the organization

The open insurance joint-stock company, known as the insurance company VSK, offers services to the population and representatives of Russian business since February 1992.

The organization's activities are universal. The license obtained by the company allows its employees to make insurance of legal entities and private clients for many types of programs (over 100). In addition, the organization provides reinsurance services, which distinguishes it from similar organizations in the form of LLCs. "VSK" (insurance company) today serves more than 10 million private customers and more than 125,000 legal entities.

Under the abbreviation "VSC" until 2011, the name "Military Insurance Company" was hidden. After renaming, the institution became listed among the domestic insurers as the "All-Russian Insurance Company". In the same year it became known about the acquisition of a significant stake in VSC by the company RESAO-Garantia (25%). The structure of the insurance company includes such legal entities as VSK-Miloserdie LLC and VSK-Med LLC.

In 2012, VSK "VSK" overcame the 20-year boundary. According to an assessment conducted in 2002 by the rating agency "Expert RA", the organization's activity was rated as A ++, which indicates an exceptionally high level of reliability. The company confirms this status during all subsequent years of work in the Russian market.

At present the organization carries out its activities using two trademarks :

1. "All-Russian Insurance Company".

2. "Insurance House VSK".

Regional network of the All-Russian Insurance Company

During the time that has passed since the formation of the organization, a lot has been done. Branches of the insurance company "VSK" are available in all regions of our country. The number of representative offices of this organization has already exceeded 750. The extensive network of branches and branches of the All-Russian Insurance Company consists of a number of branches and branches located in all administrative and industrial centers of the country. "VSC" is deservedly considered the largest insurer of federal scale, occupying leading positions in most segments of the domestic insurance market.

Where is the insurance company VSK? Addresses of the organization's offices in the regions are recommended to be clarified on its official website. The head office of the Joint Stock Company "VSK" is located in Moscow (Ostrovnaya St., 4).

Phones: 785-27-76 (code 495), 727-44-44 (code 495).

List of insurance services of the company

The All-Russian Insurance Company provides its clients with comprehensive protection of property and personal interests. Among the services provided by the JSC "VSK" to private individuals and business representatives, the most popular is insurance:

• From accidents and diseases;
• Property (excluding transport);
• For medical reasons;
• Various vehicles (land, water and air);
• Passengers and cargo;
• Civil liability of individuals, as well as organizations;
• Agricultural crops and animals;
• Financial and business risks.

Main advantages

Positive feedback on the insurance company "VSK" allows us to conclude that customers have had time to evaluate such moments as:

• The presence of a huge number of regional offices, which enables the organization's employees to provide the population with a full range of insurance services in any large populated locality in the country, as well as make payments on insurance cases throughout Russia. At the same time, it does not matter where the contract was signed on providing insurance services.

• A high degree of reliability, systematically confirmed by the rating agency, is a guarantee of timely fulfillment of obligations by the organization for all who turn to the Joint Stock Company "VSK". Thanks to a balanced insurance portfolio, sufficient insurance reserves and a system of risk reinsurance, the possibility of bankruptcy of the organization is reduced to a minimum.

Objectivity of company performance evaluation

Experts believe that popular reviews of the insurance company "VSK", widely represented on forums and on sites-otzovikah, are the real PR, designed to attract additional customers. Negative assessment of the insurer is given mainly by competing organizations and clients who inattentively read the terms of insurance contracts at the time of signing the documentation.

People's opinions are very subjective, as each service provider has both fans and detractors. In addition, you should not cut one branch of all branches of the company and all its employees. If a person who insures in the organization any risks, faces a bad job of a particular manager, then a negative feedback about the company should contain a link to this employee (with the name of the employee and the location of the VSK unit).

It should be noted that, according to customer surveys, the rating of the insurance company "VSC" is quite low - the organization's service suits no more than one third of the population familiar with its services. This fact is quite simple to explain: the insurer is more focused on servicing legal entities, rather than private clients.

Insurance company "VSK": reviews of satisfied customers

Positive estimates about the insurance services provided by this organization are much less common than negative reviews, which is obviously related to the peculiarity of the Russian mentality. People seldom write reviews about companies whose services suit them. In reality, customers who are satisfied with the work of this insurer are much more than they may seem at first glance. Let's try to find out what moments have pleasantly surprised the clients of SJSC "VSK":

• The insurance company (insurance house) makes the registration of documents and the payment of the due funds quickly and without additional questions, despite the fact that vehicles that got into an accident are purchased on credit. According to a number of positive reviews of car owners insured in the Moscow region, the quality of the company's services is at a fairly high level.

• According to motorists, they are quite satisfied with the service in "VSK" (insurance company). Reviews (CASCO) often indicate that the company's employees make timely inspection of the car and provide customers with a list of car repair centers that repair cars that have an accident. Despite the long period of payment of compensation, difficulties with the return of funds usually do not arise.

• Many customers who repeatedly insure their cars in the "VSK" for OSAGO, are convinced that the calculation of insurance compensation in the event of any insurance event is made in a timely and correct manner. The amount paid is sufficient to repair a damaged vehicle.

Negative feedback on the insurance company VSK

Many Russian residents who have already used the insurance programs of SJSC "VSK", note that in the offices of the company are incompetent, slow and disinterested in attracting new customers. Workers are sorely lacking. Expect a call from a company employee who promises to call back in the near future, it takes a very long time. As a result, customers are forced to find out the necessary information themselves.

There are cases when the insurance company refuses the client to pay money for health insurance because the program has allegedly ceased to operate. At the same time, the VHI policy was issued only 2 weeks ago for a period of 12 months. Money for insurance services to the client is not returned.

The analysis showed that the feedback on the company "VSK" is closely related to the assessment of the work of the institution's staff. Employees of the All-Russian Insurance Company very often ignore phone calls. Not knowing the actual information, many employees refuse to give consultations and send clients for help to other specialists, and those, in turn, to the following. Employees of offices instead of customer service are discussing personal problems over the phone. In addition, the following situations occur:

• Employees of VSK refuse to insure motor vehicles manufactured before 2005, arguing that they are not supposed to pay for such transactions.

• The documents provided by clients to the offices of the insurance company are very often lost. Victims of accidents are forced to collect a package of papers again.

• The hot line of the insurance company VSK does not justify itself. Customers who called the number indicated in the policy must call back to the common regional number. Employees of the company do not have the habit of introducing themselves to their subscribers. Not finding an answer to the question of the person calling, the operator can hang up.

• When issuing OSAGO policies, customers are forced to pay for additional services, for example, life or property insurance. In case of refusal from imposed insurance, employees of the company toughen the conditions for accepting the application and expand the list of provided documents.

• In the event of an insured event, the clients of JSC VSK, who spend their holidays abroad, have to solve their problems independently.

• Employees of the company ignore their customers, create queues, and themselves do it their current work, for example, draw up policies on previously accepted documents.

• Communication of VSK personnel with clients often takes place in a crude form. Employees of the institution can easily close the office for a technical break without warning the visitors waiting their turn.

Individuals are often unhappy with the fact that the company's offices dealing with situations and reparations to victims do not work on weekends.

"VSK": employee feedback

According to the former managers of the institution, work in the insurance company VSK is a kind of lottery. Official employment does not guarantee the staff of the organization the level of earnings that was promised to them during the interview. Wages of "VSK" employees are made up of a small salary and a bonus for the implementation of the finalized plan.

The premium percentage depends on the number of insured customers. To achieve the desired performance, a company employee must have the following qualities:

• Be able to speak beautifully and convince customers;
• Be cunning and prudent.

According to one of the former employees, ICJSC "VSK" is engaged in servicing only profitable customers. Everyone who is attracted to work as an insurance manager should be prepared to participate in numerous training courses on the sale of insurance products and advanced training courses.

CASCO - one of the most popular insurance products

Many car enthusiasts are also interested in services provided for transport insurance in OOO VSK (insurance company), reviews.

"KASKO Classics" is a multifunctional product developed by the company. This type of service is considered unique, since it creates maximum protection for car owners, regardless of the driving experience. The insurance will be formed taking into account all requirements of the client. Under insurance fall:

• Cars produced in Russia, the service life of which does not exceed 10 years;
• Cars of foreign production with the same age;
• Equipment purchased by car owners after the purchase of the car.

This type of insurance provides protection against car theft and possible damage caused to the vehicle as a result of any unforeseen situation.

"Special Trust" for CASCO is another curious product that is offered to its clients by the insurance company "VSC". The rules of this program allow you to include in the current policy close relatives of the applicant without any additional payment. The only condition is that the number of insurance cases involving these people will be limited.

Using the insurance calculator CASCO, developed by "VSC", you can significantly simplify the calculation procedure. Choosing the right program, it's easy to calculate the cost of the company's services. And you can order an insurance policy right through the Internet. It will be delivered home at the most convenient time for you.

What else are interesting CASCO programs that the insurance company "VSK" offers to its clients? Reviews of car owners, posted on sites and forums, allow you to highlight a few positive points.

1. The company provides an opportunity to insure a car purchased at the expense of credit funds.

2. Insurance services can be provided for a period of less than 1 year.

3. In case of traveling abroad, the owner of the car has the opportunity to extend the insurance coverage.

4. Registration and renewal of the policy can be made in any office of the "VSK", regardless of the location of the driver's stay.

5. When examining vehicles that have been injured as a result of an accident, independent experts are involved, which ensures a fair assessment.

The insurance is issued with a minimum package of documents. In addition to the passport, you will need to provide the insurance manager with a document on the registration of the transport and fill out the application.

Health insurance programs

Reviews about the insurance company "VSC" in half of cases are related to the quality of medical insurance. Many voluntary health insurance programs are available to the clients of the institution .

In the offices of "VSC" you can choose:

• Volume of necessary medical services;
• Consulting doctor;
• Suitable clinic.

Qualified assistance will be provided to customers of VSK without queues at any time of the day. In case of illness all unforeseen expenses will be covered by the insurance company. The holders of the VHI policy will be insured against unnecessary expenses associated with the prescriptions of outpatient polyclinic centers, which assign unnecessary surgeries.

The health insurance programs of VSK are closely monitored, which fully protects the interests of the company's customers. The holders of VHI policy are under the protection of the insurance company both on the territory of our country and outside the Russian Federation.

Property Insurance Programs

Employees of the organization developed a package of services to protect the property interests of Russian citizens. The insurance company VSK (addresses of offices can be specified on the official website) will minimize the damage caused to your property as a result of fires and natural disasters, as well as in the event of community accidents (breakdowns in water supply systems, ignition of general electrical wiring).

The cost of insurance services will depend on such conditions as:

• List of risks specified in the policy;
• Term of validity of the insurance;
• Value of property.

These directions are far from everything that this insurance organization can bring to its clients. "VSK" carries title insurance, protection of individuals in foreign trips, provides many other types of insurance services. A fairly high rating of the insurance company "VSK" allows you to conclude that you will not regret if you use the services of this insurer. Your choice will fully pay off, because good health, saved nerves and money - it's a lot!