Severnaya Kazna Insurance Company: customer reviews

The company was founded in 1993. The firm name is "Insurance Company Severnaya Kazna", the organizational form is a limited liability company. The abbreviated name of the organization is SK Severnaya Kazna. The current General Director - Merenkov A. V. - heads the company since 1996.

Information about the company

"Severnaya Kazna" LLC has 4 founders in its composition: general director Merenkov AV, Ufimkin A.Ya., CJSC "Ural-Avia" and LLC "Invest-guarantor".

The amount of the authorized capital (according to the data for 2012) is 6,269,304 42 rubles. The rating agency "Expert RA" assigned the level of reliability A III to Severnaya Kazna. This means that the organization has sufficient financial stability to fulfill its obligations in the near future. When evaluating in the long term, the analysis of the company's stability revealed a dependence on market relations and the situation in the sphere of insurance services. Therefore, she was assigned the third level of reliability in subgroup A.

What does Northern Treasury insure?

Insurance organization "Severnaya Kazna" carries out insurance for both natural persons and organizations. Directions of activity only 5 - this is auto insurance, health insurance, real estate, going abroad and business insurance (risks).

In these areas, various programs are being implemented. In total, 17 products are offered, which can be purchased at the company's offices and insurance stores.

Insurance company "Severnaya Kazna". Reviews

Auto insurance is a priority for any insurance company, including the Severnaya Kazna (Nizhny Novgorod) branch. Clients' comments on 2 insurance products - "Casco" and "OSAGO" - are very ambiguous. There are many happy people who either did not face payments and did not get into accidents or because of their insured events everything went smoothly. Statistics - the thing is dry. Judging by it, ¾ of clients who have concluded insurance contracts for OSAGO or KASKO, have received their sums. The question, however, is, in full volume and in what time period they were produced?

The mechanism of payments is the same in all firms. Insurance company "Severnaya Kazna" reviews clients' references, listens to them and makes every effort to resolve the issue in each case of discontent. And it reduces to two aspects - the delay in payment and understatement of the amount, the amount of which many customers do not know until the very last moment. Why did they start talking about the mechanism? The fact is that after submitting the entire list of necessary securities, the company appoints an independent expertise to assess the damage caused. And it is the amount of payment for the "independent" examination that causes the majority of customers to be displeased and bewildered.

Comments on OSAGO

July 1, 2003 - the day of introduction of compulsory motor insurance in Russia. The license for insurance was already received on June 10 by OSAGO Severnaya Kazna. Customer feedback has since been abandoned in large numbers. And not always they are positive. Many insured people receive their due money only after long legal proceedings, where the defendant is the insurance company Severnaya Kazna. Comments on payments and actions of the insurer, it is worth noting, in most cases, negative.

There are several main areas of discontent:

1. Small amounts of payments.
2. Long waiting period for the transfer.
3. Refusal or acceptance of a biased decision of the appraisal examination, which can only be changed if you go to court.

Branches of Severnaya Kazna (insurance company). Job Reviews

To date, Severnaya Kazna has its representative offices in 93 cities of Russia, the central office is located in Yekaterinburg. The main goal of the company's management is to increase the territory's presence in the regions and the appearance of new offices, 2010 is a very vivid example (most of the branches are opened just then). In addition, the management also sets before the employees of the entire branch network quite specific goals:

1. Customer needs must be satisfied in full at all stages of cooperation - from making a deal to paying for insurance events when they occur.
2. Insurance of clients of any prosperity - on an equal basis with VIP-clients ordinary citizens are also served.

Among the company's employees, a large percentage is occupied by sales managers of insurance services, which is connected with the positioning of "myself" as an insurance store. Management is not so numerous. And if you look closely at the rating of the "Northern Treasury", it immediately becomes clear where unfavorable reviews come from.

The thing is, the company is developing, therefore, money in its accounts for insurance payments may not be enough. Especially considering the scale of the activity. But the money is still paid, because it is the responsibility of the insurance company. Indeed, clients sometimes delay payment, hence understandable discontent.

Why are they insured there, or What good is there in the Treasury?

As for insurance programs, the company tries to minimize the base rates for various products. Carries out actions for attraction of clients, organizes release of own printed edition about insurance and tendencies of the market of services. Among other things, the phone is organized around the clock customer support. When contacting the call center, the client will receive a response to his appeal within a short time.

Insurance company "Severnaya Kazna" reviews customers in real time thanks to the internal quality service. Therefore, objective feedback on activities can be left on the Internet or by phone. And by the way, every negative feedback or indignation of the client does not remain unanswered - the company's employees are making efforts to resolve the issue. Or try to do it, but most importantly - do not ignore the insured persons.

People's rating

Monitoring of all kinds of resources to evaluate the company's activities from its clients who were in the accident showed all the same problems - long payments, understatement of amounts and lawsuits against the UK.

On a five-point scale, the insurance company's valuation fluctuates around 2 units. At the same time, in a percentage ratio, about 25% of clients recommend the "Northern Treasury" and are happy with the cooperation with it, and the remaining 75% in the majority seek payment only through the court. In this case, the company loses more funds than with a voluntary and timely payment. The plaintiffs claim the additional costs that the UK, when deciding the court not in its favor, is also forced to pay.

Parting words

The decision on insurance is taken by everyone on the basis of their own convictions and opinions. Severnaya Kazna is not hopeless, as its position among 400 insurance companies is stable for many years and has never fallen below the 40th line.

In 2013 Severnaya Kazna took the 32nd place. Stability is a sign of skill, as you know. Therefore, every year the existence of the company, no doubt, is better than the past, and the level of service is growing. And the financial problems that exist now, with proper management and focus on improving indicators will be solved. Undoubtedly.