Tinkoff Insurance JSC - CASCO: reviews, terms and conditions, calculator

Property insurance in modern life is a necessary thing. Insure now you can all - life, real estate, cars, a smile and even a toy. The companies that deal with this type of financial activity are also huge. But experts advise to address in large - with them there are less problems with payments, they are less often closed and easier to contact in disputable situations. One of them is "Tinkoff Insurance" - JSC (joint-stock company), which specializes in insurance of vehicles, real estate, health and issuing insurance required for traveling abroad (without such insurance you will not be given a visa). In the article we will tell you what the company is, the features of insurance in it and innovations in the list of services.

About company

Initially, "Tinkoff" was created as a bank in 2006 by Oleg Tinkov. Now the organization deals with a huge number of financial transactions (deposits, loans, payments and transfers, investments), the issue of debit and credit bank cards. At the moment, the bank "Tinkoff" is one of the largest companies in the market for the production of bank cards in Russia.

A few years ago, the company began to develop Internet banking, and now is focusing on advertising on this feature (the slogan "Tinkoff - the largest online bank in the world from Russia"). In this organization, the Internet bank is really well developed: sites with a large number of sections and services, applications for which you can apply without getting up from your computer, mobile applications that also have a wide and accessible functionality. Applications from "Tinkoff" can be downloaded from the AppStore or PlayMarket, asking the same name request.

Insurance

"Tinkoff Insurance" - JSC (joint-stock company), which specializes in insurance services since 1993. Since 2013, belongs to the company "Tinkoff" and is also headed by Oleg Tinkov. All the load falls on the site, as all insurance policies are made through the Internet, because the company does not have retail offices. At the same time, the resource is understandable, pleasing to the eye in terms of color and not overloaded with texts: everything is brief and on the case, and if you need to know more, you just need to open a link that is easy to find. The company has a high level of reliability and a stable rating. It successfully develops, is actively advertised and constantly expands the list of clients.

Service list

The company "Tinkoff Insurance" provides several types of insurance services. These include:

• Insurance for travel abroad (without such insurance do not issue a visa, to obtain a document you need a passport of a citizen of the Russian Federation, a medical policy, and it is important to know the direction of travel and the time you are going to go to).
• Insurance of real estate (it is possible to insure an apartment, a house, additional buildings in the form of a garage, utility rooms, etc., a premise that is rented out, interior decoration, engineering equipment, movable property) from fire, flooding, natural disasters, illegal interference of third parties .

• Health insurance against traffic accidents, animal bites, injuries in occupations of professional or extreme sports, unforeseen events and in case of urgent hospitalization in a medical institution.
• Insurance of vehicles (issuance of policies of OSAGO, CASCO). This form will be discussed below.

OSAGO

Now on inexpensive second-hand cars people are more likely to make out only the policy of OSAGO, as its registration is obligatory under the law of the Russian Federation. In "Tinkoff Insurance" there is such a service. Since OSAGO according to general rules protects only during road accidents, it is possible to issue MTPL + CASCO. It will be more expensive, but there is a discount for such a combination of insurance programs, and the reliability will be higher.

Hull

This policy is now becoming more in demand. This is due to the fact that CASCO protects against hijacking and other unpleasant situations, and OSAGO, as already mentioned above, does not. Let's see what is a relatively cheap CASCO from "Tinkoff Insurance".

First, it protects against fire, explosion or lightning and natural disasters (flooding, hurricane, earthquake, etc.). Secondly, the policy of "Tinkoff Insurance" CASCO, reviews of which are generally positive (we'll talk about it below), provides protection in case of an accident, unless, of course, you are the culprit of the accident, and there are no other unforeseen situations on the road (wild or domestic exit Animals on the roadway, for example).

Although under insurance conditions it is said that it is possible to receive compensation payments even in case of guilt. But it is better to clarify this with the insurer, since the cases are individual. Thirdly, the policy protects your luggage and pets, which you transport in the car. Fourth, you are insured against falling of any items on the car. The most important thing is to protect against hijacking (theft). If your car is stolen by third parties, you will definitely be able to get monetary compensation. Also CASCO for the car compensates for the cost of technical assistance (evacuators), legal advice and taxi in case of urgent need.

How to calculate the cost of a policy

The cost of the policy "Tinkoff Insurance" CASCO can be calculated by going to the site and selecting the appropriate option "Calculate the cost" on the main page. A window will open in which you will consistently need to select the region using the car, the year of manufacture, the make, model, type of transmission (gearbox) and the approximate cost of the car for today, in your opinion. Further it is necessary to fill in a section with data about the driver: driving experience, age and contact details (name, phone and e-mail). The latter are needed in order to send the cost of the CASCO policy and a detailed calculation to the potential insured.

Terms of registration

Detailed conditions for registration of the insurance policy and conclusion of the contract can be read in the rules that are on the site. Here we give the main points.

In order to issue a policy, you must provide the following documents:

• Passport of a citizen of the Russian Federation or constituent documents, if the insurance is issued by a legal entity.
• Documents for the car (certificate of registration in the MREO GIBDD, PTA, power of attorney, if it takes place, the contract of donation, etc.).
• Driver's license.
• A document confirming the value of the car (contract, checks).
• Current or terminated insurance contract.
• Statement on the model.

The term of insurance is established in the contract. There also stipulate all insurance amounts that can be paid in specific amounts or percentages. This document is terminated unilaterally in case of non-payment of the insurance premium (contribution) in a timely manner. The insurer shall notify the policyholder by telephone. If any changes occur on the parameters specified in the contract, the owner of the car must notify the insurer about it within a month.

Features of insurance in "Tinkoff"

• The first important feature of insurance in this company is the formulation of the policy through an online service. You do not need to go anywhere, you just go online, open a website, calculate how much the policy will cost, or immediately make out it, indicating all the necessary data and paying any bank from the bank card.
• The second feature - the delivery of the policy at a convenient address and at a convenient time. You just need to negotiate with the courier and find out how much the delivery costs. It happens that they deliver for free.

• The third is the possibility of monthly payment. That is, you can pay for CASCO for a year at once or fix the contract once a month, then regularly you will be charged with the amount specified in the contract. This is convenient, because you can stop the payment and, accordingly, the policy at any time by going to your account on the site and clicking "stop".
• Fourth - you can get a detailed calculation of the cost of the policy, which you want to buy, without leaving home.

Additional services

When you receive the policy of "Tinkoff Insurance" CASCO, which will be reviewed below, you can then use additional free services, which include:

• Evacuator, which will deliver the damaged vehicle from the scene of the accident in the service station;
• Departure of the insurance agent in the event of an insured event (in case of an accident, it can help to formalize the europrotocol so as not to wait for the traffic police when the damage to the car is insignificant);
• Delivery of the policy, as mentioned above.

When an insured event occurs

In the event of an insured event, you must inform the insurer about it within 1 day. The period for submission of documents is 14 calendar days from the date of the incident. At the end of this period, the insurance company has full legal authority to refuse to pay any money, and even through the court you can not always achieve the reverse decision. If the reason for the notification delay was respectful, then by providing a document confirming this (sick leave sheet, travel document, etc.), the insurer extends the period for a certain number of days (under the terms of the contract or at its discretion) so that you can correct the situation and Provide the entire package of necessary documents, which includes:

• Passport of the car owner;
• PTS;
• driver's license;
• Certificate of registration of the vehicle;
• A protocol that confirms the fact of an accident, theft, damage to a car by third parties or fallen objects, a collision with an animal, and so on, certified by the State Traffic Safety Inspectorate;
• If the car is damaged or lost due to a natural disaster, a certificate from the authority dealing with this problem, for example, the Ministry of Emergency Situations, is needed;
• The conclusion from the workshop, certified by the expert, in which all the details and parts of the machine are to be replaced or repaired, as well as the materials necessary for this, and the cost of all of the above (if the repair is already paid, then all documents that confirm the fact of payment, for example , Checks, contracts).

The insurer has the right to carry out an examination of the damage to the car in order to assess the damage and the amount needed for the restoration. In some cases, compensation is paid without reference, you can learn more about it in the rules of insurance on the site "Tinkoff Insurance" CASCO. Reviews about the service can be read in the same place. It should be remembered that a cheap CASCO protects from a much smaller number of insurance cases, so you need to carefully read the contract.

Advantages of insurance in "Tinkoff"

• You do not need to stand in lines at the office of the insurance company.
• The settlement of the insured event usually takes about 3 days.
• You can pay CASCO for months.
• The possibility of calculating the cost of the policy in advance through the service "Tinkoff Insurance" CASCO. The calculator is simple and will quickly calculate the amount.
• Scans of documents can be sent by WhatsApp.
• Delivery of the policy at the right place and time.
• Free additional services (see above).
• Favorable registration under the OSAGO + CASCO program.

Reviews of the company

Before you buy something or use a service, many people are looking for information on the Internet. So we looked and found out what about "Tinkoff Insurance" CASCO reviews. For the most part, these are positive assessments of residents of cities in which car insurance operates. The minuses are noted in the periodic failures of the site, there are misunderstandings during registration and subsequent problems, and as a result - negative feedback.

The "Tinkoff" application, which is available for download in virtual stores, is also highly estimated (the average score is 4.8). Negative reviews are mainly related to application failures, some do not have enough functionality.

How to contact the company

To get additional information, to ask questions or to complain about failures in work, you can by "hot line": 8-800-500-47-28. Also on the site there is a button "Feedback", through it you can send your question, leaving the contact information to get a personal response. Before asking a question, read the "Questions and Answers" section, as there may be an explanation of your problem.

Also there are groups in social networks "VKontakte", Facebook, Instagram, Twitter and the channel on video hosting YouTube. They all have the name "Tinkoff Insurance". The address of the main office is: 125212, Moscow, Leningradskoe shosse, 39A p. 1. The location of the branches is also widely available, like all other requisites of the company.