Reviews about the insurance company "VSK. Insurance company VSK insurance house VSK insurance in

Insurance Company VSK (full name Insurance Open Joint Stock Company VSK) was founded in 1992 and is currently one of the most significant insurers, a backbone Russian insurance company. The company initially specialized in the insurance of military personnel, but at the beginning of 2011 it abandoned the Military Insurance brand. Today it is a universal insurer. In recent years, it has not left the top ten in terms of insurance fees and the number of contracts concluded. It has an authorized capital of 3.2 billion rubles. On the territory of the Russian Federation, the company opened about 100 branches and almost 700 branches and additional offices. VSK offers more than a hundred types of services to both individuals and businesses, and also provides risk reinsurance services. Today, more than 125,000 enterprises and more than 10 million Russian citizens are protected by VSK insurance policies. Responsible approach to the creation and improvement of the insurance portfolio, risk protection in the world's leading reinsurance companies, an impressive amount of accumulated insurance reserves and working capital allow SOJSC "VSK" to occupy a leading position in the market. The VSK team was twice thanked by the President of the Russian Federation for their great contribution to the development of the insurance business (in 2002 and 2007)

Company Services

auto insurance

• Casco;
• OSAGO;
• Green map.

Property

• Flat;
• A responsibility.

Traveling abroad, in Russia and the CIS

Life insurance

• Payment on time;
• For survival;
• Loss of a breadwinner.

Mortgage

• Life and health;
• Non-return insurance;
• Home insurance;
• Title insurance.

KBM

Checking KBM in VSK right now. Go to the "Check Insurance History" section

Company products

VSK insurance company has a license for all types of insurance activities, OSAGO and hull insurance policies are one of the strategic directions of the company's development. You can specify the cost of hull insurance from VSK in our calculator.

Casco

Car insurance under the Casco program will protect the car and additional equipment from damage or loss at the risk of "Damage" as a result of:

• Road traffic accident (RTA);
• Fire (including as a result of spontaneous combustion of the vehicle) or explosion;
• Natural disasters, natural hazards, lightning strikes;
• Illegal actions of third parties;
• Falling foreign objects (including snow or ice);
• Mechanical impact of animals.

OSAGO

Since April 2015, the VSK insurance company has set the base rate for OSAGO in the amount of 4118 rubles for Moscow. You can specify the cost of OSAGO in VSK company in our calculator.

Additional options

• Insurance of a car and additional equipment at the risk of "Theft";
• Accident life and health insurance for the driver and passengers;
• Possibility of credit car insurance;
• Opportunity to buy a hull insurance policy for a period of 6 months or more;
• Possibility of expanding the territory of insurance to the CIS countries, the countries of the European Union, Europe and Asia (China, Turkey).

On our website you can get acquainted with the following products of the insurance company:

Reliability rating of the insurance company "Expert RA"

Reviews

Name: Sergey. Nizhny Novgorod.

Grade:

Products: OSAGO

Changed rights. I arrived at the office where I insured the car in order to enter the changes. The agent said that they do not do such actions, they need to go to another office. I printed out four offices from the Internet, not a single phone is valid. Well, what is it? What if you don't find them at all.

Name: Alla

Grade:

Products: OSAGO

Pleasantly surprised.
Initially, my father insured the car without my presence, I was not happy. But, after the accident happened (I am the victim) never ...

Name: Vladimir

Grade:

Products: Casco, OSAGO

Number of insured events: More than one insured event

Evaluation of the actions of companies in the insured event: VSK insurance company helped in the insured event

Partner banks

VSK insurance company is an accredited partner of many banks. Close cooperation takes place both in the acquisition of hull insurance policies for credit cars, and in life insurance with mortgages and other banking products.

Constituent data

Company records

2011

VSK insurance company settled the largest insured event in modern history Russia in the field of agro-industrial insurance. The total insurance payment for insurance of the property complex, expenses from interruption in production and loss of commodity stocks amounted to more than 2.4 billion rubles

2012

VSK paid out a record mortgage insurance compensation for the Russian market. Insurance payments in the amount of 117 million rubles and 8.87 million US dollars were made in terms of causing harm to life and health under mortgage insurance. This payment has become the largest in the domestic mortgage insurance market.

2013

The Moscow branch of the VSK Insurance House concluded contracts for the insurance of the vehicle fleet of OJSC Mosvodokanal and the branch of the Moscow Metro State Unitary Enterprise Spetsavtobaza. The sum insured under the contract concluded with the Moscow Metro in terms of hull insurance is 38 million rubles.

2014

VSK Insurance Company won the competition of the Ministry of Defense for the right to obligatory liability insurance for causing harm to life, health or property of third parties during launches of intercontinental ballistic missiles (ICBMs). The contract price was 8.8 million rubles. The contract will be concluded for 2014–2015. VSK will provide insurance protection for 17 launches of intercontinental ballistic missiles.

Prizes and awards

2012

• Rating agency "Expert RA" awarded VSK with a diploma in the nomination "Leader of bancassurance" for its contribution to the development of the Russian banking market.
• As part of the Russian Internet Week, the ceremony of awarding the winners of the Golden Site 2012 competition took place on the main stage of the Expocentre. The updated website of the VSK Insurance House became the winner in two categories: "Insurance and Expertise" and "Trademark of the Company".
• The rating agency "Expert RA" again awarded VSK with a diploma in the nomination "Leader in insurance of leasing operations". The solemn ceremony took place within the framework of the XI annual conference "Leasing in Russia-2012".

2013

• VSK insurance company took the first place in the loyalty ranking of the leading insurance companies in Russia, compiled by rating agency AK&M based on 2012 results.
• As part of the annual conference "Mortgage insurance in Russia", organized by the rating agency "Expert RA", VSK Insurance House received an award in the nomination "Leader of the Mortgage Insurance Market"

2014

• As part of the X Annual Professional Conference "Risk Management in Russia", an award ceremony was held for companies with the most advanced risk management practices. VSK Insurance House received the award "For high level investment risk management”.
• According to the results of a study conducted by the Fabrikant.ru portal, VSK Insurance House received the status of "Reliable Supplier - 2014".

Many residents of Russia, who find themselves in an emergency situation for the first time, are wondering whether the promises of organizations that provide insurance services to the population can be trusted. The VSK company occupies not the last positions in the rating of insurers, however, disputes over the advisability of applying to one of its representative offices do not subside.

Key parameters for choosing an insurance company

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

1. How long has the company been operating in the insurance services market?
2. Is the organization sufficiently reliable?
3. What rating (based on data from rating agencies and popular reviews) does the insurer have?

In addition, the following factors may influence the decision:

The cost of the company's services;

Location of the branch or office;

History of formation and development of the organization

An open joint-stock insurance company, known as the VSK insurance company, has been offering services to the population and representatives of Russian business since February 1992.

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

Under the abbreviation "VSK" until 2011, the name "Military Insurance Company" was hidden. After the renaming, the institution began to be listed among domestic insurers as the All-Russian Insurance Company. In the same year, it became known about the acquisition of a significant share of VSK by OSAO RESO-Garantia (25%). As part of insurance company there are such legal entities as VSK-Mercy LLC and VSK-Med LLC.

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

Currently, the organization operates using two:

1. All-Russian Insurance Company.

2. VSK Insurance House.

Regional network of the All-Russian Insurance Company

A lot has been done since the foundation of the organization. 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 many branches and branches located in all administrative and industrial centers of the country. VSK is deservedly considered the largest federal-scale insurer, holding a leading position in most segments of the domestic insurance market.

Where is VSK Insurance Company located? Addresses of representative offices of the organization in the regions are recommended to be clarified on its official website. The head office of SOAO "VSK" is located in Moscow (st. Ostrovnaya, 4).

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

The list of insurance services of the company

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

• from and diseases;
• property (except for transport);
• for medical reasons;
• various vehicles (land, water and air);
• passengers and cargo;
• civil liability of individuals and organizations;
• agricultural crops and animals;
• financial and business risks.

Main advantages

Positive feedback about the insurance company "VSK" allows us to conclude that customers have managed to evaluate such points as:

• The presence of a huge number of regional offices, which makes it possible for the employees of the organization to provide the population with a full range of insurance services in any fairly large settlement of the country, as well as to make payments for insured events throughout Russia. It does not matter where exactly the contract for the provision of insurance services was concluded.

• A high degree of reliability, systematically confirmed by the rating agency, is a guarantee of timely fulfillment of obligations by the organization for everyone who applies to SOJSC "VSK". Thanks to a balanced insurance portfolio, sufficient insurance reserves and a risk reinsurance system, the possibility of bankruptcy of the organization is minimized.

Objectivity in assessing the company's activities

Experts believe that popular reviews about the VSK insurance company, widely presented on forums and review sites, are real PR, designed to attract additional customers. A 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.

Popular reviews are very subjective, since every service provider has both fans and detractors. In addition, one should not cut all departments of the company and all its employees with the same brush. If a person who has insured any risks in an organization encounters a poor performance by a particular manager, then a negative review of the company should also contain a reference to this particular employee (indicating the name of the employee and the location of the VSK division).

It should be noted that, according to customer surveys, the rating of the VSK insurance company is rather low - the organization's service suits no more than 1/3 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 assessments about the insurance services provided by this organization are much less common than negative reviews, which is obviously due to the peculiarity of the Russian mentality. People rarely write reviews about companies whose services suit them. In reality, there are much more customers who are satisfied with the work of this insurer than it might seem at first glance. Let's try to find out what moments pleasantly surprised the clients of SOJSC "VSK":

• The insurance company (insurance house) executes the paperwork and pays out the funds due quickly and without any questions, despite the fact that the vehicle involved in the accident was purchased on credit. According to a number of positive reviews from 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 at VSK (an insurance company). Reviews (CASCO) often indicate that company employees inspect cars in a timely manner and provide customers with a list of car services that repair cars that have been in an accident. Despite the long period of payment of compensation, there are usually no difficulties with the return of funds.

• Many clients who repeatedly insure their cars in VSK under OSAGO are convinced that the calculation of insurance compensation in the event of any insured event is carried out in a timely and correct manner. The amount paid is enough to repair the damaged car.

Negative reviews about the insurance company "VSK"

Many Russian residents who have already taken advantage of the insurance programs of SOJSC VSK note that incompetent, slow and uninterested employees in attracting new customers work in the company's offices. There is a catastrophic shortage of workers. It takes a very long time to expect a call from a company employee who promises to call back in the near future. As a result, customers are forced to find out the necessary information on their own.

There are cases when the insurance company refuses to pay the client Money on health insurance due to the fact that this program has allegedly ceased to operate. Wherein VHI policy was issued only 2 weeks ago for a period of 12 months. Money for insurance services is not returned to the client.

The analysis performed showed that reviews about the company "VSK" are closely related to the assessment of the work of the staff of the institution. Employees of the All-Russian Insurance Company very often ignore phone calls. Not having up-to-date information, many employees refuse to give advice and send clients for help to other specialists, and those, in turn, to the next ones. Office workers instead of customer service discuss personal problems on the phone. In addition, the following situations take place:

• VSK employees refuse to insure vehicles manufactured before 2005, arguing that they are not entitled to payment for such transactions.

• Documents provided by clients to the offices of the insurance company are very often lost. Those injured in accidents are forced to collect the package of papers again.

• The hotline of the VSK insurance company does not justify itself. Customers who call the number specified in the policy have to call back to the general regional number. Employees of the company do not have the habit of introducing themselves to their subscribers. Unable to find an answer to the caller's question, the operator may hang up.

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

• In the event of an insured event, the clients of SOJSC "VSK", who spend their holidays abroad, have to solve their problems on their own.

• Employees of the company ignore their customers, create queues, while they themselves do their current work, for example, draw up policies according to previously accepted documents.

• Communication between VSK personnel and clients is often rude. Employees of the institution can easily close the office for a technical break without warning visitors waiting in line.

Individuals are often dissatisfied with the fact that the company's offices involved in the settlement of situations and compensation for damage to victims are not open on weekends.

VSK: employee reviews

According to the former managers of the institution, work in the VSK insurance company is a kind of lottery. Official employment does not guarantee the level of earnings that was promised to them during the interview. Wage employees of "VSK" consists of a small salary and bonuses for the implementation of the completed plan.

The premium percentage depends on the number of insured clients. To achieve the desired performance, an employee of the company must possess the following qualities:

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

According to one of the former employees, SOAO "VSK" is engaged in servicing only profitable customers. Anyone who is attracted to work as an insurance manager should be prepared to participate in numerous insurance product sales training and professional development courses.

CASCO is one of the most demanded insurance products

Many car enthusiasts are also interested in the services provided for vehicle insurance at VSK LLC (insurance company), reviews.

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

• cars made in Russia, the service life of which does not exceed 10 years;
• foreign-made cars with the same age;
• equipment purchased by car owners after buying a car.

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

“Special Trust” for CASCO is another interesting product offered by VSK insurance company to its customers. The rules of this program allow you to include in current policy applied without any additional charge. The only condition is that the number of insured events involving these people will be limited.

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

What else is interesting about the CASCO programs offered by VSK insurance company to its customers? Feedback from car owners posted on websites and forums allows us to highlight several positive points.

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

2. insurance services may be granted for a period of less than 1 year.

3. In the case of going abroad, the owner of the car has the opportunity to extend the validity of the insurance.

4. Registration and renewal of the policy can be done at any VSK office, regardless of the location of the driver.

5. When inspecting a vehicle damaged as a result of an accident, independent experts are involved, which ensures a fair assessment.

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

For their own peace of mind, everyone, of course, would like to enlist the support of a reliable partner who will help solve any problem. The VSK insurance company is such a partner. Residents of both Moscow and the region, as well as other regions, can use insurance services.

The beginning of the history of the structure was laid in 1992. Since then, specialists have been working non-stop to ensure that the status of a national-scale structure only strengthens its position every year. Millions of satisfied customers who applied to VSK branches in the Moscow region were able to make sure that this company is able to change the attitude towards insurance in the country. And it is not surprising, because the fundamental components of the structure are such principles as trust and partnership.

In its work, VSK pays special attention to the development of not only the insurance market, but also very narrow shares in the regions. For corporate clients, a special package of services is offered to build a sustainable and reliable business. Fulfillment of all undertaken obligations is a paramount task set by the company.