Many people in Russia, first got into an extraordinary situation, wondering about whether you can trust the promises of organizations providing public insurance services.The company "FAC" occupies in the ranking of insurers are not the last position, but controversy over the appropriateness of treatment in one of its representatives do not cease.
main parameters of the choice of the insurance company
What should consider choosing a company to enter into an insurance contract?This question is quite complex, not only for beginners, but also for those who have repeatedly faced the insurance industry.First you need to get answers to the following series of questions:
- how long the company operates in the insurance market?
- Is the organization sufficiently reliable?
- What rating (based on the rating agencies and people's comments) is the insurer?
decision-making, in addition, can affect the following factors:
- the cost of services of the company;
- location of the branch or office;
- the recommendation of friends and relatives.
history of formation and development of the organization
Open Joint Stock Insurance Company, known as the insurance company "FAC", offers services to the public and representatives of the Russian business since February 1992.
The organization is universal.The license received by the company allows its employees to make insurance of legal entities and private clients in many kinds of programs (over 100).In addition, the organization provides services for reinsurance, which distinguishes it from similar organizations in the form of company."FAC" (insurance company) today serves more than 10 million. Private customers and more than 125 thousand legal entities.
Under the acronym "FAC" before 2011 concealed the name "Military Insurance Company".After renaming the institution was counted among domestic insurers as the "All-Russian Insurance Company".In the same year it became known about the acquisition of a significant share of "FAC" company «RESO-Guarantee" (25%).As part of the insurance company include such entities as the Company "VSK-Mercy» and «VSK-Med".
In 2012 the OJSC "FAC" has overcome the 20-year mark.According to an assessment conducted in 2002 by the rating agency "Expert RA", the organization has been rated as A ++, which indicates an exceptionally high level of reliability.The company confirms this status for all subsequent years of work in the Russian market.
The organization currently operates with two trademarks:
1. «All-Russian Insurance Company".
2. «VSK Insurance House."
Regional Network of the All-Russian Insurance Company
During the time elapsed since the formation of the organization, has done a lot.Branches of insurance company "FAC" are available in all regions of our country.The number of representatives of that organization has already exceeded 750. An extensive network of subsidiaries and branch of the Russian insurance company consists of many branches and subsidiaries located in all administrative and industrial centers of the country."FAC" is deservedly considered the largest insurer of federal scale, occupying a leading position in most segments of the domestic insurance market.
Where is the insurance company "FAC"?Addresses of organizations in the region are advised to check on her official website.The head office of the OJSC "FAC" is located in Moscow (str. The island, 4).
Phones: 785-27-76 (code 495) 727-44-44 (code 495).
list of insurance services company
All-Russian Insurance Company provides its customers with comprehensive protection of property and personal interests.Among the services provided by the OJSC "FAC" to individuals and businesses, the most popular is insurance:
- against accidents and illnesses;
- property (except vehicles);
- for medical reasons;
- different vehicles (land, water and air);
- passengers and freight;
- civil liability of individuals and organizations;
- crops and animals;
- financial and business risks.
main advantages
positive reviews of the insurance company "FAC" leads to the conclusion that customers are able to evaluate such things as:
- presence of a large number of regional representative offices, allowing employees of the organization to provide the public the whole range of insurance servicesin any sufficiently large settlement of the country, as well as to make payments on insurance cases throughout Russia.It does not matter where it was awarded a contract for the provision of insurance services.
- high degree of reliability, regularly confirmed by the rating agency is a guarantee of timely fulfillment of obligations of the organization for everyone who goes to the OJSC "FAC".Due to the balanced insurance portfolio, sufficient insurance reserves and reinsurance system, the possibility of bankruptcy of the organization is minimized.
objective evaluation of the company
Experts believe that people's reviews of the insurance company "FAC", widely presented on the forums and on the website-otzovikah are a real public relations, designed to attract more customers.Give a negative assessment of the insurer essentially competing organizations and customers did not read the terms of insurance contracts at the time of the signing of the documents.
people's reviews are very subjective, because every service provider has both admirers and adversaries alike.Besides, should not cut one size fits all departments of the company and all its employees.If a person is insured in the organization of any risks, faced with the poor performance of a particular manager, then the negative feedback about the company should refer it to the employee (employee with the name and location of the unit "SSC").
should be noted that, according to surveys of customers, the rating of the insurance company "FAC" is quite low - the service organization arranges no more than 1/3 of the population is familiar with its services.This fact is quite easy to explain: the insurer is increasingly focused on services for legal entities, not individual clients.
Insurance company "FAC": reviews of satisfied customers
positive assessment on the insurance services provided by the organization, are much rarer than the negative reviews, which is obviously due to the feature of the Russian mentality.People rarely write reviews to the company whose services they are satisfied.In reality, customers are satisfied with this insurer, it is much more than it might seem at first glance.Let's try to find out what times are pleasantly surprised customers the OJSC "FAC»:
- Insurance Company (home insurance) produces the paperwork and payment of due funds quickly and without question, despite the fact that road transport, had an accident, purchased on credit.According to a number of positive reviews of car owners insured in the Moscow region, the quality of services the company is at a high enough level.
- According to motorists, they are quite satisfied with the service "FAC" (insurance company).Reviews (CASCO) often indicate that employees promptly inspect the cars and provide customers with a list of service stations, to repair machines, had an accident.Despite the long-term compensation, difficulties with the return of funds usually do not arise.
- Many customers repeatedly insure their car in the "RCS" for insurance, are convinced that the payment of insurance compensation upon the occurrence of any insurance event is produced on time and correctly.The amount paid is sufficient to repair the damaged car.
negative reviews of the insurance company "VSK»
Many Russian citizens, who have already benefited from the programs of insurance of the OJSC "FAC", note that the company has offices incompetent, slow and uninterested in attracting new customers employees.Workers are sorely lacking.Expect a call from an employee of the company, promised to call back in the near future, we have a very long time.As a result, customers are forced to find out the necessary information on their own.
are cases when the insurance company refuses to pay the customer cash for health insurance due to the fact that this program has allegedly ceased to operate.This VHI was issued just two weeks ago for a period of 12 months.Money for insurance services to the client will not be returned.
Produced analysis showed that the reviews of the company "FAC" is closely related to the evaluation of personnel agencies.Staff at the All-Russian Insurance companies often ignore the phone calls.Not owning the actual information, many workers refused to give advice, and sent to the client for help to other professionals, and those in turn to the following.Staff offices instead of customer service on the phone discussing personal problems.In addition, we have the following situation:
- Workers "FAC" refuse to insure the vehicles manufactured before 2005, citing the fact that the payment of such transactions they are not entitled.
- Documents provides customers with offices in the insurance company, it is very often lost.Victims of accidents have to collect a package of papers again.
- Hotline insurance company "FAC" is not justified.Customers, call the number listed in the policy, we have to call back to the general region number.Employees do not have the habit presented to its subscribers.Not finding the answer to the question of human caller, the operator can throw the phone.
- When issuing insurance policies clients have to pay for additional services, such as life insurance or property.In case of cancellation of insurance imposed by the company's employees are tightening the conditions for applications and extend the list of available documents.
- In the insurance case the clients of the OJSC "FAC" conducting a holiday abroad, we have to solve their own problems.
- Employees ignore their customers, creating a queue and perform it yourself in your current job, for example, draw up policies on the previous documents.
- Community personnel "FAC" with customers often happens in rough shape.Employees of the institution can easily close the office on a technical break without warning visitors waiting their turn.
Individuals often dissatisfied with the fact that the offices of the company involved in resolving the situation, and compensation for the victims, do not work on weekends.
«VSK»: reviews of staff
According to former managers of institutions working in the insurance company "SCS" - a kind of lottery.Official employment does not guarantee the staff of the earnings level that was promised to them in the interview.Salaries of "FAC" is composed of a small salary and bonuses for the fulfillment of the plan adjusted.
Premium percentage depends on the number of insured clients.To achieve the desired performance, an employee must have the following qualities:
- nice to be able to talk and convince clients;
- be cunning and calculating.
In the words of one of the former employees of the OJSC "FAC" provides services only to paying customers.All who are attracted to work as a manager in insurance, should be ready to take part in numerous trainings for the sale of insurance products and training courses.
Hull - one of the most popular insurance products
Many motorists are also interested in the services rendered for insurance transport company "FAC" (insurance company), reviews.
«CASCO Classic" - is a multifunctional product developed by the company.This type of service is considered unique because it creates for owners of cars maximum protection, regardless of the driving experience.Insurance will be formed taking into account all requirements of the client.Under the insurance subject:
- cars produced in Russia, the life of which does not exceed 10 years;
- foreign cars with the same age;
- equipment purchased by the owners of cars after purchase.
This type of insurance provides protection against theft of cars and possible damage to the vehicle due to any emergency.
«special trust" for the hull - is another interesting product that offers customers the insurance company "FAC".The rules of the program allow to include in the policy of close relatives applied without any additional charge.The only condition: the number of insured events with the participation of these people will be limited.
Using CASCO insurance calculator developed "FAC", can significantly simplify the calculation.After selecting the desired program, it is easy to calculate the cost of services of the company.A policy can be ordered directly through the Internet.He was brought home at the most convenient time for you.
The more interesting program hull, which offers its customers the insurance company "FAC"?Reviews of car owners, placed on the site and forums allow you to allocate some positive moments.
1. The company provides an opportunity to insure the car, which was acquired at the expense of credit funds.
2. Insurance services can be provided for less than 1 year.
3. In the case of travel abroad from the owner of car it is possible to extend the application of insurance.
4. Registration and renewal of the policy can be made at any office of the "FAC", regardless of the seat of the driver.
5. On examination of vehicles affected by the accident, involve independent experts, thus ensuring a fair assessment.
Insurance issued with a minimum package of documents.In addition to a passport is required to provide insurance to the manager of vehicle registration document and fill out an application.
Health Insurance Program
reviews of insurance company "FAC" in half of the cases related to the quality of registration of medical insurance.Clients facilities are available numerous programs of voluntary medical insurance.
in the offices of "FAC", you can select:
- volume of necessary medical services;
- advising doctor;
- suitable clinic.
Qualified assistance will be provided to customers "FAC" with no queues at any time.In the case of illness cover all contingencies insurance company.VMI policy holders will be insured by the extra costs associated with the requirements of outpatient centers, appointing survey of excessive volume.
Health Insurance Program by the OJSC "FAC" carefully controlled, that allows you to fully protect the interests of customers.VMI policy holders are protected by the insurance company on the territory of our country and outside the Russian Federation.
Programme property insurance
the organization's staff developed a set of services that allow to protect the property interests of Russian citizens.Insurance company "FAC" (office locations can be specified on the official website) will help minimize damage caused to your property as a result of fires and natural disasters, as well as in the event of accidents utilities (water supply breaks, fire, general wiring).
The cost of insurance will depend on conditions such as:
- list of risks identified in the policy;
- term of the insurance;
