Insurance company "AlphaStrakhovanie". Customer reviews about the insurance company "AlfaStrakhovanie"

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Insurance companies have long entered the life of every person, although not every one of us is aware that he can be the object of insurance. For example, insurance against accidents at work is taken for granted and no one is surprised.

The role of insurance in human life

The English word insurance comes from sure - "confidence". That is, foreigners understand such a service as an opportunity to be sure of something.

So, the insurance services market is growing, and the number of insurers is increasing - companies that are ready to take on the risks specified by the contract for a small compensation in the form of an insurance premium. And in the event of the occurrence of events specified in the contracts, the insurance company undertakes to compensate for the damage incurred within a certain amount.

This article will consider one of the brightest representatives of the big players in the market - AlfaStrakhovanie insurance company.

Positive rating

What could be more important for an insurance organization than confirmation of its financial stability, stability and reliability? Nothing, since this is, of course, the main guarantee that people will trust her with their personal lives, the he alth of their loved ones and their own property.

Since March 2015, the AlfaStrakhovanie insurance company has been in the “AA” position according to the Fitch Ratings rating agency. A similar level of reliability is confirmed by other surveys. In addition, six months ago, AlfaStrakhovanie insurance company passed the mandatory qualification, which confirmed the high quality level of ISO 9001-2011.

One feature of the company is that it makes a big bet on users using the Internet. On the website of the insurer, you can find the widest range of services provided with the possibility of automatic calculation of insurance premiums. Thanks to this, the company received several awards and promotions for the widest content of the site.

What services does

Insurance company "AlfaStrakhovanie" works with both individuals and legal entities, has a wide range of services. Not every organization can boast the same number of insurance products that are successfully implemented and have their own demand.

For private clients, AlfaStrakhovanie insurance company offers both property and personal insurance. In addition, there are opportunities to insure your liability to third parties.

It's also nice that there is a cumulativeinsurance that allows you to create a certain capital that you can use at your discretion.

A major player in the insurance market

Given that AlfaStrakhovanie, which has branches in all major cities of Russia, is a partner of such brands as Coca-Cola, Danone, Henkel, etc., we can conclude that that the largest manufacturers consider this insurance company reliable to protect legal entities from possible risks.

For companies and enterprises, there are services for insuring numerous transactions, production risks, etc. It is noteworthy that all products for legal entities have their own specific tariff scale, depending on the sector of the economy in which one or another enterprise.

Individuals

Given that the company has more than 20 years of experience, we can talk about a peculiar style of servicing individuals. How does it manifest itself?

One of the main requirements for employees working with clients is to always be in a good mood, smile and help choose the most suitable product for them. Thus, the company, relying on mutual cooperation, wins regular customers.

Let's look at the popular areas that this company is engaged in.

Drivers Liability Insurance

For many car owners, it was a shock when they passed a law establishing a mandatoryroad liability insurance. But, as expected, drivers have gradually become accustomed to such a norm, and now almost everyone wants to trust a reliable and adequate insurer.

For example, “AlfaStrakhovanie” OSAGO sells at a price of about 13,500 rubles for cars of 2013 with an engine power of 100 hp, if the vehicle will be used by an unlimited number of drivers.

You can calculate the approximate cost on the company's website. However, many clients are dissatisfied with the fact that the presented figures are calculated for the level of Moscow and the Moscow region. Because of this, the insurer's clients cannot quickly calculate and issue a policy remotely.

No distinguishing features from competing companies can be found: the risks are the same, there are no additional benefits (for example, some provide free evacuation from the scene of an accident or refueling on the road).

Despite this, in various popular ratings of AlfaStrakhovanie, OSAGO is always in the lead.

CASCO and car safety

If you want to insure your car, you need to conclude a CASCO agreement. Unlike OSAGO, the company undertakes to cover the damage caused to the car by third parties in the cases specified in the contract.

“AlfaStrakhovanie” CASCO offers its clients three levels:

• "50/50+";
• "business";
• "all inclusive".

These levels differ in the setrisks included in the contract. The first program can be chosen by those who have a long driving experience and are sure that nothing serious will happen to their car.

The last level includes almost all the risks that could be foreseen. If you want to feel financially secure in terms of a vehicle, then AlfaStrakhovanie CASCO All Inclusive has created just for you.

This differentiation of CASCO by levels helps to satisfy the demand of people with different financial status. To visualize the total cost of CASCO services, you can make a preliminary calculation on the website of AlfaStrakhovanie. Moscow is an expensive city, and insurance here also costs a lot. So, for a business class contract with an average set of options, you will have to pay more than 90,000 rubles.

It's not cheap, but paying that amount is better than constantly worrying that something might happen to the car. The company also insures against theft. If something like this happens, then the insurer is obliged to compensate for the damage.

There are good nuances

A pleasant moment that customers indicate in their reviews is that CASCO insurance in relation to vehicle parts works on the principle of “old to new”. This means that after the occurrence of an insured event, the wear and tear of parts will not be taken into account when calculating the damage, that is, the cost of equipment, mechanisms, parts will be equated to the price level for the same goods, only new ones.

It would seem that this is a trifle, but when drawing up an act of damage, every penny counts, because any automotive materials are now quite expensive.

For travelers

Travel companies are slowly becoming a thing of the past, as the Internet provides a lot of different information about the many resorts, leisure and entertainment options abroad.

A very cheap option to travel around Europe is to drive your own or rented car to the EU countries. But in order for such a plan to be implemented, it is necessary to have an insurance policy of the Green Card program.

Only 10 insurance companies in the Russian Federation, including IC AlfaStrakhovanie, have the opportunity to draw up such an agreement. Car registration address does not matter, drive around Europe without restrictions!

Compulsory he alth insurance

Today, legal entities must necessarily insure the risks associated with the he alth of employees. In this case, you can rely on AlfaStrakhovanie. MHI (compulsory he alth insurance) helps to provide financial support to the enterprise in case of illness of the working staff. After all, it is very important not only to put a tick for those who check that employees are insured, but to receive monetary compensation to finance the treatment of the victim.

What is good about such a product of AlfaStrakhovanie? Compulsory medical insurance is becoming a way to reduce the incidence of employees. Thanks to the experience of the companyclients are provided with the option to continuously analyze and monitor employee cases.

After that, programs to improve the he alth of employees are drawn up, following which, the employer will be able to improve the situation and gradually reduce the number of sick leaves in the personnel department.

Permanent customer loy alty programs

When you come to any AlfaStrakhovanie offices, you will immediately hear about various promotions and commercial offers. There are real opportunities to get discounts on services up to fifty percent or more.

For example, if you meet special driving conditions (“Very Smart CASCO” program), you can get a 55% discount on a business-level insurance policy. There are still a lot of such programs, and there is plenty to choose from.

Where are the company's offices?

As mentioned earlier, there are representatives of AlfaStrakhovanie in the largest cities. Yekaterinburg, Moscow, Rostov-on-Don, Kazan - wherever you live, you can find offices of this insurer everywhere.

This is very convenient, especially if you often go on business trips or like to travel, as you can always contact company representatives and get the necessary information.

So, in Moscow there are 8 offices of AlfaStrakhovanie. Yekaterinburg accommodated two offices of the organization: one is located on Akademika Bardin Street, and the other - on the street. Malysheva.

Does it seem like a little? It all depends on the population and its financial activity. For example, inPetersburg, there are also four AlfaStrakhovanie offices.

Given well-developed logistics, the exchange of information takes place in minutes, and customers do not stand in queues for days.

So, having considered all the information that was given above, we can say that this company deserves some attention, and you can start working with it without much fear.