JSC "Tinkoff Insurance" - CASCO: reviews, terms of registration, calculator

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

Property insurance in modern life is a necessary thing. Now you can insure everything - life, real estate, cars, a smile and even a toy. There are also a huge number of companies that are engaged in this type of financial activity. But experts advise contacting large ones - they have fewer problems with payments, they close less often and are easier to contact in controversial situations. One of them is Tinkoff Insurance - JSC (joint stock company), which specializes in vehicle, real estate, he alth insurance and the issuance of insurance necessary for traveling abroad (without such insurance, you simply will not be given a visa). In the article we will tell you what the company is, the features of insurance in it and the innovations in the list of services.

About company

Initially, Tinkoff was founded as a bank in 2006 by Oleg Tinkov. Nowthe organization is engaged in a huge number of financial transactions (deposits, loans, payments and transfers, investments), issuance of debit and credit bank cards. At the moment, Tinkoff Bank is one of the largest companies in the Russian bank card issuing market.

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

Insurance

"Tinkoff Insurance" is a JSC (joint stock company), which has been specializing in insurance types of services since 1993. Since 2013, it has been owned by Tinkoff and is also headed by Oleg Tinkov. The entire load falls on the site, since all insurance policies are issued via the Internet, since the company does not have retail offices. At the same time, the resource is clear, pleasing to the eye in terms of color and not overloaded with texts: everything is short and to the point, and if you need to know more, you just need to open the appropriate link, which is easy to find. The company has been assigned a high level of reliability and a stable rating. It is successfully developingadvertised and constantly expanding the list of clients.

List of services

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

• Insurance when traveling abroad (without such insurance, visas are not issued, to obtain a document you need a passport of a citizen of the Russian Federation, a medical policy, and it is also important to know the direction of travel and the period for which you are going to go).
• Real estate insurance (you can insure an apartment, a house, additional buildings in the form of a garage, utility rooms, etc., a room that is rented, interior decoration, engineering equipment, movable property) against fire, flooding, natural disasters, unlawful interference by third parties.

• He alth insurance against accidents in transport, animal bites, injuries during professional or extreme sports, unforeseen events and in case of urgent hospitalization in a medical facility.
• Insurance of vehicles (issuance of OSAGO, CASCO policies). This species will be discussed below.

OSAGO

Now, for inexpensive used cars, people often draw up only an OSAGO policy, since its registration is mandatory under the law of the Russian Federation. Tinkoff Insurance has such a service. Since OSAGO, according to general rules, protects only in case of an accident, you can issue OSAGO + CASCO. It will be more expensive, but there are discounts for this combination of insurance programs, and the reliability will be higher.

CASCO

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

Firstly, it protects against fire, explosion or lightning and natural disasters (flooding, hurricane, earthquake, etc.). Secondly, the Tinkoff Insurance CASCO policy, reviews of which are generally positive (we will discuss this 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 (out of wild or domestic animals on the roadway, for example).

Although the conditions of insurance say that you can receive compensation payments even in case of guilt. But it is better to check with the insurer about this, since cases are individual. Thirdly, the policy protects your luggage and pets that you carry in the car. Fourthly, you are insured against falling any objects on the car. The most important thing is protection against theft (theft) during CASCO. If your car was stolen by third parties, you can definitely get monetary compensation. Also, CASCO for a car compensates for the costs of technical assistance (tow trucks), legal advice and taxis 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 cost" on the main page. A window will open in which you will sequentially need to select the region where the car is used, the year of manufacture, make, model, type of transmission (gearbox) and the approximate cost of the car today, in your opinion. Next, you need to fill in the section with data about the driver: driving experience, age and contact details (name, phone number 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 issuing an insurance policy and concluding a contract can be found in the rules that are on the site. Here are the main points.

To apply for a policy, you must provide the following documents:

• Passport of a citizen of the Russian Federation or constituent documents, if insurance is issued by a legal entity.
• Documents for the car (certificate of registration with the MREO traffic police, TCP, power of attorney, if any, gift agreement, etc.).
• Driver's license.
• Document confirming the cost of the car (contracts, receipts).
• Current or expired insurance contract.
• Statement according to the model.

The term of insurance is set in the contract. It also stipulates all sums insured, which 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 notifies the policyholder of this by telephone. If occurany changes in the parameters specified in the contract, the car owner is obliged to notify the insurer about this within a month.

Features of insurance in Tinkoff

• The first important feature of insurance in this company is the issuance of a policy through an online service. You don’t need to go anywhere, you just go online, open the website, calculate how much the policy will cost, or immediately issue it by entering all the necessary data and paying from a bank card of any bank.
• The second feature is the delivery of the policy to a convenient address and at a convenient time. You just need to agree with the courier and find out how much the delivery costs. Sometimes they deliver for free.

• Third - the possibility of monthly payment. That is, you can pay CASCO for a year immediately or fix the payment in the contract once a month, then the amount specified in the contract will be debited from your card regularly. This is convenient, since you can stop the payment and, accordingly, the validity of the policy at any time by going to your personal account on the site and clicking "stop".
• Fourth - you can get a detailed calculation of the cost of the policy you want to purchase without leaving your home.

Additional services

When you receive a Tinkoff Insurance CASCO policy, reviews of which will be presented below, you can further use additional free services, which include:

• tow truck that will deliver the damagedcar from the scene of the accident to the service station;
• departure of the insurance agent upon the occurrence of an insured event (in case of an accident, he can help draw up a European protocol so as not to wait for the traffic police when the damage to the car is minor);
• delivery policy as mentioned above.

When an insured event occurs

When an insured event occurs, you must inform the insurer about it within 1 day. The deadline for submission of documents is 14 calendar days from the date of the incident. After this period, the insurance company has the full legal right to refuse to pay any money, and even through the courts you will not always be able to get a reverse decision. If the reason for the delay in notification was valid, then by providing a document confirming this (sick leave, 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:

• car owner's passport;
• PTS;
• driver's license;
• certificate of vehicle registration;
• protocol confirming the fact of an accident, theft, damage to the car by third parties or fallen objects, collision with an animal, and so on, certified by the traffic police;
• if the car is damaged or lost due to a natural disaster, you need a certificate from the authority dealing with this problem, for example, the Ministry of Emergency Situations;
• conclusion from the service station, certified by an expert, in which all the details and elements of the machine are registered,to be replaced or repaired, as well as the materials necessary for this, and the cost of all of the above (if the repair has already been paid, then all documents are provided that confirm the fact of payment, for example, checks, contracts).

The insurer has the right to conduct an examination of the damage to the car in order to assess the damage and the amount needed for restoration. In some cases, compensation is paid without certificates, you can learn more about this in the insurance rules on the Tinkoff Insurance CASCO website. Reviews about the service can be read there. It must be remembered that cheap CASCO protects against a much smaller number of insured events, so you need to carefully read the contract.

Advantages of insurance at Tinkoff

• No need to queue at the branch of the insurance company.
• It usually takes about 3 days to settle an insured event.
• You can pay for CASCO by months.
• Possibility to calculate 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 via WhatsApp.
• Delivery of the policy to the right place and time.
• Free extras (see above).
• Favorable registration under the OSAGO+CASCO program.

Reviews about the company

Before buying something or using any service, many people look for information on the Internet. So we looked and found out what about TinkoffInsurance CASCO reviews. For the most part, these are positive assessments of residents of cities where auto insurance operates. Minuses are noted in periodic site failures, there are misunderstandings during registration and subsequent problems, and as a result - negative reviews.

The "Tinkoff" application, which is available for download in virtual stores, is also highly rated (average rating - 4, 8). Negative reviews are mainly related to app crashes, some lacking functionality.

How to contact the company

To get additional information, ask questions or complain about malfunctions, please call the "hotline": 8-800-500-47-28. Also on the site there is a "Feedback" button, through which you can send your question, leaving your contact details to receive a personal answer. Before asking a question, please read the Q&A section as there may be an explanation of your problem.

There are also groups on social networks "VKontakte", Facebook, Instagram, Twitter and a channel on YouTube video hosting. All of them have the name "Tinkoff Insurance". Head office address: 125212, Moscow, Leningradskoye shosse, 39A, building 1. The location of the branches is also widely available, like all other details of the company.