Reviews about the insurance company "VSK". Rating of the insurance company "VSK"

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

Many residents of Russia, who first found themselves in an emergency situation, are wondering if it is possible to trust the promises of organizations that provide insurance services to the population. The VSK company does not occupy the last positions in the rating of insurers, however, disputes over the advisability of contacting one of its representative offices do not subside.

Main 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 market?
2. Is the organization reliable enough?
3. What rating (based on data from rating agencies and public opinion) does the insurer have?

Decision making can also be influenced by the following factors:

- cost of company services;

- location of branch or office;

- recommendations from friendsand relatives.

History of formation and development of the organization

Open Joint-Stock Insurance Company, known as VSK insurance company, has been offering services to the population and representatives of Russian business since February 1992.

The activity of the organization is universal. The license obtained by the company allows its employees to insure legal entities and private clients for 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%). The insurance company includes such legal entities as VSK-Mercy LLC and VSK-Med LLC.

In 2012 SOJSC "VSK" overcame the 20-year milestone. According to the evaluation 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 on the Russian market.

The organization currently operates under two trademarks:

1. All-Russian Insurance Company.

2. VSK Insurance House.

Regional network of the All-Russian Insurance Company

During the time that has passed since the formation of the organization, a lot has been done. 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? The addresses of the organization's representative offices 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).

List of insurance company services

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 demanded is insurance:

• from accidents and diseases;
• property (excluding transport);
• for medical reasons;
• various vehicles (land, sea and air);
• passengers and cargo;
• civil liability of individuals as well as organizations;
• crops and animals;
• financial and business risks.

Key Benefits

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

The presence of a huge number of regional offices, which enables the organization's employees 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

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 an organization going bankrupt is minimized

Objectivity in assessing the company's performance

Specialists believe that popular reviews of 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 read inattentivelyconditions of insurance contracts at the time of signing the documentation.

Popular reviews are very subjective as 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 poor performance by a particular manager, then a negative review about 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 quite 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":

An insurance company (insurance house) completes 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 in "VSK" (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 at VSK under OSAGO are convinced that the calculation of insurance compensation in the event of any insured event is done in a timely and correct manner. The amount paid is enough to repair the damaged car

Negative feedback 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 for he alth insurance due to the fact that this program is already allegedlystopped working. At the same time, the 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 showed that reviews about the company "VSK" are closely related to the assessment of the work of the institution's staff. 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 occur:

VSK employees refuse to insure vehicles manufactured before 2005, arguing that they are not en titled to payment for such transactions

Documents provided by clients to the offices of the insurance company are very often lost. Accident victims are forced to collect the package of papers again

The hot line 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, employees of the companytighten the conditions for accepting an application and expand the list of documents provided

When an insured event occurs, 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 of VSK personnel with clients often takes place in a rude manner. Employees of the institution can easily close the office for a technical break without warning visitors waiting in line

Individuals are often unhappy that the company's offices dealing with the settlement of situations and compensation for 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 staff of the organization the level of earnings that was promised to them during the interview. The salary of VSK employees consists of a small salary and a bonus for the implementation of the completed plan.

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

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

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

CASCO is one of the most demanded insurance products

Many car enthusiasts are also interested in the services provided with 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 to the 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 close relatives of the applicant in the current policy without any additional fee. The only condition is that the number of insured events involving these people will be limited.

Using the insurance calculatorCASCO, developed by VSK, 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 highlights several positive points.

1. The company makes it possible to insure a car purchased with a loan.

2. Insurance services can be provided for less than 1 year.

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

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

5. When inspecting vehicles damaged in 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.

He alth insurance programs

Reviews about the insurance company "VSK" in half of the cases are related to the quality of medical insurance. Numerous voluntary medical insurance programs are available to clients of the institution.

In VSK offices you can choose:

• volume of necessary medical services;
• advising doctor;
• the right clinic.

Qualified assistance will be provided to VSK customers without queues at any time of the day. In case of illness, all unforeseen expenses will be covered by the insurance company. VHI policy holders will be insured against unnecessary expenses associated with the prescriptions of outpatient centers that prescribe excessive examinations.

He alth insurance programs from SOJSC "VSK" are carefully controlled, which fully allows you to protect the interests of the company's customers. VHI policy holders are under the protection of the insurance company both on the territory of our country and outside the Russian Federation.

Property insurance programs

Employees of the organization have developed a package of services to protect the property interests of Russian citizens. VSK insurance company (office addresses can be found on the official website) will minimize the damage caused to your property as a result of fires and natural disasters, as well as in the event of utility accidents (breakthroughs in water supply systems, ignition of common electrical wiring).

The cost of insurance services will depend on conditions such as:

• list of risks specified in the policy;
• life of insurance;
• value of property.

The indicated directions are far from all that can please theircustomers of this insurance company. VSK provides title insurance, protection of individuals on foreign trips, and provides many other types of insurance services. A fairly high rating of the VSK insurance company allows us to conclude that you will not regret using the services of this insurer. Your choice will pay off in full, because good he alth, saved nerves and money are a lot!