RGS: reviews. Insurance company "Rosgosstrakh": rating, addresses

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

Practically every modern person thought about how to provide himself and his loved ones with normal life insurance, pensions and other equally important things, and at the same time, quite often people turn their attention to the RGS company. Feedback on the activities of this organization is contradictory, despite the fact that it has been working in this area for quite a long time and at the same time is the largest Russian insurance company today.

In this article, we will look at what insurance options are offered by this insurance company and what exactly customers think about each of them. We will proceed from the fact that reviews about the company RGS are the most important and reliable source of information.

Life insurance

Depending on how funds are saved, classic life insurance is divided into two varieties: cumulative and risky. At the same time, it is worth noting the fact that the normative definition of these concepts is extremely conditional and is based on the established practice of using these terms.

Risky

Risk life insurance presentsis the financial protection of the family of the insured person in the event that a person dies under certain circumstances, and this is clearly stated in the contract of the RGS company. Reviews about this service are quite controversial, as many people either did not receive payments at all, or received them after rather lengthy proceedings, which is also far from the most pleasant moment.

In such contracts, if necessary, insurance against any diseases or accidents, disability, the occurrence of fatal diseases can also be additionally included. In this case, there will not be any excessive savings, because all the money paid to the client ultimately goes to cover these risks, as well as to all kinds of expenses on the part of the insurance company. At the same time, no less important is the fact that in this case any payments after the expiration of the insurance period through the CSG are completely excluded. Reviews are often left by people who tried to receive their funds exactly at the end of the term, despite the fact that this is not provided for by this type of insurance at all.

According to the employees of the IC, the most common option today remains urgent insurance in the event of the death of the insured person.

Cumulative

Cumulative insurance provides for the gradual formation of savings, and it is worth noting the fact that it includes a risk component on an ongoing basis, which providespayment of the specified amount of funds in the event of death or any other cases provided for in the drawn up agreement.

Today, the most common option is the so-called mixed life insurance, when in the event of the death of the insured person or at the end of the term (if the insured survives to this point), in accordance with the contract, the specified amount is paid by Rosgosstrakh. Offices in Moscow and other cities most often offer just such agreements. This type of insurance, judging by the reviews, has been popular since the times of the USSR, but it is worth mentioning that at that time it also provided for compulsory insurance against any accidents.

Features

This type of insurance is characterized by the following features:

• quite a long period, which allows you to gradually build up an impressive amount of savings in accordance with the contract, despite the fact that the contributions are relatively small;
• guaranteed accrual of a certain return on invested savings in accordance with the contract, and in certain cases additional investment income may be provided.

Due to these features, the insurance reserves for this contract will constantly increase throughout the term. Experts say that if the contract is terminated on an ongoing basis, a person has the opportunity to receive good money as a redemption amount - just come to the CSG. The departments providepayouts regardless of location.

It is worth noting the fact that endowment insurance includes any agreements that provide for payments for survival, including also various pension insurance agreements. But at the same time, lawyers advise paying attention to the fact that life-long death insurance itself is also considered to be cumulative, although it does not provide for the inclusion in the contract of the case of surviving to a certain period. Reserves, in accordance with such a document, will constantly grow throughout the entire insurance period, and they will reach their maximum only at its end.

Timing

As for term classification, there are short-term and long-term insurance.

In fact, there are no clear boundaries for this division, but the situation is somewhat different in the contracts of the Rosgosstrakh company.

Offices in Moscow are almost on every street, but no matter which one you turn to, they will tell you that short-term policies are policies that are issued for one year, but in fact often it happens that life insurance for three or even five years is also called short-term. This is necessary in order to separate them from other types of agreements that are concluded for several decades.

The accumulative option itself is long-term, regardless of the features of the policy. At the same time, risk insurance in the vast majority of cases is short-term, but in practice there are often suchsituations when it is issued in case of death for 10-15 or even 25-30 years.

Voluntary pension insurance

In the CSG, insurance of this type is a program with accumulation, with the help of which a person can completely independently form a future pension for himself.

Such programs are part of the pension systems in most countries of the modern world, providing an opportunity for the citizens themselves to provide for their old age. At the same time, it is worth noting the fact that such systems no longer depend on the financial capabilities of the state, but directly on the capabilities and desires of the citizen himself.

SC employees say that there are several options for how funds can be issued when applying for pension insurance:

• one-time payment after a person reaches retirement age;
• life allowance;
• lifetime pension with a guaranteed payment period.

The last option has one peculiarity. If a person dies before the end of the specified period, then the payment of the amount continues in favor of his heirs until the time specified in the policy expires.

It is worth noting the fact that in the CSG this type of insurance can have a very different cost, and it depends directly on a number of factors. In particular, the price is determined by the age of the person, his gender, the period of accumulation of the pension, the planned size of the contribution, the chosen format of payments and the proceduremaking contributions. At the same time, the client independently determines the amount of the received amounts, the retirement age and the frequency of making insurance premiums.

What you need to know?

If, for one reason or another, a person dies before reaching the agreed age, all contributions that were paid to the company by him, including the accumulated capital, will eventually be returned to his heirs.

Not everyone pays attention to the fact that CSG payments include certain adjustment factors that allow you to protect your capital in case of inflation. Agree, this is quite important for our country, given the rather unstable economy.

Your pension contract, if necessary, can be reviewed depending on certain life situations. Thus (and clients confirm this information), if desired, you can change the amount of the payment or the age after which they begin to be implemented. Among other things, you can make additional contributions, which is also important.

It often happens that a pension policy is a standard combination of risk insurance and an investment deposit. That is, a certain part of the contributions is directed to cover risks, while the other part becomes a kind of investment. Thus, if the insured person dies or becomes disabled, the company pays the full amount to his heirs.

Here it is worth saying that the minimum possible percentage of savings in accordance with such an agreement canbe 4% per annum, and in the CSG the policy may provide for even a larger amount of funds. However, we note that the reviews often mention the possibility of receiving money only in accordance with the minimum rate, which is very upsetting for current and potential customers.

CASCO

Judging by the reviews, today CASCO insurance policies are in great demand in Russia, as the economic situation gradually stabilizes more and more, while banks massively provide loans to citizens for the purchase of cars, but at the same time oblige borrowers it is mandatory to draw up the mentioned agreements.

Some mistakenly believe that this term stands for "comprehensive auto insurance other than liability", but in reality it is not at all. This concept has migrated to us from European practice and is an international legal term that describes the procedure for obtaining the protection of any vehicles, including water or air.

Despite the fact that CASCO initially provides only vehicle insurance against all kinds of damage or theft, it is possible to protect a variety of additional equipment, as well as the he alth and life of both the driver and passengers.

What affects the price?

Specialists note that the most crucial moment in the process of issuing a policy is the choice of the optimal insurance option. Thus, there are several main factors, according toby which RGS ("Rosgosstrakh") sets the price for the issued policy:

• The selected option. Today it is possible to issue a partial or full policy. Full insurance covers theft or damage, while partial includes only the latter type of risk.
• Availability, as well as the size of the franchise. The cost of the policy decreases depending on how big the deductible is.
• Sum insured. It can be aggregate or non-aggregate (irreducible). The option of using the first one ultimately leads to the fact that with each subsequent payment, insurance savings decrease. This means that such a policy will be much cheaper than a non-aggregate one.
• Indemnification. There are several options, ranging from repair in a particular workshop to just a cash payment. In the vast majority of cases, the CGS product (OSAGO or CASCO) provides for repairs at the insurer's service station. In addition, many stop at this option, because it has the most affordable cost. In any other case, you will need to pay more for the policy.
• The procedure for calculating payments. Money can be transferred with or without depreciation. Do you prefer the second option? Then be prepared for the fact that the cost of insurance will increase markedly. This is confirmed by many people in their reviews of the CWG.
• Experience and age of the driver. The cost of the policy directly depends on how experienced the owner of the car is and how old he is.

BRecently, people do not so often draw up CASCO in the CGS. The rating of this company is gradually declining, and this is largely due to the fact that there are now a lot of negative reviews on the network regarding the lack of payments.

The organization itself offers fairly affordable conditions for a standard policy, including such programs as "KASKO Economy" and "Elementary KASKO". Also, if a person did not get into any accidents, but at the same time decided to re-register the policy here, the RGS insurance company provides him with a certain discount.

What should I pay attention to?

Given that quite a lot of reviews contain information about non-payments by this company, lawyers recommend that you initially familiarize yourself with the terms of insurance as thoroughly as possible before drawing up a contract if you contact the CSG. Branches offer the same policies, but the calculated cost should not be a decisive factor for you. You should study all the points of the document in as much detail as possible, discuss all the nuances and determine the opportunities that you can use in the future.

First of all, pay attention to the conditions of car storage at night. This item periodically appears and disappears from the policy, but if it is still present, you should immediately understand that not all car parks have an official protected status and provide supporting documents to their customers.

In the contract that you are going to conclude with the CSG (branches often offer the sameagreements), such concepts as “hijacking”, “damage”, “theft”, as well as “total loss of the car” should be clearly marked, and they should not just be mentioned, but disclosed in detail. Experienced drivers emphasize: if you do not insist on this point, in the end, in the event of a dispute, you may be denied appropriate compensation for damage.

The section "Obligations of the parties" regulates the relationship between the client and the company as clearly as possible. In particular, it says in what specific terms a person must notify the company regarding an insured event that has arisen. It often happens that failure to comply with the requirements specified in this agreement leads to a denial of payments.

Addresses in Moscow

Company RGS (Moscow) allows you to contact the branches at the following addresses:

• Kyiv, 7;
• Krasnaya Presnya, 38;
• Myasnitskaya, 43;
• Leninsky prospect, 23;
• Novoslobodskaya, 31;
• Leningradsky prospect, 33.

Regardless of which address you decide to contact the RGS branch (Moscow is a metropolis, so there are many branches of the UK), you will be provided with exactly the same conditions for cooperation. That is why you can always go directly to the nearest office.

Addresses in St. Petersburg

There are branches of the insurance company we are considering in almost every major city. It is quite natural that in St. Petersburg you can also find a fairly large numberRGS offices. The addresses are as follows:

• Kuibysheva, 23;
• Tambovskaya, 33;
• Cash, 40;
• 1st Krasnoarmeiskaya, 13;
• Tchaikovsky, 8;
• Industrial Avenue, 25.

As in the previous case, all customers are offered exactly the same conditions. And this in no way depends on which branch they want to use the services of the RGS company through. We provide addresses solely so that each person can choose the most suitable branch for him and issue the policy of interest to him.

Instead of a conclusion

Thus, if desired, today everyone can take out insurance, regardless of their place of residence (in Russia) or their own age. At the moment, the offices of the company we are considering are present in almost every major city, and in large numbers, sufficient for each person to get to the representative office in the most convenient way to apply for an insurance policy.