"MSK" (insurance company): OSAGO, CASCO, branches, offices, official website, addresses, phone numbers and reviews about the company

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

MSK is an insurance company that provides services to citizens. This article talks about vehicle liability.

Term concept

Insurance is a special type of financial relationship for the purpose of creating and using cash savings, which serve to compensate for damage in the event of various kinds of dangers and are paid to individuals or legal entities.

In the narrow sense, these are relations between two parties aimed at protecting the insured person or his property at the expense of the funds that were formed from the paid insurance premiums.

In a broad sense - includes activities that later formed this material protection.

The legal acts on the basis of which these relations operate are the Civil Code of the Russian Federation (Part Two, Chapter 48) and the Federal Law "On the Organization of Insurance Business", which describe the detailed aspects of this term. Based on this Federal Law, one can understand the following: insurance isthe relationship of two counterparties, in which the payment of the amounts specified in the agreement by one or another party.

Parties and their obligations

There are usually two participants in these relationships. The first party is the insurer (the organization can be private, joint-stock and state). The second is individuals and legal entities.

Obligations of the insurer:

1) Compensates the other party for damages when the right opportunity arises (natural disasters).

2) Introduces individuals and legal entities with the rules and nuances that are associated with this topic.

3) In addition to the indemnified damage caused by the insured event, it compensates for other expenses.

4) Does not disclose information that he learned about the second party to the contract (these include the state of he alth, property status and much more).

5) Upon written notice, the policyholder may replace the beneficiary with a completely different person.

6) In case of early termination of the contract, warns the other party in advance.

Obligations of the policyholder:

1) Pays dues on time.

2) Reports the circumstances known to him that are of great importance for determining the cause of the insured event.

3) At the conclusion of the contract, this party continues to take care of the safety of property.

4) Immediately notify the insurer of changes in circumstances upon conclusion of the contract.

5) Notifies the other party as soon as possibleabout an accident.

6) Provides the insurer with the right to subrogate (change the creditor in the insurance obligation).

7) In case of early termination of the contract, notifies the other party of its intention.

MSK - insurance company

Open Joint Stock Company, called "Moscow Insurance Company" (abbreviated as JSC "MSK") was formed with the participation of the Government of Moscow in early 1998. Since mid-2007, Capital Insurance Group OJSC has been considered the main shareholder of this company. Control over it is exercised not only by the Government of Moscow, but also by the banks of the capital.

MSK (insurance company) has an authorized capital, which is more than 3.5 billion rubles. She also has a license that allows her to work on 23 types of insurance, which are aimed at any interests of applying citizens. The reliability and quality of work is confirmed by the international rating agency Fitch Rating. MSK (insurance company) is financially stable both nationally and internationally.

It is also part of the association of several organizations, such as the All-Russian Union (VSS), the Moscow Association (MAS), the Aviation and Space Corporation (RAAiKS), RSA and many others.

Financial integrity of an insurance company

This company's profit growth rate is increasing every year, exceeding the market average according to 2007 data. The total cost of insurance premiums reaches 5.8 billion rubles. The presence of own funds in the company, as well as money received from protection from the international and Russian markets, make it possible to perform services of varying complexity. At the same time, this firm guarantees the quality and fulfillment of its obligations.

In terms of social orientation, the programs of the IIC (insurance company) meet all modern requirements: they insure life, he alth, property, as well as the responsibility of citizens.

To increase the number of consumers who use the services of the agency, new branches of the IIC (insurance company) are being opened. Branches of this company are located in more than 170 cities of the Russian Federation. In total, this insurance company has approximately 120 agencies and 55 small branches.

Positive aspects of the organization

The advantage in the field of action of this company was noted by large regional and metropolitan organizations and enterprises. Their category includes the Moscow United Energy Company (MOEK), the Segezha Pulp and Paper Mill (STsBK). The Novosibirsk Metallurgical Plant (NMZ), Mosvodokanal, and many other firms and enterprises also speak positively about this organization.

This company is the main agent of the Moscow Government for property insurance, which is owned by the state, various residential premises, franchises of employees in the sphere of municipal and state bodies.

In addition to the Government, this company has another permanent counterparty - "BankMoscow". In this area, the company must fulfill its obligations under the mortgage lending program, collateral, car loans. It also cooperates with other Russian banks: Rosselkhozbank, Gazprombank, VTB-24, Alfa and many others.

Negative moments in the activities of the insurance company

In addition to the pros, this company also has cons:

• mostly citizens leave negative feedback about the insurance company MSK;
• in some branches of the company there are employees who are rude and obscene to all their customers;
• many citizens are dissatisfied with the fact that their issues, mainly related to traffic accidents, are resolved for several months;
• there are many lawsuits against MSC;
• OSAGO insurance company does not always calculate correctly, various shortcomings associated with this problem were noticed;
• the cost of CASCO is also calculated incorrectly, driving experience is not taken into account;
• and this is just a small part.

Overseas property insurance

In foreign countries, insurance of buildings and vehicles has long been a very common practice. She gives the opportunitycompensate for damage caused by unforeseen circumstances. However, the foreign insurance system has its own characteristics.

So, it should be borne in mind that the value of real estate that has been or will be acquired is practically decisive. Naturally, the larger this amount, the more expensive the insurance policy will be. It takes into account whether the property serves as the main residence, or is it not the only residence. Thus, if any possible risks appear, the MSK insurance company phone will help you find out. Everything is done in advance, as this firm respects its customers and their choice.

The cost of the policy is also influenced by the so-called insurance history of the territory where the acquired property is located. The fact is that if natural disasters have already fallen on this site more than once, then the company may well increase the amount of insurance payments. The place where the object is located is also taken into account.

Differences between organizations located in Russia and other countries

In each country, insurance policies have, in addition to standard, additional items. For example, in France, the most popular are contracts that insure homeowners when renting it out. In England, it will be possible to insure against damage to property that occurred due to the explosion of a steam boiler, a gas storage facility, a malfunction in the sewerage or heating system, and even the fall of any air-manned device. And in Germany, the franchise of civilliability, which is designed to compensate for damage caused to another person or someone else's property. In the Czech Republic, you can get insurance that will compensate for damage in case of damage to the landscape from nature. In the United States, in turn, title insurance is very popular, which provides for compensation for possible damage in the event of loss of ownership of real estate.

If we take, for example, a Russian company such as MSK (insurance company), the official website will confirm that it has no special features.

Minimum term for OSAGO

Many car owners understand that it is forbidden to drive on the roads without compulsory motor third party liability insurance. It is because of this that citizens enter into contracts with different companies. According to the legislation that is in force on the territory of the Russian Federation, the minimum term of OSAGO can be changed in three categories.

The first option is for owners whose vehicle has passed state registration outside of Russia. For such citizens, the minimum period is from 5 to 15 days.

The second option is for people who are going to the place of registration or for a technical inspection of the car. The minimum term is 20 days.

The third option is the most common. The contract is concluded if you have registered with the traffic police. The minimum term cannot be less than 3 months.

In the event that you decide to insure your car for one quarter (season),the cost of the policy will be 30% of the annual amount. Typically, these types of OSAGO policies are issued by car owners who do not use the car year-round.

Brief information about CASCO

This type of insurance is considered to be voluntary. If you have a CASCO policy, a citizen can receive monetary compensation for stealing a vehicle or causing harm to the he alth of the driver and passengers. The final calculation will be provided by the organization you applied to. For example, if you decide to conclude a contract and receive a policy, select a company, such as MSK (insurance company). Addresses of branches in your city can be found via the Internet.

When calculating CASCO, the following parameters are usually taken into account:

• car brand;
• year of manufacture of the car (usually only new vehicles are insured);
• driver age (usually more expensive for older people);
• drive experience (beginners pay more than experienced drivers);
• the presence of a franchise (using it, the policy will cost less);
• maintenance of the car in a guarded parking lot (in this case, the fee will be less);
• the presence of an anti-theft alarm system;
• Region where the vehicle will be used.

MSK (insurance company), official website and everything connected with it

You can find a lot of different information about a particular firm or enterprise. At the same time, you can find portals that speak negatively about organizations. Information is considered reliablewhich is published on the official website. So, if you decide to find information about an organization, such as, for example, the MSC insurance company, reviews and other data about it are not a secret.

Using the official website of this organization, you can calculate online what the approximate cost of a CASCO and OSAGO policy will be. To do this, enter the required data in certain fields (make, year of manufacture, age and experience of the driver). When calculating online, you can make a choice in the direction of a particular insurance company. On Internet resources, you can see positive and negative reviews of citizens who have previously applied to this or that organization to receive the payments they are en titled to.