"Renaissance Insurance", OSAGO: user reviews and opinions, conditions and procedures for insurance, tips

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

Russians prefer to take out compulsory insurance for a vehicle (OSAGO) with a reliable insurer. One of the popular companies with a good reputation is Renaissance Insurance. Since the purchase of an OSAGO policy is regulated by the legislation of the Russian Federation, car owners are interested not only in tariffs, but also in payments upon the occurrence of an insured event. Feedback on OSAGO in "Renaissance Insurance" allows you to judge the level of reliability of the insurer and evaluate the benefits for vehicle owners.

Company Details

"Renaissance Insurance" is one of the most important figures in the Russian insurance market. She was the first in Russia to start selling electronic CASCO policies. The first online policy was issued in 2014.

In 2018, Renaissance Insurance becomes the leader of the Russian Federation in terms of the number of direct products sold. Companyis a licensed insurance provider. Renaissance Insurance has over 60 types of licenses.

The company provides a full range of insurance services. In the field of auto insurance, the insurer offers OSAGO and CASCO services, including online registration. Electronic OSAGO insurance at Renaissance is popular: in 2018, every 5th policy was purchased via the Internet.

Conditions for purchasing an OSAGO policy

Customers of Renaissance insurance company can buy OSAGO online or in the office. For any of the options, you must submit documents and information about the vehicle.

If the insured has previously purchased a policy in "Renaissance", he can extend the contract. Conditions for regular customers are more favorable, as the insurer offers a discount for those who have already insured a vehicle with their company.

Those who, in addition to compulsory insurance, purchase a voluntary CASCO policy, are provided with a 15% discount. Vehicle owners can apply for CASCO via the Internet by selecting the necessary options.

Documents for purchasing a policy

Purchasing a policy, according to the Federal Law "On Compulsory Insurance of Civil Liability of Vehicle Owners" dated 2002-25-04 N 40-FZ, is mandatory for everyone who is driving. Insurance companies make demands on CMTPL buyers regarding documents.

Buy or renew an OSAGO policy at Renaissance Insurance, vehicle owners can upon presentation of the following documents.

1. Passports. Since the policy can be issued to several drivers at the same time, everyone should have one.
2. Driver's license. It is presented by all road users who are included in the policy.
3. Diagnostic card. It is mandatory for cars that are 3 years old or more. If the diagnostic card is expired, the insurer makes the decision to extend the OSAGO policy on an individual basis.
4. Car registration certificates. PTS or STS, as well as other types, depending on the brand of the vehicle.
5. Previous OSAGO policy (relevant when renewing the contract).
6. Statements.

Customer of "Renaissance Insurance" can fill out an application in the office or online.

Issuing a policy in the office and via the Internet: what's the difference?

Not all clients trust electronic policies, fearing possible problems when checking the document. According to feedback about OSAGO, in "Renaissance Insurance" electronic versions of documents are not inferior to insurance papers issued at the company's offices.

Clients should not be afraid to issue eOSAGO. The only difference between the policy and the classic version is the method of obtaining the document. The policy is issued only after online payment. The client can transfer funds for the purchase of the policy from a bank card.

Buying eOSAGO saves time: no need to wait in line at Renaissance Insurance offices. The site works around the clock, so the owner of the vehicle can do the paperwork at any time.

Tariffs for the purchase of OSAGO and an electronic document are the same. According to the reviews about OSAGO in "Renaissance Insurance", the insurer adheres to the tariffs established by law and does not overstate the price of purchasing a document.

Clearing OSAGO at a discount: how to get it?

Clients of "Renaissance Insurance" can issue a policy with a discount of up to 50%. The service is not an offer. To receive it, you must fulfill the conditions of the insurer.

Who can issue an OSAGO policy 2 times cheaper? Special conditions apply for drivers who do not violate traffic rules. When calculating the discount, the CBM correction factor - bonus-malus is used. It is established at the legislative level.

Bonus-malus allows you to buy CMTPL annually at 5% cheaper if the driver was not responsible for the accident last year. The KBM discount is cumulative. It "burns out" if the owner of the vehicle has not renewed the OSAGO for more than 1 year.

Renewal of OSAGO policy

According to paragraph 7 of the Directive of the Central Bank of the Russian Federation 4190-U dated 2016-14-11, customers must purchase eOSAGO no later than 3 days before the end of the previous policy. Otherwise, they cannot drive the vehicle.

When renewing, a copy of the policy is also sent to the buyer's e-mail. It should be printed and kept along with other mandatory driving documents. The absence of a printed version of the eOSAGO is the basis for an administrative pen alty in the form of a traffic police fine.

Customers can extend OSAGO at Renaissance Insurance within 30 minutes by sending an application on the insurer's website.

Offices "Renaissance Insurance" in Moscow

Customers of insurance companies who prefer to purchase products in person are not only interested in tariffs for services. They want to know Renaissance Insurance's addresses for OSAGO and buying other types of protection.

In Moscow, vehicle owners can contact the branches at the following addresses:

• emb. Derbenevskaya, 7, building 22;
• st. Gilyarovsky, 10, building 1;
• st. Bolshaya Serpukhovskaya, 14/13с1;
• st. Dubninskaya, 13;
• st. Zoological, 2;
• st. Alexandra Solzhenitsyn, 23A, building 4.

Schedule of the offices is presented on the website of the financial institution. For advice on the location of offices in other regions, customers can contact the insurer's hotline.

There are a lot of reviews on the Web about OSAGO in Renaissance Insurance in Moscow. More than 89% of buyers are satisfied with the work of branches and advise the insurer.

Where can I insure a vehicle in St. Petersburg?

In the northern capital, you can apply for OSAGO to the Renaissance Insurance offices at:

• Ave. Moscow,e.97a;
• sh. Pulkovskoe, 40, building 4a;
• Ave. Enlightenment, d.84, building 1;
• sh. Vyborgskoye, 13a;
• Ave. Komendantsky, 17, building 1.

In the branches of the organization, customers can not only issue or renew OSAGO, but also buy other products of the insurer.

Issuing a policy via the Internet: features

When buying a policy online, the responsibility for providing and entering data belongs to the vehicle owner. The electronic OSAGO policy in "Renaissance Insurance" allows you to receive insurance coverage within 30 minutes after filling out the application.

eOSAGO is issued to the client 24 hours after payment. After the policy is sent by e-mail, it will be activated no earlier than 72 hours after purchase.

The owner of a car can check the validity of eOSAGO on the website of the Russian Union of Motor Insurers. The test is free, the result is displayed online within 5 minutes.

Instructions for applying for a policy online

To apply for a policy online, the client must:

1. Select the region of residence from the list. If the territory in which the owner of the car is registered is not included in the number of areas presented, you can issue a policy only at the office of the insurance company.
2. Enter data. The full name of the owner of the vehicle, his age, address, information about the car is required. For a car, the brand, year of manufacture, power, number of owners, mileage are indicated.
3. Fill out paperwork aboutvehicle registration, driver's license and diagnostic card details.
4. Check the cost of the policy on the calculator. If everything is calculated correctly, confirm the operation and pay for the insurance.

Customer reviews of the insurance company

Before contacting an insurance company, customers carefully study reviews about it on the Internet. They allow you to evaluate the quality of the services provided, the level of service, compliance with the stated requirements. Since the purchase of an OSAGO policy is a demanded service in the insurance business, all car owners want to learn about the activities of the organization. Insurance companies are known for their good work ethic.

Customer reviews about OSAGO in "Renaissance Insurance" in 8 out of 10 cases are positive. What customers like:

• opportunity to buy a policy online;
• presence of several branches in the city. Most offices are located in the central part;
• understandable insurance conditions;
• compliance with government tariffs;
• responsiveness and competence of employees.

But in any large organization there are those who are dissatisfied with the work of the company or its employees. The presence of negative reviews allows you to really assess the disadvantages of the insurer in order to decide whether to buy OSAGO in the company.

Customers are not satisfied with the following:

1. Delays in applying for coverage. The refund period for car repairs can be up to 3 months.
2. You can apply for reimbursement only at a single officecities. This forces policyholders to wait in line for several hours.
3. Without providing documents, insurance payment will be denied. When receiving compensation, it is recommended to take not only the insurance policy number of the guilty person, but also the documents for the car, passport and information about your insurer. Without certificates, payments to customers are not made, even if they themselves purchased a policy from the company.
4. Damage assessment is carried out by an insurance company specialist. The opinion of the owners of the vehicle about the damage does not always coincide with the professional assessment of the employee. This causes dissatisfaction among customers who believe that the insurance company underpaid them for OSAGO.

There are no complaints about the quality of paid eOSAGO policies on the Web. They easily pass the check on the RSA website. The electronic copy fully complies with legal requirements.

Despite the presence of negative reviews, in general, the work of the company "Renaissance Insurance" is positively assessed by customers. The organization strives to offer modern options for purchasing insurance coverage and listens to the opinions of its customers.

Opinions of car owners about payments under OSAGO

One of the main points in the activities of the insurer, which is of interest to all customers, is payments as a result of an insured event. Since under OSAGO compensation is not due to the insured, but to the person injured as a result of an accident, the information is left by people who are not interested in the reputation of the insurer.

On OSAGO payments customer reviews about "RenaissanceInsurance" by 78% positive. The insurer always fulfills financial obligations if compensation is required as a result of an accident.

Some beneficiaries have complained about delayed payments. But they happen to every insurer due to the large volume of applications. According to the reviews about OSAGO in Renaissance Insurance, one can judge the reliability of the company. Payments were transferred to the account of the victims no later than 3 months from the date of application. About 5% of citizens received funds within 10 days of applying.

Not a single review on the Web is left without a comment from an employee of an insurance company. Specialists study the problem of each client. Based on the results of the check, a decision is made on a possible refund.

Customer orientation allowed Renaissance Insurance to win the trust of policyholders and enter the TOP-15 best insurers in Russia.

Terms of termination of the contract

According to the Instruction of the Bank of Russia dated November 20, 2015 No. 3854-U "On the minimum requirements for the conditions and procedure for the implementation of certain types of voluntary insurance", customers can refuse insurance during the "cooling off period". It is 14 days from the date of purchase of the policy.

According to the law, the buyer has the right to return the funds, even if this is not spelled out in the terms of the contract. It is possible to return the OSAGO policy from "Renaissance Insurance" during a personal visit with documents to the office of the insurer.

To return in Moscow, vehicle owners can contact the office at emb. Derbenevskaya, 7, building 22, and in St. Petersburg - at Moskovsky Ave., 97A.