Insurance company "Cardif": reviews, recommendations, hotline phone, addresses, work schedule, insurance conditions and insurance tariff rate

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

Reviews about the Cardiff insurance company will help potential clients of this company figure out whether it is worth contacting it for services, what level of service they can expect. Choosing an insurer is a responsible and important task that must be taken with all due attention, because your decision will depend on whether you can promptly receive payment in the event of an insured event or whether you will have to litigate for a long time, defending your rights.

About company

Reviews about the insurance company "Cardif" are very different. It is worth noting that this is a fairly powerful corporation, which is represented in 35 countries of the world, has about 35 thousand employees in its staff, in total, about one hundred million customers worldwide.

The company is headquartered in Paris, it is part of the financial conglomerate BNP Paribas, considered one of the leaders in financial and banking services in the world market, one of the six strongest banks on the planet.

On the territory of our country, the first representative offices of this company were opened in 1974. There are currently two banks of this group operating in Russia, which provide investment and corporate, retail banking, leasing and insurance services.

The company itself claims to be experts in he alth and casu alty insurance, but they are also involved in other forms of this business. Here they teach to develop a high degree of responsibility and corporate culture.

Work in Russia

The company is currently active on several continents, with strong positions not only in Europe but also in America and Asia. The official subsidiary was established in 2007. The very next year, the product portfolio and the number of partners increased significantly. In addition to credit insurance of borrowers, it became possible to arrange mortgage, consumer, car loans, budget protection, insurance of depositors and bank cards.

In 2012, the company entered the market with "Purchase Protection" and "Extended Warranty" products.

The company is actively developing a culture of partnership. One of the main advantages is the ability to offer unique products that can satisfy all the needs of any partners.

BCurrently, the company is managed by General Director Konstantin Kozlov, who is responsible for the development, implementation of the strategy, and management of all divisions in Russia. Elena Martynova manages the client and operational service, she is directly responsible for customer service, insurance operations, supervises all requests related to the occurrence of insured events.

Director of Human Resources Anna Smyslova. She is responsible for onboarding and hiring staff, employee loy alty, organization of the evaluation process, internal communication and corporate culture.

Personnel

Currently, the Russian office of the company employs about 120 employees who can count on professional development, gaining international experience in doing business. The company says one of its priorities is investing in people.

The existing internal corporate policy is aimed at developing social capital, which is achieved by strengthening ties between employees, including informal ones, while management cares about the well-being of employees. In this case, we are talking about social security, he alth, and a comfortable working environment.

Currently, the company has vacancies for a project coordinator, business analyst, project managers in the Office of Partners and Information Security, an expert in network security.

Types of insurance

CompanyThere are three main types of insurance: he alth, real estate and mortgage insurance.

LLC "Insurance Company Cardiff" provides three main life and he alth insurance programs. They are called "My baby", "Baby and me", "Parents are our everything".

Insurers note that not all parents have a real opportunity to constantly monitor and control their child. But by contacting them, they can be sure that they will receive reliable financial support and will be able to compensate for the costs of even expensive treatment. The use of this insurance becomes especially relevant during the school holidays, when most children get into trouble, being left unattended while the parents are busy at work.

Three types of insurance are established under this program, which provide for traumatic injuries, disability determination, and assistance with hospitalization. Each has standard and full rates. The minimum amount of insurance is 750 rubles for three months. For this money, you can count on a maximum of 100 thousand rubles for injuries, 500 thousand rubles for disability and hospitalization at the rate of 1,000 rubles per day.

Under the "Baby and I" program, both a child and an adult are immediately insured against an accident. The minimum cost of the policy is 999 rubles for one year.

As part of the "Parents - our everything" program, it is proposed to insure their fathers and mothers from any unforeseen life troubles. Minimum amount -999 rubles for one year.

LLC "Insurance Company Cardiff" offers mortgage insurance services. For example, a mortgage loan of up to one million rubles will cost 5,500 per year. In case of early repayment of a mortgage loan, as in other companies, it is possible to return insurance to the Cardiff insurance company.

You can insure your property under the Home Hearth program. You can do this with an apartment or house online. So you will be financially prepared for fires, utility breakdowns, thefts and other disasters. In the event of an insured event, they can even help with renting housing in the amount of up to 60 thousand rubles. In this case, you insure your home against lightning strikes, fire, gas explosions, aircraft crashes, water damage from sewer, water pressure, heating systems, as well as fire extinguishing systems, natural disasters and burglaries. Your civil liability will be insured for the same amount in case of damage by steam, water or other liquid substances, explosion of steam boilers, fire, gas, and other substances.

The main condition of the insurance is that the programs come into force on 31 days after payment. It is worth noting that these are only options for online insurance, in the office itself additional opportunities and programs will be available to you, moreover, for larger amounts. In this case, you will also be advised on the insurance tariff rate, which depends on the insurance period.

How to get there?

Address of the Cardiff insurance company: Moscow, Novodmitrovskaya street, 1. By public transport, the easiest way to get here is by metro, reaching the Dmitrovskaya station. If you decide to use your own car, then from the third ring turn onto Butyrskaya street.

In the immediate vicinity of the company's office there is the Apple Museum of Technology, the Flakon Design Factory, the Jewish Museum and Tolerance Center, Novoslobodsky Park, Maryina Roshcha district. Arriving at the address of the insurance company "Cardif", you will be able to solve any problems and disputes. The office is open Monday to Friday from 9 am to 6 pm, excluding weekends and all public holidays.

Insured event

All clients know well how to act in the event of an insured event in the insurance company "Cardif". The sequence of actions depends on what kind of insured event has occurred. In most of them, the first step is to contact the hotline of the Cardiff insurance company. This is what you need to do if you have a car breakdown, events have occurred under insurance programs for household appliances and personal electronic devices.

So, if your vehicle breaks down, you call the Cardiff insurance company to report what happened, and the operator will tell you the contacts of the nearest dealership.

If your car is stolen or otherwise covered by your insurance policy, you shouldcarefully read the list of documents to be submitted. It will be specified in your insurance contract. After that, the client fills out an application form to the insurance company "Cardif". Scanned copies of the application and all required documents are sent to the email address or feedback form.

Customer Experiences

Customers who actually worked with this company leave a variety of reviews about the Cardiff insurance company. Most of the negative is associated with the imposition of insurance when applying for a bank loan, usually for a car. As a rule, in such situations, bank employees refuse to approve a loan if the lender does not insure their life and he alth. In this case, Cardiff Insurance Company undertakes to repay his loan in case of illness, death or disability.

There is a practice in which the unused balance is returned when the loan is repaid early. However, customers of credit institutions in their reviews of the Cardiff insurance company note that this company does not fulfill these obligations. Even with early repayment of the loan, it is not possible to get back unused insurance money.

The company notes that in this case, the refusal of insurance in the insurance company "Cardif" cannot be applied. Based on the terms of the agreement, the client has the right to demand the return of his funds only within 5 days from the date of conclusion of the agreement. Subsequently, the agreement mayterminated only if the probability of occurrence of the insured event has disappeared. This is the provision of the Civil Code of the Russian Federation, which is guided by the insurance company LLC "SK Cardif". In this case, when insurance is associated with risks to life and he alth, early repayment of the loan cannot be the basis for a refund. In this case, the Cardif insurance company in Moscow advises not to refuse such an opportunity. And in the event of an insured event, apply for payments.

It is worth noting that most of the feedback, questions and problems that one has to face are just related to the desire to issue a waiver from the Cardiff insurance company. This happens when bank employees impose additional services, which is currently a common practice that is applied everywhere.

Online insurance opportunities

Cardiff is one of the companies that provide online or phone insurance services. At the same time, you do not need to personally come to the office, draw up additional documents and even send photos of the insured object. Many people are still wary of this type of insurance, doubting that in this case it will be possible to quickly receive payments in full, and some are convinced that they will not be able to receive them at all.

However, judging by the reviews, the company strictly fulfills its obligations, even if the insurance was issued remotely. For example, many are faced with the peculiarities of family insurance when they expect to receive a payment in the event of harm to he alth. In fact, this work is as streamlined as possible: if the application form and all necessary documents are sent on time, the required payment is provided in full in a few working days.

Disability

One of the most common insured events that clients have to deal with is temporary disability. At the same time, there are cases when insurance, as is usually the case, was imposed when applying for a car loan, but the company refuses to pay. In fact, it turns out that at the same time they remain within the framework of the law, without violating anything. Therefore, you should know in advance and be prepared for the fact that not in every case you can receive the payment you are counting on, even if, from your point of view, everything necessary has been met.

Let's explain this situation in more detail using a specific example. When applying for a car loan at a bank, the client is traditionally forced to take an insurance policy in case of illness or death. The contract states that you can count on the insurance premium in case of illness and temporary disability. When a client has a heart attack and is followed by an operation, there is a good chance they will be legally denied payment.

The fact is that under the terms of the standard insurance contract, which is concluded in this case, the disease is understood as a he alth disorder not caused by an accidentcase and diagnosed for the first time after the entry into force of this treaty. If the disease, due to which the heart attack occurred, was first diagnosed before the conclusion of the contract, then this event, unfortunately, is not considered an insured event. Such tricks are used today by most companies operating in this market. Thanks to them, it is possible to minimize the number of payments, so it is not so easy to get a real insurance payment.

Prompt response

Of the positive reviews that are found about this insurance company, most often there are impressions of how quickly and efficiently the employees of the insurance company worked with the client strictly observing all the conditions specified in the contract.

If the contract is read carefully, and then all requirements are met, then the money is reimbursed in full, insurance premiums are paid in case of insured events.

In general, if necessary, most of the issues related to the activities of this company can be quite successfully resolved remotely - by phone or via the Internet. The insurer has established a hotline, in addition, there is a special service for communicating with clients, which promptly responds to any requests. It is noteworthy that the client can receive an informative and detailed answer not only if he applied directly to the official website of the insurance company itself. Cardiff employees carefully monitor the most popular and visited resources, where users leavefeedback on the work of banks and insurance companies. As soon as an appeal appears in the relevant topic regarding the work of this insurance company, a full and detailed answer immediately appears. As a rule, this happens the very next day after the application. If the request contains incomplete information, the amount of data provided does not allow to understand the problem on the spot, then the user is asked to clarify the information in order to help him understand the issue, find the best solution.

After reviewing the reviews about Cardif, one can conclude that the main product it deals with is imposed insurance policies at VTB and Post Bank when applying for loans. Almost all reviews are related to this topic in one way or another. At the same time, there is simply no information on how the company works on other products that it offers.