"Renaissance Insurance": Casco reviews. insurance company rating

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

"Renaissance" is a large universal Russian company belonging to the category of backbone insurance companies. Its full name is Renaissance Insurance Group LLC. The headquarters of the institution is located in Moscow. The company's assets amount to more than fourteen billion rubles.

Reviews on Casco in "Renaissance Insurance" will be considered in this article.

About company rating

In our country, the financial reliability of insurance companies is checked every year by the RAEX rating agency. This agency has been confirming the high degree of reliability of Renaissance Insurance for more than ten years. This year, the company's rating corresponds to the ruBBB indicator, which, according to the previously used scale, was equated to the category A + (III).

Renaissance Insurance is proud that for many years the growth rate has allowed it to steadily maintain its position among the leaders of the Russian market. In addition, for nine years now, this insurance company has been included insix hundred of the largest Russian institutions, according to the rating agency RAEX.

As practice shows, only a large insurance organization can be considered truly reliable and stable. Various shocks in the economic sphere, along with trends towards consolidation and concentration of the insurance industry, create unfavorable conditions for hundreds of companies that have to leave the market and leave their customers to their fate. Reviews about Casco in Renaissance Insurance are of interest to many.

Market share

The company's market share is approximately two and a half percent. At the same time, among the largest insurance groups, Renaissance is in ninth place in terms of sales and payouts, confidently competing with the market leaders in the field of voluntary types of insurance. Thus, with regard to voluntary auto insurance, Renaissance ranks seventh, and in the line of compulsory services - tenth. Thanks to achievements in the field of he alth insurance, the company holds the eighth place. In addition, it is one of the five leaders in direct insurance, which includes the sale of policies by phone and via the Internet. There are a lot of reviews about Casco in Renaissance Insurance.

Casco

The main difference between hull insurance and OSAGO is that the first option makes it possible to repair a car, regardless of who is the culprit of the accident. Casco guarantees its owner the repair of the vehiclein almost every situation.

In the Renaissance Insurance company, Casco can be assembled from separate modules, like a constructor, including only the necessary options, as some may simply not be needed or significantly increase the cost of the product. Renaissance Insurance provides its clients with the following hull services.

Car Damage Insurance

With this option, any damage will be repaired in the technical services of the partners of the insurance company. In the event that the cost of repairs is more than seventy-five percent of the amount for which the vehicle was insured, the owner will receive a one-time cash refund. The payout will be limited to the amount of car insurance. This module is the most common and most expensive part of Casco. This is confirmed by the feedback from Renaissance Insurance customers.

Insurance for total loss damage

This type is valid if the car is beyond repair due to an accident, as well as if the repair cost is more than seventy-five percent of the insurance amount. The client in this situation receives compensation in money within the amount for which his vehicle was insured. By choosing this option, you can get emergency insurance. Casco insurance rules at Renaissance Insurance can be clarified at the company's office or on the official website.

Car insurance against theft and theft

Immediately after theinvestigation, the client receives a lump sum payment according to the amount of insurance. This option, as a rule, is included in almost every insurance, but is not considered mandatory. The owner may not insure the car against theft, which will save on the cost of insurance.

Accessory Insurance

The optional equipment insurance is valid for non-factory installed parts. Payment is issued only in case of theft or damage to this equipment or its individual parts. Casco policy in "Renaissance Insurance" is now available to many.

Public Liability Insurance

This module makes it possible to expand the client's liability limit under the OSAGO policy in the event of a serious accident, as well as damage to several cars at once. The maximum allowable amount in this situation is two and a half million rubles. This option can only be used when purchasing a comprehensive insurance policy at Renaissance Insurance offices.

Total Value Insurance

In case of theft, in situations where the vehicle is beyond repair, the customer is paid the full insurance value of the car. The Renaissance organization offers this insurance module exclusively for cars manufactured in 2016 and 2017.

Accident insurance

This module involves a cash payment in situations where passengers, the driver of the car received various injuries, became disabled or died as a result oftraffic accident. In this case, the payment is calculated as a percentage of the amount for which the injured driver and passengers were insured.

Additional Casco services from Renaissance Insurance

The company strives to provide its customers with various additional opportunities related to the Casco service for their convenience, which in certain unforeseen situations can save strength, time, and nerves.

One of these opportunities is to carry out repairs without providing certificates. In some cases, it may not be possible to file an incident with the police. Understanding this, the company offers customers to repair the car without providing certificates from the relevant authorities in the event of an insured event under the hull.

Emergency Commissioner Services

"Renaissance Insurance" provides the services of an accident commissioner, in which a specialist at the scene of the accident helps to inspect the damage received by the car, draw up documents. After that, the emergency commissioner collects all the necessary certificates from the traffic police. The driver can choose one of the services of the emergency commissioner: leaving for an accident with two or more participants, responding to any incidents related to the car. This option will not be available if the Casco is purchased online or by phone.

Another additional service is technical assistance on the road, which is provided in the most common situations: topping up gasoline, changing tires, starting the engine incold season and evacuation, if it is not related to insured events. The company provides each such option within three thousand rubles. Making a hull insurance contract with Renaissance Insurance can be very profitable.

Paying rent

During the repair of the car in connection with the occurrence of an insured event, the driver has the opportunity to rent another car. "Renaissance" pays the costs associated with the lease, within ten thousand rubles. And in the event that the car is evacuated from the scene of the accident, the company pays for taxi services within two thousand rubles so that the client has the opportunity to get to the required place. As a rule, the specified amount is enough for any trip within a particular Russian city. There is a hull for legal entities in Renaissance Insurance.

Thus, the company tries to provide a wide range of services for the convenience of its customers. What do ordinary people think about the service of this organization, who had a chance to issue a comprehensive insurance there?

Reviews on Casco at Renaissance Insurance

Unfortunately, there are a lot of dissatisfied reviews on the Internet about the activities of this insurance company from customers who have issued Casco in it. So, people call "Renaissance" a company of swindlers and liars. Clients are sure that thanks to good legal support, along with the purchased refereeing, all dishonorable activities of the insurance company are carefully hidden. For example, it is said that if the policyholder is at fault inaccident, the company sued its client, claiming money from him.

People report that when an insured event occurs, its employees take time to process the due payment, against which the clients get the impression that Renaissance is simply trying to get the service to expire. In addition, company employees often do not fully fulfill the amount of work required by them.

However, situations are different. In addition to dissatisfied customer comments, there are also positive ones. For example, people say that they like the speed of the Renaissance company in considering insurance claims, but customers are not satisfied that they have to wait about a month for the required repair. Thus, according to customers, it takes up to twenty days for the company to review insurance, and repairs can be delayed for a whole month.

In contrast to the unsuccessful relationship with the Renaissance company, many people were satisfied with the service of this insurance organization. In such comments, the responsiveness of employees is noted, who willingly advise their clients on any issues related to insurance, as well as give the necessary advice. There are also many examples where car repairs were completed in just a week and a half, which is really not that much.

Also, people write that it can be difficult to get through to the Renaissance Insurance company. It is reported that when trying to contact the insurance takes up to half an hour, even at the height of the working day.

Peoplewarn other potential customers that if they decide to take out a policy with the company, they need to be prepared for the fact that they will not be able to receive a Casco payment from Renaissance Insurance in the event of an insured event in a short time. It is noted that when it comes to small amounts, clients receive cash compensation almost on time, but when it comes to serious payments, as insurers write, you have to wait at least one quarter.

In addition, there are situations in which the process of restoring a car is delayed due to an undelivered referral for repairs on time. So, people write that after they have collected all the documents, and the company has confirmed the occurrence of an insured event, for some reason it gets stuck, the signed direction for the repair of the affected car is lost, which simply does not reach the car service. Against the background of such situations, the insurance company does not give intelligible explanations. In addition, many do not like the fact that in the event of these circumstances, Renaissance employees behave incorrectly, hinting to the client that he distracts them from important and urgent matters, and more often they simply ignore them.

Often there are reviews in which customers complain that they can’t get a car theft payment in any way. For example, many people say that when all the necessary papers for an insured event are collected and given to the Renaissance company on time, the payment to the client is still not made. Many complain that in this organization, when insured events occur, customers are met completelyan impenetrable wall of trained operators who skillfully dodge the company's obligations. It's confusing and annoying.

Conclusion

Summarizing, it should be noted that many clients who have issued hull insurance at Renaissance Insurance (the address of one of the offices in Moscow: Pyatnitskaya St., 74) warn other potential insurers in their reviews to attribute the money earned to this organization, which sometimes does not want to fulfill its direct obligations to customers.