IC "RESO-Garantiya": offices in Moscow. "RESO-Garantia": addresses

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

JSC "RESO-Garantia" is one of the backbone organizations of the domestic market. The company was established in 1991. IC "RESO-Garantia" has a license to provide more than 100 types of insurance services. The central office in Moscow is located at: 6, Nagorny Ave. In total, the company has more than 800 branches and points of sale, as well as more than 20,000 agents.

Owners

The organization's capital consists of 31 million shares with a nominal value of 100 rubles. More than 50% belongs to S. Sarkisov, another 5% - to A. Savelyev. In 2007, 10% of the securities were sold to the EBRD. At the same time, the company entered into a reinsurance agreement with the French group AXA and sold 36.7% of the shares. Dmitry Rakovshchik is the CEO.

About company

Reso-Garantia sales offices (Moscow) provide a wide range of services to individuals and corporate clients. The most popular areas are auto insurance (DGO, CASCO and OSAGO), VHI, property insurance, inincluding mortgage and travel insurance. Life and he alth protection services are provided by a subsidiary of the same name. More than 10 million clients use the services of the organization. Addresses of RESO-Garantiya offices in Moscow will be discussed in detail below.

The reliability and high quality of service to the organization is evidenced by the maximum rating A ++, which the company has been assigned by domestic analysts since 2009. In 2016, the company received a quality certificate in accordance with the requirements of GOST ISO 9001-2015. It certifies that the insurance management system used by the company meets the requirements of the GOST of the same name, and business processes comply with international standards.

Services

The insurance company has more than 100 licenses for complex programs. Individuals can apply for:

• tourist visa;
• VZR;
• "green card";
• travel cancellation insurance;
• OSAGO, CASCO;
• VHI, CHI;
• mortgage insurance;
• accident insurance.

As part of the service program, the company provides high-quality and qualified medical care in case of harm to the life and he alth of the insured person. As additional options, it should be noted insurance in case of loss of luggage (40 USD for each kilogram of lost luggage), documents, legal assistance. Transport assistance is organized by Europ Assistance.

As part of the Greencard the client receives protection of the property interests of the owner of the vehicle in the event of an accident involving him in the territory of another state.

When taking out civil liability insurance, the client receives protection in case of harm to third parties. The basis for the payment of compensation is unintentional actions or inaction, confirmed by a decision of a court or an authorized body.

The company compensates for losses from the delay of an air, railway or water flight, for which the client had a ticket booked, for 4 or more hours for one of the following reasons: a strike of employees of a transport company, weather conditions, transport malfunction.

Legal entities can additionally insure construction and installation risks, freight and transport cargo.

The company's customers are 40 million corporate and individuals. Including:

• Banks and financial institutions: UniCredit, Russian Standard, Moscow Currency Exchange, Zenit.
• Corporations: TTC Ostankino, Golden Telecom, Vimpelcom, Megafon; GOZNAK, LLC National Broker.
• Foreign companies and their subsidiaries: Renault, Volkswagengrouprus, Danone, Chanel, Michelin, Berlin-Chemie.

Factors

The cost of the policy depends on the conditions of the selected service program, as well as on the age of the insured person. For policies issued for children (under 1 year old) and pensioners (from 60 years old inclusive), a special multiplying factor is applied. Insured persons who play professional sports are at greater risk of injury. Therefore, when assessing the potential hazard, a multiplying factor is applied. If there are additional options in the policy, the sum insured increases proportionally.

Holding

The RESO group includes the companies of Kazakhstan NSK, Belarus "Belrosstrakh", Armenia RESO, Ukraine "PROSTO-insurance". Reinsurance services are provided by Hannover Re, SCOR, Munich Re, Partner Re, Sirius and Gen Re. The holding unites more than 30 companies involved in the insurance, pension, development, leasing and medical business in Russia and the CIS:

• Managing organization - HC RESO.
• Insurance services are provided by: RESO-Garantia, SMK RESO-Med, RESO-Delta.
• The group of companies includes: Medilux TM, Scandinavia Clinics, Auto-Service, RESO-Leasing, RESOTRAST, RESO Credit Bank, NPF SberFund, CORIS Assistance "".

RESO-Garantia: addresses in Moscow, main office

The regional network includes 794 representative offices throughout the Russian Federation, of which 145 policy points are located in the capital. You can apply for a policy by contacting any branch. What is the address of RESO-Garantia? The central office in Moscow is located, as already mentioned, at 6 Nagorny Ave. It serves customers daily from 09:30 to 20:00, on Saturday - from 10:00 to 18:00, and on Sunday - until 16:00. Most branches work according to this schedule, although some are open only on weekdays. For example, RESO-Garantiya offices in Moscow (VAO)open until 19:00:

• St. Weaving, 12.
• TD "Perovsky".
• Schelkovo highway, 77.

In the same area you can find other offices in Moscow. "RESO-Garantiya" in the "City of Abundance" supermarket is open from 09:30 to 20:00 on weekdays and from 10:00 to 18:00 on weekends. Addresses of other points of sale where customers are served according to the schedule 09:30-20:00 on weekdays; 10:00-18:00 - Sat, Sun:

• St. 15th Park, 44-A.
• Izmailovsky Boulevard, 43.
• St. Stromynka, 19a.
• St. Novokosinskaya, 32-a.

What other offices does RESO-Garantia have in Moscow (CJSC)? On weekdays from 10:00 to 19:00, only the branch located at ul. B. Filevskaya, 19/18. The following RESO-Garantia offices in Moscow are also open on Saturdays from 10:00 to 18:00:

• St. Kyiv, 19 (until 15:00 on Saturday).
• Ex. Kutuzovsky, 35.
• Mozhaisk highway, 42.
• Ex. Vernadsky, 78.

Additionally, on Sundays from 10:00 to 15:00, the following offices are open in Moscow:

• "RESO-Garantiya", st. Yartsevskaya, 34.
• St. Militias, 11.
• St. Lukinskaya, 14.
• Rublevskoe highway, 50.
• Ex. Leninsky, 66.
• St. Novoperedelkinskaya, 13.

Many branches are also located in other AOs. RESO-Garantiya offices in Moscow (South-Western Administrative District) also have the following:

• Ex. Leninsky, 45.
• St. Ramenki, 6.

These two branches accept clients during businessdays from 10:00 to 20:00, and on Saturday - from 10:00 to 18:00. The following RESO-Garantiya offices in Moscow (South-East) also serve clients on Sundays until 16:00:

• St. Vavilov, 91.
• St. Novocheremushkinskaya, 49.
• Warsaw highway, 88.
• St. Profsoyuznaya, 18.
• Ex. Michurinsky, 9.
• Ex. Michurinsky, 34.

This is the schedule of IC RESO-Garantia. The head office (Moscow) serves primarily VIP clients.

Recognition

Over the years of work, RESO-Garantia has received such awards and participated in such competitions:

• Winner of the Golden Salamander Main Prize (2005, 2008 and 2011).
• Winner of the contest "Brand No. 1 in Russia" (2011).
• Winner of the "Financial Olympus-2010" award in the category "Result and success".

The fact that the RESO-Garantia company, whose head office is located in Moscow at 6, Nagorny Ave., is developing steadily, is evidenced by the following experts' assessments:

• In 2010, the company ranked 132nd in the Expert-400 rating.
• Standart &Poor's rated BB+ in 2012. It was confirmed for next year with a stable development outlook.
• In 2013, the company received a license to carry out "Compulsory Carrier Liability Insurance".
• In 2014, the Expert RA agency assigned a reliability rating of A++with a stable development outlook, and the "National Rating Agency" rated AAA. The same figures were confirmed in 2015 and 2016

Auto insurance issues

The Union of Motor Insurers (RSA) has initiated a new bill, according to which compensation for OSAGO will be paid in kind, that is, covering the cost of repairs. This scheme will completely displace all cash from the market. There will also be no need for the services of “auto-lawyers”. Through the courts, they seek an increase in insurance payments, and for their services they take a percentage of the insurance premium received. "Auto lawyers" deceive citizens and insurers. In 2015, they collected about 12 billion rubles.

Introduction of obligatory execution of CMTPL electronic policies is the first stage towards the appearance of in-kind compensation. A single agent is a temporary measure, but in problem regions it will provide an opportunity to switch to a direct choice of an insurer by a consumer. It will be possible to talk about the complete curtailment of agency activities after the introduction of compensation in kind.

Electronic OSAGO policy

One of the promising areas of the company is auto insurance. But in order to issue a policy, it is not at all necessary to contact the offices (RESO-Garantia in Moscow is one of the most popular insurers). You can get an electronic OSAGO policy directly through the company's website. Let's take a closer look at how to do this.

For the initial and re-application for the OSAGO policy, you need to go to the "RenewOSAGO policy on the Internet. Then you should register in your personal account, indicating your full name, phone number (aka login). Be sure to agree to the processing of personal data and click on the "Register" button. After "Data verification" you need to come up with a password and confirm it with a code from SMS. The notification is also duplicated to the specified email address. After clicking on the "Register" button, many users get an error.

Despite the notification, the user is already registered in the system. This is evidenced by the receipt of SMS with codes. You need to enter your personal account by entering your phone number and password. In the menu on the left, select the item "Issue a policy". Clients who have already issued policies through offices in Moscow (“RESO-Garantiya” - the insurer we are considering) will be able to see their list in the “List of Policies” section. Existing contracts can be extended directly through the site. If the policy has expired, you will have to create a new one.

In the application form, enter data about the car and the driver. The company requests both standard parameters and additional ones. For example, full name. driver, date of birth, series of driver's license - these are mandatory details for filling out any policy. But why the company needs to know the location of the steering wheel, the number of passenger seats, the permitted weight when issuing OSAGO for a passenger car is not clear. When filling out the form, you need to pay attention to the following fields:

• "VU date" - the date of issue of the first rights(if there was a replacement of the certificate).
• The card number is a 21-character number indicated in the notes. You can check the data in the DC on EAISTO.

It doesn't matter whether you decide to visit the RESO-Garantiya company's head office (Moscow) or any other branch, employees immediately enter data from the insurers' database. If the client draws up a policy through the site, then first of all you need to focus on the information of the old contract. They are stored in the AIS SAR and may not match the TCP and COP data.

After filling in all the information, you need to click the "Calculate" and "Save" buttons. You must pay the policy at the specified cost before the end of the current day, otherwise it will be canceled. The transaction is carried out through the Promsvyazbank gateway. Funds are debited from Visa/Mastercard plastic cards. After payment, the policy can be downloaded as a PDF file. Here's how to get an OSAGO policy without visiting offices in Moscow. RESO-Garantia does a lot for the convenience of its customers.

Caution! Clones

From January 1, 2017, insurance companies are required to sell electronic OSAGO policies. In case of non-compliance with this requirement or the presence of constant technical failures, a fine may be imposed on the insurer.

Such innovations immediately spurred scammers to create "clone" sites for the sale of electronic OSAGO. Visual copies of Rosgosstrakh, VSK and RESO were among the first to appear on the market. The addresses of these sites are similar to the real ones, but they are designed for anonymous persons. There are also many sites"intermediaries", which are generally prohibited by law in electronic OSAGO. Even the first complaints from affected customers have already been received. In the case of buying a policy from scammers, funds are debited from the account, but the contract is not received by e-mail. Or, on the contrary, a letter arrives in the mail with redrawn PDF files of real forms, but with fake seals and signatures. Such policies are not registered in any database, insurers are not responsible for them.

Reviews

The described company has been on the market for over 25 years. To stay afloat for so long, you need to have a well-functioning system of work and quality management. Therefore, it is not surprising that the process of selecting a person is put on stream. This is evidenced by the feedback from employees. Students and young people without work experience are recruited for the positions of agents. New candidates are offered free training lasting approximately two weeks, followed by testing.

The first year an employee works for a salary of 30 thousand rubles. (before taxes). Only after this period does career growth become available. Another disadvantage is that the premium is not charged for the sale of the most popular product (OSAGO policy). This rhythm of work is maintained by everyone, as evidenced by the high turnover of staff.

25th anniversary

In 2016 RESO-Garantia turns 25 years old. Over the years, the company has risen to third place in the list of market leaders. The organization employs 20 thousand agents, 850 branches and points of sale have been opened. Of more than 100 types of services, the mostpriority are: auto insurance, VHI, property protection, mortgage insurance, protection of life and he alth of tourists. The competitiveness of the organization in the market is determined by the professionalism of employees, for the training of which a special "School of Insurance" was opened. Those who pass it stay with the company.

2016 results

The authorized capital of RESO-Garantia is 3.1 billion rubles. In 2016, she earned 100 billion rubles. In the first quarter of 2016 alone, the company ranked 1st in terms of the number of CASCO policies sold, and 2nd in terms of OSAGO and VHI. The accumulated funds are planned to be used to purchase insurance companies specializing in CHI and VHI.

Over the past two years, more than 90% of CMTPL electronic policies were issued by residents of Crimea. The main reason is that the regional coefficient is 0.6. If it is canceled, then it will be easier to calculate the cost of policies.

Reforms of e-OSAGO

In January 2017, 190,000 electronic MTPL were signed, which is 60% of all policies sold in 2016. On average, companies sell 9-10 thousand policies per day. Most contracts were sold in the Krasnodar Territory (20.7 thousand contracts), Volgograd (9.7 thousand) and Rostov (9.5 thousand) regions, During the same time, the PCA received a lot of complaints from users who could not issue an electronic policy. The error occurred when redirecting from one site to another. In 50% of cases, the reason for the failure was that the client incorrectly entered the date of receipt of the first identity. Another 30% of failures occurred after verificationregion and auto. Inconsistencies in the data in the PCA database, the complexity of filling out the questionnaire and technical failures are the most common problems that customers encountered when applying for policies.

Punishment

In case of refusal to sell an electronic policy, a fine of 200 thousand rubles may be imposed on the insurer. The system of punishment is also provided for the replacement insurer, to the site of which the buyer of the policy is redirected. For constant technical failures, the company will have to pay 50 thousand rubles. for each unconcluded contract.