Insurance company "MAKS" - OSAGO: registration, payments, reviews. "Moscow joint-stock insurance company"

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

Today there is a huge number of companies providing services to the population on the insurance market. Among them, it is worth highlighting the IC "MAKS", which has existed since 1992 and has proven itself from the best side. Let us consider in more detail the features of insurance in this company, as well as the history of its creation.

MAKS Insurance Company (Moscow, Russia)

This organization was registered back in 1992. At the same time, according to the terms of the license, the insurance company carried out activities in all types of insurance for legal entities and individuals.

At the moment, the MAKS group of companies includes several separate CJSCs at once. Among them:

• CJSC "MAKS" (main branch);
• CJSC Life-MAX;
• ZAO M-MAX.

By and large, this insurance company is a full-fledged holding with more than 20 years of experience. Thanks to its rich history and experience of employees, this SCentered into partnership agreements with the largest international banks of the Russian Federation (Sberbank, Alfa-Bank, VTB 24 and many others).

Every year, the insurance company "MAKS", OSAGO, CASCO and other types of transactions are concluded every day in huge quantities, becoming larger and more economically strong. Only in the last quarter of 2013, the insurance company collected about 161 billion rubles of insurance fees (if we count by the total volume). However, today the level of insurance premiums has fallen significantly (to 9.8 billion rubles). This is due to the loss of the company's position in the popularity rating. She is currently ranked 15th.

Company rating

As a rule, a special agency "Expert RA" is engaged in assessing the status of a company. According to the data of this organization (from 2014), the Moscow Joint-Stock Insurance Company has a UN (reliability level) of the A ++ category. This means that this SC is very reliable and stable. That is, even under the condition of an unfavorable economic situation, all obligations undertaken will be fulfilled with the highest degree of probability.

Expert RA experts also note that the company's rating is quite stable and the positive assessment of the insurance company's activities will remain for a long time.

This means that this IC can be considered for long-term insurance.

In addition to the standard rating, the described company was reviewed by an international commission to determine the reliability rating. According to her assessment, she received a BBB+ level. itmeans a moderately high probability of fulfillment of all obligations by insurers. However, this international assessment also indicates that when applying for OSAGO in the MAKS insurance company, there is a relatively small degree of probability that in the event of a difficult economic situation, not all clients will be able to receive compensation. Of course, according to European standards, the UK occupies a lower position. However, this does not mean that this company is not distinguished by reliability and stability in the domestic insurance market

Summing up all these reviews, the MAKS insurance company takes a confident position in OSAGO.

If we talk about the benefits of taking out insurance, then it is worth highlighting the following advantages:

• excellent business reputation of the company;
• guarantee of all obligations;
• customer focus;
• high level of training of the company's employees;
• maximum automation of all processes;
• the possibility of obtaining insurance of any type;
• accessibility (anyone can get an OSAGO policy at the MAKS insurance company);

Many clients of the insurance organization also note the flexible terms of the contract. Employees of the company prepare documents on an individual basis and meet the needs of their partners.

What are the conditions and rates for insurance

Let's consider the conditions of the UK in more detail. Payments under OSAGO in the insurance company "MAKS" are carried out on the basis of individual calculations. While working with a clientcompany employees consider:

• basic tariff rate (it is calculated according to a single coefficient for all insurers);
• place of residence of the insured client;
• characteristics of the machine;
• number of owners and drivers of the vehicle (their driving experience and age are also taken into account);
• how long the car has served;
• did any of the owners of the vehicle get into an emergency, how often did this happen.

Let's look at an example. To date (2017), vehicles of category "A" and "M" receive a tariff rate in the amount of 870 to 1580 rubles. If the car belongs to group "B" or "BE", then it increases to 2580-6170 rubles. Provided that the client uses a vehicle of categories "C" and "CE", he is en titled to receive a rate equal to the amount from 3500 to 6300 rubles.

For public transport there are lower tariffs, which range from 1750 to 3300 rubles. Construction equipment is included in a separate category. For her, the tariff rates will be from 1100 to 1500 rubles.

In this case, insurance is provided if:

• 2 drivers of the vehicle were in an accident, and both of them have a valid OSAGO insurance policy;
• vehicle owners do not make financial claims to each other;
• No third parties were injured in the accident.

What risks are taken into account when signing documents

OSAGO from the insurance company "MAKS" insuresfrom causing property damage or harm to another person by the insured car. These are the basic conditions.

In this case, the policy will not be valid if the car was not moving at the time of damage. In addition, situations when the car owner was driving another car will not be considered insured events.

Also, compensation is out of the question if the car owner is accused of causing moral harm or environmental pollution. In addition, damage caused to the car during unloading or loading operations is not taken into account. It should be understood that professional insurance and OSAGO are different types of obligations.

The car owner will not wait for damage compensation in case of damage to architectural monuments or any other buildings that have the status of a landmark. If the car owner himself damaged his car, then there will be no payments from the insurance either.

If at the time of the accident or any other situation in which a car or a person was injured, the car owner was intoxicated, the UK disclaims all responsibility. The same applies to car owners who have lost their rights or fled the scene of an accident.

How OSAGO is calculated

First of all, it is necessary to clarify the approximate cost of the insured object. To do this, it is necessary to submit to the UK all the documents that may be needed during the calculation. This will help you quickly explore the data that may affect the payout ratio.

Bif the vehicle has several car owners, OSAGO is calculated for each individual owner. However, payout amounts may vary significantly.

Insurance company "MAKS": electronic OSAGO

As in many other insurance companies, to apply to this company, it is not necessary to go to the other end of the city and stand in a queue for many hours. You can apply for insurance online. Thanks to this, car owners can take up auto insurance at any time convenient for them. All that is needed for this is Internet access. Everything is done in a few clicks. For this you need:

• On the company's website, go to the "Buy OSAGO" section.
• In the table that appears, fill in all the required fields, indicating your data and information necessary for issuing an insurance policy.
• If everything is done correctly, the cost of the form will appear on the screen.
• Enter your personal data, as indicated in the passport of a citizen of the Russian Federation.
• Choose the most suitable insurance terms.
• Make a payment in any convenient way.

The insurance policy will be ready in 24 hours.

Using an online calculator

In order to calculate how much an insurance policy will cost, you can use a special formula, but it is much easier to use a special program provided by the UK. On the official website of the company, you can quickly and without any problems determine how much the document will cost.

To do this, you must specify the maincharacteristics of the car, clarify the region of registration, the period of use of the vehicle, the name of its owner and other details.

If the vehicle belongs to the “B” passenger car category, the driver has more than 3 years of experience, is over 22 years old and owns a car with an engine power of 100 to 120 hp. with., then the policy will cost about 5,000 rubles.

What documents are needed to apply for insurance

To issue a policy, you must submit a car diagnostic card, all documents related to the technical condition of the car, and passports of drivers who have the right to use the vehicle.

If we are talking about legal entities, additional documents may be required.

How to renew the policy

In order to extend the insurance form, it is enough:

• Go to the official website of the company.
• Go to the appropriate section.
• Indicate the number of the ending contract in the window that appears.
• Check out the cost of renewal.
• Make a payment.

Receive insurance payouts

The amount of insurance compensation directly depends on the causes of the traffic accident.

To obtain insurance, you must submit a document confirming the identity of the car owner, a driver's license, documents for the car, a protocol from the traffic police officer about the accident and a notice that will indicate the data of the culprit of the accident.

It is very important that all these documents arepresented to the insurance company no later than 15 days after the accident.

If we talk about reviews on OSAGO from the MAKS insurance company, then they are mostly positive. Clients note favorable conditions and professionalism of employees. However, there are those who are dissatisfied with the work of the UK.