Insurance 2024, May
OSAGO online: reviews. Reviews about registration of OSAGO online in "ROSGOSSTRAKH"
OSAGO - compulsory motor third party liability insurance of the driver. According to the current law, starting from 2003, each driver must buy an OSAGO agreement and only after that move in his car
Electronic OSAGO policy: reviews and expert opinions
The main change that took place on July 1, 2015 is the ability to issue a policy electronically. The purpose of the innovation is to make insurance affordable, even in remote regions. How can I purchase an electronic OSAGO policy?
Car insurance without life insurance. Compulsory car insurance
OSAGO - compulsory third party liability insurance for vehicle owners. It is possible to issue OSAGO today only with the purchase of additional insurance. But what if you need car insurance without life or property insurance?
How and where to get a diagnostic card for OSAGO? Tips for car owners
Many drivers do not know where to get a diagnostic card for OSAGO. There are several options for technical inspection. Each driver independently decides which option to choose
Where is it better to insure a car under OSAGO? In what case is a car not insured under OSAGO?
Many car enthusiasts daily wonder where it is better to insure a car under OSAGO. This issue must be approached responsibly. Every driver should know how to buy insurance coverage correctly
Do I need motorcycle insurance
Many motorists are wondering if motorcycle insurance is necessary. Like other vehicles, a motorcycle is subject to compulsory insurance under the OSAGO program
RSA. Checking the policy: tips for motorists on how to purchase a real OSAGO policy
Any modern person must responsibly approach the conclusion of a transaction. Purchasing an OSAGO policy is no exception. Authentication may be required if you bought a compulsory insurance contract not at the official office of the insurance company, but from an agent who represents the products of many companies
"Bin Insurance": reviews and CASCO insurance products
Currently, there are many different structures in the insurance market. Insurance products at reasonable prices today are ready to be offered by such a stable and well-known company as BIN Insurance. CASCO can be issued under the program "Classic" or "Comfort"
Can I refuse insurance on a bank loan?
The question "is it possible to refuse credit insurance" is currently very relevant for many borrowers. In court, if there is documentary evidence, you can return the money for insurance, which was imposed by bank employees without fail
Claims to the insurance company: reasons for filling out and filing options
It is profitable for the CASCO insurance company to conclude, but it is very unprofitable to make payments. Therefore, it becomes necessary to write a claim to the insurance company. An insurance claim is a document in which the policyholder documents the essence of the problem that arose as a result of an insured event
Deposit insurance in Russia and its features
Very often we hear the phrase in commercials: “Deposits are insured”. But not every one of us understands this topic and its specifics in the Russian market. When giving your hard-earned money to a bank, you should find out in advance what you can count on if your license is lost, as well as how to minimize your losses
Basic principles of insurance
The insurance process is based on a number of principles. What are they? What were they designed for?
Pension Fund budget: adoption, fixed assets, income and expenses
How is the PFR budget formed, who forms it, where is it located? How is it reviewed and accepted? What are intergovernmental transfers? The main items of expenses and incomes of the budget of the Pension Fund, their ratio. How is the shortage problem solved?
Payments "Rosgosstrakh": reviews. How to find out the amount of payment and terms?
"Rosgosstrakh" is one of the five largest insurance companies in Russia. To date, there are almost 80 branches and over 3,000 offices and divisions. The company specializes in insurance of life and he alth of citizens, property and liability. In the article, we will consider how payments are made. Do insurers have problems with this, and if so, what are they, what are they connected with and how to solve them
How to recover a lost pension insurance certificate?
Lost your pension insurance certificate? No problem! It can be restored. If you are officially employed, then you need to contact the personnel department, if not, the nearest branch of the pension fund
IPK (individual pension coefficient). Calculation formula
The article describes the calculation of the individual pension coefficient. The features of the IPC and the formula for insurance payments are also considered
Insurance intermediaries: concept, definition, functions performed, their role in insurance, work procedures and responsibilities
In the sales system, there are reinsurance and insurance companies. Their products are purchased by insurers - individuals, legal entities that have concluded agreements with one or another seller. Insurance intermediaries are legal, able-bodied individuals who carry out the activities of concluding insurance contracts. Their purpose is to help conclude an agreement between the insurer and the policyholder
NPF: which one to choose? Rating, reviews
Which NPF to choose? Russian NPF yield rating: which fund is the leader in the country's pension market?
Insurance: essence, functions, forms, concept of insurance and types of insurance. The concept and types of social insurance
Today, insurance plays an important role in all spheres of life of citizens. The concept, essence, types of such relations are diverse, since the conditions and content of the contract directly depend on its object and parties
NPF "European Pension Fund" (JSC): services, benefits. European Pension Fund (NPF): customer and employee reviews
“European” NPF: is it worth transferring savings to a fund with European standards? What do clients think of this fund?
NPF "Future": customer reviews, profitability rating
JSC NPF "Future" is one of the largest financial institutions that provides Russian citizens with the opportunity to increase their pension contributions as a result of concluding OPS agreements. The company started its activity in the market more than 18 years ago. Now it is a merger of large NPFs - Welfare and Stalfond
Contributory pension: the procedure for its formation and payment. Formation of insurance pension and funded pension. Who is en titled to funded pension payments?
What is the funded part of the pension, how you can increase future savings and what are the prospects for the development of the investment policy of the Pension Fund of the Russian Federation, you will learn from this article. It also reveals answers to topical questions: "Who is en titled to funded pension payments?", "How is the funded part of pension contributions formed?" and others
"MAKS" (insurance company): reviews. CJSC "MAKS" - insurance company
ZAO MAKS is an insurance company. Read the article about the company, its mission, advantages, main types of services provided
Cumulative life insurance: rating of companies in Russia and abroad
Cumulative life insurance will help not only save money, but also increase it. Choose your company carefully
IC "Sberbank life insurance": capital investment, conditions and rules of insurance
Life insurance is the protection of the property interests of a person related to his life and death. This is a long-term and cumulative type of investment. This service is offered on the market not only by professional participants, but also by credit institutions, in particular Sberbank
Business risk insurance: features, types and recommendations
Even the most adventurous and daring entrepreneurs think about the possibility of some risks. At the same time, excitement multiplies many times if a person is engaged in the work of his whole life. In this article, we will look at what business insurance is, as well as its main varieties
CHI, electronic policy: where to get, documents and benefits
Obtaining a CHI policy is not a complicated procedure. But recently, insurance companies offer to receive electronic policies. What it is? How to issue them? What are the pros and cons of such a document?
Insurance of prisoners and convicts: conditions and tariffs. Insurance company "Rosmed"
Insurance of the life and he alth of convicts is an important step in our society towards providing normal conditions for their correction. The presence of insurance imposes additional obligations on the administration to optimize the conditions of detention, as well as to exclude arbitrariness on the part of employees
Contract liability insurance: procedure, conditions, documents and recommendations
In the modern world, insurance claims, related concepts and laws, as well as the nuances of civil insurance require special attention. It is important not only to understand what is reflected in the content of the contract of civil liability insurance (CL), but also to distinguish between the features inherent in various insured events and types of insurance
"Tinkoff Insurance" - reviews. "Tinkoff" - travel insurance
"Tinkoff Insurance" is the first Russian company that insures its clients when traveling abroad, even if they plan to go in for extreme sports
What to choose: OSAGO or CASCO? What is the difference?
What do you need to choose when applying for a policy - OSAGO or CASCO? What is the difference between these types of insurance?
Insurance without limits: the ideal solution for car owners
Open insurance or policy without restrictions is a great tool that allows owners to transfer control of their vehicle to third parties. Often it is really necessary
How to issue an electronic OSAGO policy at Alfastrakhovanie? Electronic policy "AlfaStrakhovanie": reviews
AlfaStrakhovanie is one of the most popular and most reliable insurance companies in the country. In more than 400 additional offices in all regions of Russia, the insurer provides a wide range of insurance products. But especially in demand today is the electronic OSAGO policy. How to apply for it in AlfaStrakhovanie?
Where is the best place to insure a car?
Today, vehicle insurance under the OSAGO program is mandatory. How to choose the right insurance company and what to look for when concluding a contract? Every driver should know the basic nuances
CTP electronic insurance: where and how to apply?
Since the middle of 2015, electronic OSAGO has appeared in Russia. You can issue a policy in this way without coming to the office of the insurance company, but right at home by providing data via the Internet. We will study the details of this issue in the article
Accident insurance. Accident insurance contract
Every year the development of the insurance market in Russia is gaining momentum. This is not surprising, because insurance is practically the only way to financially support yourself and your loved ones in the event of an unforeseen situation. One of the most popular types of such support is accident insurance
Object and subject of insurance: basic concepts, classification of insurance
In contractual relations, legal practice, civil legal relations, there are often concepts - object and subject. Insurance is the same wide area of relationships, but not legal, but commercial. Therefore, in the same way there are participants in these relations with their expectations and interests. What is meant by the object and subject of insurance?
What is GAP insurance: concept, definition, types, drawing up a contract, rules for calculating the coefficient, insurance tariff rate and the possibility of refusal
The most famous and applicable in the Russian market are OSAGO and CASCO insurance, while there are a lot of additions and innovations in the international auto insurance arena. An example of such new trends is GAP insurance. What is GAP insurance, why and who needs it, where and how to buy it, what are the advantages? These and other questions can be answered in this article
Mortgage insurance: reviews. Comprehensive mortgage insurance
Mortgage insurance is required when buying property on credit. When issuing a loan to a borrower, banks put forward an additional requirement - the purchase of a mortgage insurance policy
Home insurance with a mortgage: cost, is it necessary, documents
If you take out a mortgage, home insurance is a must. Usually, the bank requires to insure not only the housing itself, but also the life and working capacity of the borrower, and the status of housing. After all, we cannot guarantee anything in advance. The bank will not take risks, it will require you to pay for comprehensive insurance
OSAGO insurance payments: how to get what is due
Avtocitizenka in our country is mandatory for all car owners. This leads to the fact that more and more often insurance payments for OSAGO become the object of dishonest work of insurers
Voluntary pension insurance - description, system and functions
Compulsory pension insurance guarantees the realization of certain rights of both citizens of the Russian Federation and foreigners who live in our country. Voluntary pension insurance is an addition to the mandatory one due to the lack of effectiveness of the latter in guaranteeing the material interests of any social groups of the population. What can all this mean?
Casco insurance rules. How to "dress" the car in a "helmet"?
The booming influx of vehicles has spawned the phenomenon of auto insurance. A great way to protect your car, provided that you can get into the hands of conscientious and honest insurers. Hull insurance has gained great popularity in Russia. It will be discussed further
Ingosstrakh insurance company: reviews
Reviews about Ingosstrakh are of interest to all potential customers of the company, which today offers the widest possible range of services in the insurance sector. It should be noted that the most popular products in this area for many years have been the protection of cars and the life of the client. In this article we will tell you what conditions are offered by the company. We will also dwell on the points that may be of interest to possible future employees of Ingosstrakh
Insurance against travel abroad: conditions, procedure for obtaining and necessary documents
When visiting the office of a travel company and making a trip, in addition to a voucher, customers are offered to take out insurance for tours against their own recognizance. Is it necessary and what will the insurance company be responsible for?
Sum insured and insured value
The most common type of insurance is property insurance. The amount of insurance compensation directly depends on the real value of the object, and it is important for each client of the company to know how this value is calculated. And how does it differ from the sum insured
Insurers are Insurers: quality, responsibility and risks
People turn to insurance companies in search of financial protection in case of various unforeseen situations. In this article, we will understand in detail who the insurers are, what their role, essence and what responsibilities they have. Advice will also be given on choosing the most reliable company for concluding an insurance contract
Insurance medical organization: duties, responsibility
Insurance operates in many areas of human life. Often this service has to be issued for the safety of life and he alth. A person will need an insurance medical organization in which it will be necessary to draw up a contract
Minimum term of OSAGO insurance in 2015
For all car owners on the territory of the Russian Federation, there is a law on compulsory motor third party liability insurance. For this, there is a special policy that every driver must purchase. About what is the minimum period of OSAGO insurance in 2015, will be discussed in this article
Termination of the OSAGO contract: documents, conditions, calculation of the balance of the sum insured
Each driver may face a situation where early termination of the OSAGO contract is necessary. It is quite possible to do this, but without knowledge of all the intricacies of the legislation, it can be quite problematic
CASCO in Ingosstrakh: calculation, features and reviews
The owner of a vehicle, especially a new one, turns to the insurer to protect himself from possible material losses if the car has an accident or an accident. Insurance company Ingosstrakh conducts CASCO calculations both on its official website and in all divisions throughout the country
"AlfaStrakhovanie" CASCO: insurance rules, conditions, types, calculation of the amount, choice of insurance, registration in accordance with regulatory documents and leg
A significant number of insurers operate in the country's insurance market. Alfastrakhovanie JSC confidently occupies a leading position among all competitors. The company has permits to conclude contracts in 27 insurance areas. Among a significant number of developed CASCO insurance rules from Alfastrakhovanie attracts customers with its simplicity, various options, speed of payment
The subjects of the insurance business are The concept, activities of subjects, rights and obligations
The insurance market is represented by insurance companies, their clients, insurance agents and brokers, beneficiaries and insured persons. However, you should be aware that not all of its participants are subjects of the insurance business
The concept and types of liability insurance
For the majority of citizens and business leaders, it has become customary to draw up life, car, and property insurance contracts. Faced with such a category as "liability insurance", many do not understand the need for this type of protection. Although, as practice shows, in the modern world, existing types of liability insurance allow you to protect yourself from possible unforeseen expenses when carrying out various activities and even driving a car
Treasury is Interpretation. Word meanings
State property, budget funds, state property. These phrases can be described in one word. This is the treasury. But is this belief always true? Is the interpretation of this word the only one?
When, how and where to change the medical policy
It's no secret that a special policy is required to receive medical care. In addition, now there is a mass replacement of old samples of this document with a new one. At the same time, not every person knows where to change the medical policy and how to do it correctly
What does it mean to freeze pension savings for a year? What threatens the freezing of pension savings?
Retirement savings allow citizens to influence their incomes, and the economy to receive investment resources. For two years in a row they succumbed to temporary "conservation". The moratorium was extended to 2016. Read more about what it means to “freeze pension savings” and how it threatens the country's economy and population, read on
JSC "National Non-State Pension Fund". National NPF: reviews
This article will tell you all about the organization called "National Non-State Pension Fund". What is this company? What kind of feedback does she receive about her work?
Property title insurance and its cost. What is title insurance?
According to the current legislation, the right of ownership allows the owner of the property to own and dispose of it at his own discretion. However, some regulations provide grounds under which this opportunity may be lost or challenged
Travel insurance when traveling abroad and in Russia. Terms of registration
Medical insurance makes it possible to receive medical assistance in any country. The need for it may arise not only among extreme sportsmen, but also among lovers of beach and educational recreation. Read more about how travel insurance is issued, what policies exist - read on
Is it valid for OSAGO KBM insurance? What is KBM in insurance?
With the joy of owning a car comes new responsibilities. In particular, the need to insure motor third party liability. Everyone knows that in the event of an accident, the damage is compensated by the company that sold the policy. The question arises of how its value is formed and on what it depends. One of the main components of insurance is KBM. Not so long ago there was information that it was canceled in Rosgosstrakh. Is it so? We will discuss in this article
Insurance ratio: calculation formula, rates and payments
The price of the insurance contract is calculated individually for each car. It depends on the insurance coefficient and the base rate. In order to calculate the final premium on your own, you need to use all the coefficients and know the specific value of each
Increasing OSAGO coefficient: reasons, conditions, calculation rules, validity period and payments
The cost of an OSAGO insurance policy is regulated by the Central Bank of the Russian Federation. But, despite this, the price of all can not be the same. This is due to the increasing coefficients of OSAGO, which depend on various parameters
Features of the new format: where is the OMS policy number and other differences
The article touches upon the main points that raise questions when using the new policy: what are the differences, how to get it and where is the CHI policy number
Voluntary medical insurance policy: cost and design features
The article describes the types of voluntary medical insurance policies for citizens of the Russian Federation. Considered the cost of VHI
Insurance company "Renaissance Life": reviews, conditions and features
The company "Renaissance Life" (reviews are very different) makes compensation payments within 14 days after the occurrence of the insured event. At the same time, according to Russian law, client funds cannot be frozen or seized. In addition, the money cannot be divided in the event of a divorce of a married couple and does not imply the payment of tax
What is FSS? Social Insurance Fund
What is the FSS, why this organization was created and how it works, you need to know almost every citizen of our state
All about TCB for OSAGO
MTB for OSAGO is a drop in the value of a vehicle as a result of getting into a traffic accident and performing its further repair
Is it necessary to urgently replace the he alth insurance policy?
Replacing a medical insurance policy provides an opportunity to choose a company where you would like to be served. The introduction of a new type of document does not cancel the previously existing policies
CASCO payments: what you need to know
In order to receive payments under CASCO, you need to follow a certain procedure, and also have all documents available (accident certificate, decision on an administrative offense or a copy of the protocol if they were not issued by the traffic police). In the insurance company, you need to get a copy of the document, which indicates the amount of damage and the amount of compensation. Don't forget to get one copy of the contract for the provision of repair services
Transit OSAGO: policy for transit numbers
Transit CMTPL policy, unlike conventional insurance, has a short validity period. Having issued this type of insurance, you can safely move around in your car for no more than 20 days
How to check the CMTPL policy for authenticity
Fake auto insurance policy bodes serious problems. Firstly, in the event of an accident, it is not necessary to count on compensation. Secondly, driving without OSAGO threatens with a fine, and it is difficult to prove that the driver did not know that he had acquired a fake. How to check the OSAGO policy and avoid these problems?
How much does it cost to enter into the driver's insurance without experience. How much does it cost to include a person in insurance?
Sometimes it becomes necessary to make changes to the OSAGO policy. For example, indicate that another person can drive the transport. About how much it costs to enter into the insurance of a new driver and how to do it, read the article
How to check the authenticity of the OSAGO policy in different ways
In this article we will learn how to check the OSAGO insurance policy for authenticity, and why this is necessary. Don't worry: it takes quite a bit of time to figure out the issue, but you will be prevented from many problems associated with the presence of "fake" insurance
Calculation of KBM: we determine the discount for OSAGO on our own
The price of an OSAGO policy depends not only on the power of the vehicle, driving experience, age and place of residence of the driver, but also on how carefully he behaves on the road. Car owners who do not get into accidents (at least through their own fault) can count on a discount on OSAGO up to 50%
OSAGO classes and their definition
The article describes in detail what OSAGO classes are: on the basis of what data they are determined, what they affect, how to find out your category, and where does the bonus-malus
What is a VHI policy?
Tired of the endless queues that are the constant companions of state clinics, and doctors whose diagnoses turn out to be incorrect, many prefer to use the services of voluntary medical insurance. What is a DMS policy? This is an opportunity to get quality help in a short time
Disputes with insurance companies: settling issues
Insurance is an activity aimed at protecting the rights of policyholders from various risks. But even in this area, disputes arise that are considered in court, and also without reaching it
Pen alty for late insurance in 2015
According to the law, every car owner must insure his car every year. A mandatory policy that must be purchased is OSAGO. However, some unscrupulous drivers are in no hurry to renew a new contract and continue to drive on roads with an expired document
Responsibility for overdue OSAGO. Can I drive with expired OSAGO insurance? Is it possible to renew an expired OSAGO policy?
An overdue OSAGO is not a crime or a sentence, but just a consequence, behind which there are certain reasons. Every year there are more and more drivers on the roads who travel in their car with an expired auto citizenship
How to determine the driver class for insurance?
With the rise in prices for OSAGO, many motorists shy away from issuing a policy. Such a decision cannot be called deliberate, although the desire to save is understandable. There is another, legal way to reduce the cost of the policy - accident-free driving. In this case, a driver class is assigned. How to identify and use it correctly, read on
Voluntary he alth insurance for foreign citizens - the subtleties of registration
On the territory of Russia, as in most developed countries, the program of compulsory medical insurance has long been used. Thanks to it, both residents of the country and non-residents can receive medical care. However, those who do not have Russian citizenship, but are officially employed, will have to purchase a voluntary insurance policy. What is voluntary he alth insurance for foreign citizens will be discussed in this article
How to check the OSAGO policy for authenticity and what it is for
A genuine OSAGO insurance policy is not only financial assistance in the event of an accident, but also complete driving statistics of the car owner. To verify the validity of your policy, you can use the following publicly available methods. How to check the OSAGO policy for authenticity will be described in this article
Insurance pension - what is it? Labor insurance pension. Pension provision in Russia
According to the legislation, since 2015, the insurance part of pension savings has been transformed into a separate type - an insurance pension. Since there are several types of pensions, not everyone understands what it is and what it is formed from. What is an insurance pension will be discussed in this article
Insurance of property of individuals: features and rules
Personal property insurance is one of the most popular and demanded types among the population. In any scenario, a person, even having lost valuable things, can soon acquire them again with the payments received from the relevant organization. How to insure your property, secure your financial interests, will be discussed in this article
Insurance of children against accidents and illnesses. Compulsory accident insurance for children
In the process of growing up, a little man very often faces many dangers and unforeseen situations. That is why society is increasingly raising the question that it is necessary to introduce compulsory insurance of children against accidents
Non-state pension funds: rating of reliable companies
Today, more and more people are investing in non-state pension funds (NPFs). This allows you to form a decent pension in old age. In addition, each company offers its own conditions. The rating of non-state pension funds will allow you to make the right choice. It will be discussed in the article
Renessans insurance (Renessans Insurance Group LLC): addresses, types of services and reviews
Choosing an insurance company in Russia is not so easy. This article will tell you all about Renessans insurance. What is this organization? What services does she offer? What kind of feedback does it receive from the public?
Rating of insurance companies. Insurance companies: reliability rating
When choosing an insurer, it is very important to know its rating. You can find out what information should be used when compiling a rating, as well as what Russian insurance companies were able to achieve in 2014, by reading this article
How to get a new CHI policy. Replacing the MHI policy with a new one. Mandatory replacement of CHI policies
Every person is obliged to receive decent and high-quality medical care. This right is guaranteed by the Constitution. The compulsory he alth insurance policy is a special tool that can provide it
Mutual insurance is a non-profit form of organizing an insurance fund
Mutual insurance is a form of protection based on an agreement to indemnify for accidental losses. It is implemented through a special fund consisting of contributions. Insurers organize a society in which they are responsible for the execution of various operations
Insurance company - what is it? Structure and functions
An insurance company is a financial body that provides insurance services to individuals, organizations of various forms of ownership
Retroactive period in the insurance business
What is a lookback period? What conditions must be created to include this provision in the insurance contract?
OSAGO: fake policy. How to distinguish from the original?
Due to the fact that prices have risen on OSAGO, a fake policy is much more common today than it was before. Drivers deliberately take the risk that in the event of an accident they will have to pay monetary compensation out of their pocket. But, of course, they expect that this will not happen. It also happens when, having ordered a document, they later find out that the OSAGO policy turned out to be fake. Today's article is devoted to this problem, the scale of which is only increasing so far
Electronic OSAGO: customer reviews
When insuring, it is important to remember that in any case, a person living in our country, after purchasing a vehicle, is first obliged to insure it. For the absence or overdue date of insurance, large fines are prescribed in the legislation of the Russian Federation
Check the OSAGO policy for PCA - step by step instructions and recommendations
The article describes how to check the authenticity of OSAGO on the official website of the PCA. The main types of false policies are also considered
"AlfaStrakhovanie", OSAGO: reviews, calculation, registration, renewal
AlfaStrakhovanie is a full member of the Russian Union of Motor Insurers, whose status is confirmed by law
How much does car insurance cost? Where to get car insurance
Information about how much it costs and where to get car insurance is very relevant at the present time. After all, according to statistics, every second citizen owns a car. What affects the cost of the policy, which company is better to apply to, the rating of companies? You will learn this and much more by reading the article
"Rosgosstrakh": customer reviews of the insurance company. Customer reviews of NPF "Rosgosstrakh"
Rosgosstrakh is a large insurance company that has been operating in the CIS market for over 20 years. There is a wide range of insurance products for every taste. Reliability is something you shouldn't skimp on
Insurance company "MetLife": customer reviews, services, contacts and description
This article will tell you everything about the insurance company "MetLife". What does she offer? Are customers satisfied with the service? What advantages and disadvantages does it have?