"Companion" (insurance company): the license has been revoked. What to do? Where to go?

Today in news tapes more and more you can see information that the next insurance company has lost its license, and car owners who are its customers do not know what to do with their poles. Some believe that it is impossible to achieve the truth and to return financial investments is not realistic. Others turn to the court and believe that the legislation provides for such situations, and, accordingly, methods for resolving such disputes.

To date, the insurance company "Companion" revoked the license. What should I do for those who are clients of this organization? How to know in advance that the UK may lose its license? Is there a chance to return the money? Consider everything in order.

Which companies usually fall into the CB's stop list

The central bank of the Russian Federation has already closed about 31 companies and 17 private insurers. Similar measures are taken in relation to offices that do not comply with the requirements of the Central Bank regarding the financial stability and solvency of organizations. Thus, if the companies do not confirm their financial position, then such ICs are bankrupt, accordingly they are entered into the stop list and can no longer carry out their activity in the insurance of citizens.

Quite often the license is lost by the offices that provide the Central Bank with untrue data on the financial statements. Usually this is done in order to form insurance reserves. However, the recommendations of the regulator are not taken into account, which, in turn, is a rather serious violation.

According to this regulation, the Compagnon insurance group lost its license and got on the stop list on June 3, 2015.

Because of what else there is a license revocation

It should immediately be said that the termination of the company's activities can be due to a mass of reasons. It is not uncommon for the Central Bank to send inquiries to the organization, but receives nothing in return. This is the first signal that the company's activities are not being properly implemented. Of course, after this, global checks begin, during which violations are detected.

It is also worthwhile to understand that revoking a license is an extreme measure, which is used only if the insurer does not react to other methods of interaction.

In addition, it should be noted that saying that the IC Companion is bankrupt is not entirely correct. Since in this case there would be no problems for consumers of insurance services.

Bankruptcy

If this measure of restraint was applied to the insurer, then all victims are guaranteed to receive the payments due.

By and large, bankruptcy is a procedure necessary to realize the property of the UK. Such measures allow the company's assets to be sold to compensate the injured party, that is, motorists and other creditors.

Financial insolvency of the firm is proved in court. At the same time, the initiator can act, both the owner of the company and disgruntled customers.

History of the company "Companion"

How events developed in 2015 before that. Insurance company "Companion" was opened in 1998, under the name "Mid-Volga transport SC". However, after 6 years, the management decided to rename the organization into SOK.

Since the first day of work, the company has seen constant structural changes. In order not to scare off the clients, the insurers decided to rebrand and renamed the company into the Companion insurance group in 2007.

Since that time SK has started to actively advertise and quickly became the leader in sales of OSAGO and CASCO. In 2013, "Companion" even entered the rating of the largest insurers of the Russian Federation.

Such growth of positions was connected not only with sales of insurance policies to private car owners. The company actively provided services to legal entities. In total, 401 offices of this company were opened on the territory of the Russian Federation.

The insurance company "Companion" was located at the address: Samara, ul. Gagarin village, 141A, and at first the clients of the office left extremely positive comments about it. Thanks to favorable insurance conditions, the company was able to earn a huge clientele and earn 6.7 billion rubles in 2013. This amount was 87% higher than the salary of the UK in 2012.

At the end of 2013, Kompanion was already a member of the SAR and was a member of various insurance associations. Thanks to higher incomes, it became possible to conduct more aggressive advertising activities, which the firm used.

However, in April 2015, the insurance company "Companion" is closed for technical reasons. Customers of the firm are indignantly calling hotline phones, but it does not work.

Why was closed

As mentioned earlier, SOK was renamed. Until now, no one knows what exactly this rebranding was associated with. However, most likely, the owners of "SOK" declared themselves bankrupt, after which they could not re-enter the market with a "soiled" name.

Despite all the tricks, the management of Kompanion failed to comply with all the necessary instructions from the Central Bank, as a result of which the company adopted the most severe penalty - the deprivation of a license. The reason for this was the numerous negative feedback from the company's clients. Car owners complained that the insurance does not pay them money and refuses to take into account official statements and contracts.

Litigation

Initially, according to the decision of the Arbitration Court of the Samara region, the company was declared bankrupt. Within 6 months, the property of the office was to be sold in favor of car owners who had not received their money.

However, negative feedback and complaints from clients served as an impetus to more serious scrutiny of the UK's activities. During the inspections, it was possible to identify criminal actions on the part of the company's managers. Of course, after this a new phase of litigation began. To date, the insurance company "Companion" revoked the license. What do those who suffered from the criminal activities of this organization do?

How to recover damages for OSAGO

Today in many cities of Russia there is still a large number of deceived customers. Car owners who have suffered from the actions can not receive compensation. Many were very surprised to learn that the insurance company Kompanion had its license revoked. What to do in this situation, we will consider in more detail.

If a company has been revoked a license, the only way to receive money is to apply to a judicial authority. It is also necessary to prepare a pre-trial claim, a sample of which can be found either at the place of address or in the RSA (Russian Union of Car Owners). In the same organization it is possible to clarify whether the insurance company was actually deprived of a license or it was declared bankrupt.

The written claim states that the car owner asks to return to him an unused portion of the insurance premium. Also it is worth considering that the claim period is about 2 years. Therefore, you should hurry up and do not delay with the solution of this problem.

The most correct algorithm of actions is as follows:

• A pretrial claim is drawn up, a sample of which can be seen in our article or asked to the RSA. This paper (it must include the bank account of the car owner, to which the money must be transferred) is sent directly to the insurance service.
• After the company's management does not respond to the claim, a suit is filed, which is submitted to the judicial authority.

Hull

To terminate an insurance contract on a voluntary type of transaction, you must first apply to a special department for the settlement of losses, which must be in each organization that provides such services. To do this, you can send a letter to the head office of the company and request a refund.

If no action on the part of the UK has occurred, then you need to act on the same algorithm as in the case of OSAGO.

Is it real to return money

Under the law, the client has the right to terminate the contract with the insurance service at any time. After that, the company must return the remaining cash to it. But, as practice shows, this is not so easy.

One of the clients of Kompanion shared its history of attempts to return money from a negligent insurer.

When he decided to sell his car, he asked for services in this office. Since the car was purchased on credit, in the hands of the car owner there were several policies: OSAGO and CASCO. To save a little and get some of the unused funds, the driver turned to the Companion. After a while, it was decided to terminate the contract. Upon arrival at the company's office, the car owner was met by the only employee who informed him that the company had been revoked a license. She suggested that he fill out the application and return the document. However, this paper did not specify when exactly and how much money will be returned to the client. After 1.5 months the situation has not changed.

To receive any clarifications, the deceived client could not, because the company's office is closed, and the hotline phone does not work.

If an accident occurred

There are situations when a client of an insurance company gets into a traffic accident after the UK has revoked the license. In this case, it is possible to receive money only through the courts.

For the court it is necessary to prepare papers confirming the fact of an accident, a request for insurance payments, policies and a ready protocol of an administrative offense.

If during the court hearings it is proved that the company went bankrupt, then the deceived client will have to wait for the start of the bankruptcy proceedings. Usually the sale of company assets begins within 3 months after the recognition of bankruptcy. During this time, as soon as possible, send the appropriate application to the name of the arbitration manager with the request to add the car owner to the register of creditor's claims.

In custody

Having studied the history and reasons for the fact that the insurance company "Companion" has been revoked a license, what to do becomes more understandable. However, it is better not to fall into such situations at all. In order not to lose money, it is necessary to study in detail the contract with the insurer. The document must include all possible situations and outcomes. If the contract does not mention a possible bankruptcy or loss of a license, it is better not to sign it at all.