CSG: reviews. Insurance company "Rosgosstrakh": rating, addresses

Practically every modern person thought about providing himself and his family with a normal life, pension and other insurance, no less important things, and often enough people turn their attention to the company of the CSG. Reviews about the activities of this organization are controversial, despite the fact that in this area it has been working for quite a long time and at the same time is the largest Russian insurance company to date.

In this article we will consider what insurance options are offered to this UK and what customers think about each of them. We will proceed from the fact that reviews of the company are the most important and reliable source of information about the company.

Life insurance

Depending on how savings are realized, classical life insurance is divided into two types: accumulative and risky. It should be noted that the normative definition of these concepts is extremely conditional and is based on the established practice of applying these terms.

Risky

Risk life insurance is a financial protection of the family of the insured person in the event that a person dies under certain circumstances, and this is clearly stipulated in the contract of the company RGS. Reviews about this service are quite contradictory, since many people either did not receive payments at all, or received them after rather lengthy proceedings, which is also not the most pleasant moment.

In such contracts, if necessary, insurance may also be added against any diseases or accidents, disability, the occurrence of fatal diseases. Any excessive accumulation in this case will not be formed, because all the money paid to the client ultimately goes to cover these risks, as well as to all kinds of expenses from the insurance company. At the same time, no less important is the fact that in this case any payments are completely excluded after the end of the insurance period through the CSG. Reviews are often left by people who tried to get their money at the end of the period, despite the fact that it is not provided for by this type of insurance.

According to the staff of the UK, the most common option for today is urgent insurance in case of death of the insured person.

Cumulative

Cumulative insurance provides for the gradual formation of savings, and it should be noted that it permanently includes a risk component that provides for the payment of this amount in the event of death or any other cases provided for in the contract.

To date, the most common option is the so-called mixed life insurance, when in the event of the death of the insured person or at the end of the term (if the insured survives to this point), in accordance with the contract, the specified amount is paid by Rosgosstrakh. Offices in Moscow and other cities often offer just such agreements. This type of insurance, judging by the reviews, has been popular since the time of the USSR, but it should be said that at that time it also provided compulsory insurance against any accidents.

Features

For this type of insurance, the following features are characteristic:

• Quite a long period, which allows gradually to form an impressive amount of savings in accordance with the contract, despite the fact that the contributions are relatively small at the same time;
• Guaranteed accrual of certain profitability on the investment in accordance with the contract, and in certain cases additional investment income may be provided.

Because of these features, insurance reserves for this contract will constantly grow throughout the term. Experts argue that if the contract is terminated on an ongoing basis, a person has the opportunity to get good money as a redemption amount - it's enough to come to the CSG. Branches provide such payments, regardless of location.

It is worth noting the fact that any agreements that provide for survivorship payments, including also various pension insurance agreements, apply to funded insurance. But at the same time, lawyers advise to pay attention to the fact that in itself life insurance in case of death is also considered to be cumulative, although it does not provide for the inclusion in the contract of the case of survival until a certain period. Reserves, according to such a document, will grow continuously throughout the insurance period, and their maximum they reach only at the end.

Timing

As for classification by maturity, there is short-term and long-term insurance.

In fact, there are no clear boundaries for this division, but the situation is somewhat different in the contracts of Rosgosstrakh.

Offices in Moscow are almost on every street, but, no matter what you contact, you will be told that short-term ones are policies that are issued for one year, but in reality it often happens that insurance Life for three or even five years is also called short-term. This is necessary in order to separate them from other types of agreements that have been concluded for several decades.

The cumulative option itself is long-term, regardless of the characteristics of the policy. At the same time, risk insurance in the majority of cases is short-term, but in practice, there are often such situations when it is drawn up in case of death by 10-15 or even 25-30 years.

Voluntary pension insurance

In the CSG, this type of insurance is a program with accumulation, by means of which a person can completely independently form a future pension for himself.

Such programs are part of pension systems in most of the countries of the modern world, providing the opportunity for citizens themselves to ensure their old age. At the same time, it should be noted that such systems do not depend on the financial capabilities of the state, but directly on the capabilities and desire of the citizen himself.

Employees of the UK say that there are several options for how the issuance of funds for the execution of pension insurance can be carried out:

• A one-time payment after a person reaches retirement age;
• Lifetime allowance;
• A lifetime pension with a guaranteed period of payment.

The latter option has one feature. If a person dies before the end of the specified period, the payment of the amount continues in favor of his heirs until the time specified in the policy expires.

It is worth noting the fact that in the CSG insurance of this type can have very different costs, and it depends directly on a number of factors. In particular, the price is determined by the age of the person, his gender, the time of pension accumulation, the planned amount of the deposit, the chosen payment format and the procedure for making contributions. At the same time, the client independently determines the amount of the amounts received, the retirement age and the frequency of making insurance contributions.

What do I need to know?

If, for one reason or another, a person dies before the agreed-upon age, all contributions paid to him by the company, including accumulated capital, will ultimately be returned to his heirs.

Not everyone turns their attention to the fact that in the CSG, payments provide for certain correction factors that allow you to protect your capital in case of inflation. Agree, this is quite important for our country, given the rather volatile economy.

If necessary, your pension agreement can be revised depending on certain life situations. Thus (and customers confirm this information), if you want, you can change the amount of payment or the age after which they begin to be carried out. Among other things, you can make additional contributions, which is also important.

Quite often it happens that the pension policy is a standard combination of risk insurance and investment deposit. That is, a certain part of the contributions is directed to cover risks, while the other part becomes a kind of investment. Thus, if the insured person dies or receives a disability, the company fully pays the amount to its heirs.

Here it should be said that the minimum possible percentage of savings under such a contract can be 4% per annum, and in the CWG, the policy may provide for even a larger amount of funds. However, we note that in the reviews often mentioned the possibility of receiving money only in accordance with the minimum rate, which is very distressing to current and potential customers.

Hull

Judging by the responses, to date CASCO insurance policies are in great demand in Russia, as the economic situation gradually more and more stabilizes, while banks massively provide citizens with loans for the purchase of cars, but at the same oblige borrowers to compulsorily execute the aforementioned Contract.

Some mistakenly believe that this term stands for "comprehensive car insurance, except liability", but in reality it is not so. This concept migrated to us from European practice and is an international legal term describing the procedure for the protection of any vehicle, including water or air.

Despite the fact that initially CASCO provides only insurance of the vehicle against all possible damages or theft, it is possible to protect a variety of additional equipment, as well as health and life - both the driver and passengers.

What affects the price?

Specialists note that the most crucial moment in the policy process is the choice of the optimal insurance option. Thus, there are several main factors in accordance with which the CGS (Rosgosstrakh) sets the price for the policy to be drawn up:

• Selected option. Today there is the possibility of formalizing a partial or full policy. Full provides for insurance against theft or damage, while partial includes only the last type of risk.
• Availability, as well as the size of the franchise. The cost of a policy decreases depending on how large the franchise is.
• Sum of insurance. Can be aggregate or non-aggregate (non-reducible). The option using the first ultimately leads to the fact that with each subsequent payment insurance savings are reduced. Hence, such a policy will be much cheaper than non-aggregate.
• Compensation for damage. There are several options, ranging from repair in a certain workshop and ending with a simple cash payment. In the majority of cases, the product of the CSG (OSAGO or CASCO) provides for repair in the SRT of the insurer. In addition, many stop at this option, because it has the most democratic value. In any other case it will be necessary to pay for the policy more.
• The procedure for calculating payments. Money can be transferred with or without wear. Do you prefer the second option? Then be prepared for the fact that the cost of insurance will increase significantly. This is confirmed by many people in their responses to the CSG.
• Experience and age of the driver. The cost of the policy directly depends on how experienced the owner of the car is and how old he is.

Recently, people do not often register CASCO in the CSG. The rating of this company is gradually decreasing, and in many respects this is a consequence of the fact that the network now has a lot of negative feedback regarding the lack of payments.

The organization itself offers fairly affordable terms of the standard policy, including such programs as "CASCO Econom" and "Elementary CASCO". Also, if a person did not get into any accidents, but at the same time decided to reissue the policy here, the insurance company RGS gives him a certain discount.

What do you need to pay attention to?

Considering that quite a lot of reviews contain information about non-payments from the company, lawyers recommend initially to get acquainted with the terms of insurance as early as possible before signing a contract if you apply to the CSG. Branches offer the same policies, but the calculated value should not be a decisive factor for you. You should as much as possible study all the points of the document, discuss all the nuances and determine the possibilities that can be used by you in the future.

First of all pay attention to the conditions of car storage at night. This item periodically appears and then disappears from the policy, but if it still exists, you should immediately understand that not all parking lots have the official status of protected and provide their clients with supporting documents.

In the contract that you are going to conclude with the CSG (branches often offer the same agreements), clearly such concepts as "hijacking", "damage", "theft", as well as "total car death" should be clearly noted, and they should not simply To be mentioned, namely to be revealed in details. Experienced drivers emphasize: if you do not insist on this moment, eventually in the event of controversial situations, you may be denied appropriate compensation for damage.

The section "Obligations of the parties" most clearly regulates the relationship between the client and the company. In particular, it says in which specific terms a person should notify the company about the arising insurance event. It often happens that failure to comply with the requirements identified in this agreement leads to denial of payments.

Addresses in Moscow

The company RGS (Moscow) allows you to apply to the branches at the following addresses:

• Kievskaya, 7;
• Krasnaya Presnya, 38;
• Myasnitskaya, 43;
• Leninsky prospect, 23;
• Novoslobodskaya, 31;
• Leningradsky prospect, 33.

Regardless of the address you choose to apply to the CSG office (Moscow is a metropolis, therefore there are many branches in the UK), you will be given absolutely identical conditions for cooperation. That's why you can always go directly to the office that is nearby.

Addresses in St. Petersburg

Branches of the UK under consideration are practically in every major city. It is quite natural that in St. Petersburg you can also find quite a large number of offices of the company RGS. Addresses are:

• Kuibyshev, 23;
• Tambovskaya, 33;
• Cash, 40;
• 1st Krasnoarmeyskaya, 13;
• Tchaikovsky, 8;
• Industrial prospectus, 25.

As in the previous case, all customers are offered absolutely identical conditions. And this in no way depends on which branch they want to use the services of the company RGS. Addresses we provide solely for the sake of that each person could choose the branch most suitable to him and arrange the policy of interest to him.

Instead of concluding

Thus, if you wish, everyone can apply for insurance today, regardless of where they live (in Russia) or their own age. At the moment, the offices of the company we are considering are present in almost every major city, and in large numbers, sufficient for each person to get the most convenient access to a representative office for processing an insurance policy.