Choosing an insurance company that would provide his client protection in the event of an insured event, it often becomes difficult. On the basic nuances of Insurance said Chairman of the Board USAC "Garant-Auto," one of the greatest players of the Ukrainian insurance market, which in mid-spring back to its historic name, which started work in 1992.
What you first need to pay attention to the client in selecting an insurance partner?
One of the main characteristics, which should be paying attention - is the degree of openness. The company should be as open as possible for its customers, both existing and potential. It is necessary to take into account the extent to which the company publishes the results of its operations, the conditions of insurance and, of course, the financial indicators. If a company, for whatever reason, can not provide the public with figures that reflect the state of the insurance portfolio, the value of insurance reserves, or the volume of insurance payments, maybe this company has problems. In the case of SC "Garant-Avto", the criterion of transparency is always observed. By the way, the presence of the site is yet another indicator of openness. Anyone who sees this company as an insurance partner, just go to the official website www.garant-auto.com.ua and read with interest the information. Is everything so transparent and accessible for the customer who chooses where insured? Yes, in our of transparency rule is enforced rigorously.
Data on the company's balance sheet, financial performance, net of premiums net of reinsurance, the volume of insurance claims, authorized capital, the size of shareholders' equity and reserves. This information is publicly available for everyone, and confirms compliance with the policy of transparency and openness. What is the level of payments and how this parameter is important when choosing a company? Against the background of the analysis of key financial indicators of the insurance company, you need to pay attention to the ratio of insurance premiums and insurance payments. Roughly, what portion of the premiums the company is ready to pay for insurance claims to its customers.
A good habit is the value of 45-55%. If this value is much less, the question arises of obtaining redress. That is, the company is reluctant to part with money, and expect to meet the obligations to the client is not necessary. If on the contrary, this figure is significantly greater than 50-55% then you should think about how long can this regime to work in an insurance company. Because in fact, the company operates at a loss, and in case the insured event, the company may not have sufficient funds to meet commitments. For SC "GARANT-AUTO" is the ratio of the first half of 2011 was 49%. This is a guarantee that when the insured event, the customer will receive compensation at the time and amount specified in the contract of insurance.
It is believed that in addition to the performance of the company, you should pay attention to which bank the company allocates its resources? Certainly, the reliability of the insurance company can also be judged on the basis of information about banks, the accounts which the insurance company puts your funds. For "GARANT-AUTO" is a strategic partner, "State Export-Import Bank of Ukraine", which as assets is a second-line rating of banking institutions in Ukraine. Reliability of the bank and the status of state, gives us reason to expect that a financial institution, and be confident in the reliability. Is there any IC "Garant-Avto" the transfer of large risks in reinsurance? And what is this? Additional sign of reliability of the company may assume the existence of large reinsurance partners, as the cover very large risks in the world it is often carried out by reinsurers. Reinsurance allows the company, which took a big risk for insurance, transfer of responsibility of another reliable insurance company.
As a result, if an insured event occurs, the client will receive a guaranteed payment, regardless of its size. Partners of IC "Garant-Avto" of reinsurance are foreign companies that are financially stable and able to guarantee payment of: Generali Holding Vienna AG, Moscow Reinsurance Company (Russia), CO "Ingosstrakh" (Russia), Swiss Re Germany (Germany), Swiss Re (Switzerland), AXA Re (France), SCOR (France), Hannover Re Stockholm Branch (Sweden), Polish Re (Poland). Almost all of these companies are behind more than a decade of work in this area, and during that time confirmed the quality of their work. What is the tariff policy is the company "Garant-AUTO?" Another no less important parameter to which attention should be paid in selecting an insurance company, is the adequacy of tariffs for a particular insurance program, compared to the average market price. This may reflect the company's ability to meet its obligations.
Why is this important? In fact, it's simple: a company that offers very low fares are likely to have problems with the formation of the fund for future payments. If it becomes necessary to pay for the insurance case, the funds can be extracted from the profits. Clearly, this is a negative impact on financial stability, SC, and sooner or later lead to problems. The company "Garant-Avto", which we take as an example, this criterion is also consistent. On average, insurance premiums, such as Hull, in "Garant-AUTO" is different from the average of the market by 10%. In other words, the company has a policy of balanced pricing and can assure our customers pay in case of loss occurrence.
The validity of these words can be seen by reading the news or reading the archive of payments of the company. How is the customer support if there was an accident? now attract the customer rates is difficult. At the forefront of service level, the ability to professionally and politely answering questions. Therefore, it is important to note the presence of an insurance company around the clock support service. Service, where you can go and tell about the accident or get advice about services provided by available insurance programs, what to do when the insured event, contact information for the nearest branch. The presence of such a service, which operates around the clock, it is confirmation of the real concerns of the customer, ready at any time to provide information and advice.
If we talk about SC "Garant-AUTO", then the company has at its disposal call-centre, which the operators are working around the clock and always willing to help. It's enough to dial the number 0800500456 0 Should I take into account the size of the network affiliates in selecting an insurance company? We can count on success only those companies that are well represented in all regions of the country. This company, with a developed branch network, which is in nearly every region has one of the main advantages, which is financial stability. And this will agree one of the most important parameters for the client. According to the Insurance Company "Garant-Auto" for the moment the branch network comprises 37 branches, 52 branches and 60 outlets. Plus, insurance services Insurance Company "Garant-Avto" are offered in salons and UkrAVTO Corporation. This can be considered a confirmation of financial stability. In other words, when the insured event, the company can meet its obligations to the client in full.
Moreover, when the insured event, the presence of offices in all regions of the country and qualified staff will help solve problems faster. What else can you advise clients to pay attention when choosing an insurance company? When choosing an insurance company we recommend to pay attention to the presence of large corporate clients. This suggests that big companies have entrusted their risks your insurance partner, confident in the reliability, financial stability and guaranteed payments, if an insured event occurs. Among Ukrainian companies that have chosen IC "Garant-Auto" as a partner of Nissan Motors Ukraine, Konica Minolta Ukraine, Good Water, Enran, UPS, Quasar-Micro IBM, Mirgorod mineral water plant, Chumak. Speaking of international companies and organizations, the insurance services Insurance "Generali Garant" enjoy novo nordisc, Beaufour Ipsen International, NOVARTIS, SIEMENS, BOSCH Rexroth, Sun Interbrew Ukraine, IBRD, EBRD, IMF and the UN Office in Ukraine. Also, SC "Garant-Avto" accredited in more than a dozen banks, which is not the first year working with the insurance and offer their customers products, "Garant-AUTO."
What can you say about such a source of information as feedback to the Internet? indirect sign and as practice shows, not the most reliable in selecting an insurance company may be monitoring the Internet for reviews of the company. Of course, this is a personal decision to trust or not trust what they write on the forums. It's no secret that good or bad feedback is often generated by the employees of insurance companies and competitors. In addition, contract reviews and has not been canceled. Or in order to whitewash his own company, or to spoil the reputation of a competitor. Moreover, the vast majority of reviews very often, does not contain any specifics. Clearly, the company that satisfied customers are not everything. And probably will not. Reviews of delays or delaying the payment is characterized by all the players of the insurance market in our country.
However, it is necessary first of all take into account that each separate case is individual insurance. And in each case there are many factors that influence the rate of payment. So to find out whether this is fact, and the reason for delays in payments, you need to consider in detail the situation. Moreover, statistics show, it was careless acquaintance with the insurance contract leads to the fact that the client can remain dissatisfied with the cooperation of a SC. Therefore, I would not take into account the Internet as the main criterion when choosing insurance. Unhappy is always, in any company. Another question that customers are satisfied with the company many times more, but they usually do not participate in the discussions.
Thanks for visiting Latest Insurance and Loan Information
No comments:
Post a Comment