There are a lot of insurance companies in our country. There are all-Russian, whose central offices are in large cities, and branches are scattered throughout Russia. There are local companies that are usually engaged in a narrow type of insurance, for example, motor third party liability insurance, and exist only in this territory. The minus of the latter is that if something happened in you or the property insured in such a company in another region where it does not have a representative office, it may refuse insurance payments or you will have to seek financial coverage for the damage for a very long time. Also, these companies often close for unknown reasons. That is why it is worth contacting large insurance organizations with an already established reputation. One of these companies is RESO-Garantia. Most likely, everyone saw its branches in their city. In the article we will tell about the company, its services, as well as the addresses of RESO offices in Moscow and how to get to them.
About company
The insurance company RESO-Garantia has been operating in the market since 1991. It is one of the largest insurance companies in Russia - it has about 860 offices throughout the country and more than 10 million customers as of 2016. The company provides the population with more than 100 types of various insurance services.
The RESO insurance company has the highest degree of reliability, has been repeatedly recognized as the best in various categories, and the services comply with international standards.
RESO is a group of companies. It also includes SMK RESO, an insurance medical company that provides compulsory health insurance and has successfully served several million Russian citizens for over 20 years.
The group of companies also includes:
- "RESO-Car service" (car service, service station, where the insured cars that suffered in an accident send, when the policyholder decides to repair the service station, and not receive payments on hand).
- Bank "RESO-Credit" (engaged in the issuance of loans, registration of deposits for individuals and mortgage lending).
- RESO-Leasing (a company that leases cars and trucks and special equipment to companies).
- Other insurance companies operating abroad (in Belarus, Ukraine, Kazakhstan and Armenia).
The services of the main one of the RESO-Garantia company are divided into several categories: services to individuals, commercial entities and additional. The list of the latter includes calling an agent, making an appointment with a doctor, calculating the cost of insurance, issuing an online policy and others. The first two categories of services are discussed below.
Services for private clients
In the company "RESO-Garantia" private individuals are provided with a wide range of life and property insurance services:
- Car insurance (CTP, CASCO, online purchase of a policy, technical assistance on the road to their customers).
- Real estate insurance (house, apartment, garage, land).
- Life and health insurance (travel insurance for obtaining a visa and traveling abroad, from accidents for children, adults or drivers, compulsory medical insurance, voluntary medical insurance).
- Green card for traveling abroad in your car.
- Mortgage insurance (insurance pays the amount of the mortgage to the bank in case of death or complete disability by the borrower, protects against risks, loss of ownership of real estate).
The cost of all services can be calculated using the online calculator. Moreover, the cost is shown immediately after the calculation, you do not need to enter an e-mail or phone and wait for the calculation on them. A list of necessary documents for processing each type of insurance policy can also be found on the official website, as well as the rules and conditions of insurance.
According to the law, the occurrence of an insured event must be reported within 3 days, and documents must be brought in and an application for payments to be made within 10 days after the incident. Subject to deadlines, there will be no further problems.
If you have suffered as a result of an insured event, you will need to provide a certificate stating that you were on sick leave and therefore could not visit the insurer for an expired time. You should also act with travel paper.
Services for corporate clients
The range of services provided to corporate clients is also quite wide. The company offers the following types of insurance:
- Auto insurance (registration of insurance policies and additional insurance for commercial vehicles - cars, trailers, minibuses, vans, trucks, etc. The policy protects against damage and theft).
- Property insurance (overcoming the risks associated with troubles with real estate, equipment, raw materials, finished products, business papers).
- Medical insurance for employees of the client’s company (voluntary medical insurance or compulsory medical insurance for which qualified medical care is provided in polyclinics or medical centers of the city with which RESO has contracts).
- Accident insurance (allows you to compensate for the harm to the health and life of employees as a result of accidents or illnesses, to protect the well-being of their families. Such insurance increases the prestige of the company in the eyes of potential and real employees and labor productivity).
- Liability insurance (involves the compensation of harm caused by third parties to a person who is fulfilling their normative duties, such as a lawyer, notary, judge, builder, doctor, etc. An insurance service is also provided for air or ship carrier activities against passengers and destinations to protect cargo and baggage).
- Cargo insurance (risks associated with the transportation of small and large loads are prevented).
- Construction insurance (insurance is aimed at preventing risks associated with the implementation of construction and installation works. Risks include loss of property, harm to third parties, etc.).
- Insurance of hazardous facilities (power plants, factories, gas stations, elevators, etc.).
The types of insurance provided to corporate clients may not be issued at all branches of the insurance company. In addition, a legal entity needs to collect a large number of documents and justify the reason for insurance so that the insurer does not refuse the service.
The insurer should also be notified of the occurrence of the insured event within 10 days, collect all the necessary documents and come to the office, or the personal manager will go to the insurer himself. With a legal entity, on the one hand, everything is simpler, on the other, on the contrary. It all depends on each specific situation and circumstances.
Features of insurance in RESO
Insurance at RESO-Garantia implies some features, including:
- Possibility of online registration of any insurance policy.
- The sum insured under the terms of the standard contract is non-aggregate. But the policyholder has the right to choose another option at his discretion.
- Compensation for damage caused to the vehicle can be paid both taking into account the wear and tear of the car, and without.
- A car is recognized as lost (not subject to restoration) if the repair is more than 80% of the sum insured.
- The terms of payment of damage and theft during auto insurance are a maximum of 30 working days.
Benefits of insurance at RESO
Benefits for individuals:
- The effect of certain types of insurance both in Russia and abroad.
- The ability to issue almost any policy online.
- A large number of services and additions to them.
- The cost of the insurance policy can be paid at a time or in installments.
- Guaranteed qualified medical care.
- When renewing or renewing the contract, there may be discounts on insurance.
- Special promotions apply.
These are the main advantages of applying for an insurance policy at RESO-Garantia. There are others specific to each policy individually. You can be told about them when contacting the office.
Benefits for corporate clients:
- Availability of social programs for small and medium-sized businesses.
- CASCO and VHI insurance is valid not only in Russia.
- The round-the-clock dispatching service and the service of personal doctors who monitor the health of the patient assigned to each of them and can come if necessary.
- There is an additional insurance program that provides consultations with foreign doctors in case of urgent need for this (for example, for life-threatening diseases).
- Guaranteed qualified medical care even if you are in another city or region in connection with a business trip.
- Treatment under the RESO-Garantia policy is cheaper than going to the clinic directly.
- A huge number of clinics with which RESO collaborates.
- Discounts on clinic services not included in the insurance conditions.
- Preferential insurance conditions for employees of a company that has entered into an agreement with RESO.
- Insurance conditions apply to employees working in branches of the insured company in other cities.
- Flexible insurance premium payment system (you can pay both at a time and every six months or once a quarter).
- When renegotiating contracts, additional benefits are possible.
- Replacement of car parts without depreciation.
- Payment of minor damage without presenting certificates from the traffic police.
- 24-hour dispatch service and consulting support in case of accident.
- A convenient form of insurance compensation for the client: restoration repair, payment of bills from the service station or cash payment for calculation.
- For motor transport enterprises with an insured fleet of 10 cars or more, the appointment of a personal manager of the VIP service department accompanying this agreement.
These are just some of the advantages given by different services that the company provides to its customers. Based on these positive aspects, it is worth saying that RESO-insurance offers fairly good conditions for both private and corporate clients.
Cost of services
As mentioned above, the cost of services can be calculated through the online calculator on the site. For different types of insurance, you need to enter different data. For example, to calculate the cost of the MTPL policy, you need to enter the experience and age, make, model and year of manufacture of the car, insurance region and the number of possible drivers.
Prices for services in RESO-Garantia fluctuate at the average level. They are not the lowest, but for a company with such a list of services and level of responsibility, prices are quite acceptable.
Main office
The company RESO is managed by the main office. Moscow for the location of the central office was not chosen by chance - all the tops of financial companies are located in the capital. And if something important happens on the market, then it will be possible to quickly understand and eliminate the problem.
In the main office (Nagorny pr., 6) there is a client department aimed at solving issues of private clients, a mortgage center and a payment center. General issues are dealt with by the general department. Potential insurers or clients with minor problems send them there. For insurance or other similar issues that managers can decide, it is worth contacting the nearest branch of the company. How to find the addresses of RESO offices in Moscow, we will tell further.
RESO offices in Moscow and how to get to them
The addresses of RESO offices in Moscow indicate that representative offices are scattered throughout the city. They are next to almost every metro station, which makes life easier for policyholders not only if insurance is necessary, but also in the event of an insured event. Here are some addresses of offices located in different areas of the city:
- Newspaper Lane 9. Office, which is located in the very center of the city 900 meters from the Okhotny Ryad metro station.
- Altufevskoe highway, 27. It is located at the Vladykino metro station in the north of the city. You can get from the metro to the office on foot or by bus from a stop near the subway. At the same metro station, in addition to the office at Altufevskoe Shosse, 27, there are 2 more: on Dubninskaya, 13, and in the Marfino area on Bolshaya Marfinskaya, 4.
- 36 Beskudnikovsky Boulevard. The office is located a little to the west than the previous one. The nearest metro station is Okruzhnaya (MKZhD). Getting here is quite difficult - you need to take another 6 bus stops from the metro. The office is more suitable for residents of this district of Moscow, the rest can find a representative office closer to home.
- Large masons, 2. It is located in the central part of the city directly opposite one of the exits of the Taganskaya metro station. The office has been operating for more than 15 years and provides a large number of services offered by RESO.
- Vavilova, 69. The office is located at the Profsoyuznaya metro station, from which you can walk to the company or take one of the buses stopping next to the metro. Also not far from the Profsoyuznaya station, in addition to the branch at 69 Vavilova, there are several more branches: on Leninsky 66, 49 Novocheremushkinskaya and 18 Profsoyuznaya.
- Aviamotornaya, 6. It is located near the metro station "Aviamotornaya". For several nearby quarters, this is the only office, because it lies closer to the Moscow Ring Road and the edge of the city.
- Ulitsa 1905 goda, 7. Quite close to the central part of the city and among elite residential areas, there is an office on 1905 goda street next to the metro station with the same name and several company offices located on 20 Mantulinskaya and 12 Krasnopresnenskaya embankment.
- 1st Novokuzminskaya, 6. The office is located in the southeastern part of the city near the Ryazansky Prospekt metro station. Not far from this station there are 4 more RESO offices: on Nizhny Novgorod, 32, Academician Scriabin, 1, Okskaya, 5 and Ryazansky, 45.
- 1st Kvesisskaya, 18. The nearest metro station is Savelovskaya. The office is located 7-10 minutes walk from the metro.
- 15th Parkovaya, 45. The most remote office from the center listed. Located at the metro station "Schelkovskaya" a few km from the Moscow Ring Road. Nearby there are several smaller offices that provide fewer services.
The rest of the addresses of RESO offices in Moscow can be found on the company's website (there they are even broken down by metro stations) or using any navigation application. There are offices both within the city and beyond the Moscow Ring Road. In case of urgent need, when you are in another city, you can find a representative office in this city or neighboring with it, because they are in almost every region and city.
Contacts
In addition to offices that are scattered throughout Moscow and abroad, information of interest can be obtained by calling 8-800-234-18-02 or through the feedback form on the company's official website. Regional phone numbers can also be found using the site.
Company reviews
The insurance company RESO-Garantia has earned a fairly good reputation for the years that it has already been operating in the market. If you rely on reviews about it, you can see that the company's rating is not 100% positive. This is due to the fact that not everyone thoroughly studies the insurance contract, which subsequently causes disputes, as well as how the staff behaves, and with periodic delays in insurance payments. But in general, consumers are satisfied with the price / quality ratio.
In general, when choosing one or another insurance company, one should not rely on reviews on the Internet, but look among the acquaintances of a real client of the company and find out all the pros and cons of insurance in RESO-Garantia from him.