RESO-Garantia JSC is one of the backbone organizations of the domestic market. The company was established in 1991. Licensed to provide more than 100 types of insurance services is IC "RESO-Garantia". The central office in Moscow is located at 6. Nagorny pr., 6. In total, the company has more than 800 branches and points of sale, as well as more than 20 thousand agents.
The proprietors
The capital of the organization has 31 million shares with a nominal value of 100 rubles. More than 50% belong to S. Sarkisov, another 5% - to A. Savelyev. In 2007, 10% of the securities were sold by the EBRD. Then the company entered into a reinsurance agreement with the French group AXA and sold 36.7% of the shares. The general director is Dmitry Rakovshchik.
About company
RESO-Garantia sales offices (Moscow) provide a wide range of services to individuals and corporate clients. The most popular destinations are car insurance (DGO, CASCO and CTP), VHI, property insurance, including mortgage, and travel insurance. Life and health protection services are provided by the eponymous subsidiary. The organization’s services are used by more than 10 million customers. The addresses of the RESO-Garantia offices in Moscow will be discussed in detail below.
The reliability and high quality of the organization’s service are evidenced by the maximum A ++ rating, which companies have been assigned by domestic analysts since 2009. In 2016, the company received a quality certificate according to the requirements of GOST ISO 9001-2015. He certifies that the management system used by the company in insurance meets the requirements of the GOST of the same name, and business processes comply with international standards.
Services
The insurance company has more than 100 licenses for the implementation of comprehensive programs. Individuals can apply for:
- tourist visa;
- VZR;
- "Green card";
- travel cancellation insurance;
- CTP, CASCO;
- VHI, compulsory medical insurance;
- mortgage insurance;
- accident insurance.
As part of the service program, the company provides high-quality and qualified medical assistance in case of harm to the life and health of the insured person. As additional options it should be noted insurance in case of loss of baggage (40 cu for each kilogram of lost baggage), documents, provision of legal assistance. Transport assistance is organized by Europ Assistance.
Under the Green Card program, the client receives protection of the property interests of the vehicle owner in the event of an accident with his participation in the territory of another state.
When applying for civil liability insurance, the client receives protection in case of harm to third parties. The basis for the payment of compensation is unintentional actions or inaction, confirmed by a decision of a court or authorized body.
The company compensates for losses from delays in the flight, train or water flight for which the ticket was booked with the client for 4 or more hours due to one of the following reasons: strike of transport company employees, weather conditions, transport malfunction.
Legal entities can additionally insure construction and installation risks, freight and transport cargo.
The company's customers are 40 million corporate and individuals. Including:
- Banks and financial organizations: UniCredit, Russian Standard, Moscow Currency Exchange, Zenit.
- Corporations: TTZ Ostankino, Golden Telecom, Vimpelcom, Megafon; GOZNAK, LLC National Broker.
- Foreign companies and their branches: Renault, Volkswagengrouprus, Danone, Chanel, Michelin, Berlin-Chemie.
Factors
The cost of the policy depends on the conditions of the selected service program, as well as on the age of the insured person. For policies issued for children (up to 1 year old) and pensioners (from 60 years old inclusive), a special increase factor is applied. Insured individuals who engage in professional sports are at greater risk of personal injury. Therefore, when assessing potential hazards, an increasing factor is applied . If there are additional options in the policy, the insured amount is proportionally increased.
Holding
The RESO group includes firms of Kazakhstan NSC, Belarus "Belrosstrakh", Armenia RESO, Ukraine "SIMPLE-insurance". Reinsurance services are provided by Hannover Re, SCOR, Munich Re, Partner Re, Sirius and Gen Re. The holding unites more than 30 companies involved in insurance, pension, development, leasing and medical business in the Russian Federation and the CIS:
- The managing organization is HC RESO.
- Insurance services are provided by: RESO-Garantia, QMS RESO-Med, RESO-Delta.
- The group of companies includes: Medilyuks TM, Scandinavia Clinics, Auto-Service, RESO-Leasing, RESOTRAST, RESO Credit Bank, SberFond, Coris Assistance.
RESO-Garantia: Addresses in Moscow, Head Office
The regional network includes 794 representative offices throughout the Russian Federation, of which 145 points of sale of policies are located in the capital. You can apply for a policy by contacting any department. What is the address of RESO-Garantia? The central office in Moscow is located, as already mentioned, at 6. Nagorny Ave., 6. It serves customers daily from 09:30 to 20:00, on Saturday from 10:00 to 18:00, and on Sunday until 16:00 . Most departments work on such a schedule, although some are open only on weekdays. For example, RESO-Garantia offices in Moscow (VAO) are open until 19:00:
- St. Weaving, 12.
- TD "Perovsky".
- Shchelkovo highway, 77.
In the same area you can find other offices in Moscow. RESO-Garantia in the City of Plenty supermarket is open from 09:30 to 20:00 on weekdays and from 10:00 to 18:00 on weekends. Addresses of other points of sale in which customers are served on a schedule of 09: 30-20: 00 on business days; 10: 00-18: 00 - Sat, Sun:
- St. 15th Parkovaya, 44-A.
- Izmailovsky Boulevard, 43.
- St. Stromynka, 19-a.
- St. Novokosinskaya, 32-a.
What other offices does RESO-Garantia have in Moscow (CJSC)? On working days from 10:00 to 19:00 only the office located at ul. B. Filevskaya, 19/18. The following RESO-Garantia offices in Moscow are also open on Saturdays from 10:00 to 18:00:
- St. Kievskaya, 19 (until 15:00 on Saturday).
- Etc. Kutuzovsky, 35.
- Mozhaisk highway, 42.
- Etc. Vernadsky, 78.
Additionally, on Sundays from 10:00 to 15:00 the following offices are open in Moscow:
- RESO-GARANTIA, ul. Yartsevskaya, 34.
- St. Militias, 11.
- St. Lukinskaya, 14.
- Rublevskoe highway, 50.
- Etc. Leninsky, 66.
- St. Novoperedelkinskaya, 13.
Many branches are also located in other AOs. The RESO-Garantia offices in Moscow (South-Western Administrative Okrug) also have the following:
- Etc. Leninsky, 45.
- St. Ramenki, 6.
These two branches accept customers on working days from 10:00 to 20:00, and on Saturday from 10:00 to 18:00. The following RESO-Garantia offices in the company in Moscow (SEAD) also serve customers on Sundays until 16:00:
- St. Vavilova, 91.
- St. Novocheremushkinskaya, 49.
- Warsaw highway, 88.
- St. Trade Union, 18.
- Etc. Michurinsky, 9.
- Etc. Michurinsky, 34.
Here according to such a schedule IC RESO-Garantia works. The head office (Moscow) serves primarily VIP clients.
Confession
Over the years, RESO-Garantia has received such prizes and participated in such contests:
- Laureate of the main prize "Golden Salamander" (2005, 2008 and 2011).
- Winner of the contest "Brand No. 1 in Russia" (2011).
- Winner of the "Financial Olympus-2010" award in the "Result and Success" category.
The fact that the company "RESO-Garantia", whose central office in Moscow is located at 6 Nagorny Ave. , is developing steadily, according to the following expert estimates:
- In 2010, the company took 132nd place in the Expert-400 rating.
- Standart & Poor's assigned a rating of BB + in 2012. Next year it was confirmed with a stable development forecast.
- In 2013, the company received a license to carry out "Compulsory Carrier Liability Insurance".
- In 2014, the Expert RA agency assigned a reliability rating of A ++ with a stable development outlook, and the National Rating Agency rated AAA. The same indicators were confirmed in 2015 and 2016.
Auto Insurance Issues
The Union of Auto Insurers (RSA) has initiated a new bill, according to which compensation for compulsory motor liability insurance will be made in kind, that is, covering the cost of repairs. This scheme will completely displace all cash from the market. There will also be no need for the services of "auto lawyers". They through the court seek to increase insurance payments, and for their services they take a percentage of the insurance premium received. "Auto Lawyers" are deceiving citizens and insurers. In 2015, they collected about 12 billion rubles.
The introduction of compulsory registration of CTP insurance policies is the first step towards the appearance of in-kind reimbursement. A single agent is a temporary measure, but in problem regions it will make it possible to switch to a direct choice of an insurer by a consumer. One can talk about the complete curtailment of agent activity after the introduction of in-kind compensation.
CTP insurance policy
One of the promising areas of the company is car insurance. But in order to draw up a policy, it is not at all necessary to apply to offices (RESO-Garantia in Moscow is one of the most popular insurers). You can directly obtain a CTPL insurance policy directly through the company's website. Let us consider in more detail how to do this.
For the initial and repeated submission of an application for an insurance policy, you need to go to the section "Extend the insurance policy on the Internet." Then you should register in your personal account, indicating your full name, phone number (aka login). Be sure to give consent to the processing of personal data and click on the "Register" button. After the "Data Check" you need to come up with a password and confirm it with a code from SMS. The notification is also duplicated to the specified email address. After clicking on the “Register” button, an error pops up for many users.
Despite the notification, the user is already registered in the system. This is indicated by the receipt of SMS with codes. You need to enter your personal account, indicating the phone number and password. In the menu on the left, select the "Apply for a policy" item. Customers who have already issued policies through offices in Moscow (RESO-Garantia - the insurer we are considering) will be able to see their list in the "List of policies" section. Right through the site, existing contracts can be rolled over. If the policy expires, you will have to create a new one.
In the application form, you must enter data about the car and driver. The company requests both standard parameters and additional ones. For example, full name driver’s date of birth, a series of driver’s licenses are mandatory details for filling out any policy. But why the company needs to know the location of the steering wheel, the number of passenger seats, the permitted mass when applying for motor third party liability insurance for a passenger car is unclear. When filling out the form, you need to pay attention to the following fields:
- “VU Date” - the date of issue of the first rights (if there was a replacement certificate).
- The card number is a 21-character number indicated in the notes. You can check the data in a recreation center on EAISTO.
It doesn’t matter if you decide to visit the RESO-Garantia company head office (Moscow) or any other branch, employees immediately enter data from the insurers database. If the client draws up a policy through the site, then first of all it is necessary to focus on the information of the old contract. They are stored in the AIS SAR and may not coincide with the data of the TCP and COP.
After filling in all the information, click the "Calculate" and "Save" buttons. You need to pay the policy at the indicated cost before the end of the current day, otherwise it will be canceled. The transaction is carried out through the Promsvyazbank gateway. Funds are debited from Visa / Mastercard plastic cards. After payment, the policy can be downloaded as a PDF file. Here's how to get a CTP policy without visiting offices in Moscow. RESO-Garantia does a lot for the convenience of its customers.
Caution! Clones
From January 1, 2017, insurance companies are obliged to sell CTP insurance policies. In case of failure to comply with this requirement or the presence of permanent technical failures, the insurer may be fined.
Such innovations immediately spurred fraudsters to create “clone” sites selling electronic CTP. Among the first on the market appeared visual copies of Rosgosstrakh, VSK and RESO. The addresses of these sites are similar to real ones, but they are framed by anonymous persons. There are also many sites of "intermediaries", which are generally prohibited by law in electronic OSAGO. Already even received the first complaints from affected customers. In case of purchase of the policy from scammers, funds are debited from the account, but the contract for e-mail is not received. Or, conversely, a letter arrives in the mail with redrawn PDF files of these forms, but with fake stamps and signatures. Such policies are not registered in any database, insurers for them are not responsible.
Reviews
The described company has been on the market for more than 25 years. To survive so long afloat, you need to have a streamlined system of work and quality management. Therefore, it is not surprising that the person selection process is put on stream. This is evidenced by the reviews of employees. The positions of agents recruit students and young people with no work experience. New applicants are invited to undergo free training lasting approximately two weeks, after which testing is conducted.
The first year the employee works on a salary of 30 thousand rubles. (before tax). Only after this period does career growth become available. Another drawback is that for the sale of the most popular product (insurance policy) premium is not charged. Such a rhythm of work withstands for everyone, as evidenced by the large staff turnover.
25th anniversary
In 2016 IC RESO-Garantia will be 25 years old. Over the years, the company has risen to third place in the list of market leaders. The organization employs 20 thousand agents, opened 850 branches and points of sale. Of the more than 100 types of services, the highest priorities are: car insurance, VHI, property protection, mortgage insurance, protection of life and health of tourists. The competitiveness of the organization in the market is determined by the professionalism of the employees for whose training a special “Insurance School” was opened. Those who pass it remain in the company.
2016 Results
The authorized capital of RESO-Garantia is 3.1 billion rubles. In 2016, she earned 100 billion rubles. For the first quarter of 2016 alone, the company took 1st place in terms of the number of CASCO policies sold, 2nd in OSAGO and VHI. The accumulated funds are planned to be used to purchase insurance companies specializing in compulsory medical insurance and voluntary medical insurance.
Over the past two years, more than 90% of electronic insurance policies issued by residents of the Crimea. The main reason is that the regional coefficient is 0.6. If it is canceled, then it will be easier to consider the cost of policies.
Reforms of e-CTP
In January 2017, 190 thousand electronic CTPs were signed - this is 60% of all policies sold in 2016. On average, companies sell 9-10 thousand policies per day. Most of the contracts were sold in the Krasnodar Territory (20.7 thousand contracts), Volgograd (9.7 thousand) and Rostov (9.5 thousand) regions,
During the same time, the PCA received many complaints from users who could not issue an electronic policy. An error occurred while redirecting from one site to another. In 50% of cases, the reason for the failure was that the client incorrectly entered the date of receipt of the first certificate. Another 30% of failures occurred after checking the region and the car. Inconsistency of the data in the PCA database, the difficulty of filling out the questionnaire and technical failures are the most common problems that clients encountered when applying for policies.
Punishment
In case of refusal to sell the electronic policy, the insurer may be fined in the amount of 200 thousand rubles. The punishment system is also provided for the replacement insurer, to the website of which the buyer of the policy is redirected. For constant technical failures, the company will have to pay 50 thousand rubles. for each non-concluded contract.