The company was founded in 1993. The company name is "Insurance Company North Treasury", the organizational form is a limited liability company. The abbreviated name of the organization is IC North Securities. The current General Director - A. Merenkov - has been heading the company since 1996.
Company Information
Severnaya Kazna LLC has 4 founders, these are: General Director A. Merenkov, A. Ufimkin, Ural-Avia CJSC and Invest-Garant LLC.
The size of the authorized capital (according to the data for 2012) is 6,269,304 42 rubles. The rating agency Expert RA assigned Severnaya Kazna a level of reliability A III. This means that the organization has sufficient financial stability to fulfill obligations in the near future. When evaluating in the future, an analysis of the company's stability revealed a dependence on market relations and the situation in the field of insurance services. Therefore, she was assigned the 3rd level of reliability in subgroup A.
What does the Northern Treasury insure?
The insurance company "Northern Treasury" provides insurance for both individuals and organizations. There are only 5 areas of activity - car insurance, health insurance, real estate, traveling abroad and business insurance (risks).
Various programs are being implemented in these areas. In total, 17 products are offered that can be purchased at company offices and insurance stores.
Services of the Northern TreasuryCar insurance | Compulsory Insurance Policy ("CTP") Extended Insurance Policy (CASCO) |
Health insurance | Voluntary honey. insurance Insurance policy against accidents, illnesses, death Tick bite insurance program |
Property insurance | Personal property insurance against various risks and buildings (houses, baths, etc.) |
Holiday insurance | Insurance policy traveling outside the Russian Federation |
Business insurance | Property insurance Compulsory insurance of hazardous industrial buildings |
Insurance company "Northern Treasury". Reviews
Auto insurance is a priority area of activity of any insurance company, including the Severnaya Kazna branch (Nizhny Novgorod). Customer reviews on 2 insurance products - "CASCO" and "CTP" - are very mixed. There are many satisfied people who either did not encounter payments and did not end up in an accident, or everything went smoothly in their insured events. Statistics is a dry thing. Judging by it, ¾ of the clients who entered into the insurance contract “CTP” or “CASCO” received their amounts. The question, however, is whether in full and in what period they were produced?
The payment mechanism is the same in all firms. The insurance company "Northern Kazna" reads customer reviews, listens to them and makes every effort to resolve the issue in each case of dissatisfaction. And it comes down to two aspects - the delay in payment and underestimation of the amount, the size of which many customers do not know until the very last moment. Why talked about the mechanism? The fact is that after submitting the entire list of necessary securities, the company appoints an independent examination to assess the damage caused. And it is precisely the amount of payment for the "independent" examination that causes the majority of customers to be dissatisfied and perplexed.
Reviews on "CTP"
July 1, 2003 - the day the introduction of compulsory motor insurance in Russia. Already on June 10, Severnaya Kazna received a license for insurance under OSAGO. Customers have since begun to leave reviews in large numbers. Moreover, they are not always positive. Many insured persons receive their due funds only after lengthy litigation, where the North Kazna insurance company is the defendant. Feedback on the payments and actions of the insurer, it is worth noting, in most cases negative.
There are several main areas of complaint:
- Small payouts.
- Long wait for translation.
- Refusal or adoption of a biased decision of the appraisal examination, which can be changed only by going to court.
Branches of the company "North Treasury" (insurance). Job reviews
Today, Severnaya Kazna has its representative offices in 93 cities of Russia, the central office is in Yekaterinburg. The main goal of the company’s management is to increase the area of presence in the regions and the emergence of new offices, 2010 is a very vivid example of this (most of the branches were opened just then). In addition, the management also sets quite specific goals for the employees of the entire branch network:
- Clients' needs must be fully satisfied at all stages of cooperation - from the conclusion of a transaction to the payment of insurance events when they occur.
- Insurance of clients of any income - ordinary citizens are served along with VIP-clients.
Among the employees of the company, a large percentage is occupied by sales managers of insurance services, which is associated with the positioning of "yourself" as an insurance store. Leadership is not so numerous. And if you look closely at the rating of the Northern Treasury, it immediately becomes clear where the unfavorable reviews come from.
Here's the thing: the company is developing, so there may not be enough money on its accounts for insurance payments. Especially when you consider the scale of the activity. But the money is still paid, because it is the responsibility of the insurance company. Indeed, sometimes customers are delayed by payments, hence the understandable discontent.
Why are they insured there, or What good is there in the Treasury?
As for insurance programs, the company is trying to minimize the base rates for various products. Holds campaigns to attract customers, organizes the release of its own print publication on insurance and services market trends. Among other things, the telephone is organized around the clock customer support. When contacting a call center, the client will receive a response to his appeal within a short time.
Severnaya Kazna Insurance Company receives customer reviews in real time thanks to its internal quality service. Therefore, objective reviews of activities can be left both on the Internet and by phone. And by the way, every negative feedback or indignation of the client does not go unanswered - the company's employees are making efforts to resolve the issue. Or they try to do it, but the main thing is that they do not ignore the insured.
Popular rating
Monitoring all kinds of resources to assess the performance of the company on the part of its customers who had an accident showed all the same problems - long payments, understatement and court cases against the UK.
On a five-point scale, the rating of an insurance company fluctuates around 2 units. At the same time, in percentage terms, approximately 25% of clients recommend Northern Treasury and are satisfied with their cooperation with it, while the remaining 75% in most of them seek payments only through the courts. In this case, the company loses more money than with a voluntary and timely payment. The plaintiffs claim additional costs, which the UK, in a court decision not in her favor, is also forced to pay.
Parting words
Everyone makes a decision on insurance based on their own convictions and the prevailing opinion. The company "North Kazna" is not hopeless, since its position in the ranking among 400 insurance companies is stable for many years and has never dropped below the 40th line.
In 2013, Northern Treasury ranked 32nd. Stability is a sign of skill, as you know. Therefore, every year the existence of the company, no doubt, becomes better than the past, and the level of service is growing. And the financial problems that exist now, with proper management and focus on improving indicators, will be solved. Undoubtedly.