Choosing an insurance company is a responsible and difficult issue for many customers. There are many companies on the insurance market that offer their services. Each organization has a number of advantages and disadvantages. Having studied the information on the integrity of a company, it is easier to make a choice.
About company
Gaide OJSC (insurance company) has been operating in the Russian market since 1993. The central office of the organization is located in St. Petersburg. Since 1998, the company has been located in the center of St. Petersburg on Khersonskaya St., 4.
The company has a major partner in the face of Lloyd’s of London Insurance Corporation. Since 1996, Haide has partnered with Fitzmaurice Management Ltd. The company has a network of offices and representative offices in the Northwest District of Russia and Moscow.
"Hyde" has the appropriate licenses, which provide the right to provide 16 types of insurance services. Among the reinsurers of this organization, one can distinguish such large companies as Partner Reinsurance Europe Limited and SCOR Global P&C. Due to the high professionalism of employees and the desire to provide high-quality services, reviews about the insurance company "Hyde" indicate a high degree of social responsibility and integrity of this market entity.
Features of the insurance company
"Hyde" makes various offers, among which special reinsurance programs are highlighted. They are developed in conjunction with the largest reinsurance dealers. The company is rated "A" by the largest rating agency "Expert RA". However, in 2014 the agency lowered the reliability rating of this company to “B ++” - an acceptable level of reliability. Therefore, the forecast for the rating "Hyde" shows an equally probable decrease. There are mixed reviews about the insurance company "Hyde", therefore it is impossible to speak with confidence about the provision of quality services.
"Hyde" offers profitable car insurance and property insurance programs. Using an online calculator, any potential client can make an indicative calculation of the insurance policy. Haide is a successful company that has its own modern medical center, technical service station, emergency commissioner service and a round-the-clock information center. However, negative reviews about the Hyde insurance company indicate that customers do not always receive the full amount of insurance compensation for losses incurred.
Types of services
The insurance company provides 16 types of insurance. Haide offers the following types of insurance products:
- Water hull insurance (insurance of yachts, boats, etc.).
- Property insurance (cottage, house, apartment, household property).
- Life insurance.
- Accident insurance.
- Travel Insurance Programs.
- Health insurance.
- Auto insurance (DSAGO, CASCO, CTP).
Company benefits
Reviews of the insurance company "Hyde" note the following advantages of working with it:
- Since the head office is located in St. Petersburg, customers can quickly resolve issues arising in the execution and conclusion of insurance contracts.
- A wide selection of medical clinics. The company has entered into about 250 contracts with various medical institutions. This provides a high level of service and comfort.
- The round-the-clock dispatch service provides an operative call to doctors at home, ambulances, assistance in choosing a medical institution, etc.
- Constant quality control of medical services.
- Providing additional benefits when concluding an insurance contract.
Disadvantages of an Insurance Company
Practice shows that even companies with a high level of reliability and trust do not provide insurance services in the best way. Therefore, you should pay close attention to customer reviews of the selected insurance company. Rating agencies have repeatedly lowered the level of reliability of "Hyde", so this fact must be taken into account. Gayde Insurance Company in St. Petersburg receives diverse reviews from customers in various branches. Many say that in some units professional and friendly employees work. Other branches are characterized by incompetence of the staff and a long conclusion of the contract. Along with this, insurance payments for the services offered do not receive the best reviews. Some reviews suggest that employees do not always conduct full consultations, and do not inform customers about the nuances of providing services. Some clients note unreasonable rudeness on the part of specialists. This negatively affects the overall ranking of the organization. Many reviews say that it is quite possible to get insurance payments, but this can take a long period of time.
Part of the reviews about the Hyde insurance company on CASCO complains that car insurance in this company leaves much to be desired. In most cases, funds are transferred in installments or delayed. Therefore,insurance company "Hyde" reviews about CASCO in St. Petersburg have different, because in certain cases, the organization refuses to pay the amount of compensation, citing the lack of an insurance event. Separate attention deserves car repair by applying insurance from this company. Customer opinions on this issue are significantly divided. There are grateful reviews about the Hyde insurance company in St. Petersburg, since the insurers managed to get the insurance payment on time and in full. Another part of clients claims that getting many situations does not belong to the category of insured events, therefore, it is impossible to receive compensation.
Insurance Company Reviews
Insurance company "Hyde" is not always conscientious in relation to insurance claims payments. Some customers talk about boorish attitude and incorrect behavior of employees. Negative reviews indicate that the company covertly sells additional services, including apartment insurance and life insurance. Some clients say that employees irresponsibly do their job, because insurers have to run after the insurance agent. There are reviews that indicate good work, because at the first appeal, the company reimburses money for the damage.
Some customers are convinced that the company aims to collect the maximum possible number of insurance premiums, but pays the minimum amount of insurance compensation. It is difficult enough to objectively evaluate an insurance company by reviews. However, a large number of negative comments indicate the presence of a problem, which is expressed in the underestimation of insurance compensation for payments to policyholders. The insurance company is, first of all, a commercial organization. Therefore, the main goal of its activities is to make a profit. In the insurance company "Hyde" there is a whole department that deals with the settlement of losses. This unit has its own plan, which is to maximize insurance reimbursed insurance.