The insurance services market is developing at an unusually fast pace throughout the world, including Russia. In our country, there are dozens of large insurance institutions and hundreds of smaller ones, thus forming an entire business segment. That, in turn, serves the interests of other entities, protecting property and other values.
In our article, we will talk about one fairly well-known company in the Russian Federation, which could rightly be called one of the industry leaders. It is a worldwide subsidiary of the RSA Group. Moreover, the company described by us is engaged in a completely independent activity. In Russia, it is, at least, presented separately from the foreign parent concern as an independent entity. It will be about Intouch Insurance. Customer reviews, characteristics and descriptions of services, the reputation of the organization on the market - all this we will take into account in order to create the most complete picture of the company. And we will start with a brief presentation of the organization.
General information
So, the company "Intach Insurance" (St. Petersburg), as you might guess, operates in the insurance market, providing them to its customers. As indicated on the official website of the organization, it deals with various forms of insurance, providing protection to its customers in a variety of life situations.
For a better understanding of how wide the profile of this group is, we can give directions in which it operates. The basis of their business is probably car insurance - it is here that they pay the most attention to. The site presents the characteristics of this package of services and indicates that it is the "base" of the company. Such situations are probably most often encountered here, and the demand for such insurance is great.
However, in addition, the company may offer to choose insurance object by yourself. It can be life, health, any valuable property - it all depends on the activities of clients and the risks with which it is associated. We will talk more about each of the services below.
Story
Since insurance is an area where the choice of a partner is based on his reputation and trust on the part of the client, I would like to give some historical information about Intouch Insurance. We will present customer reviews a bit further in the following sections of the article.
So, on the organization’s website it is indicated that it began its work in 2008. Of course, this applies to the Russian division. It, in turn, even at the time of opening belonged to the structure of the Dutch group RSA. This is really a large holding company, covering several countries, including Russia.
Immediately after registration, only the Moscow office of the company acted. In 2009, it was decided to create two branches. They had to receive customers, work with them in a lively form of communication. Representative offices began their activities in Samara and St. Petersburg, but in the end the company closed the first facility, fully delegating its functions to the St. Petersburg office.
Capital and Ratings
An important role in representing clients about the insurance company is played by its capital and various evaluations by analytical agencies. As for the first, this information is available to the public - at the beginning of its activities, the Russian insurance company had a constituent capital of 755 million rubles.Subsequently, these funds were increased, and as of 2014, the amount of insurance payments of clients of this institution exceeded one billion.
With regard to ratings and ratings, in 2009, the 6th place among those offering CASCO services in the Russian market was won by Intouch Insurance. CTP and other types of insurance services, of course, are also available in its package.
There are, of course, other awards and ratings. In 2015, the company was awarded the highest reliability rating by the agency involved in the preparation of ExpertRA financial ratings. But, for unknown reasons, the insurance company took the initiative to withdraw this assessment. Perhaps last year it happened due to financial instability and various adverse business conditions.
In addition, according to various estimates, the company takes 24th place in attracting customers' capital (its portfolio contains more than 1.47 billion); and in the total volume of insurance payments - on the 27th (with an indicator of 908 million rubles).
In fact, the group has a lot of such achievements - they all in one way or another relate to the financial activities of the company and note its merits. All of them are posted on the official website. Each “Intouch Insurance” rating is described in detail in the “Our Rewards” section. It also provides comments by the Director General, Maria Malkovskaya, on some of them.
Services
As noted above, the company’s spectrum includes a wide range of services that it provides to its customers. Of course, they all belong to the segment of insurance and protection of what is of value to the client - starting from his life and health and ending with some material things.
Since each of these types of insurance carries some individual features, a description of all areas should be carried out, which we will do. And let's start, of course, with the sphere mentioned at the very beginning of the review - car insurance against any possible risks. Read more below.
Car insurance
So, all car insurance services are divided into two groups - these are CTP and CASCO. The differences between them are that the first service provides for driver liability insurance in case of damage to other persons. Such a service is mandatory by law and is issued by all drivers without exception. The second option that Intach also provides is CASCO. This is a slightly different, more optional direction. It includes protecting your car from damage of a different nature or theft - depending on the package of services chosen by the client. Car insurance under such a program is not mandatory, and its cost significantly exceeds the price of compulsory motor liability insurance. But with him you can sleep much more calmly without fear for your car. So, now a little more detail about each of the packages.
CASCO
The company offers a rather expensive car insurance service against any risks. In order to make it more accessible, there are a lot of options that can reduce the price of services. For example, it is proposed here to issue an insurance deductible - the amount that the client pays. When an insured event occurs, the amount of payment is reduced by the amount of funds paid by the client, due to which he can save up to 65 percent on the total cost of hull insurance. You can understand this in more detail if you read the information on the company's website or contact its representatives.
Other promotions are also held here. For example, “Flexible CASCO” implies the ability to take out full insurance for your vehicle without overpaying for possible minor problems. In this case, if you encounter minor damage to the car, you can pay 30% of the cost of the policy and get repairs, or refuse to refund and service the vehicle at your own expense. That is, it all depends on how badly the car was damaged.
In addition to those described, Intouch Insurance (customer reviews can serve as evidence of this) offers its customers a dozen different package services to save on CASCO.
CTP
Since this type of insurance is cheaper and mandatory, it will not be possible to reduce the amount by abandoning certain policy options or optimize payments in another way. At the same time, the company makes servicing such insurance more comfortable. For example, for customers who want to get more protection than is prescribed by law (for example, additionally arrange insurance against theft without a separate opening of the CASCO option) can do this under an extended contract.
Also, the company’s package of services includes “direct settlement” - assistance to victims of road traffic accidents to resolve a conflict with other participants.
Travel protection
Another type of service that Intouch Insurance provides is called travel and health and life protection. Registration of such a policy is mandatory for travel to another country. This includes various options, most often - accident insurance. The selection of the tariff is carried out on the basis of information received from the client about what exactly he is going to do on his trip. Accordingly, for a simple holiday on the ocean and for active sports, completely different conditions will be provided.
As indicated on the company’s website, a single comprehensive policy is issued for travel, the amount of insurance for which is 30 thousand euros. This includes health insurance (medical care), the cost of a relative’s visit in case of illness, the possible costs of interrupting a trip, and more. Additionally, luggage protection will be provided.
During travel accident insurance can be arranged on flexible terms - up to the point that the client will be offered to choose the term of the policy on his own.
Health
In addition to the above services, the company practices "smart" health insurance for its customers. It consists in the configuration of the most profitable and relevant policies at the most affordable cost. For example, this includes customer protection against accidents, as well as health insurance (in case of illness).
According to the information on the site, the total amount of insurance reaches 750 thousand rubles, and its effect extends to all countries of the world. It is noteworthy that the client is given the opportunity to choose the program according to which he wants to protect his health: a person can determine only one option or, on the contrary, get a comprehensive solution. An example of the first is the “Hospitalization” service (covering the risk of getting to the hospital and further providing the user with a policy of up to 1000 rubles per day for staying in the hospital).
An example of the second is a full package of services, which provides services in case of any deterioration in health or after the situation that caused it.
The restrictions set by the company on life insurance are quite flexible. For example, they do not issue a policy here only for pensioners older than 70 years. And of course, the company emphasizes the convenience and comfort with which everyone can conclude a service contract with the insurer.
Protection of wealth
Finally, one of the most popular is insurance on your property. It is easy to guess that in this case, for example, interior decoration, furniture, walls, roofing and much more can act as an insurance object. So, the risks covered by such a policy include: physical destruction (fire, explosion, bay), natural disasters, illegal actions of others (theft, set fire).
The company also recalls its convenient policy registration system, thanks to which with Intouch summer house insurance a house or apartment will pass in minutes. Read more about it in the next section.
Registration
The positive point, which is the “trick” of this insurance office, is the way to draw up an agreement and submit an application for the desire to receive such “protection”. If in other companies you should contact the office directly and deal with the organization on the spot, in the case of Intouch, a 3-minute phone call or sent message via the Internet will suffice.
It is this scheme of work that is called “smart insurance”. For even greater comfort, the client is offered to install a special mobile application on their smartphone. With him, getting a policy in this company is even easier!
The company accepted the vector for mobile development and customer appeals remotely even after it reduced the presence of offices in Russia to a minimum - they are in the capital and in St. Petersburg! This despite the fact that the insurer is working throughout Russia, successfully serving a huge number of people! This proves the amount of a billion rubles in insurance payments, which were announced in the group's report.
Social responsibility
In the article, which describes the entire activity of the Intach insurance company, one cannot fail to mention its social project, which shows how responsible this organization is in relation to modern society.
Intouch began a campaign aimed at promoting safe traffic on the roads. Drivers who did not exceed the speed for the whole day received a certain amount of money in their personal account. After all the participants of the action had accumulated more than a million rubles, all the money was sent to a fund that helps victims of accidents throughout Russia.
This initiative started back in 2012, after which it was restarted several times under different names. Obviously, this is an excellent form of cooperation between insurers and clients, which really bears fruit in the form of assistance to others.
Company reviews
Now that you yourself have learned a little about what this organization is doing, I would like to give the characteristics of the company's customers that we managed to find on the Internet. They describe the service in one of the two Intouch Insurance offices (their addresses are indicated on the website: in Moscow, the office is located on Suschevsky Val Street, Building 18 is a large business center Novosuschevsky. In St. Petersburg, the company is located on Marata Street , house 86A).
So, speaking in general, then on different sites with recommendations, we found a lot of both positive and negative reviews. The former were primarily characterized by the competence of the company, the speed of its work, the proper attitude of employees to customers, an adequate response to inquiries, and the quick resolution of problems within their competence. However, in addition to such comments, there are also negative ones.
In them, car owners (mostly) complain about the “trick” in the process of compensation, about mistakes made by the company's specialists, delays that arise in the future. Obviously, such an experience really takes place in the work of the insurer, and the reasons for this in most situations are the carelessness of someone or a banal set of circumstances. The ratio of “problem” cases is very small compared with the total number of resolved situations - and this already shows a positive trend in the company's work.
findings
The organization that we characterized in this article is part of a large holding. The fact that this financial entity is responsible for the operation of its “daughter” in Russia does not require evidence - therefore, there is no reason to doubt the reliability and solvency of “Intach” - this is obvious.
We can positively characterize the desire of the Russian part of this holding to optimize and simplify their work as much as possible, to make interaction with customers more profitable and fruitful.The development of a policy registration system via telephone and over the Internet, as well as the ability to contact a client through a mobile application, is a truly innovative approach that distinguishes the described company from its competitors.
Another positive is the wide range of services that can be ordered here. And life insurance, car protection, and assistance with arranging travel insurance - all this can be done in one company.
Judging by the reviews, shortcomings in the group’s work also happen, but the company, obviously, makes every effort to resolve problem situations in the shortest possible time and at the same time help the client.
In the insurance business, as noted above, the key factor is reliability and trust in the company. Both of these points are present in the activities of Intach, therefore, based on the results of this review, we make a positive assessment of the organization.
