Independence insurance company (reviews of tourists claim that it is the cheapest insurance here, and besides, according to them, they quickly compensate for damage abroad in the event of certain health problems) thanks to its well-coordinated work, it has won the trust of thousands of people. Here they value their reputation, that's why everyone insurance claims consider as quickly as possible and with benefit to customers.
Company History
LLC IC “Independence” operates under the brand name “Important”. This is a relatively small insurance company in terms of insurance premiums. In 2015, it ranked 62nd in terms of premiums from insurers and 20th in hull insurance.
In 2015, the insurance portfolio accounts for 69.9% of CASCO insurance premiums, 18% - income from medical insurance. In Russian regions, the company does not have official representative offices, and its main office is located in Moscow.
The company began its activities in early 2002. At first, the company was simply invisible against the background of competitors and did not give tangible results in its activities. At that time, it occupied 439th place in the insurance niche, and contributions amounted to only 225 million rubles. Moreover, most of them accounted for property insurance.
Independence Insurance Company (customer reviews claim that the company does not always promptly resolve CASCO issues, and you have to wait for the car to be inspected and paid within a few months) began its intensive development path in 2012. At this time, the insurer intensively establishes its relations with various banks and enterprises. Among them are “Russlavbank”, “MK-AUTO”, “Dzhidiay Limited”.
Recently, one of the most promising areas in the work of the company has become life and health insurance. Since 2014, IC “Independence” began to use the direct insurance model in its career, where the sale of policies and the solution of all insurance issues are carried out online: quickly and mobilely.
The company positions itself as a universal insurer, dynamically introducing electronic services. Its activities are mainly focused on the protection of transport, medical cases and financial risks. Policies are distributed through a large network of agents, affiliate banks, car dealerships. Still there is their intensive sale via the Internet.
The insurance base of IC “Independence” in 2015 approached the amount of 1.81 billion rubles, this figure was slightly less in 2014 - 1.28 billion rubles. The lion's share here is given to contracts with individuals and amounts to 97.21%. Interaction with legal entities is not so active, and the share of agreements concluded with them is 2.79%. Payments for 2015 are estimated at 543.91 million rubles.
The bulk of insurance premiums are accounted for by CASCO - 69.9%, about 18% for accidents and illnesses, the remaining part is allocated to financial risks - this is 9.68% and liability insurance – 1,99 %.
In order to reinsure itself and all kinds of risks, the Independence insurance company (reviews of some people claim that technical customer support by e-mail works very quickly and really helps to solve problems) interacts with large reinsurance companies both in Russia and abroad. The main partner in this area is the French company SCOR.
The authorized capital of the insurance company as of April 1, 2016 was equal to 650 million rubles.
Insurance policy
Any insurance payment and its size are regulated in Insurance Independence by insurance rules. This large and complex document covers all issues related to insured events and is quite loyal to customers. All documents in expanded form can be found on the official website of the company "Important".
Independence insurance company (customer reviews state that the company often delays the assessment of damage, repairs and often refuses to pay the required contributions) in the rules describes in detail the subjects and objects to be insured. It determines insurance events and payments, regulates the insurance amount, tariffs and premiums. Here, the legal entity determines how long the contract should last, how it is executed, what insurance conditions must be followed, and when the contract is considered invalid.
This document describes in detail the rights and obligations of the parties, helps to assess the amount of losses, insurance payments, and to take into account cases of possible refusals of compensation. Defines exceptions and limitations.
Before signing the contract, it is very important to study insurance policy in detail, and to find out all incomprehensible points in a timely manner from a specialist. Only in this case can one count on decent compensation for damage and avoid misunderstanding between the parties.
The main activities of the company
Insurance company activities are carried out in five main areas:
- Tourism. This is travel insurance in case of flight delay, baggage or trip cancellation. Insurance is provided for accidents during flights, as well as compensation in case of late aircraft to dock. It is possible to insure accommodation during the trip. Here athletes involved in active sports can protect themselves. Visa insurance is provided.
- Transport. It includes two main programs: CASCO and insurance against all kinds of accidents in the event of an accident.
- Life and health. Accident insurance for children and adults, including athletes. Compensation for treatment of critical diseases and emergency medical assistance is provided. There is an option of insurance in the dental field and in road accidents.
- Property. This area provides insurance for various types of real estate (apartments, houses), as well as bicycles and SUVs.
- Animals. Pet insurance is provided, but only dogs and cats.
Each of the mentioned types is regulated by certain rules and is confirmed by relevant documents. The amount of insurance premiums for any category can be calculated on the calculator on the official website of the company.
Independence Insurance Company: rating
How is the organization evaluated by experts? Judging by the reviews, during its work, Independence IC managed to establish itself in the best way, which, of course, rating companies could not fail to note. Thus, on December 30, 2015, Expert RA agency rated the company's reliability at B +, which characterizes it as an enterprise with stable performance and level of development. In addition, in order to reduce its risks, the insurer is constantly reinsured in other areas, including the world famous SCOR.
CASCO from "Independence"
The insurance company "Independence" CASCO refers to the most basic type of activity. And it is this type of service that brings her the main income. Any insurance, both in this area and in other areas, is regulated by the rules.
The most important points in CASCO insurance are as follows:
- The insurance amount is not reduced by the amount of the payment made, unless otherwise agreed upon by the contract.
- The insurer makes compensation for the amount of damage without taking into account wear of the vehicle parts.
- According to the rules, constructive loss of transport, that is, when damage from damages exceeds the cost of the car itself, which is equal to the total loss of the vehicle, is paid in the amount of 55% of the insured amount. This percentage by mutual agreement of the parties may vary.
- The percentage for car wear in the first year of insurance is 20%, in the second - 15%, and in the third and subsequent years - 10% and is distributed in proportion to the months.
- The deadline for submitting a written application is up to ten business days.
- Upon hijacking, the victim must report the loss of the car within three business days.
- The term for payment of compensation and theft may last, according to the basic rules, no more than 22 business days.
Independence Insurance Company LLC, in addition to the main risks, compensates for:
- spoilage, theft of a removable trunk;
- glazing damage;
- lighting failure;
- damage from natural deterioration of the vehicle;
- violation of the integrity of tinting.
It also indemnifies for losses incurred due to unexpected collisions with people, animals, objects, as well as damage incurred due to objects flying out from under the wheels and through the fault of road and municipal inspections.
A new round in insurance
Recently, the company has created a special niche of services called “New Insurance”. According to customers, this is a special range of understandable and simple service that helps solve ordinary everyday problems. And all this can be done without leaving your home, online. In order to use a certain type of service, it is not necessary to contact the head office located at Moscow, Prospekt Mira, 3, building 3, but you can get everything you need without leaving your computer, you just need to go to the official website of the company “Important ".
To resolve disputes, an initiative group of like-minded people was created, ready to assist customers at any time convenient for them, either through the website or mobile application, or by telephone. All specialists of the company have experience in the field of insurance and consulting, and are endowed with a special insider flair that helps them carry out their work in the difficult conditions of the Russian market. According to experts, this is a completely new level of service and communication, which significantly improves the quality and accelerates the provision of insurance services.
The company's innovative methods operate in two main directions - a new settlement of insurance claims and a special mobile application. Here you do not need to wait a long time for a courier with a policy, and all copies of the necessary documents are sent to the email of IC Independence.
The company does everything possible so that a person receives the necessary services at the most convenient time for himself, without leaving the office, without wasting time on the road and not standing in line for an appointment with a specialist.
"Service of happiness", or quick resolution of problems
Independence Insurance Company (Moscow is the main and only region where the company's official office is located) has been working steadily for many years. The goal is to make people happy. To solve this problem, there is a special “Happiness Service” on the company's official website. She does everything possible so that the insured event does not become a problem for the client, so the support phones work around the clock. Also for the convenience of the visitor on the site there is feedback. So if any insured event occurs, you just need to contact the organization.
The work of the company is organized so that people spend a minimum of time and effort. Here, cases are almost nullified where certificates from the competent authorities may be needed.All settlement conditions are described in detail and clearly in the policy, and in the event of insured events there is almost no misunderstanding between the client and the company.
Judging by the reviews, “My Account” and a special mobile application allow you to quickly resolve losses. You can contact the company, upload a photo from the scene, or inform the insurer about a flight delay from anywhere in the world. Also, almost immediately you can get insurance in an electronic wallet or bank account.
A special system of push notifications constantly keeps the client informed of what is happening and informs him of the status of his case.
About company website
The company’s website is the main working platform of the insurer, here you can arrange, without leaving your home, all the services provided by the company. To do this, you must first go through a simple registration system on the official website of "Important".
Here you can also calculate insurance premiums on a calculator, choose the most suitable insurance option and, if necessary, seek advice from a specialist using feedback or by calling the 24-hour telephone number.
The site contains all insurance rules, which can be found right there, and if you want to copy them to your computer.
Insurance for a visa, like other services, can be issued here in just a few minutes. The site system also allows you to quickly activate the policy, just enter the activation code and the number of the box or receipt, plus a phone.
As you can see, everything is simple, convenient, fast and affordable. The system is thought out to the smallest detail and at the same time simple, understandable to every client.
Contacts
If you have any questions, you can always contact the company’s specialists at the following address: 129090, Moscow, Prospekt Mira, 3, building 3. Or call the round-the-clock phone: 8 (495) 782-00-03; 8-800-333-88-63. Specialists are ready to support their customers at any time convenient for them.
Customer reviews
The company in the insurance market has been operating for a long time. She cannot be called the most successful and prosperous, but nevertheless, during her existence, she managed to achieve some progress in her activities.
Customer reviews about it, meanwhile, are rather mixed. Many people treat her quite negatively. These people say that the company deliberately delays with the inspection of the car, pulls to the last with the payment of compensations and repairs. They note that the phones announced on the site are often outside the access zone, and if experts answer them, they are incompetent and cannot help customers solve the problem. They argue that the necessary compensation here has to be knocked out long and hard. It is advised to bypass the Independence Insurance Company. Such negative reviews are mainly for CASCO insurance.
On the other hand, travel insurance is widely developed. Customers consider this insurance one of the cheapest. They say that in case of emergency, the company quickly provides all the necessary documents and immediately transfers the required amount.
Satisfied were the services of this company and athletes who note that in the event of insured events IC "Independence" never let them down. Many claim that they are turning to the organization’s help for the first time and are not going to part with the company’s service in the future.
