Various unpleasant incidents await us literally at every corner. Accidents of a negative nature are nevertheless part of our life, and it is impossible to completely protect ourselves from them or somehow avoid them. Injuries, illnesses, losses, emergencies - this is only a small part of everything that can happen to a modern citizen of a multi-million city. But for all spheres of life, various household items, vehicles, living conditions, a considerable share of financial resources is spent, which means the perceived part of the life time that was spent on making this very money. In order to protect themselves from the need to redo everything, there are insurance organizations that, in case of trouble, will return the lost money condition and the opportunity to repair or acquire new property, as well as to heal lost health. In this article we will analyze the features of the RESO Guarantee insurance company, reviews about it, its products and offers.
About RESO Guarantee
RESO Guarantee is a universal insurance company founded in 1991. That is, at the moment she has been operating for twenty-five years. This is enough to establish itself as a reliable and long-term partner. A long term presence in the insurance market is one of the key criteria for choosing an insurer. Unlike the newly created companies, this one will not disappear with your money and your obligations. Organization insurance "RESO" has a list of more than one hundred product names in its field. In addition, she is engaged in reinsurance activities. Her clients list includes both individuals and legal entities. The priority direction insurance company "RESO" defines car insurance. More than ten million people across Russia use the products and services of the company. Sales offices number nearly eight hundred points throughout the country.
Company Products
The insurance company determines its key area of insurance. "RESO Guarantee" offers others insurance programs for your customers. The most popular ones are life and health insurance voluntary medical, property, mortgage, accident insurance, travel and other types. For the convenience of customers on the official website posted calculator CTP, CASCO and other types of services.
CTP from RESO
Relatively recently, some changes have occurred in the field of compulsory motor third party liability insurance. Now the process of applying for a policy and recovering losses is much simpler. Many companies have not yet had time to switch to the new system, but OSAGO "RESO Guarantee" is drawn up in accordance with all the innovations.
Now, subject to certain conditions, the victim can contact his insurance for payment. Such a refund is called direct. In addition, the concept of Europrotocol has been introduced. In some cases, using it you can arrange a traffic accident even without the participation of the traffic police. As additional advantageous offers, RESO Guarantee offers several services to its customers. Among them, for example, a round-the-clock dispatch service, which will help to fix all the necessary details, will tell you how to act for twenty-four hours seven days a week.Customers of "RESO Guarantee" can call a tow truck to anywhere in the city at a discount.
You can issue a policy for compulsory motor third-party liability insurance online, which significantly saves time on queuing and questioning. In addition, RESO has a wide agent network, thanks to which documents can be issued not only at the office, but also at points of sale. It is also possible to call the agent at home or at any convenient place for the client. And the OSAGO calculator will tell you in advance how much is needed to complete the policy.
CASCO from RESO
"RESO Guarantee" also received feedback on the number of convenient programs CASCO insurance. There are seven of these programs. Perova - "RESOauto". In this case, the car is insured, all the equipment that is installed on it, against the risk of theft and damage. In the second program, the full cost of the car is guaranteed in case of theft. The Theft Only program is unique in its own way. She insures only against the risk of theft. "RESOauto Help-Economy" - customers insured under this program are offered the opportunity to use the services of a road commissioner and a technical assistance service on the road under very favorable conditions. "RESOauto-Help-Comfort" - the ability to call an ambulance to an accident site is added to the previous service package. VIP-service is the most prestigious program. A separate manager of the company is assigned to her client, who accompanies him in all disputed issues. Insurance with satellite system - this program implies that if you have a satellite-based coordinate system installed on your car, you will have much more favorable insurance conditions and a lower policy fee.
OSAGO calculator
In order to represent the approximate cost of insuring your funds in different companies, sometimes you have to get around a lot of sales offices. But in RESO there is a special service that helps its customers in this matter. It is called the "MTPL Calculator". By the way, such a service in many ways ultimately determines the purchase of insurance from a particular organization.
The OSAGO calculator is specially designed for people who do not have much free time to choose their future insurance company for a long time. If we estimate the number of employed people, it becomes clear that such a service is necessary for all companies without exception. However, the MTPL calculator is currently available only at some organizations. In order to calculate the cost of the policy, it is enough to drive the following values into the appropriate fields of the calculator: insurance period, type of policy, region of acquisition, territory of operation, information about the owner, category of vehicle, power, period of use, availability of a trailer, limitation of the list of persons allowed to driving a vehicle, bonus-malus class, age and driving experience of the owner and driver, insurance amount of the DGO and year of manufacture of the car. Based on these data, the system will calculate the approximate size of the insurance premium. Of course, you can find out the exact amount only at the organization’s office or from the insurance agent, but this figure will be enough to decide on the first stage of choosing the insurance. "RESO Guarantee" CTP reviews received numerous thanks to this service.
CASCO calculator
Appearance and characteristics, which are used to calculate the cost of the CASCO policy, are somewhat different from RESO CTP. The reviews nevertheless confirm that this service is equally convenient to use. So, the fields that need to be filled out with relevant data: the term and currency of the insurance, the availability of the MTPL policy “Guarantee” or with another insurance company, the period of payment of the policy, its type, owner, information about whether the vehicle is pledged by the bank, brand , model, type of vehicle, mileage, sum insured, year of issue, date of purchase, number of seats, region where insurance was purchased, place of registration and residence of the vehicle owner, insurance territory, list of persons allowed to drive vehicle, age, length of service and gender of the driver, the presence of an anti-theft system, the choice of the direction of repair of the vehicle (in the direction of insurance, at the choice of the owner, according to calculation).
Which is better: CASCO or CTP
Inexperienced car owners often have a similar question: what is better to buy? On the one hand, motor third party liability insurance is much cheaper than hull insurance. However, it is worth noting that the question simply cannot be posed in this way. CTP - compulsory insurance. This program does not insure the car owner and his vehicle, but those whom he could harm in the event of a traffic accident. And CASCO protects personal property and belongs to the category of voluntary type of insurance. In some cases it is really necessary, in others you can do without it. CASCO is necessary if the car is bought on credit or by installments. If something happens to him during this period, it’s clear that the car owner will not want to make further payments to the bank, since the subject of purchase no longer exists at his disposal. But if he is insured under the CASCO system, even if the new car is stolen, the money will be returned. "RESO Guarantee" reviews on the company are pretty good in the number of satisfied insurance cases of this nature. In addition, hull insurance is necessary for beginner motorists and people living in particularly criminal areas.
Green map
A few words must be said about an advanced product for car owners. This policy is necessary for people who have gathered in their own car to go on a trip or a business trip abroad. As you know, the laws of other countries are somewhat different from ours, in addition, coverage of a regular policy does not compensate for losses that occurred outside the Russian Federation. And not a single car owner is safe from such cases. As you know, on the contrary, all the worst often happens to a person away from his home. And help in a foreign country, as a rule, is nowhere to wait. The result of such trips can be a very long and unpleasant legal process, the need to travel to the country of incident no longer with pleasant business or tourist visits, but with conscription and obligations to the authorities and citizens of another state.
An application for such a policy must be made no earlier than 30 days before the trip. Payment of the policy occurs at a time and amounts to 2700 per month for all countries, 5160 for cars per month, 4510 per month and 4510 per month for trucks. It should be noted that owners of vehicles registered in another country or with the TRANSIT sign cannot use this type of insurance. Remember that when an insured event occurs in a foreign country for you, you cannot sign documents whose meaning you cannot understand. Such an approach to business will greatly facilitate life and subsequent settlements with the insurance company.
To register a traffic accident, you will need to fill out a European form on its occurrence, as well as get photos of the outcome of the accident. If possible, try to obtain data from surveillance cameras for the roadway. And last, in this case, one cannot do without calling the police squad to the scene of the accident.
Policy registration
The policy can be implemented in three ways. The first is online registration on the official website of the company. This method is the most convenient and safe at the moment among existing ones. Firstly, you do not have to sit in line or wait until your data is entered into the company database; secondly, there is no risk of encountering scammers.
The second way is to contact the sales office. The method is safe, but not always convenient. Each resident of the metropolis is usually limited in time, and waiting does not correspond to the concept of a pleasant pastime.
The third way is to call a company agent.RESO Garantia has one of the most extensive agent networks, many employees of the company earn their living in the role of field agents, and receive salaries upon completion of transactions. For the company itself and its functioning, this is a fairly successful solution, but for the client the result is twofold. On the one hand, calling an agent to a place convenient for the client is always a plus. No need to go anywhere, no need to look for a free minute to meet, you can draw up a policy without breaking away from household chores or production.
But on the other hand, there is a great risk of encountering a fraudster. According to statistics, out of a hundred issued policies, two are fake and do not carry any legal force. This rather unfortunate fact has already framed a single car owner in a traffic accident situation. Moreover, as a rule, it is impossible to prove their case, and, accordingly, insurance compensation in this case does not shine for the victim. Therefore, if you still decide to contact the agent, ask him for any evidence that he is associated with the insurance company on whose behalf he acts. On the Internet there are services with which you can determine the authenticity of the insurance policy. It is enough to drive the number of your policy into the right window and the system will give out the last name, first name and patronymic of the owner. Do not be too lazy to check the document after processing and before submitting insurance premium to the agent. Still, the insurance company RESO received feedback on hull and motor third-party liability insurance more than once due to unscrupulous agents.
Insurance company "RESO": reviews
An important role in choosing an insurance company is played by reviews of previous customers. In order not to be mistaken in this choice, you should definitely pay attention to them. And also to understand on what basis the conclusions of man were made. In most cases, negative impressions remain in people due to ignorance, lack of understanding of the problem or their own mistakes.
Insurance company RESO OSAGO considers one of its main areas. Such a statement is recorded even on the main official website of the organization. This means that the company must support this statement with all its might. This is what RESO does from year to year.
MTPL receives customer reviews in most cases positive. People note the organization’s focus on customer convenience. Moreover, this focus on convenience begins with a first look at the insurance company, with an approximate calculation of insurance premiums and amounts, a convenient interface, a wide range of insurance programs. Each of the directions is thoroughly described, the conditions and results of work are transparently stated. The organization’s website, employees of the company’s offices, and even agents acting on their own behalf, who are non-staff personnel of RESO, work according to this scheme.
OSAGO receives positive reviews because of the speed of solving arising problem situations. In many insurance companies, litigation lasts for years, and a wrecked car, standing in the courtyard of the house and attracting the attention of marauders, does not wait for repairs for insurance payments. Vehicle owners have to repair their cars at their own expense, or even sell it for “disassembly”. And the trials all continue without much success. There are no such responses from RESO customers. This already draws a huge plus for their name.
Comparison with Rosgosstrakh
Rosgosstrakh also has positive reviews for OSAGO. This is another leader in the insurance market. Therefore, it is worth comparing these two organizations. Their exceptional difference is that RESO still specializes in car insurance, and Rosgosstrakh is an organization that pays equal attention to all areas. As you know, a specific product should be bought from a seller who considers it the basis of his business.This simple rule works in all areas of society. In addition, another unpleasant moment in cooperation with Rosgosstrakh is that they do not have separate loss settlement centers for different categories of customers. That is, if you have an accident, you will have to wait in line for a refund not only with those who have the same problem. Together with you in the same room there will be people who have broken a leg, cannot repay a loan in which there was a fire or flood. And this will only lengthen the waiting time.
