Property insurance in modern life is a thingnecessary. Now you can insure everything - life, real estate, cars, a smile and even a toy. Companies that are engaged in this type of financial activity are also a huge amount. But experts advise to contact large ones - they have fewer problems with payments, they are less likely to close and it is easier to contact in controversial situations. One of them is "Tinkoff Insurance" - JSC (joint-stock company), which specializes in insuring vehicles, real estate, health and issuing insurance required for traveling abroad (without such insurance you simply will not be given a visa). The article will tell you what a company is, the features of insurance in it and the innovations in the list of services.
About company
Изначально "Тинькофф" был создан как банк в 2006 year Oleg Tinkov. Now the organization is engaged in a huge number of financial transactions (deposits, loans, payments and transfers, investments), issue of debit and credit bank cards. At the moment, Tinkoff Bank is one of the largest companies in the market for issuing bank cards in Russia.
A few years ago, the company began to developInternet banking, and now focuses on advertising precisely on this feature (the slogan "Tinkoff - the largest online bank in the world from Russia"). Internet banking is really well developed in this organization: websites with a large number of sections and services, applications for which can be issued without rising from behind a computer, mobile applications, in which there is also a wide and accessible functionality. Applications from Tinkoff can be downloaded from the AppStore or PlayMarket by specifying the same name query.
Insurance
"Tinkoff Insurance" - JSC (joint stockSociety), which has specialized in insurance services since 1993. Since 2013, it belongs to the Tinkoff company and is also headed by Oleg Tinkoff. The entire load falls on the site, since all insurance policies are issued through the Internet, since the company has no retail offices. At the same time, the resource is clear, pleasing to the eye in terms of color and not overloaded with texts: everything is brief and to the point, and if you need to know more, you should simply open the corresponding link, which is easy to find. The company has been assigned a high level of reliability and a stable rating. It is successfully developing, actively advertised and constantly expanding the list of clients.
Service list
The company "Tinkoff Insurance" provides several types of insurance services. These include:
- Insurance when traveling abroad (withoutsuch insurance does not apply for a visa, to obtain the document, you need a passport of a citizen of the Russian Federation, a medical policy, and it is also important to know the direction of travel and the period for which you are going to go).
- Property insurance (you can insurean apartment, house, additional buildings in the form of a garage, utility room, etc., premises that are rented, interior decoration, engineering equipment, movable property) from fire, flooding, natural disasters, unlawful interference by third parties.
- Health insurance against accidentstransport, animal bites, injuries during professional or extreme sports, unforeseen events and in case of urgent hospitalization in a medical institution.
- Vehicle insurance (issue of CTP insurance policy, CASCO). This form will be discussed below.
OSAGO
Now for cheap used cars peoplemore often, only a CTP policy is drawn up, since its registration is mandatory according to the law of the Russian Federation. There is such a service in Tinkoff Insurance. Since OSAGO, according to the general rules, protects only in the event of an accident, it is possible to issue an OSAGO + CASCO. It will be more expensive, but there are discounts on such a combination of insurance programs, and reliability will be higher.
CASCO
This policy is now becoming moresought after. This is due to the fact that CASCO protects against hijacking and other unpleasant situations, and OSAGO, as mentioned above, no. Let's see what is relatively cheap hull insurance from Tinkoff Insurance.
First, it protects against fire, explosion, orlightning and natural disasters (flooding, hurricane, earthquake, etc.). Secondly, the policy of "Tinkoff Insurance" CASCO, the reviews of which are generally positive (we will talk about this below), provides for protection in case of an accident, unless, of course, you are the cause of the accident, and there are no other unforeseen situations on the road (the exit of wild or domestic animals on the roadway, for example).
Хотя в условиях страхования говорится о том, что compensation can be obtained even in case of guilt. But this is better to check with the insurer, since the cases are individual. Thirdly, the policy protects your luggage and pets that you carry in the car. Fourth, you are insured against falling any items on the car. The most important thing is to protect against theft (theft). If your car is stolen by a third party, you will definitely be able to get a cash refund. Also CASCO for the car compensates for the cost of technical assistance (tow trucks), legal advice and taxis in case of urgent need.
How to calculate the cost of the policy
The cost of the policy "Tinkoff Insurance" CASCOYou can calculate by going to the site and selecting the appropriate option "Calculate the cost" on the main page. A window will open in which you will need to select the region of car use, year of manufacture, make, model, type of transmission (gearbox) and approximate cost of the car to date, in your opinion. Next, you need to fill out a section with information about the driver: driving experience, age and contact details (name, phone and e-mail). The latter are needed in order to send the cost of the CASCO policy and a detailed calculation to the potential policyholder.
Terms of registration
Detailed terms of insurance policy and the conclusion of the contract can be found in the rules that are on the site. Here we present the main provisions.
To issue a policy, you must provide the following documents:
- Passport of a citizen of the Russian Federation or constituent documents, if a legal entity draws up insurance.
- Documents on the car (certificate of registration in the MREO traffic police, PTS, power of attorney, if it occurs, a deed of gift, etc.).
- Driver's license.
- A document confirming the value of the car (contract, checks).
- Valid or terminated insurance contract.
- Statement on the model.
Features of insurance in Tinkoff
- The first important feature of insurance in thisCompanies are the design of the policy through the online service. You do not need to go anywhere, you simply go online, open the site, calculate how much the policy will cost, or immediately issue it, specifying all the necessary data and paying with a bank card of any bank.
- The second feature is the delivery of the policy at a convenient address and at a convenient time. You only need to agree with the courier and find out how much the delivery costs. It happens that delivered for free.
- The third is the possibility of monthly payment.That is, you can pay KASKO for a year right away or fix the payment once a month in the contract, then regularly the amount specified in the contract will be debited from your card. This is convenient, since it is possible to stop the payment and, accordingly, the effect of the policy at any time, go to your personal account on the site and click "stop".
- Fourth - you can get a detailed calculation of the cost of the policy that you want to purchase, without leaving your home.
Additional services
Upon receipt of the Tinkoff Insurance CASCO policy, reviews of which will be provided below, you can continue to use additional free services, which include:
- tow truck that delivers the damaged car from the accident site to the service station;
- departure of an insurance agent in case of an insured event (in case of an accident, it can help to issue a euro protocol so as not to wait for the traffic police when the damage to the car is minor);
- policy delivery, as mentioned above.
When the insured event occurs
Upon occurrence of the insured event must be reportedabout this to the insurer within 1 day. The deadline for submission of documents is 14 calendar days from the date of the incident. After this period, the insurance company has the full legal right to refuse to pay any money, and even through a court you cannot always get the opposite decision. If the reason for the delay in notification was valid, then by submitting a document confirming this (sick leave, travel document, etc.), the insurer extends the term for a certain number of days (under the terms of the contract or at its discretion) so that you can correct the situation and provide the entire package of necessary documents, which include:
- passport car owner;
- PTS;
- driver's license;
- certificate of registration of the vehicle;
- protocol confirming the fact of an accident, theft, damage to the car by third parties or fallen objects, collisions with an animal, and so on, certified by the traffic police;
- if the car is damaged or lost due to a disaster, you need a certificate from the body dealing with this problem, for example, the Ministry of Emergency Situations;
- conclusion of the station, certified by the expert,which contains all the parts and elements of the machine to be replaced or repaired, as well as the materials necessary for this, and the cost of everything listed (if the repair has already been paid, then all the documents confirming the fact of payment, for example, checks, contracts) are provided
Страховщик имеет право провести экспертизу car damage to assess the damage and the amount required for restoration. In some cases, compensation is paid without reference, you can learn more about this in the insurance rules on the Tinkoff Insurance CASCO website. Reviews of the service can be found there. It must be remembered that cheap CASCO protects against a much smaller number of insured events, so you need to carefully read the contract.
Benefits of Tinkoff Insurance
- No need to stand in line at the branch of the insurance company.
- It usually takes about 3 days to settle an insured event.
- You can pay CASCO for months.
- The possibility of calculating the cost of the policy in advance through the service "Tinkoff Insurance" CASCO. The calculator is simple and quickly calculates the amount.
- Document scans can be sent via WhatsApp.
- Delivery of the policy in the right place and time.
- Free extras (see above).
- Favorable design of the program CTP + CASCO.
Reviews of the company
Before you buy or use somethingBy any service, many people search for information on the Internet. So we looked and learned what reviews about Tinkoff Insurance KASKO. For the most part this is a positive assessment of residents of cities in which auto insurance works. There are cons in the periodic failures of the site, there are misunderstandings in the design and subsequent problems, and as a result - negative reviews.
The app "Tinkoff", which is available fordownloads in virtual stores are also rated highly (average rating - 4.8). Negative reviews are mainly related to application failures, some lack functionality.
How to contact the company
Get more information, askquestions or complain about malfunctions can be on the "hotline": 8-800-500-47-28. Also on the site there is a button "Feedback", through it you can send your question, leaving contact details for a personal response. Before asking a question, read the Questions and Answers section, as there may be an explanation of your problem.
There are also groups in social networks "VKontakte",Facebook, Instagram, Twitter and YouTube video sharing channel. All of them have the name "Tinkoff Insurance". The address of the main office is 12A1252, Moscow, Leningradskoye Shosse, 39A, p. 1. The location of the branches is also widely available, as are all the other company details.
