Surgutneftegas insurance company, reviews of which say that it is reliable and really pays for insurance, is quite young, but has already managed to prove itself on the positive side. A reasonable approach to doing business, the availability of financial reserves allows it to overcome even the largest financial risks.
About company
What can be said about Surgutneftegas IC? Reviews of some customers note that they had to sue this company in order to receive insurance payments. This organization has existed since 1996. In June 2016, the rating agency Expert RA assigned it a high level of reliability - “A +”.
Analysts in assessing the solvency of the insurance company noted significant deviations from the norm, equal to 252.0%. At the same time, current liquidity amounted to 180.4%, and insurance net liquidity - 194.2%. Assets receivables are quite low and equal to 12.4%.
As of December 31, 2015, the insurance capabilities of the company amounted to 2,791 million rubles, of which 2,186 million relate to equity, and 1,540 to charter capital. The total amount of insurance payments in 2015 amounted to 3,559.5 million rubles, of which 832 million were net profit. Financial stability and rigorous fulfillment of obligations under insurance contracts are the main priorities in the work of the company.
Surgutneftegas (insurance company): reliability rating
From the first days of its existence, the insurer more than once became a participant in the highest ratings, where the activities of the company were evaluated. One of the most significant rating agencies rated Surgutneftegas's work highly. This level indicates the success and stability of the company. Surgutneftegas today is one of the most reliable insurers. The company is in 7th place in terms of capitalization of assets; according to the Expert-400 rating, it also took 7th place. Among the largest organizations of the country, the insurance company Surgutneftegas holds 22nd place. The national rating, formed according to reviews on the level of customer service, assigned the company 2.98 points out of 5 possible.
Services for individuals
So, we continue to consider the activities of IC Surgutneftegas. The reviews note that there are no children's hospitals among the partners of the company, and this complicates the situation when providing medical care abroad. However, the insurer provides a number of services to individuals:
- CTP;
- car insurance;
- real estate insurance;
- personal insurance;
- products for travelers;
- liability protection.
In each area, it provides several programs to its clients IC “Surgutneftegas”. Insurance, reviews of which mark the polite and professional work of the staff, is trying to find a suitable option for everyone here. All actions are secured by a license from the Central Bank of Russia.
CTP
Surgutneftegas (insurance company) in Moscow and other Russian cities provides its customers with a compulsory insurance product for motor third party liability insurance companies. According to the law of the Russian Federation, the risk of liability that may arise as a result of an emergency in case of harm to the victim, his health, property or life is insured here.
Upon conclusion of the contract, the compulsory insurance policy will protect the owner of the vehicle from compensation for material damage within the following limits:
- covering losses incurred by the health and life of each injured participant in a traffic accident (the amount is paid in the amount of not more than 500 thousand rubles);
- compensation for losses due to damage to property not more than 400 thousand rubles (regardless of the number of victims).
To apply for a policy, you need a passport of a citizen of the Russian Federation, a driver’s license, documents for transport, a maintenance ticket.
Customer auto insurance
Surgutneftegas is an insurance company, reviews of which note that the cost of insurance poles increases several times every year. The organization offers one of the most popular products - car insurance, which is divided into two categories: land transport and car insurance as part of a car loan.
The first view has the following programs:
- "AutoStandard".
- Auto One.
- "Theft."
- "Element".
When insuring ground transportation, you can choose “Partial CASCO” and “CASCO”.
The AutoStandard program is a classic type of risk insurance full “CASCO” or “Partial CASCO”, which records damage or destruction of a car, if an accident occurs, there was an unlawful action of third parties, a fire, any kind of accident, falling objects on a car and natural disasters.
The full CASCO includes the Partial CASCO and the Theft program. The cost of the AutoOdin program is 40% cheaper. Protection covers only one declared case, which may include both the risk of “Partial CASCO” and the full “CASCO”. Suitable for confident and tidy drivers who rarely end up in traffic accidents.
Property insurance
How does Surgutneftegas JI work? Reviews of some individuals note that the compensation for major damage is delayed for a sufficiently long period and is agreed through the head office of the organization, which is located in Moscow. The company offers to insure the health of citizens and their property.
Real estate protection products are divided into property insurance and mortgages. In the first option, the company offers customers a choice of several programs, there are express options where all risks are taken into account, but it is not necessary to carry out an inspection and inventory of property with insurance.
In all these cases, there is insurance against the bay, fire, natural disasters, damage that occurred after the unlawful influence of third parties. Insurance applies to both apartments and country houses, cottages. All property that is indoors is taken into account, including utilities and decoration.
For any type of insurance, you can additionally use the civil liability service. It will allow avoiding damage to neighbors if their property was damaged as a result of fire, floods and other factors. Mortgage insurance will help to avoid risks of non-fulfillment of the loan agreement with the bank and protect the acquired housing from various kinds of damage.
Personal insurance
Sometimes some events disrupt the usual rhythm of life, make it impossible to work. The company provides an opportunity to protect itself and its family from material losses and offers health and accident insurance, as well as voluntary medical insurance, protection for air passengers during flights. Each insurance segment includes several programs where each person can choose for himself a suitable option.
Insurance payment is made in case of illness and accident, with various injuries. The insurance works in case of poisoning, electric shock, and in the case when the surgical operation was carried out incorrectly. Voluntary health insurance expands the range of provided free medical services and this is different from the compulsory medical policy.Allows you to call a doctor at home and use the services of an ambulance.
For travelers
Those people who often travel abroad often have to face various difficulties. In order to make life easier for these citizens in a foreign country, the company created several insurance programs:
- for people traveling through the territory of the Russian Federation;
- for tourists traveling abroad;
- the service "Amulet";
- Migrant product.
Insurance for travelers traveling abroad is a necessity, since medical care is very expensive abroad. The Surgutneftegas policy gives the right to emergency medical care, hospitalization, the provision of therapeutic services at home, as well as to consult a doctor, evacuation for medical reasons.
Travel insurance for tourists traveling in Russia includes material costs for the treatment of diseases in the acute phase of development, financial losses associated with staying in the hospital, and money can be compensated for canceling a trip.
The service “Charm” includes voluntary medical insurance and accident protection.
The Migrant program is aimed at people who came to Russia from abroad.
Services for legal entities
Does Surgutneftegas offer good insurance? Customer reviews note that car repairs after an accident are made efficiently and quickly. For legal entities, the company provides insurance in the following areas:
- CTP.
- Auto insurance.
- Real estate insurance.
- Liability insurance.
- Personal insurance.
- Air insurance.
- Reinsurance.
The list of programs for legal entities is huge. Here, each corporate client will be able to choose the best option for himself.
Company official website
It will help you make the choice of the right program, arrange insurance policy, activate it and calculate the approximate cost of the contribution of the official website of the company. Here, each client can have his own personal account, ask any question and call an agent. An electronic resource introduces the services of the company, allows you to find out the rules of insurance and the sequence of actions in case of an insured event. It publishes all the news that occurs in the company, from here you can also find out about promotions and special offers. The official website of the company is a new type of electronic service intended for customers who cannot or do not want to go to the office for some reason.
IC “Surgutneftegas”: employee reviews
The opinions of employees about the insurance company are very different. Some are completely satisfied with the working conditions. They say that they pay well and regularly, the staff is friendly, and the management knows their job. There is the possibility of training, a large amount of work, bonuses. In addition, annual paid leave, a social package and union benefits from Surgutneftegaz are provided.
Employee reviews are far from all positive. A certain part claims that the company has fines for errors. Travel and meals are not paid, and many are hired only for a while and dismissed without warning. According to them, the company management is poor.
Customer Opinion
Surgutneftegas Insurance Company has positive and negative reviews about itself. Some customers say they liked the company. The policy is issued quickly, payments are stable and provided in the right amount, and the repair at the service station is of high quality.
Some insurers call the company’s service terrible, they say that unskilled specialists work there. The insurance company underestimates the real value of payments, and it is necessary through the court to seek justice. The company reluctantly pays major damages and drags out this procedure as long as possible.At times the cost of the CASCO policy for customers in an accident increases, because of this, many customers are forced to look for another company.
