Insurance policies have quietly become commonplace these days. If in Soviet times the state was engaged in the safety of citizens, today the issue of insurance is a private matter for everyone. Moreover, an increasing number of people understand that this is the most urgent and vital business. Accidents, terrorist attacks, the growth of crime and air crashes make people look for reliable ways to ensure their safety. And one of the main ways here is timely insurance against possible troubles.
Instruction manual
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However, in the current environment, insurance has also become a tricky business. Today, about a thousand diverse firms and companies, both domestic and foreign, operate on the Russian insurance market. Each offers a range of insurance products for almost all occasions. Today you can insure yourself from anything, from property insurance to alien abduction. It’s quite difficult to navigate in all this variety of offers and choose the best insurance option for yourself.
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If you have firmly decided that you need an insurance policy, you need to start by looking for a suitable insurance company that you can trust your money and safety with. Relying on this choice only on handouts and promises is unreasonable. It is preferable to stop at the company with which your relatives or acquaintances have already dealt and were satisfied with its services. But even the most positive reviews are not the reason to immediately sign a client agreement.
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Having chosen some of the most attractive from a wide range of insurance companies, try to evaluate each objectively based on available public data. As a rule, reputable firms that are firmly entrenched in the market and conduct successful operations do not seek to hide their authorized capital and the level of insurance fees. All this information can be found on the official websites of companies. If the company stubbornly hides the size of its funds, as well as the volume of insurance fees and payments, then this is a clear signal to beware of it.
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The value of the authorized capital of the company indicates its stability in the market. It is important to remember that for companies working in the field of property and accident insurance (apartments, cars, summer residences, tourist trips) the authorized capital should be at least 30 million rubles, for companies specializing in life insurance, the amount should exceed 60 million Moreover, these are the lower bounds. Really serious insurance corporations operate with capital in the hundreds of millions and billions of rubles. The publication on the official websites of information on the volume of insurance payments testifies to how loyal the company is to its customers and how willingly it pays for its obligations.
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Having chosen the most reliable company that attracted your attention, you should not immediately run to conclude a client agreement. You should first determine for yourself exactly what you want to insure and for what amount. In this case, it will be easier for you to explain to the insurance agent what you need and to avoid unreasonable expenses.
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Before purchasing the selected product, discuss in detail with the insurance consultant and lawyer all the details of the contract that you are offered to sign. Find out exactly what amounts and during which period you will pay, specify all the nuances of the occurrence of the insurance situation and the features of insurance payments in this company. See how willingly the insurance agent is ready to cooperate with you even after the acquisition of the policy. Will you be able to contact him with any questions regarding your insurance, and how competent you will get answers. Perhaps such advice at first glance may seem like an unnecessary tedium, but do not forget that we are talking about the safety of your health and property. And in these matters there can be no trifles.
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