"MSK" (insurance company): OSAGO, CASCO, branches, offices, official site, addresses, phone numbers and company reviews

MSC is an insurance company that provides services to citizens. This article describes the autocivil responsibility.

The term

Insurance is a special kind of financial relations for the purpose of creating and using monetary savings that serve to compensate for damage caused by various hazards and are paid to individuals or legal entities.

In a narrow sense, these are the relations between the two parties aimed at protecting the insured person or his property at the expense of monetary funds that were formed from the paid insurance premiums.

In a broad sense - it includes the types of activities that later formed this material protection.

The legal acts on the basis of which these relations operate are the Civil Code of the Russian Federation (part two, chapter 48) and the Federal Law "On the Organization of Insurance Business," which describe the detailed aspects of this term. Based on this Federal Law, you can understand the following: insurance is the relationship of two counterparties, under which the payment of certain amounts of the contract amounts to one or the other party.

Parties and their responsibilities

In these relations there are usually two participants. The first party is the insurer (the organization can be private, joint-stock and state). The second - physical and legal persons.

Obligations of the insurer:

1) Compensates the other party for damage when a suitable event occurs (natural disasters).

2) Introduces a physical and legal person with rules and nuances that are related to this topic.

3) In addition to the compensated damage that was caused by the insured event, it also reimburses other expenses.

4) He does not divulge information that he has learned about the second party to the contract (these include health status, property status and much more).

5) After written notification, the policyholder can replace the beneficiary by an absolutely different person.

6) In case of early termination of the contract, the other party warns in advance.

Obligations of the Insured:

1) Pay fees on time.

2) Inform the circumstances known to him, which are of great importance for determining the cause of the formation of the insured event.

3) When concluding a contract, this party continues to take care of the security of the property.

4) Immediately informs the insurer of changes in circumstances when concluding the contract.

5) Notify the other party about the accident as soon as possible.

6) Provides the insurer with the right of subrogation (change of the creditor in the insurance obligation).

7) Upon early termination of the contract, notifies the other party of its intention.

MSC - insurance company

The open joint-stock company, named "Moscow Insurance Company" (abbreviated OJSC "MSK") was established with the participation of the Moscow Government in early 1998. Since mid-2007, the main shareholder of this company is OAO Stolichnaya Insurance Group. The control over it is carried out not only by the Government of Moscow, but also by the banks of the capital.

MSC (insurance company) has an authorized capital, which is more than 3.5 billion rubles. She also has a license that allows to work on 23 types of insurance, which are aimed at any interests of the citizens who are applying. Credibility and quality of work is confirmed by the international rating agency Fitch Rating. MSC (insurance company) is financially stable both on the national and foreign scale.

It is also a member of several organizations, such as the All-Russian Union (VSS), the Moscow Association (IAU), the Aviation and Space Corporation (RAAaKS), the Russian SSR, and many others.

Financial soundness of the insurance company

In this company, the annual growth rate of profit increases, exceeding the average market as of 2007. The total cost of insurance premiums reaches 5.8 billion rubles. The company's own funds, as well as money received from protection from the international and Russian market, make it possible to perform services of varying complexity. At the same time, this firm guarantees the quality and fulfillment of its obligations.

The social orientation of the MSK program (insurance company) meets all modern requirements: life, health, property, as well as citizens' responsibility are insured here.

To increase the number of consumers who use the agency's services, new branches of MSC (insurance company) are opened. Branches of this company are located in more than 170 cities of the Russian Federation. In total, this insurance company has about 120 agencies and 55 small offices.

Positive aspects of the organization

Advantage in the sphere of operation of this company was noted by large regional and capital organizations and enterprises. Their category includes the Moscow United Energy Company (MOEK), Segezha Pulp and Paper Mill (SPPM). Also positive about this organization are the Novosibirsk Metallurgical Plant (NMZ), Mosvodokanal, and many other companies and enterprises.

This company is the main agent of the Moscow Government for property insurance, which is owned by the state, various living quarters, franchise workers in the sphere of municipal and state bodies.

In addition to the Government, this company has another permanent counterpart - the Bank of Moscow. In this area, the firm must fulfill its obligations under the mortgage lending program, collateral property, car loans. She also cooperates with other Russian banks: Rosselkhozbank, Gazprombank, VTB-24, Alfa and many others.

Negative moments in the activity of the insurance company

In addition to the pluses of this firm there are disadvantages:

• Mostly citizens leave negative reviews about the insurance company MSC;
• In some branches of the firm there are employees who are rude and obscene in the address of all their clients;
• Many citizens are dissatisfied with the fact that their questions, mainly connected with road and transport incidents, are being solved for several months;
• There are many legal claims against the MSC;
• The insurance company of OSAGO does not always calculate correctly, various defects related to this problem were noticed;
• The cost of CASCO is also calculated incorrectly, the length of driving is not taken into account;
• Recently, MSC (insurance company) closes branches, without explaining the reasons to its customers, in a few months of 2014, branches in the cities of Kurgan, Smolensk, Syktyvkar, Barnaul, Zheleznogorsk (Kursk region), Ryazan, Chelyabinsk ceased to operate and this is only a small part .

Insurance of foreign real estate

In foreign countries, insurance of buildings and transport has long been a very common practice. It provides an opportunity to recover the damage caused by unforeseen circumstances. However, the foreign insurance system has its own characteristics.

So, it should be borne in mind that the value of real estate, which has been or will be acquired, is almost decisive. Naturally, the more this amount turns out, the more expensive will be the insurance policy. It is taken into account whether the property serves as the main place of residence, or it is not the only housing. Thus, if there are any possible risks, the phone of the insurance company MSC will help to find out. Everything is done in advance, as this firm respects its customers and their choice.

Influence on the cost of the policy also has the so-called insurance history of the territory on which the acquired property is located. The fact is that if this area has been repeatedly hit by natural disasters, the company may well increase the amount of insurance payments. It takes into account and just the very place where the object is located.

Differences between organizations located in Russia and other countries

In each country, insurance policies have, in addition to the standard, additional items. For example, in France, the most popular are contracts that insure homeowners when renting it. In England, it will be possible to hedge against the damage to property that occurred as a result of an explosion of a steam boiler, a gas storage facility, a malfunction in the operation of sewerage or heating, and even the fall of an air-manned device. And in Germany, the franchise of civil liability, which is designed to compensate for damage caused to another person or someone else's property, has become widespread. In the Czech Republic, you can get insurance, which will compensate for damage in the event of damage to the landscape by nature. In the United States, in its turn, title insurance is very popular , which provides for compensation for possible damage in case of loss of property rights to real estate.

If you take, for example, a Russian firm, such as MSC (insurance company), the official website will confirm that it does not have any specifics.

The minimum period for OSAGO

Many car owners understand that without compulsory insurance of motor third-party liability it is prohibited to travel on the roads. It is because of this that citizens make contracts with different companies. Under the law, which operates in the territory of the Russian Federation, the minimum period of compulsory motor TPL insurance can be changed in three categories.

The first option is for owners whose vehicle has passed state registration outside of Russia. For such citizens, the minimum period is from 5 to 15 days.

The second option is for people who follow to the place of registration or for a technical inspection of the car. The minimum period is 20 days.

The third option is the most common. The contract is concluded if the registration was made in the State Traffic Safety Inspectorate. The minimum period can not be less than 3 months.

In the event that you decide to insure your car for one quarter (season), the cost of the policy will be 30% of the annual amount. Usually such types of OSAGO policy are made by car owners who use the car not all-the-year-round.

Brief information about CASCO

This type of insurance is considered to be voluntary. If there is a CASCO insurance policy, a citizen can receive monetary compensation for hijacking a vehicle or causing damage to the health of the driver and passengers. The final settlement will be provided by the organization to which you applied. For example, if you decide to sign a contract and get a policy, choose a company, for example, MSC (insurance company). Addresses of branches in your city can be found through the Internet.

When calculating CASCO, the following parameters are usually taken into account:

• car model;
• Year of manufacture of the car (usually only new vehicles are insured);
• Age of the driver (for elderly people usually comes out more expensively);
• The experience of driving a vehicle (beginners pay more than experienced drivers);
• Availability of a franchise (with its use, the policy will be cheaper);
• Keeping the car in a guarded parking lot (in which case the fee will be less);
• Presence of anti-theft alarm system;
• Region in which the vehicle will be used.

MSC (insurance company), the official website and everything connected with it

You can find a lot of different information about a particular firm or enterprise. At the same time, you can find portals that negatively respond to organizations. The information that is published on the official website is believed to be reliable. So, if you decide to find data about an organization such as, for example, the insurance company MSC, reviews and other data about it are not a secret.

With the help of the official site of this organization, you can calculate on the online basis what the approximate cost of the CASCO and OSAGO policy will be. To do this, enter the required data in certain fields (brand, year of manufacture, age and length of service of the driver). With online counting, you can opt for a certain insurance company. On the Internet resources you can see positive and negative feedback from citizens who have previously applied to one or another organization for receiving their payments.