Insurance policies have quietly become commonplace these days. If in Soviet times the state was concerned with the safety of citizens, today the issue of insurance is a personal matter. Moreover, an increasing number of people understand that this is the most urgent and vital matter. Accidents, terrorist attacks, an increase in crime and plane crashes make people look for reliable ways to ensure their safety. And one of the main ways here is timely insurance against possible troubles.
Instructions
Step 1
However, under the current conditions, insurance has also become not an easy thing to do. Today in the Russian insurance market there are about a thousand different firms and companies, both domestic and foreign. Each offers a whole list of insurance products for almost all occasions. Today you can insure yourself against anything, from property insurance to alien abduction. It is quite difficult to navigate in all this variety of offers and choose the best insurance option for yourself.
Step 2
If you have firmly decided that you need an insurance policy, you need to start by finding the right insurance company that you can trust with your funds and safety. Relying only on handouts and promises in this choice is unwise. It is preferable to dwell on 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 a reason to immediately sign a client agreement.
Step 3
After choosing from a wide range of insurance companies a few of the most attractive ones, try to evaluate each objectively according to the available public data. As a rule, reputable firms, firmly entrenched in the market and conducting successful activities, 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 the companies. If a firm stubbornly hides the size of its funds, as well as the amount of insurance fees and payments, then this is a clear signal to be wary of it.
Step 4
The size of the authorized capital of the company testifies to 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 cottages, tourist trips), the authorized capital must be at least 30 million rubles, for companies specializing in life insurance, the amount must exceed 60 million And these are the lower bounds. Really serious insurance corporations operate with capitals in the hundreds of millions and billions of rubles. The publication of information on the volume of insurance payments on the official websites shows how loyal the company is to its customers and how willingly it pays for its obligations.
Step 5
Having chosen the most reliable company you like, 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 avoid unreasonable spending.
Step 6
Before purchasing the selected product, discuss in detail with the insurance consultant and lawyer all the details of the contract that you are invited to sign. Find out exactly what amounts and during what period you will be paying, clarify 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 purchasing the policy. Will you be able to contact him with any questions regarding your insurance, and how competent you will get the answers. Perhaps, at first glance, such advice may seem like an unnecessary tediousness, 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.
