What if the insurance was withdrawn by a license. What insurance company deprived licenses Insurance company assistance suspended license

LLC "Insurance Society" Assistance is a universal insurance company, a relatively small fees. At the end of 2017, ranked 97th in the size of the collected award among Russian insurers, the 30th - for property insurance legal entities (39.21% of the insurance portfolio) and the 14th - on insurance for causing harm to third parties (33.95%). The company has branches in Moscow and Krasnodar, as well as separed division in Voronezh. The head office is located in St. Petersburg. Company through several russian organizations Controlled by the family of the elbow.

With "Help" was established in 1995 in St. Petersburg. The founders and owners of the company in the market are members of the Lokbayev family (Dmitry Lokojev, currently holding the position of general director of the Foundation "Regional Operator for overhaul in St. Petersburg"; Alla Lokoeva, president of the subsidiary of the insurer "Live"; The current General Director of Aleksandra Lokoeva). The main activity of the company was corporate insurance, mainly construction and installation risks, as well as property and goods (these types of insurance remain priority for the insurer until now).

In the early 2000s, the company began to develop a retail direction - insurance of CASCO and traveling abroad. In 2009, "Help" bought a small Moscow company "Liva" (in 2008 held 295th place in the market in terms of the volume of the gathered premium, which was 122.8 million rubles). Details of the transaction were not disclosed. With the help of this company who had a license on the OSAGO, with "Help" could reach the corresponding segment of the market. However, given the company's reluctance to focus on risky types of insurance, auto insurance (CASCO and OSAGO) did not become massive for the insurer. With "Help" still specialized in the development of the company's priority for construction and assembly risks, being one of the leaders of this market (according to the results of 2008 it was part of the top 3 largest segment players). In 2013, the company entered the voluntary health insurance markets (mainly corporate clients) and agricultural.

In 2014, the Ministry of Equipment arranged in court a number of contracts for insurance of construction and assembly risks concluded between with "Help" and "Moscow Regional Road Center". The cause of the proceedings is the lack of coordination of transactions by the Ministry of Economic Property. The insurer returned premiums in the amount of over 300 million rubles.

In September 2015, the Bank of Russia suspended licenses for insurance and reinsurance with "Help" in connection with the insurer's failure to set time prescriptions. December 29, 2015 The license effect was resumed.

Currently, "Help" is a universal insurance company specializing in the provision of services for insurance of legal entities and civil liability insurance for causing harm to third parties. With "Help" is the parent company in relation to LLC "Russian Insurance Society" Help (100% authorized capital), the license to carry out insurance of which is withdrawn by the order of the FSFR of 11.05.2012 No. 12-1207 / PZ-and. With "alive", which is also one more than one subsidiary With "Help" in August 2015, it was out of the insurance group "Help". As a result of the transaction, the control and management of the insurance organization fully moved to new owners not included in the Help Group. The deal completed at the end of July 2015. On December 1, 2015, licenses for insurance and reinsurance with "Liva" were revoked by the order of the Bank of Russia.

On June 1, 2017, the Bank of Russia by order No. OD-1474 withdrew the license of the company to implement compulsory insurance of civil liability of OPO owners and ACPP in connection with the voluntary refusal of the subject of insurance affairs from the implementation of licenses.

The company is a member of the All-Russian Union of Insurers, the Union of Insurers of St. Petersburg and the North-West. Until January 1, 2016, the Company was a member of the National Union of Insurers of Responsibility (NSSO), but from the reporting date ceased to membership in unification due to voluntary yield. Currently, the company does not conclude new APPO treaties, and also does not do mandatory insurance The carrier's responsibility to passengers. From January 1, 2018, the company decided to suspend work in the system of insurance of agricultural risks and exit from the National Union of Agromhorshchists.

The Group's plan for 2018 is the continuation of the development of such areas as insurance of civil liability members of the SRO, the development of construction and installation work in the Sanctivation Business Insurance, the Insurance of Property of Legal Entities, Insurance of General Civil Liability.

Participants in the Company are: LLC North-West Industrial Union (51% of the shares, the owner of the Company - Alla Lokojeva), Petrostroyinvest LLC (33%, Owner of the Society - Dmitry Loktayev), LLC Center for Social Initiatives Help (16% , Owner of society - Alexander Lokovayev).

In 2012, the company collected 2.01 billion rubles of insurance premiums, which is 26.34% more than in the previous reporting year. In 2013, the growth rates amounted to 17.46%, the fees reached 2.36 billion rubles (52nd place in Renking). In subsequent years, there is a reduction in fees. In 2014, the volume of income decreased by 9.48%, and according to the results of 2015-2016 - by 65.91% and 6.09%, respectively. Such a sharp drop in fees is due to licensed sanctions. In 2017, an insurer was collected by 858.92 million rubles of premiums, which is 25.61% more than the previous year (in 2016 - 683.79 million rubles). In the structure of fees, 54.35% occupy awards under contracts with legal entities, 45.65% - the share of premiums individuals. The amount of insurance payments last year amounted to 198.84 million rubles, the level of payments - 23.15%. In the first half of 2018, the Insurer received 430.1 million rubles awards, which is 22.63% more than in the same period of the previous year (in 2017 - 350.71 million rubles). The amount of payments for this period amounted to 119.88 million rubles, the level of payments - 27.87%.

According to the results of 2017, in the company's insurance portfolio, the most significant shares occupy: insurance of legal entities (39.21%), insurance of civil liability for causing harm to third parties (33.95%), voluntary health insurance (9.84%), insurance of financial risks (6.0%), insurance against accidents and diseases (4.8%), cargo insurance (2.1%).

With the help of mediators in 2017, the Company collected 297.89 million rubles awards (34.68%), the amount of average agency reward was 27.72%.

Partners of reinsurance companies are leading world reinsurers, such as Swiss Re, Hannover Re, Partner Re, RNPK.

According to the results of 2017, the organization showed 396 thousand rubles net profit under RAS and 1.7 million rubles cumulative income on mfs. The previous year, the society has finished with a net profit on the RAS in the amount of 99.45 million rubles and an aggregate loss in IFRS in 101.4 million rubles.

According to the Individual Reporting of the Insurer for 2017, the number of personnel amounted to 162 people, insurance agents of legal entities - 105 units, insurance agents-individuals - 68 people. (Of these, 21 are individual entrepreneurs).

Standard & Poor "s confirmed the rating financial Sustainability And the credit rating on the international scale at the level of "B-", on the national scale - "RUBBB". Subsequently, the ratings were recalled at the request of the issuer. At the time of the recall, the forecast on the ratings was "stable" (the date of actualization is September 9, 2015).

Guide:Alexander Lokoev (CEO).

Partners

Banks: North-West Bank OJSC Sberbank of Russia, PJSC Bank VTB, OJSC Alfa-Bank, OOO KB Kuban Credit and others.

The company's customers are more than 5 thousand enterprises, among which GC "Monarch", "RDDSTROY", PJSC "Volgomost", "Mosinzhproekt", "Logterra", GK "ARKS", OJSC "Krasnodarteploset", GUP "Sevastopol Autodor", GUP "Vodokanal of St. Petersburg", FSUE "Svyaz-Safety", LLC "TNS Energo Penza", Mosgortrans Mosgortrans, JSC "Gorelektroset", GUP "OKES", Waste Management JSC and others.

Insurance without risk: What insurance companies deprive the licenses?

The insurance market of Russia is no longer the first year shake out loud mergers, acquisitions, consolidation and license reviews. The process is logical. The young compared to Western, our insurance services market passes the stage of formation and adults. For a long time, insurance "schemes" has long left, a professional insurance came to replace him, which is becoming increasingly popular.

Insurance company is a complex financial mechanism. Insurance, as a branch, regulated by the Central Bank of the Russian Federation and is regulated federal laws and Civil Code RF. For violation of laws or non-compliance with the requirements for insurance companies, they have established, they can be withdrawn or suspended a license.

The requirements for insurers are due to the need to fulfill obligations to insurers in the event of insurance events. They relate to the size of the authorized capital, investment Policy Companies and rules for the formation of insurance reserves. These are the requirements of the law and the regulator.

And what are we with you, ordinary insureders? What criteria to evaluate us? Yes, the same. The size of the authorized capital and the reinsurance program are the most serious of them. Want reliability not on paper? Read feedback, talk with friends. Now, thanks to Osago, all companies are on the palm.

Review of the license precede the restriction and suspension of its action. The reason for such sanctions can be:

• a large number of complaints from the policyth to non-fulfillment by the company of its obligations;
• violation of the requirements for the formation of insurance reserves of the companythat should be sent to payments to customers;
• violation of insurance legislation;
• failure to comply with the requirements of the insurance supervisory authority.

Removed and suspended licenses of insurance companies

During restriction, the insurance company has no right to conclude new insurance contracts and make changes to current policies if they increase the amount of the obligations of the insurer. Payments are not suspended. If the reasons for the restrictions are safely eliminated, it is removed. If not, the license is suspended.

This is a more serious measure. At this time, the company has no right to conclude new insurance contracts, but is obliged to fulfill obligations under valid. The review of the license is an extreme measure, as a result, the company is declared bankrupt.

Number of insurance companies in Russia

Licensing is subject to all types of insurance that the company holds. There are licenses for OSAGO, voluntary medical insurance, property insurance, including CASCO, facilities of land, air and water transport, insurance of all types of responsibility.

The suspension and review of the license may concern both a separate type of insurance and all the company's activities.

If you have fallen into such a situation, you need to act, observing all bureaucratic procedures.

Feedback or suspension of the license means that the company cannot enter into new treaties, but payments must be made. Finally, the company is closed only after making the last insurance payment, which is enough money left after bankruptcy.

Given the active outflow of companies from the market, to find out before the conclusion of the contract, if the insurer does not have the prescriptions, and whether its license has a form of interest.

The procedure for obtaining compensation payments

You or your property (including Casco Polish) are insured in a voluntary basis. Simply terminate the insurance contract.

Do not neglect the insurance rules that are issued to you along with the contract!

There is a section on the early termination of the contract. It says that in the event of the liquidation of the insurer, you have the right to terminate the contract and get back the insurance fee is proportional to its non-expired period. If the troubles in the form of a license revocation occurred shortly after the conclusion of the contract, that is, the chance to return almost all the money.

If there has been an insief case on voluntary species

A situation is possible when the company is deprived of the license and quietly disappears from the field of view of its customers or simply ceases to accept applications from them. If the company responds or a license is suspended voluntary appearance Insurance, the state cannot help you, since he has no levers of influence, unlike compulsory species (OSAGO). Therefore, all disputes with the insurer will have to be solved through court. Again open the insurance rules and study the section about the duties and order of the parties on the occurrence insurance case.

Particular attention is paid to the deadline for notifying the insurer of the insurance event.

Which court apply for an insurance company

So your actions:

If the company lost licenses and is in the process of bankruptcy, to receive payments it is necessary to join the procedure as a lender. Otherwise, you can stay at all without insurance compensation.

In this case, you need to contact the Russian Union of Motor Education (RSA)which is entrusted with the obligation to implement the compensation payments according to the Federal Security Service "about the OSAGO". On his official website www.autoins.ru in the "Compensation Payments" section, you can find the application form. It needs to be filled out and attach a package of documents to it. Their list can be found on the same site page.

Procedure for implementation compensatory payments OSAGO

Within 20 days in the RSA should consider your statement. In any case, it's troublesome, and it is better to enlist the help of an Avto Unitary. It will not be superfluous and in the case of judicial trial with insurance company.

Companies that are limited or suspended licenses

As recognized by the Central Bank of the Russian Federation, a large number of insurance companies - about 25% - do not meet the requirements of financial sustainability. Started a few years ago cleaning insurance market continues. Another decade ago in Russia there were more than a thousand insurance organizations. It remains 300.

The need to appeal to RC

2015 year became recently Works for 70 Russian insurance companies. Less than half of 2016, the market had already left 31 company and another 15 license was suspended for all types of insurance. Three companies are prohibited from entering into contracts for certain types of insurance, including CTP.

Restriction on insurance OSAGO is currently imposed on:

For all types of insurance, licenses are suspended:

• Mosoblgarant;
• Universal guarantor;
• White;
• Hephaest;
• Antal-Insurance;
• BSK Resonance;
• Insurance society "Borovitsky";
• Gala;
• Republican insurance house;
• Invest-reserve;
• Trade union;
• AKOMS;
• Diamond;
• Insurance investments;
• Healthy family-guarantor;
• Economicism;
• Insurance technologies of the 21st century;
• Avangard Polis;
• Multitrede.

Central Bank deprived of licenses at once seven insurance companies

Reliable to use the services of large insurers. Policy Osago stands the same in all companies within a certain territory. It makes no sense to save on insurance protection, turning to regional companies with a dubious reputation. Stop list of insurance companies is published by the Agency of Insurance News.