Antal insurance company revoked the license. Company reviewsantal insurance
It has been operating in the insurance market of the Russian Federation since 1999, the company "Antal-Insurance". Address in Moscow: Moscow, st. Lenin Sloboda, d. 26.
Basic information
- accident and illness insurance;
- voluntary health insurance;
- CASCO, CTP;
- air transport insurance;
- cargo protection;
- agricultural insurance, which includes the protection of crops, perennial crops, domestic animals;
- property insurance of individuals and legal entities that does not provide for car insurance;
- protection of the responsibility of organizations that operate unsafe facilities;
- third party liability insurance;
- protection against business risks;
- protection against financial risks.
Today, Antal Insurance has revoked its license, but obligations under previously concluded contracts are fully provided. Moreover, intensive work is underway aimed at the resumption of activities. Testimonials show that customers who made deals earlier lost nothing.
CASCO in IC "Antal-Insurance"
Car insurance is a necessary measure that allows in case of theft, theft, traffic accident and other unforeseen situations, as a result of which damage to the car may be caused, to compensate for losses.
"Antal-Insurance" CASCO offers in several versions. It’s popular, if you believe the reviews, the full CASCO, providing for damages due to a traffic accident, fire, natural disaster, theft, car theft, loss (theft) of car parts, intentional damage to cars by third parties, accidental damage. The insurance company also offers a partial CASCO, which will cover the risks identified by the client. The cost of the policy will depend on the brand of car, as well as the region of the transaction.
What conditions?
The client is given the opportunity to choose conditions depending on the wear and tear of the car, the need for life and health insurance for the driver and all passengers. The company "Antal-Insurance", customer reviews of which testify to the professionalism of employees, always faithfully provides consulting services that allow you to choose the best solution. Policies are offered in various price categories.
All of the above conditions will affect the cost of car insurance. For Antal Insurance Company, the average CASCO cost is 4.5-10 percent of the car price.
CASCO damages are as follows:
- car restoration;
- insurance compensation to the policyholder in cash;
- monetary compensation for repairs.
The KAKSO insurance policy in Antal-Insurance also allows you to insure civil liability for car owners, that is, this policy is compiled with the CTP insurance policy (compulsory civil liability insurance of vehicle owners). In this case, two insurance options are possible: according to the seat system and the lump-sum system.
In the first case, the transaction is based on the number of seats in the car, in which each is insured separately. The lump-sum system provides for the conclusion of a transaction for the entire interior of the car as a whole.
CTP policy
Compulsory liability insurance of car owners in Antal-Insurance will allow the vehicle owner in the event of material damage to other road users not to worry about covering these costs. The maximum amount of compensation for the policy, if the insurance contract is concluded before 03/31/2015, is 160 thousand rubles, if after - 500 thousand rubles.
A prerequisite for concluding a compulsory motor third-party liability insurance contract is a diagnostic map of the vehicle’s condition.
There are several options for insurance for compulsory motor liability insurance:
- providing for the management of this transport an unlimited number of persons;
- providing management of a certain circle of persons;
- providing management in a certain period of time by a certain person.
Antal Insurance Company may become a reliable partner. Customer reviews indicate that the organization provides full compensation in the event of an insured event.
Property insurance for individuals
Under this program, activities are carried out in two directions: insurance of movable and real estate. Antal Insurance Company introduces some restrictions for objects subject to insurance. A deal cannot be concluded if the property is dilapidated, damaged, unusable, consumables (cosmetics, perfumes, food). Animals and birds, seedlings and seeds, documents, drawings, securities, banknotes, precious metals bullion, manuscripts, video, audio materials are also not insured.
Insurance cases include:
- fire,
- the bay
- explosion,
- natural disasters (lightning, tsunami, cyclone, hurricane, tornado, flood, earthquake, rain, hail, landslide),
- illegal actions of third parties (theft, hacking, robbery, vandalism, etc.).
Today, many people trust Antal Insurance. Customer reviews show that she fulfills contractual obligations in all situations in full.
Health insurance
Personal insurance is aimed at insurance of life, health, working ability of an individual.
The company offers a health insurance policy. Compensation can be paid when a client contacts a medical institution in order to receive assistance in connection with a deterioration in health. Appointment by the doctor of appropriate therapy, diagnostic procedures are also paid in full.
When is no compensation paid?
Exceptions to the occurrence of an insured event are the appeal to the medical institution of the insured in a state of alcohol or drug intoxication due to injury, poisoning. Compensation will not be paid if the client seeks help as a result of injury or other deterioration in his state of health resulting from unlawful acts, intentional self-infliction of damage, attempted suicide.
Accident insurance
Antal Insurance Company provides such type of services as accident insurance. The transaction may be individual or group.
Compensation is paid in such cases:
- trauma resulting from an accident;
- acute poisoning by food, chemicals;
- deterioration of a woman’s health due to difficult birth;
- accidental death.
Exceptions for the occurrence of an insured event are:
- infliction of intentional injuries by the insured;
- injuries sustained by the insured while intoxicated, while driving or as a result of transfer of control of the vehicle to a person who is intoxicated;
- adverse effects of preventive, diagnostic or therapeutic procedures that are not related to the cases specified in the insurance policy.
The contract is voluntary. An exception is group transactions in enterprises. In potentially hazardous industries, accident insurance is mandatory.
Legal entity insurance
The company "Antal" provides insurance for the following property of legal entities:
- building;
- structures and roads;
- engineering and industrial equipment;
- construction in progress;
- interior items;
- inventory items.
Unable to insure:
- availability;
- securities;
- documentation;
- technical storage media;
- mobile equipment;
- farm animals;
- real estate in disrepair;
- property located in areas subject to systematic natural disasters, natural disasters.
Insured events are:
- fires;
- lightning;
- explosions
- natural disasters;
- the effects of water;
- accidents;
- illegal actions of third parties.
Collateral Insurance
This is a procedure that allows you to guarantee reimbursement to the lender in case of loss of collateral. Securities and real estate may act as collateral.
Compensation is made in case of loss or damage to the subject of the pledge in connection with a fire, explosion, lightning strike, technical accident, unlawful actions of third parties, natural disasters (earthquake, volcanic eruption, flood, flood, storm, hurricane, tornado, typhoon, tsunami, hail , ice, landslide, subsidence, collapse, rockfall, avalanche, mudflow, groundwater flooding).
Compensation will not be paid under these conditions:
- nuclear explosion, radiation;
- hostilities;
- destruction of collateral by order of state authorities;
- identifying collateral defects hidden by the policyholder;
- violations of safety rules when handling collateral.
Antal-Insurance LLC is a universal company, small in fees. According to the results of 2014, the company took 187th place in terms of collected insurance premiums among Russian insurers. The main component of the company's insurance portfolio in 2014 was auto insurance, in particular, motor hull insurance (~ 90%). Antal-Insurance LLC does not have branches and representative offices, as well as subsidiaries. The head office is in Moscow.
The Bank of Russia, by its order of June 2, 2016 No. OD-1762, revoked the license for insurance LLC Antal-Insurance.
This decision was made in connection with the failure to eliminate violations of the insurance legislation within the prescribed period, which were the basis for suspension of the licenses for insurance (Bank of Russia order dated March 23, 2016 No. OD-971), namely, non-compliance with financial stability and solvency requirements regarding the formation of insurance reserves, the procedure and conditions for investing own funds and insurance reserves.
Based on the decision of the Moscow Arbitration Court of March 17, 2017, Antal-Insurance LLC was declared insolvent (bankrupt) and bankruptcy proceedings were opened against it.
Antal-Insurance LLC was founded in 1999 as the Golden Reserve Insurance Company LLC. From 2001 to 2013, the company functioned under the name LLC FSO Capital Insurance Company. Currently, the company is a universal insurer, the main activity of which is focused on car insurance (comprehensive insurance, motor third-party liability insurance, civil liability insurance of vehicle owners).
Since August 2015, participants in the organization are individuals - Nikolai Selenkov (75%) and Natalya Gundorova (25%). Natalia Gundorova is the wife of Sergei Gundorov, co-owner of CB Antalbank, whose banking license was revoked on September 24, 2015. Previously, 75% of the authorized capital was owned by Technostroy LLC.
In the period from 2007 to 2011, the company's insurance premiums were insignificant and ranged from 9 to 31 thousand rubles. In the past three years, the company has shown a significant increase in insurance premiums. So, in 2012, the volume of revenues amounted to 4.67 million rubles against 17 thousand rubles a year earlier. In 2014, the volume of insurance premiums reached 295.15 million rubles (a similar indicator in 2013 - 121.45 million rubles), 99.92% of which are fees from individuals. By territorial distribution, the entire volume of insurance premiums was collected in Moscow, where the company took 108th place in terms of total contributions and 35th place in terms of hull insurance.
Payments in 2014 amounted to 109.54 million rubles. Payout level - 37.11%. Based on the results of work in the I quarter of 2015, the insurer collected 87.24 million rubles (an increase of 116.87% over the same period in 2014), paid 45.69 million rubles.
The company’s insurance portfolio in 2014 was 99.73% comprised of auto insurance, with hull insurance premiums accounting for 89.59%, and third-party liability insurance - 10.13%.
In 2014, with the help of intermediaries, the insurer collected 294.05 million rubles (99.63%), the average agent fee amounted to 18.01%.
According to the results of 2014, the net profit of the company, according to financial statements according to RAS, amounted to 6.51 million rubles, according to IFRS - 8.02 million rubles.
As of September 1, 2015, the company does not have ratings assigned by national or foreign rating agencies.
Guide: Oleg Voloshin (General Director), Diana Ryashentseva, Tatyana Savinkova.
The partner bank until September 24, 2015 was CB Antalbank. Currently, the Bank of Russia has revoked the license of a credit institution for banking operations.
Information about customers on the company’s website is not posted.
Antal-Insurance Company is a universal insurer that has a balanced insurance portfolio. She started her activity in 1999, since then her clients can use an extensive list of insurance services of the highest quality. The key goal of the insurer is to constantly improve and improve the quality of protection of property interests of the corporate and individual sector.
Licenses for conducting various types of insurance allow comprehensively protecting the interests of its customers. The company provides voluntary medical insurance, property insurance, comprehensive services to corporate clients, travel insurance, construction and installation works, OSAGO, etc.
Based on licenses, Antal Insurance Company provides the following types of insurance:
The official website of Antal-Insurance describes the company's priorities:
Customer reviews
Whatever the official site of Antal Insurance would say, customer reviews are much more important. They allow you to look at the company from the other side. Of course, any insurer has negative feedback, because not all situations fall under insured events. Nevertheless, viewing most of the responses will provide an objective picture. Consider some reviews.
Alexander has been awaiting compensation for an insured event for two months already. Before this, the insured event occurred in 2014, then it was necessary to replace the windshield. The car service did the job, but the money from the insurance company was never received. Her phones do not answer, but there are no offices at the indicated addresses. Needless to say, Alexander was unhappy. He considers Antal Insurance ordinary scammers.
Karina also not satisfied with the cooperation with Antal Insurance. She terminated the CASCO agreement, after which the company announced that in 10 days funds in the amount of 26,000 rubles would be returned. She left her details, but after three weeks the money was not transferred to the account. Karina called and asked about the reasons for the delay in payment. She also complains that they are not answering phone calls. Karina went to the addresses of the offices, and they turned out to be closed, the signs were removed, there was no connection.
Nikolayreplenished the number of dissatisfied. He insured his car with CASCO, at the beginning of 2016 he had an accident as a victim. After a traffic accident, the front bumper, headlight brackets, radiator grilles and anthers were damaged. He turned to Antal Insurance with the goal of recording a traffic accident so that they would send an emergency commissioner. After that, the problems began. He turned to the emergency commissioner service, which was indicated on a plastic card. At the other end of the wire, she irritably replied that they had terminated their partnership with Antal Insurance. After a call to the insurance company, he was informed that he needed to call the commissioner service. And so in a vicious circle.
After repeated appeals to Antal Insurance, the application was accepted, after a few days the emergency commissioner came to him, executed the documentation, took a photograph of the damage to the vehicle, took the documentation and left. As a result, after a maximum period, he was sent for troubleshooting. After it, it was noted at the car service that they would agree on a list of parts and the cost of work with the UK. Over time, an SMS message was received that all the details were agreed upon, spare parts were ordered, when they arrived, they would call Nikolai. A month later, he called the car service himself, where he was told that the car service is no longer cooperating with Antal-Insurance, since the insurance company does not pay the repair bill. It was reported that they can perform work at normal rates. Nikolai intends to seek justice through the courts.
As you can see, the company Antal-Insurance is an unreliable partner. Our website provides information about other insurers operating in the Russian Federation. The pages of our business portal provide information about the UK, and others. Here, site users will find not only a description of the organization, but also reviews of their real customers.
The lawyer answered - Koroleva S.O .:
Hello Oksana!
In accordance with Art. 1064 of the Civil Code of the Russian Federation, damage caused to property of a citizen is subject to compensation in full by the person who caused the damage. The person who caused the harm shall be exempted from compensation for harm if he proves that the harm was caused not through his fault.
Article 929 of the Civil Code of the Russian Federation establishes that under a property insurance contract one party (insurer) undertakes to reimburse the other party (policyholder) or other person for whose benefit the event (insured event) stipulated in the contract occurs, in which it is concluded agreement (to the beneficiary), losses resulting from this event in the insured property or losses due to other property interests of the insured (to pay insurance compensation) in Roedel specific contract sum (sum insured).
In accordance with the provisions of Articles 931, 935 of the Civil Code of the Russian Federation under a liability risk insurance contract for obligations arising from harm to the life, health or property of others, the risk of liability of the policyholder or another person to whom such liability may be imposed can be insured.
Relations for civil liability insurance of owners of sources of increased danger are regulated by the Federal Law of April 25, 2002 N 40-ФЗ "On compulsory insurance of civil liability of owners of vehicles."
In accordance with Art. 18 of the Federal Law of 25.04.2002 N 40-ФЗ "On compulsory insurance of civil liability of vehicle owners" compensation payment in respect of compensation for harm caused to the property of the victim is carried out in cases where insurance payment for compulsory insurance cannot be made due to the fact that number, revocation of the license from the insurer to carry out insurance activities.
However, in accordance with the provisions of paragraphs. 2 p. 5 Article 32.8 of the Law of the Russian Federation "On the organization of insurance business in the Russian Federation" dated November 27, 1992 N 4015-1 until six months after the entry into force of the decision of the insurance supervisor on the revocation of the license, the insurance subject is obligated to fulfill obligations arising from insurance (reinsurance) contracts, including making insurance payments for insured events.
Based on the hours 1, 2 tbsp. 13 of the Federal Law "On Compulsory Third Party Liability Insurance of Vehicle Owners" (as amended), the victim has the right to present directly to the insurer a claim for compensation for harm caused to his life, health or property, within the insured amount. The insurer considers the application of the victim for insurance payment and the documents attached to it stipulated by the rules of compulsory insurance within 30 days from the day they are received. During the specified period, the insurer is obliged to make insurance payment to the victim or send him a reasoned refusal to make such payment.
In the event of failure to fulfill this obligation, the insurer shall pay the penalty (fines) to the victim in the amount of one seventy-fifth of the refinancing rate of the Central Bank of the Russian Federation, effective on the day the insurer was to fulfill this obligation, from the sum insured by article 7 of this Federal Law by type compensation for harm to each victim.
The penalty provided for in the OSAGO Law applies to the professional association of insurers. This is also noted in paragraph 66 of the Resolution of the Plenum of the Supreme Court of the Russian Federation of January 29, 2015 N 2 "On the application by the courts of the legislation on compulsory insurance of civil liability of vehicle owners".
Thus, from these rules of law it follows that until the license is revoked from the insurance company, claims must be made against it. If the insurance company fails to comply with the court decision, this obligation is transferred to the Russian Union of Auto Insurers, including the recovery of the penalty for violation of the timing of the compensation payment.
You can always turn to our attorneys for help with litigation.
In accordance with Application No. 027639 of 02.25.2016. on TERMINATION of the CASCO Agreement of the SNT series No. 027639 of 02/10/2016. I was notified by representatives of Antal-Insurance LLC that within ten TEN days, IC Antal-Insurance LLC will refund the amount of 25530 rubles, which will be transferred to the details I left. 14 working days and 22 calendar days passed, but the amount was not received in my account. Then my husband and I decided to call and clarify why there is a delay in returning money. But to our regret, no one answered us on any phone number. Then we decided to go to Antal-Insurance LLC and in a personal meeting with representatives of the Insurance Company to find out what was the matter? Our amazement knew no bounds, because at two addresses, namely, Petrovsky Lane, 10, p. 2 and Leninskaya Sloboda, d.26, 2-1 floor, Omega-2 business center, from the INSURANCE COMPANY “TRACES WERE REMAINED !!!”. My husband went today again to make sure. in. that maybe we were wrong - no, not wrong: There is no insurance company, signs are removed, only old information is available on the Internet, there is no connection - it seems that Sk has evaporated !!! Where to go now, what kind of connection to use, to go to the trail of this company. If anyone knows where you can drive up or what new number to call - TELL. I also inform you that I wrote this SK to the email address, I have not yet received a reply!
Sincerely, Lyubov Nikolaevna.