SK consent

Performance indicators

2023: Growth of net profit by half - up to 4.1 billion rubles

Insurance group "Consent" in 2023 earned 4.1 billion rubles of net profit, which is twice as much as profit a year ago. Such data were released in April 2024.

From the materials of "Consent" it follows that the net profit of the insurance company "Consent" amounted to 3.9 billion rubles, and the company "Consent-Vita" - 218 million rubles. In terms of profit, the two companies showed an increase of 90% and 76%, respectively, compared to the results of 2022. Group premiums increased by 20.3%, to 54.9 billion rubles.

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Premiums on car helmet, the main type of insurance "Consent," in 2023 showed an increase of 21.6% in relation to 2022 and reached 19.7 billion rubles. Property insurance revenues increased by 16.3% (9.8 billion rubles) compared to 2022, and for personal types of insurance - by 10.7% (6.2 billion rubles). An increase of 73.4% was shown by life insurance premiums - in 2023, fees amounted to 7.7 billion rubles. In 2023, the Soglasie insurance group settled over 1.8 million insured events in the amount of 20.8 billion rubles. At the end of 2023, the group's capital increased by 6.9% and reached 17.96 billion rubles, and assets increased by 18.1% and amounted to 70.6 billion rubles. Insurance reserves increased by 22.3%, to 45 billion rubles.

{{quote 'We achieve consistently high performance thanks to a special approach to our business and our mission - to help people in difficult life situations, - says Maya Tikhonova, CEO of the Soglasie insurance company. Despite the company's leading position in the digital direction and the constant work on the development of digital systems, we strive to always maintain a balance between digitalization and live dialogue, which allows us to individually respond to each appeal^[1]. }}

2019

The maximum income of the agent of Soglasie IC is 8.6 million rubles

On January 28, 2020, Soglasie announced that the agent's maximum income in 2019 amounted to 8.6 million rubles. - this is how much the company's agent earned in Moscow. However, you can earn millions not only in the capital. So, in 2019, the maximum agent income in Novosibirsk amounted to 6.8 million rubles, in Samara - 6.4 million rubles. In Krasnoyarsk and Perm, it exceeded 4 million rubles, in Izhevsk and St. Petersburg - 3 million rubles. Among the cities in which the agent's earnings were more than 2 million rubles, are Pskov, Tula, Smolensk, Yuzhno-Sakhalinsk, Yekaterinburg, Taman, Kemerovo and Stavropol. In general, the amount of more than 1 million rubles. earned agents in 26 cities.

If we compare the regions by the average income of agents, then Yuzhno-Sakhalinsk will come first - in this city in 2019, agents, on average, earned 488,175 rubles. In second place is the city of Kyzyl (330,967 rubles). Places from third to fifth are occupied, respectively, by Izhevsk (202,552 rubles), Vladivostok (200,618 rubles) and Novosibirsk (184,849 rubles). They are followed by Samara (184,384 rubles), Ivanovo (163,989 rubles), Chita (163,783 rubles), Yakutsk (158,347 rubles). Closes the top ten Vladimir (155,397 rubles). Moscow (149,641 rubles) and St. Petersburg (143,906 rubles) are not included in the top 10 - they have 11 and 12 places.

The profession of an insurance agent is usually chosen by active people of mature age who previously worked in other industries. According to statistics from the insurance company Consent, the age of 33% of agents is from 31 to 40 years. People over 50 years old - 27%, 41-50 years old - 23%, 20-30 years old - 15%. The smallest proportion of youth (under 20 years old) is 2%.

Most often, agents over 50 are successful in work - they earn 39% more than the average income. The highest average earnings (157,786 rubles) for women of this age. There are twice as many women in the agency profession as men - 67% versus 33%.

Unlike many other professions for an agent, age does not play a significant role. So, the youngest agents of the insurance company "Consent" are 18 years old. They work in Moscow,, Abakan,, Bryansk,, Kemerovo Kirov Lipetsk Perm,,,, and. St. Petersburg Smolensk Tomsk The oldest To Ufa agent is 82 years old - this is an agent from Kemerovo. In almost all cities of the presence of "Consent" among the agents of the company there are people of retirement age and older.

The main advantage of Consent in working with agents is a high reward. The company also offers additional motivation when achieving targets, payment of remuneration at least once every 2 weeks. At the disposal of our agents is a wide product line (including life insurance products), good offers and tariffs, an individual approach to the work of the agent and managers. We are interested in cooperation with all agents - individuals and legal entities. By 2021, we plan to increase the number of agents to 13 thousand, and regional divisions, including agencies and sales offices, to 500. We attract professional agents from the market and recruit new agents. With the help of the School of Consent Agents, we give everyone the opportunity to learn how to sell, - comments Ruslan Satyukov, retail sales director of the insurance company "Consent"

Growth of accrued OSAGO premium by 22%

The accrued premium for MTPL insurance Soglasie for 2019 increased by 22% compared to the same indicator a year earlier and reached 6.833 billion rubles. According to the data, the company Russian Union of Auto Insurers rose from 13th to 10th place in the market. Consent's market share increased from 2.5% to 3.1%, the company said on January 23, 2020.

The number of concluded contracts that came into force was 1,171,462, which is 24% more than in 2018. The amount of the average contribution for customers decreased to 5833 rubles. (-1.4%). The average payment, on the contrary, increased by 2.4% and amounted to 64,170 rubles.

In 2019, the insurance company Soglasie settled 59,416 insurance cases under OSAGO and paid 3.813 billion rubles.

As a result of the expansion of the OSAGO portfolio and, accordingly, an increase in market share in a number of regions and in the country as a whole, our company managed to rise by three positions by the end of 2019 and enter the top ten OSAGO insurers. As growth factors, it is worth noting a very cautious approach to this type of insurance in 2018 and the development of our Internet channel in 2019, - Dmitry Kuznetsov, deputy general director of the Soglasie insurance company, commented on the results of the year. - Unlike a number of market participants, we did not sharply reduce tariffs in January-February last year. The increase in OSAGO fees became relevant for us in the second half of the year, when we were convinced that this market was emerging from the crisis. In 2020, we do not plan to grow on OSAGO at a very high pace, as we continue to consider this market as high-risk, including due to aggravated price competition.

Exit from bail

The insurance company "Consent" on October 21, 2019 announced that it was withdrawn from bail in connection with the full repayment of the loan.

The shares of the structures of the group "" Onexim- LLC Interconsento"" Onexim Holdings Ltd and - in SK Soglasie LLC (58.29% and 41.71%, respectively) were pledged To Sovcombank at the end of June.

History

The insurance company "Consent" was a captive company of "Interros" and only after it went to Mikhail Prokhorov began to develop as an independent player in the market.

2022: Creation of a subsidiary IT structure

The insurance company "Consent" on July 5, 2022 informed TAdviser about the creation of a subsidiary of "Consent Technology." As representatives of Concord specified, the subsidiary will specialize in the IT block. Read more here.

2021

Twin cars, dummy witnesses and deceived truck drivers - what the attackers are going to

In 2021, employees of the security department of the Soglasie insurance company prevented attempts by intruders in motor insurance to illegally receive funds totaling 241 million rubles.

Employees of the security department have compiled a list of schemes used by criminals in car insurance in 2021.

1. staging of an accident in a deserted place. Often attackers arrange real accidents with confirming video and photography. In most such cases, the shooting is conducted by a witness who allegedly accidentally finds himself at the right time and in the right place. At the same time, mainly staged accidents are committed in deserted places - in garage cooperatives and rural areas. This scheme is widespread in compulsory car insurance, the payment is made in monetary terms, and not in the form of repairs. Many attackers choose in advance such cars that the insurer will not be able to repair in accordance with the law on OSAGO. The reasons may be the long delivery time of spare parts (for example, if it is a Japanese car), the replacement of expensive parts (Jaguar, BMW), where the amount of damage will exceed the insurer's liability limit, or the recognition of the constructive death of a car as a result of an accident.

2. Staged accident with a truck. The number of staged accidents has increased, where the future culprit is determined in advance - an unsuspecting truck driver. Thus, the insurance company "Consent" identified an attacker who arranges an accident in Moscow and the Moscow region. Evgeny S. owns 7 cars, but only on cars of the same brand and model (Nissan Cedric), according to the traffic police, got into 168 accidents. According to the database of court cases of one of the courts of Moscow, since 2017, he has repeatedly filed lawsuits against insurance companies (RESO-Guarantees, Ingosstrakh, Rosgosstrakh, Concord, MAKS and others). To organize an accident in which Yevgeny S., according to his plan, looks like an injured party, he chooses mainly trucks, whose drivers find it more difficult to monitor the "blind spots." Accidents mainly occur while driving in a roundabout. Earlier in the capital, a car changer on Bentley Continental was seen, which provoked about 60 accidents, law enforcement agencies became interested in his actions.

3. Car theft under the guise of rent. Employees of the Concord security department exposed a group involved in the theft of expensive cars in Moscow. Criminals under the guise of rent drove cars, including Mercedes-Benz AMG G63 insured in Consent worth 16.5 million rubles, outside the country. During the investigation conducted by the employees of the Concord security department, a circle of persons involved in the theft of a car was established, the information was transferred to law enforcement agencies, a criminal case was initiated on the fact of fraud. The attackers were detained, the car was found in another region and returned to the insured, the criminal case is under investigation.

4. using twin cars. Employees of the Concord security department exposed a group that was involved in staging car theft in the Tambov region. In a car insurance company for 2 million rubles. Volkswagen Touareg was insured. Then the person who entered into an insurance contract announced the theft of the vehicle, submitted documents from law enforcement agencies to initiate a criminal case on the theft of the car. During the investigation, it turned out that Volkswagen Touareg had previously participated in an accident, as a result of which it was broken into a "total" (to a state of constructive death). When insurance for inspection, a twin car with broken identification numbers was presented. The attacker insured him, turned to the police and the insurance company and announced the theft. The information received was sent to the law enforcement agencies of Tambov. A double car was discovered, a group of people involved in an illegal enrichment attempt was detained, a criminal case on the fact of theft was terminated and another was initiated - for an attempt to commit insurance fraud. Subsequently, together with the police officers, involvement in the commission of the crime of the applicant and other detainees was established and proved. The group was convicted of attempting to commit insurance fraud.

New Director of IT Department - Alexander Shestakov

In August 2021, Alexander Shestakov was appointed director of the information technology department of the Soglasie insurance company. Read more here.

2020

Contract with Maya Tikhonova for the leadership of Soglasie IC in the next three years

On April 17, 2020, the Soglasie insurance company announced that CEO Maya Tikhonova will continue to lead the company in the next three years. Read more here.

Opening of a third franchise sales office in Tula

February 5, 2020 in Tula at ul. Proletarskaya, house 24 began to work the third sales office of the insurance company "Consent" on the franchise. In the office, you can purchase any policy of insurance companies "Consent" (Casco, OSAGO, accident insurance, voluntary medical insurance) and "Consent-Vita" (life insurance products).

Consent provides the partner with access to the entire product line of the insurance company, IT systems and resources, provides comprehensive organizational and advertising support. Consent cooperates with partners without a lump sum fee and royalty. When fulfilling the franchise business plan, the company compensates for part of the costs of franchisees, including rent. Franchisees can be anyone with experience in insurance, portfolio and start-up capital.

The division is located on the territory of the Proletarsky district of Tula, which houses the offices of many corporate clients of the branch, "said Alexander Skvortsov, director of the Tula regional branch of the Soglasie insurance company. - The first office of the insurance company "Consent" on the franchise, opened in Tula in 2019, works effectively. We are considering several more proposals by our agents to open similar offices in other areas of Tula and the region.

The insurance company "Consent" intends to increase the number of agents to 13,000 by 2021, and fees through the agency channel - up to 20 billion rubles. According to the company's development strategy for this channel, the opening of franchise offices is one of the key areas. The company plans to increase the number of offices of this format in priority regions. The first two sales offices for the Soglasie insurance company franchise were opened in Tula and Moscow in 2019.

For 9 months of 2019, the Tula regional branch of Soglasie IC collected 512 million rubles. premiums, paid 197.7 million rubles.

Suppression of the activities of the organized criminal group together with the Main Directorate of the Ministry of Internal Affairs of Russia for the Moscow Region

Employees of the UEB and PC of the Main Directorate of the Ministry of Internal Affairs of Russia for the Moscow Region and specialists of the security department of the Soglasie insurance company identified and stopped the activities of an organized criminal group operating in Moscow and the Moscow Region. The organized group illegally received insurance compensation for alleged accidents (various injuries) over several years. This was announced on January 23, 2020 by the Consent company.

The group included employees of medical institutions in Moscow and the Moscow region, lawyers and other citizens who jointly staged insurance cases, falsified medical documents and provided them to the insurance company.

The group brought together more than 30 people who acted under the same leadership and jointly committed crimes aimed at obtaining material benefits. Each member of the organized group knew about the goals of its creation and deliberately acted criminally.

The organized group was characterized by stability, cohesion and clear distribution of roles among the participants, had a hierarchy and stable composition, a common material base, which was used, among other things, to commit subsequent crimes.

During joint events, law enforcement agencies, together with employees of the security department of the Soglasie insurance company, identified and documented more than 100 episodes of the group's criminal activities against the insurance company. According to preliminary estimates, the amount of damage caused by attackers may exceed 10 million rubles.

The activities of the criminal group have been suppressed, criminal cases have been initiated against the most active of its participants on the grounds of a crime under Part 4 of Art. 159.5 of the Criminal Code. The organizers and the main actors are detained and confess.

Cooperation between law enforcement agencies and specialists of the security department of the insurance company "Consent" continues. As of January 23, 2020, operational-search and investigative actions are being carried out to identify additional episodes of crimes and document the illegal activities of all members of the organized group.

Appointment of Albert Ishbulatov as director of a branch in Tatarstan

The branch of the insurance company "Consent" in the Republic of Tatarstan was headed by Albert Ishbulatov. The company announced this on January 21, 2020. Read more here.

Opening an office specializing in mortgage insurance in Tula

The insurance company "Consent" has opened an office in Tula specializing in mortgage insurance. This was reported by "Consent" on January 21, 2020. Customers of the company can conclude contracts for all types of insurance related to mortgages - collateral, life and health, title.

An additional office is located on Lenin Avenue near the divisions of partner banks and real estate agencies with which the branch of the Soglasie insurance company in Tula cooperates. In 2019, the mortgage insurance branch's business more than doubled.

In 2019, two territorial agencies were opened in the Tula region in the cities of Aleksin and Efremov, a specialized agency office, the first agency office for a franchise in Soglasie.

Appointment of Sergey Dudin as Director of the North-West District Branch

On January 14, 2020, the Consent company Sergey Dudin was appointed Director of the North-West District Branch. Read more here.

Appointment of Alexandra Yershova as Director of the Tver Regional Branch

On January 14, 2020, the Soglasie company announced that Aleksander Yershov had been appointed director of the Tver regional branch. Read more here.

2019

Opening of three offices in the Tula region

In December 2019, the insurance company "Consent" opened 3 offices in the Tula region. The development of the agency network and the growth of retail sales are strategic goals of the company. To achieve the set goals, Consent continues to increase the number of offices in the regions of the country.

The agency sales department moved to the office opened in Tula at ul. Svoboda, house 35. In a room with an area of ​ ​ more than 100 square meters, comfortable conditions have been created for the work of managers of agency groups and workplaces for agents. According to Alexander Skvortsov, director of the Tula regional branch of the Soglasie insurance company, the creation of offices will further strengthen Soglasie's position in the property insurance market in the region. The agency office is expected to provide comfortable working conditions for agents, the number of which in the branch almost doubled over the year and reached 200.

Also in December, the company opened two territorial agencies in the cities of Aleksin and Efremov, Tula Region. The company offers insurance products to individuals and small and medium-sized businesses, and the active formation of its own agency networks has also begun in these divisions.

In January 2020, the company will open a mortgage center in Tula, which is located near the offices of the main partner banks and real estate agencies.

Vasily Skripnik headed the Ryazan branch

In December 2019, Vasily Skripnik was appointed director of the Ryazan regional branch of the Soglasie insurance company. Read more here.

Olga Trofimova appointed director of the Voronezh branch

On December 22, 2019, Soglasie IC announced that Olga Trofimova had been appointed director of the Voronezh regional branch of the insurance company. Read more here.

Elena Slastenina appointed director of the Saratov branch

On October 23, 2019, the Soglasie insurance company announced that Elena Slastenina had been appointed director of the Saratov regional branch. Read more here.

Andrey Talalai headed the Belgorod branch

On October 21, 2019, the Soglasie insurance company announced that Andrei Talalai had been appointed director of the Belgorod regional branch of the company. Read more here.

Roman Sukhopalov headed the Nizhny Novgorod branch

On September 20, 2019, the Soglasie company announced the appointment of Roman Sukhopalov as director of a branch in Nizhny Novgorod. Read more here.

Opening of the first franchise sales office in Tula

On June 5, 2019, the opening of the first selling division of the updated format of the insurance company "Consent" took place in Tula. The Tula region became the first region to open franchise offices, the company said.

The agent has his own office, as well as access to the full product line of the insurance company, IT systems and resources, comprehensive organizational and advertising support. This format of cooperation is convenient and beneficial for agents, - Ruslan Satyukov, head of the retail sales block of the Soglasie insurance company, is convinced.

The insurance company "Consent" intends to increase the number of agents from 4,200 to 13,000 by 2021, and fees through the agency channel - up to 20 billion rubles. According to the company's development strategy for this channel, the opening of franchise offices is one of the key areas. The company plans to increase the number of offices of this format in priority regions.

Appointment of Olesya Sabanova as Director of Personal Insurance Underwriting Department

On May 17, 2019, the Soglasie insurance company announced the appointment of Olesya Sabanova as director of the underwriting department for personal types of insurance. Read more here.

Appointment of Kirill Pavlov as Director of the SK Branch in St. Petersburg

On April 25, 2019, the Soglasie insurance company announced the appointment of Kirill Pavlov as director of the SK branch in St. Petersburg (North-West District Branch). Its task is to develop the company's business in the insurance market of St. Petersburg and the Leningrad Region. Read more here.

Appointment of the head of the retail sales unit and his deputy

On March 14, 2019, the Soglasie insurance company announced the appointment of Ruslan Satyukov as head of the retail sales block, and Sergei Vakulchenko as deputy head of the retail sales block. Top managers are responsible for the development of agency and direct sales. The main task of managers for the coming year is a twofold increase in sales of the agency and direct channel and the number of company agents.

The development of the agency channel is one of the strategic goals of the insurance company "Consent" for 2019. We have already done a lot to achieve it. Last year we created the Agents Club, "said Maya Tikhonova, general director of the Soglasie insurance company. - We hope that since 2019, thanks to the vast experience, high level of professionalism and managerial talents of Ruslan Satyukov and Sergey Vakulchenko, we will be able to strengthen the efficiency of agency and direct sales channels and achieve the set goals for intensive development of retail insurance.

2018

Net profit growth to RUB 3.2 billion.

On March 12, 2019 insurance , Soglasie announced that it had entered into 2.4 million insurance contracts in 2018. The company's net profit increased 1.8 times compared to 2017 and reached 3.2 billion rubles.

The premium of the insurance company "Consent" for 2018 amounted to 29.9 billion rubles. At the end of 2018, fees for voluntary types of personal insurance, property and liability insurance occupied 80.3% of the portfolio, while a year earlier this figure was at the level of 72.4%. The structure of the company's revenues was dominated by motor types of insurance. The share of auto insurance fees increased from 40.5% to 44.8%, the share of OSAGO decreased from 26.2% to 18.7%. The share of property insurance premium increased from 14.6% to 16.4%, liability - from 5.8% to 6.2%, personal insurance (including insurance against accidents traveling abroad and voluntary health insurance) - from 12.8% to 13.8%.

Revenues from voluntary types of insurance amounted to 24.02 billion rubles. On auto insurance, the company received a premium of 13.4 billion rubles, on personal insurance - 4.1 billion rubles. (including 2.3 billion rubles on VHI). The fastest pace in 2018 was growing fees for international insurance "Green Card," reaching 779.5 million rubles, and insurance of those traveling abroad (841.5 million rubles).

In 2018, the insurance company Soglasie paid 16.6 billion rubles to customers. In the structure of payments, 70.9% fell on voluntary insurance. The main share was taken by payments for motor types of insurance (76.1%) and personal insurance (14.4%). Another 5.2% were property insurance payments, 4.2% - liability.

author '= Maya Tikhonova, CEO of Soglasie insurance company ' The insurance company "Consent" for four years ends the year with a profit. Net profit return on equity was 55% in 2018. This is a good indicator that testifies to the sustainability and successful development of the company. Our goals for 2019 are to increase the customer base, increase the number of agents and develop auto insurance, insurance of property of individuals and legal entities, voluntary medical insurance, as well as rather complex and rare types of insurance business - insurance of marine, agricultural and financial risks. At the end of 2019, the insurance company "Consent" plans to increase fees to 40 billion rubles.

Growth of Soglasie-Vita assets by more than 2 times

At the end of 2018, the assets of the Soglasie-Vita insurance company reached 2.5 billion rubles, an increase of 111.6%. Net profit reached 43.3 million rubles, which is 1.5 times more than in 2017. Read more here.

2013: Profit - 38 million rubles

"Consent" completed 2013 with a profit of 38 million rubles. In 2013, the insurer collected almost 42.9 billion rubles. Premiums (against 34.5 billion rubles in 2012) And the company's payments for 2013 amounted to 23.6 billion rubles. (the same indicator of the previous year ‒ 18.6 billion rubles.). This follows from the annual reporting of Consent under RAS, according to IFRS, the company will probably be in the red.

2011: A + Rating: High Reliability

For 9 months of 2011, the volume of insurance premiums collected by Soglasie IC amounted to 19.1 billion rubles, which is 58% higher than the same indicator in 2010. Insurance premiums made by the company amounted to 9.13 billion rubles, (an increase of 94%).

insurance companies Russia In 2002, in the national rating conducted by the Expert RA rating agency, the Insurance Company "Consent" was assigned, and in April 2011 the reliability rating A + ("Very high level of reliability") was confirmed.

2012

As of February 2012, the company provides more than 90 types of voluntary and compulsory insurance. Paid authorized capital of the Company amounts to 4.3 billion rubles.

Soglasie is one of the largest participants in the Russian reinsurance market, which is confirmed by long-term cooperation with large Russian and Western insurance and reinsurance companies and brokers. The company's reinsurance partners are Hannover Re, Munich Re, Swiss Re, SCOR and other highly reliable reinsurers. In 2012, the company's reinsurance capacities were increased to 3 825 000 000 rubles, which makes it possible to leave large customer risks on their own hold.

The presence of an extensive branch network (78 branches, 249 agencies, 176 remote workplaces and 128 additional offices) allows the company to provide insurance protection for the property interests of customers throughout the Russian Federation.

2014: Fourth CEO in four years

The personnel policy in the company is characterized by extreme chaos. In March 2014, Maya Tikhonova became him, and this is the fourth general director over the past four years^[2].

1999: Establishment of the Tula Regional Branch

The Tula regional branch of the Soglasie insurance company was founded in March 1999.

Participation in organizations

For 2012, Soglasie Insurance Company LLC plays a large role in the Russian insurance community, being a permanent member of a number of associations of Russian insurers and taking an active part in the development of legislative initiatives aimed at improving the regulatory framework of Russian insurance. SC Consent is a member of the following industry associations and pools:

• All-Russian Union of Insurers (VSS);
• Russian Union of Auto Insurers (RSA);
• Interregional Union of Medical Insurers;
• Moscow Association of Insurers;
• Russian Insurance Nuclear Pool;
• Russian anti-terrorist insurance pool;
• Russian Association of Aviation and Space Insurers;
• Industrial Safety Liability Insurers Association (Industrial Safety Insurers Association);
• Association of Insurers of the Fuel and Energy Complex of the Russian Federation (ASTEC);
• The Fund for the Promotion of Transport Insurance in the Russian Federation - under the Ministry of Transport;
• Russian insurance yacht pool;
• Associations of insurance organizations and transport enterprises;
• Associations of international road carriers;
• Medical Law Associations;
• Non-profit partnership "International Self-Regulatory Organization of Professional Arbitration Managers" under the auspices of the Russian Union of Industrialists and Entrepreneurs;
• Non-profit partnership "Audit Chamber of Russia";
• Russian Bureau of Green Card;
• Russian insurance pool for liability insurance of hazardous production facilities;
• Professional Anti-Theft Association.

Notes