Insurance House VSK

The VSK Group includes the following insurance companies: SAO VSK, LLC VSK-Life Line, LLC SK INTERI (formerly SC "Europlan"), LLC "VSK-Mercy."

VSK membership in non-profit and public organizations

• All-Russian Union of Insurers (VSS)
• National Union of Liability Insurers (NSSO)
• Russian Anti-Terrorist Insurance Pool (RASP)
• Russian Association of Aviation and Space Insurers (RAAX)
• Russian Union of Auto Insurers (RSA)
• Russian Nuclear Insurance Pool (RYASP)
• National Association of Nuclear Industry Insurers (NASAO)
• CCI Committee on Entrepreneurship in the Construction Sector
• National Union of Agricultural Insurers (NSA)
• Russian Union of Industrialists (RSP)
• Russian Union of Travel Industry
• Association of Russian Exporters
• Association of Industry Unions
• Association of Regional Banks
• Association of Russian Banks
• National Union of Brewing Barley and Malt Producers
• Russian Union of Millers

Illustration: nr-citynews.ru

Information technologies in the Insurance House VSK

Information technologies in the Insurance House VSK

History

2024: TAdviser interview with board member director Olga Sorokina

Insurance House VSK brought the settlement on MTPL and casco to a technologically new level, scaling the pilot project for the exchange of information ROAD ACCIDENT about "" satellite system ERA-GLONASS through - API interfaces. Thanks to the implementation of the project, the settlement insurance of cases has accelerated significantly, and the number of attempts at fraud has decreased. In which other insurance segments the technology of open software interfaces can be used, said Olga Sorokina a member of the Board of Directors of the Insurance House VSK, Chairman of the Committee for the Development of Digital Financial Products and Services. FinTech Associations Read more here. [1]

2023: Payment of RUB 48.6 bln to customers for the year

In 2023, VSK Insurance House paid a total of over 48.6 billion rubles to its clients, on average - more than 133 million a day. The company announced this on February 8, 2024.

In total, in 2023, the company settled more than 1.4 million insured events, of which almost 1.3 million fall on contracts of individuals (FL), and 129 thousand - on legal entities (LL). So, on average, every minute VSK settled 3 insurance claims at once.

Insurance House VSK has implemented the technology of remote settlement of insurance cases under OSAGO. A year earlier, VSK launched the possibility of registering an accident using an electronic European protocol in a mobile application. And in 2020, VSK launched a technology for remote settlement of insurance claims on Casco. As of February 2024, more than 65% of insurance cases are regulated remotely.

In December 2023, VSK made the first payment through the SBP in the settlement of the insurance event under OSAGO. As of February 2024, the system is available to the company's customers in pilot mode in the Rostov Region and Krasnodar Territory. The VSK plans to scale the service in all regions of Russia, as well as launch payments on the SBP as part of an online settlement.

{{quote 'The service of remote settlement on OSAGO is already fully - from signing an application to settling an insurance event - integrated into the VSK Insurance mobile application. When filling out an application, most of the data automatically comes from a citizen's electronic profile, the signature is set using the State Key service, if the car is damaged, the cost of damage is estimated by artificial intelligence, and the money is paid in one click in less than 1 minute using the fast payment system (SBP). These technologies make insurance more convenient for customers and increase the attractiveness of digital services, "said Alexander Tarnovsky, General Director of the VSK Insurance House. }}

2022

Payment to customers 37.9 billion rubles

Insurance House VSK paid its clients a total of more than 37.9 billion rubles, on average - more than 103 million a day. The company announced this on February 10, 2023.

According to the preliminary results of 2022, the VSK Insurance House increased the volume of collected premiums in most key types of insurance. Thus, fees for property insurance of legal entities (IUL) increased by 22% to 7.3 billion rubles, for mortgage insurance - by 13% to 6.3 billion rubles.

In total, in 2022, the company settled more than 683 thousand insured events, of which more than 409 thousand fall on contracts of individuals (FL), and 274 thousand - on legal entities (LL). About 47% of requests from the company's clients fell on VHI, on OSAGO - 27%, and on Casco - 13%.

One of the largest payments to VSK in 2022 was compensation for more than 410 million rubles to a meat processing enterprise in the Kaliningrad region due to a fire. The company also paid 105 million rubles to the Stavropol poultry farm for the death of farm animals due to an infectious disease and more than 67 million rubles for damage to a medical aircraft in the Ivanovo region.

Over 15 years, the level of payments has grown 6.2 times: in 2007, the total compensation was 6.1 billion. Also in 2022, the Insurance House entered into an average of 1,440 protection contracts per minute.

Responsibility to customers and concern for their well-being is the basis for the development of the VSK Insurance House. We use current technologies such as data collection and analytics and artificial intelligence. In 2022, VSK was the first among insurance companies to integrate the OSAGO Assistant service from RSA into its own mobile application. As of February 2023, more than 60% of casco insurance claims are settled online. These and other services of the company help to get the service remotely, and also make it easier to settle insurance claims for VSK customers, - said Alexander Tarnovsky, General Director of the VSK Insurance House.

Payment of 105 million rubles. for the Agro-plus poultry farm

On August 16, 2022, the VSK Insurance House announced that it had paid 105 million rubles to the Stavropol poultry farm "" in Agro-plus connection with the turkey case. More. here

2021: License revocation from VSK-Mercy

In December 2021, the Central Bank of Russia revoked the insurance license from VSK-Mercy. The Bank of Russia reported that the insurance company refused the activities provided for by the licenses.

2020: Provision of special insurance conditions for members of the Russoft IT Association

On June 8, 2020, it became known that the VSK Insurance House began to cooperate with the RUSSOFT association, providing special insurance conditions for members of the association. Read more here.

2018: Net profit growth by 1.3 times to more than 8 billion rubles

The insurance group VSK summed up the results of 2018 according to international financial reporting standards (IFRS). Net profit for the reporting period increased 1.3 times and amounted to more than 8 billion rubles.

Compared to 2017, the Group's fees increased by 30.5% to RUB 96.3 billion. The largest contribution was made by life insurance (fees for investment and funded life insurance reached 22.3 billion rubles), auto insurance (fees exceeded 20 billion rubles), accident and disease insurance (fees exceeded 20 billion rubles).

The combined loss ratio excluding life insurance was 92.6%. Return on equity over 34%.

The group's assets, according to the consolidated statements, grew by more than 30% to 133 billion rubles, capital to 26.5 billion rubles.

The Group's financial statements were audited by PwC Audit Company, which noted full compliance with international standards.

2010

Investing over 200 million rubles in the development of the regional network

At the end of the year, VSK Insurance House confidently entered the top five insurance companies Russia in terms of insurance fees and once again confirmed its leading positions in the segments of bank risk insurance, leasing insurance and professional liability insurance of tour operators.

The company made the largest insurance payment in the history of the agricultural sector of Russia. More than 2 billion rubles. compensation received APH Miratorg after a fire at the production complex for the production of semi-finished products in Kaliningrad.

An accelerated procedure for payment (within 5 days) of insurance compensation to VSK customers under the procedure of direct settlement of OSAGO under the OSAGO for excellent! Program has been introduced throughout the branch network.

In the development of the regional network Insurance House VSK made investments in the amount of more than 200 million rubles, which made it possible to open more than 200 offices and points of sale of various levels during the year.

The company changed its name to VSK Insurance Open Joint Stock Company (abbreviated as VSK), in accordance with the current marketing strategy, and registered the All-Russian Insurance Company trademark.

Rebranding

As representatives of the VSK Insurance House shared with TAdviser, in May 2010 the company launched the rebranding process, deciding to abandon the decoding of the Military Insurance Company for the abbreviation VSK. So, on May 21, 2010, an application was submitted to Rospatent for the registration of the trademark "Insurance House VSK - Your Insurance Company." Then on August 9, 2010, an application was submitted for registration of another trademark - "VSK - All-Russian Insurance Company."

2008: Opening a central office in Moscow on the street. Ostrovnaya

Old logo before rebranding

Insurance House VSK, one of the leaders of the Russian insurance business, in February opened the doors of a new central office for customers and partners at the address: Moscow, st. Ostrovnaya, 4.

According to the rating of the Economic News Agency, Insurance House VSK is the most active and steadily developing insurance company in Russia.

Expert RA confirmed the unconditional leadership of the VSK Insurance House in the segment of professional liability insurance.

Insurance House VSK has implemented a system. Human Resources Management IBS The goal of the system implementation is to streamline personnel management processes, including those related to the selection and accounting of personnel, certification, training and development of employees.

VSK Insurance House, according to FSSN, rose from sixth to third place in the top 50 largest insurers in Russia in terms of contributions.

Insurance House VSK automates the system of processing requests from customers based on Microsoft Dynamics CRM 4.0. The implementation of the system is designed to increase the level of customer service through the use of innovative technologies and automation of operating procedures.

The Expert RA rating agency has confirmed the reliability rating of the VSK Insurance House at the A++ level "Extremely High Level of Reliability."

VSK became one of the first insurance companies to which the Federal Insurance Supervision Service awarded a license for the right to insurance under the international system of civil liability insurance for vehicle owners "Green Card."

In the framework of the project "Leasing in Russia 2008," carried out by the Expert RA Rating Agency, VSK Insurance House was recognized as a leader in leasing insurance and was awarded a diploma in the nomination "Leader in leasing insurance."

2007

President of the Russian Federation V.V. Putin, by his Order No. 52 of the RP of February 14, 2007, announced gratitude to the staff of the VSK Insurance House "For a great contribution to the development of insurance and social protection of military personnel."

VSK Insurance House opens eleven new branches in the Russian Federation, the largest of which are the company's branches in Norilsk, Naryan-Mar and Birobidzhan. Thus, today the regional network of the Insurance House VSK has more than 400 branches and branches.

Insurance House VSK became a member of the Association of Russian Automobile Dealers.

Insurance House VSK celebrated the 15th anniversary of the company.

Sergey Alekseevich Tsikalyuk was elected Chairman of the Board of Directors of Insurance House VSK. General Director of VSK, Chairman of the Management Board - Sergey Evgenievich Almazov.

The representative of the Insurance House of VSK joined the Management Board of the RSA.

VSK Insurance House received confirmation of the A++ rating "High level of reliability with positive prospects," assigned by the Expert RA rating agency.

Insurance House VSK improved its position in the ranking of the largest Russian companies "FINANCE-500," rising by 23 positions and taking 267 place in 2006.

Insurance House VSK became the founder of the National Union of Agricultural Insurers.

Insurance House VSK was named the leader of the project of the magazine "Bank Review" - "Leaders of Bank Insurance" in the nomination "Strategic Partnership Programs with Banks."

2006

Insurance House VSK reiterated the A++ rating "High level of reliability with positive prospects," assigned to the company five years ago by the Expert RA rating agency.

Insurance House VSK is among the leaders in all major types of insurance.

Insurance House VSK is once again recognized as the best in working with banks.

The head of the VSK Insurance House is among the most professional managers in Russia.

Insurance House VSK again improved its position in the Expert-400 rating, rising to the overall 112th place in the ranking of the largest Russian companies (against 121st in 2004 and 208th in 2003).

As part of the Leasing in Russia project, VSK Insurance House was awarded the Diploma "The most popular insurer in the field of leasing - 2006."

2005

The construction of a new head office of VSK in Moscow has begun.

The Prosecutor General's Office of the Russian Federation summed up the results of the competition to choose an organization to provide insurance services for the mandatory state personal insurance of its employees. The winner of the competition was recognized by VSK.

2004

Insurance House VSK won in the nomination "Comprehensive protection of the interests of banks and their clients" of the competition "Bank rating of insurance companies."

VSK is included in the list of insurers recommended for working with enterprises serving government contracts.

After obtaining a new version of the license, which combined all licensed types of insurance,

Insurance House VSK offers its clients 103 insurance products.

VSK Insurance House took 160th place in the FINANCE-500 rating.

In the Expert-400 rating, the VSK Insurance House took fourth place among Russian insurers. VSK Insurance House is included in the register of companies under the State Customs Committee of the Russian Federation.

2003

VSK was recognized as the winner of the competition for the right to insurance the life and health of military personnel of the Federal Security Service of the Russian Federation.

Insurance House VSK became one of the winners of the tender of the Central Bank of the Russian Federation for the right to insure its property interests.

VSK Insurance House was recognized as the winner of an open competition of the Ministry of the Russian Federation for taxes and fees on the choice of an organization for compulsory state personal insurance of tax officials.

On May 21, 2003, VSK Insurance House and the Housing Mortgage Lending Agency signed a cooperation agreement under which the company was accredited with the Agency.

On June 6, 2003, VSK Insurance House was one of the first to receive a license from the Insurance Supervision Department of the Ministry of Finance of the Russian Federation for the right to carry out compulsory civil liability insurance for vehicle owners.

VSK became the winner of an open competition of the Federal Security Service of the Russian Federation for the choice of an insurance company to provide services for compulsory state personal insurance of FSB employees.

2002

President of the Russian Federation V.V. Putin announced gratitude to the VSK team for their great contribution to the development of the insurance business (Order of the President of the Russian Federation No. 31-rp of 25.01.03).

VSK Insurance House took part in the insurance of a unique international project - launching a satellite to the moon using the Dnepr space rocket (RKN) (an analogue of the RS-20B intercontinental ballistic missile (ICBM)).

VSK has concluded cooperation agreements with the all-Russian public professional association "Russian College of Auditors" and with the Public Organization "Russian Society of Appraisers." In the VSK Insurance House, Sergei Bodrov's film crew and the equipment used to shoot the new film are insured. The total liability limit of the VSK Insurance House is over $2.3 million.

Insurance House VSK took part in the social partnership program within the framework of the All-Russian population census 2002. VSK Insurance House provided insurance protection against an accident to 423 thousand census takers throughout Russia.

2001

VSK entered the insurance market with a new trademark.

A new insurance strategy has been developed: from a product-oriented to a customer-oriented Company.

VSK was one of the first, insurance companies Russia which the Ministry of Finance of the Russian Federation allowed to carry out insurance against severe diseases.

The Expert RA rating agency has assigned VSK the highest national reliability rating A++: "A high level of reliability with positive prospects."

The weekly "Financial Russia" summed up the results of the study "Banking rating of insurance companies." VSK won first place in the nomination "Bank Property Insurance."

VSK has begun selling insurance services via the Internet.

According to the results of the competition of the weekly newspaper of writers "Literary Russia," VSK General Director Sergei Tsikalyuk was recognized as a philanthropist in 2001.

The authorized capital has been increased to 700 million rubles.

During the year, branches of the Company were opened in 3 more cities of the Russian Federation.

2000

Structural reorganization of the FRS has been completed. The parent Company becomes a methodological and financial center, and 88 branches become sales centers.

The Life Line Social Support Fund, created at the initiative of VSK, provides charitable assistance to the families of the dead and wounded in Dagestan and Chechnya in the amount of over 44 million rubles.

The authorized capital of VSK was increased 6 times and amounted to 180 million rubles.

VSK made insurance payments to the families of the deceased crew of the Kursk nuclear submarine. A total of 572 payments of insurance support and a one-time allowance to relatives of submariners were made.

The total amount of payments amounted to about 20 million rubles.

VSK is accredited to the Russian Agency for Conventional Weapons (RAV).

A branch of the Company was opened in 1 other city of the Russian Federation.

1999

For the first time, the volume of VSK insurance premium for voluntary types of insurance exceeded 50 percent of the Company's insurance portfolio.

As a result of the tender of the State Customs Committee of the Russian Federation, VSK is one of the companies that insure the liability of customs brokers, warehouses and carriers.

According to the rating of the Economic News Agency, VSK became one of the most active and stable developing companies in Russia.

By decree of the President of the Russian Federation, General Director of the VSK S. A. Tsikalyuk was awarded the Order of Merit to the Fatherland, IV degree, for his services to the state and his great personal contribution to solving social problems of military personnel.

During the year, branches of the Company were opened in 3 more cities of the Russian Federation.

1998

VSK is part of the General Manager of the Presidential Program "State Housing Certificates."

VSK was the first in Russia to receive a certificate of compliance with the international standard of ISO-9002 quality in the field of ship insurance and shipowner liability. Audit and certification of the quality system was carried out by auditors of Det Norske Veritas (Norway).

VSK receives the right to insure the leased premises of the non-residential fund of Moscow.

During the year, branches of the Company were opened in 3 more cities of the Russian Federation.

1997

An agreement was concluded with the State Customs Committee of the Russian Federation on compulsory state personal insurance of customs officers.

VSK is part of the Russian Nuclear Pool.

The Moscow government elected VSK to participate in the program of preferential insurance of municipal housing and entrusted its implementation in three administrative districts of Moscow.

Russian artist Vasily Nesterenko painted the painting "Insurance House," which became the hallmark of VSK. During the year, the Company opened branches in 4 other cities of the Russian Federation.

1996

Sberbank of the Russian Federation and VSK Group entered into a Master Cooperation Agreement.

For the first time in domestic practice, the National Olympic Committee trusts VSK to insure all 700 members of the Russian Olympic team that took part in the XXVI Olympic Games in Atlanta (USA).

The company entered into an agreement with the Ministry of Justice of Russia on compulsory state insurance of judges.

VSK was admitted to the Russian Union of Industrialists and Entrepreneurs.

VSK has begun implementing the Life Line funded insurance program.

During the year, branches of the Company were opened in 3 more cities of the Russian Federation.

Sergey Tsikalyuk, General Director of the VSK Group, was recognized as Person of the Year by the Russian Biographical Institute for Social Support of Military Personnel.

1995

On January 21, the VSK Management Board adopted the "VSK Branch Development Concept"

The central office moved to a new building. VSK has a new legal address: Moscow, st. Bolshaya Lubyanka, 11a

VSC visited by Lord Mayor of London John Colston and representatives of the English insurance business

On November 29, the head of the VSK S. A. Tsikalyuk spoke at a meeting of the Government Commission on Social Issues of Military Personnel. The government positively assessed the activities of VSK and the Supervisory Committee of VSK insurers and recommended that the State Duma of the Russian Federation take into account the Company's experience in preparing the federal law on insurance of military personnel

VSK participates in the formation of the Recovery Insurance Pool in the Chechen Republic, the Fire Pool, and the Association of Aviation and Space Insurers.

The number of VSK branches in Russia exceeded 70.

1994

On July 22, the Supervisory Committee of VSK Insurers began work.

VSK becomes a member of the All-Russian Union of Insurers (VSS).

A license was obtained from the Federal Service of Russia for Supervision of Insurance Activities (Rosstrakhnadzor) for mandatory state personal insurance of employees of the state tax service.

During the year, branches of the Company were opened in 3 more cities of the Russian Federation.

1993

On April 5, Decree of the Government of the Russian Federation No. 295 "On the Procedure for Compulsory State Insurance of Military Personnel" was signed..... VSK named among the performers of the state program

On October 6, the first marine risk insurance contract was concluded: the Marshal Tymoshenko BOD was insured for the period of towing to India

During the year, the Company opened branches in 54 cities of the Russian Federation. VSK entered the top ten leaders of the insurance market in Russia.

1992

February 11 is the day the VSK was founded. The company was established with an authorized capital of 5,000 rubles. The Moscow Registration Chamber issued certificate No. 008278.

On July 27, the first insurance contract was signed for servicemen of the Ministry of Defense of the Russian Federation who are part of the peacekeeping contingent in Transnistria.

On September 15, the first license No. 448 of the Ministry of Finance of the Russian Federation for the implementation of voluntary types of insurance was received.

On November 11, the first branch of the company was opened in (Rostov-on-Don).