Top 5 facts about insurance that insurance companies hide from clients 
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Insurance in 2020 in Russia is a popular and not new type of protection of property interests of both individuals and legal entities. Insurance companies today offer services, if not in all, then in the vast majority of countries and guarantee citizens the security of interests regarding the property they own, as well as the life and health of policyholders.
To obtain insurance on the most favorable terms for yourself, use the services of an independent insurance agent. In St. Petersburg, such an agent is the Inzuro Insurance Service , which is focused on the interests of the client and allows taking into account all the features of the insurance market.
In the Russian insurance market in 2020, there is quite active competition between companies. In pursuit of profit and increasing the volume of client bases, insurers are developing new insurance products, reworking foreign analogues, trying to include the optimal number of risks at a price acceptable to the buyer. There can only be two benefits for the policyholder here - an acceptable cost of the product or an impressive list of risks and additional services included in a single package. Based on this conclusion, the 5 most profitable offers that insurance companies hide are highlighted.
1. For women, the cost of insurance is lower.
Not all consumers of services are aware of this nuance that exists in the market, which is why they often overpay when they can save money. Drawing up an insurance contract for a representative of the fair sex will allow the policyholder to receive a more favorable rate for him.
2. Mortgage life insurance.
When signing a mortgage agreement, the borrower is necessarily offered life insurance, which provides an additional guarantee to the bank of the return of funds. However, one should not assume that such an offer is beneficial only to the bank; the client has a chance to lower the mortgage rate, which in the long run saves money, since in most cases the payment of insurance premiums and loan fees will be less than repayment of the loan at the rate established on the market.
3. Knowledge vs. inflated prices.
Using knowledge of the bonus-malus coefficients operating in car insurance will allow the policyholder to receive a favorable offer. The cost of compulsory motor liability insurance decreases with increasing driving experience, driver age, limiting the number of persons allowed to drive a vehicle, and depends on the engine power and the presence of offenses registered with the driver.
4. Longer means cheaper!
The conclusion of an insurance contract for most types is carried out for 1 calendar year, but this does not mean that a year is the limit. Signing insurance immediately for a period of 3 years guarantees savings for the policyholder, since the insurer in this case offers reduced rates. This is clearly visible when insuring for 1 year and for six months: shorter term - higher rate.
5. Application of the franchise in the contract.
The deductible is the portion of the insured’s loss that is not paid by the insurer. Concluding an insurance contract that specifies the presence of a franchise allows you to save on the amount of insurance premiums. However, it is important to remember that if an insured event occurs, the company will pay less under a contract with a deductible than under a contract without it.
Insurance products are packages of services that an insurance company is ready to offer; those risks that the insurer will cover in the event of an insured event. The list of current types of insurance is posted on the official websites of insurers or directly in their offices. As a rule, it is not profitable for companies to hide any services provided from clients, but sometimes they are silent about options that provide a chance to save on insurance. Therefore, knowledge and literacy in the matter of insurance is the key to concluding a profitable deal.