How to become a representative of the OSAGO insurance company

How to become an insurance agent under MTPL?

Purchasing an MTPL policy is mandatory for any driver, which means that the demand for insurance simply cannot fall. Therefore, the profession of an agent in the field of auto insurance will always be in demand. Are you interested in becoming an insurance company agent? Let's first figure out how to become an insurance agent under MTPL - a representative of several companies who works for himself and helps car owners select and purchase a policy on the most favorable terms. We will talk about the responsibilities of agents, the qualities and skills they need, and also step by step what to do for a successful start in this profession. In the second part of the article, we will talk about our service, which will help both beginners and experienced workers build effective cooperation with many online insurance companies.

Are an insurance broker and an insurance company agent the same thing?

Most often, these two names are used as synonyms. But sometimes the word “agent” means a specialist who works with only one company. The “broker,” in turn, can offer the car owner a larger assortment, since he cooperates with several insurance companies at once (as a kind of distributor).

A representative of a particular company is not much different from a hired employee, even if he works not in an office, but on the Internet. Therefore, we will hardly touch on the work of an insurance agent of one company, but will tell you exactly how to become an E-OSAGO auto insurance agent.

And one more nuance. Sometimes specialists who have entered into an agreement with several companies are called a Single MTPL Agent. This is incorrect, since this name is used to refer not to a person, but to a system that allows an insurance company to sell its client compulsory motor liability insurance to another organization.

Features of joining the company:

Rosgosstrakh

is the oldest company in Russia. People with extensive experience in any field of activity and a large list of acquaintances have an advantage when hiring. You can work remotely throughout the country.

Ingosstrakh

– just fill out a form on the website and go through an interview. Next, you will receive training from the company. The course lasts 3-5 days. After this, a curator will be assigned to you. There is no sales plan for newcomers.

Alpha insurance

– It’s very easy to get hired. The training lasts several working days. The company guarantees timely payment of commissions. The site is convenient and intuitive.

RESO-guarantee

– After the interview you need to undergo psychological testing. Then the training is 14 days and to start working you are required to take out life insurance for 1,500 rubles. 3 month internship with a mentor.

What is the essence of the work of an insurance agent?

An insurance agent is an independent consultant, an intermediary between the insurance company and its client. He represents the interests of the car owner, helping him in choosing a company under compulsory motor liability insurance. And from the insurance side he is entitled to a commission for each concluded contract.

Search for clients (on your own, via the Internet on specialized services).
Initial consultation with the client – clarifying his needs and expectations.
Selection of a suitable offer from one of the insurance companies. Calculating the cost of the policy (for this you can use the calculator on the insurance website), explaining to the client the terms of the contract.
Sale (registration) of a policy.

If an insured event occurs, some agents continue to accompany the client in receiving payments. But for most, such work is outside their area of responsibility: the main task is to sell the policy, and then the car owner contacts the company whose insurance he purchased.

Pros of working as an insurance agent

There are two main advantages of this profession:

Firstly, it is complete independence. You can make your own schedule and not be tied to your place of work (office): many agents today sell MTPL policies online, and therefore can easily work from home.

The second advantage is the absence of a “ceiling” on income level. The percentage from the company for policies issued by clients is the price for the agent, and in fact his income is not limited in any way. The average market commission for a sold policy ranges from 10 to 25% of its price.

Can I become an agent? Required qualities and skills

If the job responsibilities are clear and close to you, and the benefits of the profession seem like the ultimate dream, the last question remains: is this profession right for you? What personal qualities should an MTPL insurance agent have?

An insurance agent working with one company must first of all be a good salesperson:

Sociability is important : you need to find a common language with any client, negotiate competently and convincingly.
Stress resistance is important : learn to react correctly to negativity and provide suitable arguments when objections arise.
Knowledge of the legislative framework . A professional must thoroughly understand the laws relating to auto insurance - this will be necessary in order to conduct a dialogue with the client competently and thoroughly. For example, some drivers, in principle, do not consider it necessary to purchase an MTPL policy - after all, the fine for its absence does not exceed 800 rubles. In such a situation, you must explain to the car owner that the consequences of driving without insurance can be much more serious.
Attentiveness . An auto insurance agent must be prepared to work with paperwork: although the contract is always filled out according to the sample, this task requires maximum composure and accuracy.

For an agent who works for himself and receives compensation from several insurance companies, all the same qualities that we listed above are needed. Responsibility and initiative are also necessary: after all, there is no boss above you who will demand the implementation of the plan. You work for yourself and must understand that income depends only on you.

As for special education, there is no need for it - insurance companies do not put forward strict requirements for their employees, and a partner of an insurance company does not have to report to it at all about his knowledge. The result is important, that is, the number of policies sold. However, if you want to enter the profession fully armed, you can take online courses; they are not difficult to find: many insurance companies provide training (including free training). Just enter “online compulsory motor vehicle liability insurance agent courses” into a search engine. Believe me, you will immediately see advertisements with phrases like “Become an agent in 10 hours!” – choose the course that you like.

How to become an auto insurance agent

Today, it is insurance agents who sell most MTPL policies to car owners. The reason for this situation lies in the compulsory nature of car insurance, which turns tens of millions of Russians into clients of insurance companies. At the same time, in most cases, using the services of an insurance agent is much more convenient than spending time in queues at insurers’ offices.

To work as an auto insurance agent, you must have a thorough understanding of the subject and know the features of OSAGO and CASCO insurance. Modern IT capabilities make it possible to obtain the necessary knowledge via the Internet by completing several training programs available online.

To become a participant in the training program, you must first go through the registration procedure by submitting an online application on the website https://strahovoiagent.ru. Thus, insurance agents are not required to have special education or significant financial expenses for training. The main difficulty is the need to find clients.

The optimal option is the location of MTPL sales points in close proximity to the traffic police departments where vehicle registration is carried out, and car insurance is a mandatory condition for registering any car.

Some agents prefer to work via the Internet, providing services using special programs developed by leading domestic market participants. These include Alfastrakhovanie, Ingosstrakh and others.

Commissions

The programs used provide auto insurance agents with attractive commissions, allowing them to earn money from each policy issued.

How to become a home auto insurance agent?

The MTPL agreement can be concluded not only at the official representative office of the insurer, but also by contacting its representative. Let's consider the requirements that allow you to become an insurance agent in the auto insurance system, and the criteria for selecting candidates who have expressed a desire to organize their own business in this area.

Features of the professions of broker and insurance agent

First, a little about the difference in terminology:

agent – private entrepreneur (individual); looks for clients interested in the insurance product and concludes contracts.
broker - an individual or legal entity acting as an intermediary between the buyer and the seller of compulsory motor liability insurance, who has a license.

Taking these circumstances into account, it is necessary to consider their functions and requirements for purpose.

Responsibilities of an MTPL insurance agent

In all insurance companies, including the MTPL sector, the functions of agents are similar. The insurance company representative must:

actively look for clients, convincing them of the advisability of taking out a policy, since purchasing a car insurance policy is a mandatory legal requirement for every driver;
enter into MTPL agreements;
act as an intermediary between the insurance company and the policyholder;
fulfill the policy clauses and accept insurance premiums;
analyze the characteristics of the client base depending on regional conditions;
prove the profitability of the deal, focusing on the advantages of available insurance programs;
travel to your home to conclude contracts or make transactions online using electronic vehicle registration certificates;
when working with a client, take into account the peculiarities of his reaction, perception, and ability to remember;
achieve mutual understanding in order to interest the client in the subsequent conclusion of a compulsory motor liability insurance agreement;
draw up paperwork when selling a car title;
correctly calculate insurance premiums, conclude policies and be responsible for their safety;
inform the consumer about the features of offers and conditions for the cost of insurance, depending on the selected product;
in the event of an insured event, determine the degree of risk, taking into account the circumstances of the incident;
assess the risk potential of insurance payment;
consider customer complaints when controversial situations arise;
monitor violations of compliance with conditions, taking measures to eliminate them;
analyze the degree of demand in the region for MTPL insurance services, taking into account domestic and foreign experience in insurance activities;
interact with representatives of other organizations working in the field of compulsory motor liability insurance.

Note! The MTPL agreement is concluded electronically, using a special program. Level of computer skills and knowledge of the specifics of working on the Internet are especially important. An accidental error when entering data will be the reason for concluding a new contract or the client going to court.

To become an insurance agent, a future employee must know:

state documentation regulating insurance issues;
instructions and provisions on the conditions of insurance activities;
features of various insurance programs;
legal basis of the insurance business in the field of compulsory motor liability insurance, taking into account differences in regions;
current insurance conditions;
methods for calculating insurance risks with assessment of the amount of compensation;
principles of operation of a market economy.

To successfully work with clients, an insurer's representative requires knowledge in the field of psychology.

Insurance agent commission

The agent's commission varies depending on the insurance platform chosen. The most common ones are:

Inguru – simultaneously works with six insurance companies. The amount of remuneration ranges from six and a half to twenty percent, depending on the UK and the region;
Banki.ru - the advantage of working in this platform for an agent is high commission payments made immediately after concluding an agreement, and the ability to simultaneously work with five insurance companies. The range of remuneration limits also depends on the insurer and region, ranging from eight to twenty-nine percent;
Pampadu.ru – the platform involves working with a maximum number of insurers (seventeen). The commission, taking into account the company and the region, ranges from four to twenty-four percent;
Inssmart.ru - works with nine insurance companies that promptly provide insurance. It takes up to three minutes to issue a policy. Recognized as the most reliable and comfortable. Insurance premium commission – from three to twenty-four percent;
NIB – specializes in compulsory motor liability insurance; other areas are under development. Agents' commission percentage ranges from four to fifteen percent.

Salary directly depends on the deals concluded. The average income for beginners is about twenty thousand Russian rubles. An experienced worker earns up to seventy thousand. The average amount is within three hundred thousand Russian rubles.

Education and experience

An applicant for the position of an insurance agent is required to have:

secondary, higher or incomplete higher education, full-time students are accepted;
experience communicating with people;
high communication skills;
resistance to stressful situations.

Each applicant who wishes to become a representative of the MTPL branch must provide a resume with a detailed description of personal qualities, education and work experience.

Newcomers in the field of compulsory motor liability insurance are trained. The courses last three days, without payment, remotely.

Other skills and personal qualities

A future insurance agent must have the following skills and qualities:

easy to learn;
receptivity to assimilation of information;
the ability to find a common language in conditions of cold contact;
motivation;
PC knowledge and ability to work online in computer programs;
well-delivered speech;
presentable appearance
ability to avoid stressful situations.

A special skill desirable for an insurance agent is the ability to work with a general client base, forming a personal one.

How to get a job as an auto insurance agent in large companies

At the beginning of work, the insurance agent should study the conditions offered by large companies, select the most suitable one, and contact the representative office of the insurance company.

Basic conditions for employment

To become an employee of an insurance company, when applying for a job, you fill out a questionnaire with a detailed description of personal qualities and work skills. An interview is conducted with the security service, photocopies of personal documents and resumes are provided. If you have experience, references from previous places of work will not hurt.

Based on the data provided and the results of the interview, the insurance company evaluates the candidate.

If a positive decision is made, an invitation is sent to the applicant, a bilateral agreement is concluded, and the agent begins work.

How to become a broker of Ingosstrakh under OSAGO

To begin brokerage activities in an insurance organization, according to the legislation of the Russian Federation, you must obtain a license. This document is issued to adults who meet the above conditions. A firm's broker can be an individual or organization engaged in intermediary activities between the firm and the insurance agent.

How to become an agent of an insurance company for compulsory motor liability insurance in Rosgosstrakh

The work of an insurance agent is available to any person who has reached the age of majority, regardless of place of residence, special education, gender and age. He must submit an application, undergo an interview and conclude an agreement.

RESO guarantee

To become an insurance representative of the RESO Garantiya company, you must:

dial the company number;
agree on a date for psychological testing and an individual interview;
take tests and an interview on the appointed day;
insure against accidents under the Personal Protection program;
complete a training course for a period of fourteen days, with seminars and trainings on insurance issues;
After training, enter into an assignment agreement with partners of the regional company REKO-Garantiya.

Any citizen of the Russian Federation who has reached the age of eighteen can become an applicant.

Alpha insurance

To become an Alfa Insurance agent, you need to fill out a form on the company’s website indicating:

FULL NAME;
Email;
mobile phone numbers;
region of residence;
communication methods.

The applicant is interviewed. If you have work experience, there will be no problems with enrollment. Newcomers are trained and only after that they are hired.

Single agent or broker

A single agent or broker is a system that unites various insurance companies that have signed an agreement between several parties and sell MTPL policies to third parties.

An OSAGO insurance agent is not just an agitator and a policy seller. His main responsibility is to improve the insurance culture of the population, explaining the importance of civil liability insurance. Thanks to their active work, purchasing a car insurance policy has become much easier.

Reproduction of materials is permitted only with indication of the original source.

How to become an MTPL insurance agent: requirements for an applicant

So, you've decided to try your hand at the insurance industry. The insurance industry in Russia is now developing dynamically: companies are expanding their borders, opening additional branches, and introducing new products. The Law on Compulsory Motor Liability Insurance (hereinafter referred to as OSAGO) had a significant impact on the growth of the industry. With its adoption, the circle of potential clients of insurance companies has increased, as has the need for new agents.

How to become an MTPL insurance agent?

If you want to join a company, you need to track opportunities in the “Vacancies” section on company websites or on large job search portals.

Future agents have certain requirements that must be met. Let's look at them below.

Basic conditions for employment

Citizenship of the Russian Federation, reaching the age of 18 years.
Availability of documents necessary for employment - passport, INN and SNILS.
Absence of unexpunged or outstanding convictions for articles related to economic crimes.

Education and experience

Both secondary and higher (or incomplete higher) education. Some companies are not ready to see full-time students among their agents (for example, Renaissance Insurance).
Experience working with people is desirable.
Experience in active sales is desirable.

Other skills and personal qualities

Desire to learn (there will be a lot of information).
Desire to work with people.
High communication skills.
Preparedness for stressful and conflict situations.

When applying, remember that all companies provide training for newcomers. Usually it lasts at least 3 working days in a row. If you live in the region, distance learning will be provided for you and other applicants. So, you fully meet the requirements and still don’t know how to become an MTPL insurance agent. What to do? Read on.

Responsibilities of an MTPL insurance agent

Active search for clients (developing our own client base).
Consulting clients, assistance in choosing insurance programs.
Conducting meetings, negotiations (visits to clients).
Conclusion of insurance contracts, paperwork.

Also keep in mind that today all MTPL policies are issued in special programs and printed on a printer. Therefore, it is advisable to confidently use the computer and the Internet. And remember that you need to enter data into the computer very carefully - if you make a mistake by even one letter or number, the MTPL policy will have to be redone.

First steps

So, when asked who you want to work as, you answer: “I want to become an MTPL insurance agent!” Well, when there is a goal, it’s great! But, as you know, to achieve the desired, desire alone is not enough. The applicant must complete the following steps. First of all, you need to conclude an agreement with the insurance company. Such a document will allow you to carry out activities in the sale of insurance policies. Its conclusion is preceded by several stages:

Interview and/or testing.
Verification of your identity by the security service (takes up to 30 days).
Training and internship.

After submitting an application or filling out a questionnaire, the company manager will invite you to an introductory interview, where he will tell you in detail how to become an MTPL insurance agent. They will also explain the working conditions and ask about your experience and skills. Next, the company's security service will check you: are you who you say you are, have you been convicted, and so on. This check is due to the fact that the agent has to make cash payments every day, and most often in cash. The company wants to protect itself from fraud and theft. To check, you will need to make copies of your main documents - passport, TIN and SNILS.

How to become an MTPL insurance agent faster?

Almost all companies provide internships under the guidance of a mentor lasting up to three months. Freelance agents typically work flexible hours, but will be required to attend the office regularly to provide reporting.

Are you still wondering how to become an MTPL insurance agent and which company to choose? The steps described above on the path to becoming an insurance agent are basic for all insurance companies. Most often, applicants for MTPL insurance agents choose for cooperation such companies as Rosgosstrakh, Ingosstrakh, Reso-garantiya and Alfa-insurance. These companies have a high reliability rating and a good insurance claims record. Let's find out how agents are selected in each of them, study their conditions and requirements for candidates.

How to become an MTPL insurance agent (“ROSGOSSTRAKH”)?

Fill out a simple form on the company's website.
Visit an office convenient for you and fill out the form on the spot.

Then everything follows the standard scenario: interview - testing - training. The Rosgosstrakh company has a Corporate University. Training takes place continuously on weekdays. Existing freelance insurance agents receive insurance policy forms for work and go to work “in the fields.” Full-time employees are in the office and work with clients who come on their own initiative. At Rosgosstrakh, MTPL insurance is provided without reference to the region in which a specific branch is located. That is, a Muscovite will have no problem buying an MTPL policy in Kazan, and vice versa. Also, the advantages include the following: the company has its own technical inspection forms, there is no need to send the client with an expired diagnostic card to the inspection point.

How to become an MTPL insurance agent: Ingosstrakh

Ingosstrakh is one of the Top insurance companies in Russia. Branches are widely represented throughout the country. Declaring your desire to become an agent is simple:

Residents of large cities fill out a form on the website and wait for feedback.
Residents of the regions find their city on the company’s website in the “Offices” section and contact a representative independently.

The company's website states that the training lasts 5 days, but it usually takes 3 days. On the first day - general information and auto insurance, on the second - property insurance products, on the third - life and health insurance. The company will provide you with the necessary leaflets, brochures, memos, and so on. Ingosstrakh provides supervision for beginners. The company doesn't usually set a plan for new agents. But if there is a complete lack of results within several months, the contract with you may be terminated.

The Ingosstrakh agent portal for issuing policies has an intuitive interface and is extremely easy to use.

"RESO-guarantee"

How can one become an MTPL insurance agent in this company? "RESO" is considered one of the most reliable insurance companies. The line of insurance products is standard: from compulsory motor liability insurance to voluntary medical insurance policies. In this company, in addition to the interview, psychological testing is provided for candidates. You can sign up for an interview in the following ways:

Fill out the form on the company’s website and send it to the specified email address.
Call and schedule an interview.

If you successfully pass the test, you will be invited to attend training at the company's Agent School. A prerequisite for enrollment as a student is to purchase a life and health insurance policy in the amount of 1,500 rubles. The training lasts 2 weeks and takes place continuously on weekdays. There are morning and evening groups, each lesson lasts 4 hours. Students are provided with teaching aids, and distance learning is also provided.

After completing the training and passing the certification, one of the company’s branches (usually the one that is convenient for you to visit) will enter into an agreement with you. Next, you will undergo an internship at the selected branch for 3 months under the guidance of an experienced mentor.

OSAGO insurance agents of the RESO company work in a special program called Citrix. This program is designed for issuing all auto insurance products: OSAGO, CASCO, DSAGO, etc. Mastering it will take time and practice; the program interface is quite complex.

"Alpha Insurance"

The training lasts several working days. After learning the rules of insurance, studying the rates and products, you will pass the certification. If the result is successful, the company will enter into an agreement with you. Alfa Insurance guarantees its agents timely payment of commission and participation in motivational programs.

The portal for issuing policies is easy to study, in addition, all your work will be presented in graphs and figures.

Single agent or broker

How to become a single MTPL insurance agent? As a rule, future agents turn to the largest and most trusted insurance companies to conclude a contract. Many people enter into contracts with several companies at once. They understand that this way they will be able to offer the client a wide selection of products and tariffs, but also learn more about them - in each company separately. Until recently, working as an agent for several companies was prohibited. Now everything has changed, and the agency agreement no longer includes such a clause.

Often, agents who work with two or more insurers are mistakenly called a “single agent” or “broker.” This is fundamentally wrong. A “single agent” is not a person, but a system for selling MTPL policies, according to the rules of which the office of one insurance company offers the client to issue a policy for him from another organization. For example, you came to Rosgosstrakh and received a VSK policy. In this case, the distribution is carried out based on the vehicle passport number.

A broker, in turn, is an individual or legal entity that has the appropriate license and is registered with Rosstrakhnadzor. The broker, carrying out insurance activities, earns only part of the commission from the sale of the product. Thus, an agent who has an agreement with several companies at once cannot call himself either a single agent or a broker, although the latter is often used for ease of understanding.

Working in a brokerage agency

Brokerage agencies usually work with more than a dozen insurance companies. They take full responsibility for concluding contracts with companies, training their employees and document reporting. Such an agency will conclude an employment contract with you and issue a power of attorney for the right to conclude insurance contracts on its behalf.

Your income will be generated from interest on the sale of additional services, for example, an agreement between a client and an agency. And the commission from the sale of policies for other types of insurance - life or property - will have to be shared with management. Another feature of the job will be the need for constant presence at the workplace. Most often, employees of such agencies work on a shift schedule. Now it’s clear how to become an agent of an insurance company under MTPL? Go for it!

Working as an insurance agent

Plan your career with the undisputed leader of the Russian insurance market

Insurance is one of the most promising and fastest growing sectors of Russian business today. According to research by various rating agencies and publications, the growth rate of the Russian insurance market ranges from 30% to 70% per year. Due to the rapid development dynamics of the insurance market in general and our company in particular, specialists at various levels have an excellent opportunity to plan and develop their careers. Our company is the flagship of the insurance business, the largest insurer in Russia, investing large amounts of money and time in the development of its own employees.

We train our employees

The company has created and fully operates a Corporate University, which trains middle and senior managers who have the most modern and unique knowledge and experience in the field of insurance, management, economics, which form the basis of the company’s personnel reserve; there are also a Business School, an Insurance Agent School, and System distance learning, which are designed to increase the level of professional knowledge and skills of company personnel.

The history of the company begins in 1921

If you look into history, insurance activity in Russia began during the time of Catherine II. In 1781, the Empress issued the Charter of the Merchant Shipping Company, which included a regulation on marine insurance. The Manifesto of June 28, 1786 established the State Loan Bank, the insurance expedition of which was ordered to insure stone houses in all cities that were pledged to the said bank.

On October 6, 1921, the Council of People's Commissars of the RSFSR adopted a decree on state property insurance . From this day begins the history of the Russian State Insurance Organization and insurance in modern Russia.

Becoming an agent is easy

It is difficult to imagine the activities of Rosgosstrakh without our 35,000-strong army of agents. This profession is available to absolutely anyone, regardless of education, place of residence, gender or age. In the ranks of our agents there are retired military personnel, pensioners, and students - that is, all those who want to lead an active lifestyle, work on a schedule that suits them and earn as much as they want. This profession is one of the most promising in today's Russia, because insurance is the most dynamically developing area of business in our country.

An insurance agent is not just a seller of a service; the agent’s mission is to bring insurance culture to the population of Russia. The insurance products offered by an agent give a person a feeling of security and confidence in their material well-being.

What requirements do we impose on applicants for existing positions?

desire to work and earn money;
desire to work with people;
desire to learn;
interest in insurance as a type of activity.

Education and work experience:

education can be either higher or secondary;
Candidates with experience working with people are preferred - teachers, teachers, doctors, salespeople, waiters;
students and graduates who are active and seeking to gain work experience;
insurance agents from other companies;
retired military personnel;
sellers with network sales experience;
in rural areas, taking into account the specifics, a respected person in the village - agronomist, accountant, veterinarian, etc.

Communication abilities and skills:

ability to establish and develop contact;
the ability to listen to your interlocutor;
resourcefulness in communication;
ability to resolve conflict situations;
ability to perform simple arithmetic calculations.

What functional responsibilities are provided for this position?

The main responsibility of the agent is to advise the client on the Company's insurance products, helping the consumer choose a product that meets the current or future needs of him and his loved ones.

What financial compensation can a candidate for an agent position expect?

An agent’s earnings depend only on himself, on how he can organize his working time, whether he will have a balanced client portfolio, and how he will build his relationships with clients, both existing and potential. A successful agent, for example in Moscow, can earn from 50,000 to 80,000 thousand rubles per month.

In the regions of Russia, an agent’s income fluctuates greatly, because... The area in which the agent operates has a great influence. His income is strongly tied to the well-being of the people among whom he lives and works. On average in Russia, an agent’s earnings range from 10,000 to 30,000 rubles.