Insurance agents under compulsory motor liability insurance: how to become one, how much do they earn, and also how to conclude an agreement with a company and open a branch under the “automobile insurance”?

Auto insurance agents sell the lion's share of MTPL and comprehensive insurance policies from the total volume. The demand for specialists is explained by the fact that all drivers without exception are required to have MTPL insurance. At the same time, drivers have long noticed that it is much more convenient to entrust the issuance of a policy to their auto insurance agent, instead of standing in line at insurance company offices on their own. To become an auto insurance agent, you need to have sufficient knowledge in the field of MTPL and CASCO insurance products. Today, there are special online programs that allow you to register in your personal account, undergo training and start selling car insurance.

You can enroll in the most popular auto insurance agent program by submitting your application through the online form:

GET ACCESS TO PROGRAMS

So, we found out that becoming an auto insurance agent does not require financial or any other costs. It's much more difficult to find clients. The majority of auto insurance agents open sales points next to the traffic police departments where cars are registered.

There are also those that work online. In both cases, for successful business development, an auto insurance program will be an excellent solution, allowing you to calculate insurance at once in several leading insurance companies, such as Alfastrakhovanie, VSK, Ingosstrakh, MAKS and others in more than 70 regions of Russia.

My story, or how I got into insurance

At the age of 17 I finish school and go to college . I study there for a year and understand that this is not for me, neither this study, nor the prospect of working on the railway in the footsteps of my father. I decide to withdraw my documents from the university. Of course, the parents are shocked, especially the father, since everything did not go “according to plan,” their traditional parental plan. They tell me that since I wanted to be an adult, then go to work!

Without thinking twice, I go and get a job as a construction worker . After working for about 4 months and being tired “like a dog,” I decided to leave there. I am already 18 years old, I passed the driving test and received a license to drive a vehicle. I'm going to work as a courier for sushi delivery. After working for almost 3 months, I managed to save up for a Lada 7th model, and became its “happy” owner for 45 thousand rubles. And this is where the fun begins.

“Having quickly figured out and understood how this (insurance) business works, I decided that I could do the same thing myself.”

Agent - beginning

One of my mother’s friends, seeing that I bought a car and am mobile, invites me to work in his insurance office at the traffic police (GAI). To be honest, I didn’t expect anything interesting from working as an insurer , but I decided to agree because I had nothing to lose, and a new opportunity was a step forward. In a week, I completely learned all the basics of compulsory motor third-party liability insurance (OSAGO) and already began to go out on shifts alone. And a month later I was the best salesman in my office in terms of revenue and number of policies sold.

Having quickly figured it out and understood how this business works, I decided that I could do the same myself.

Algorithm for opening an insurance agency

Experienced insurers eventually decide to move from simple consulting and intermediary activities to opening their own agency specializing in auto insurance.

Establishing an insurance agency, the main activities of which will be advising individuals and legal entities regarding the best option for car insurance for a certain financial reward, is a little more complicated, but this activity does not require significant costs. You can start establishing such an agency by registering as an individual entrepreneur.

The advantage of this type of business involves a minimum of start-up investments and, accordingly, risks.

Opening an agency involves the following steps:

• obtaining the status of an individual entrepreneur, for which the candidate is sent to the tax service, providing all the documents required by its specialists;
• selection of companies suitable for further cooperation. After this, a request is sent to the selected organizations regarding the conclusion of an agreement;
• searching for premises to house the agency, purchasing furniture, computer and office equipment, concluding contracts with public utilities;
• hiring the required number of employees, if necessary, you will have to start training staff;
• organizing advertising for a new agency; for greater efficiency, it is advisable to turn to marketing professionals for this purpose, as well as engage in online promotion of the company’s advertising.

The profit that the agency, and therefore its founder, will receive depends primarily on how effective the work of the specialists will be, since the company’s earnings, in fact, will be the interest rate on all insurance policies issued by the agency.

On video: Car insurance as a business

An insurance agent is a startup

Decision is made. And I left. I realized that I could start on my own. From scratch.

I had about 50 thousand rubles in my pocket and a wealth of knowledge on how to sell insurance products. I'm starting to look for an insurance company that would be interesting to work with. And the first offer for me came from RESO-Garantiya in Noginsk. After meeting the management, no more than two weeks passed before I had an agency agreement. After talking with existing agents, I realized that they are collecting a database from scratch - through friends, acquaintances, in short, using phone contacts. This didn't suit me. I decide to open an office.

Within a week I find an office in a car complex in the microdistrict. Zarya for 10 tr. per month. I buy a table, a chair and a printer, take an old laptop and move in. In the first month I sold 2 OSAGOs, but I went out to each client of the auto complex to get acquainted. Since the second month I have already sold about 10 contracts, and people began to recognize me. After 4 months I already had a small client portfolio, but it was there. The office was working well.

“My insurance office has been running successfully for two years and has allowed me to further develop myself as an entrepreneur.”

How to become an auto insurance broker?

You can start car insurance without any start-up capital or your own investments. Many entrepreneurs first work as insurance brokers, collaborating with specialized companies, helping clients choose the right insurance product for a commission. The difference between a broker and an agent is that the first specialist does not represent the interests of either party, he simply performs the functions assigned to him by the insurer or policyholder, receiving a certain monetary reward for this.

On video: Insurance broker

The main services provided by insurance brokers are as follows:

• providing advice on choosing an insurance company;
• advisory assistance in drawing up contracts;
• assistance in choosing the most suitable and profitable insurance product.

If the insurance broker's client requires changes to the provisions of the contract or other accompanying services, such activities will also be the responsibility of the insurance specialist.

To start a brokerage business in the auto insurance industry, you will need the following steps:

• decide on companies suitable for cooperation;
• prepare the necessary constituent documents;
• offer your services to specialized companies, choosing suitable products for further work;
• sign the agent agreement.

In order to engage in this type of activity, you only need to provide identification documents, without obtaining the status of a private entrepreneur. True, for hassle-free reporting to the tax company, a desirable condition would still be to obtain the status of an individual entrepreneur.

Among the important features that a broker needs to pay attention to is the need for mandatory licensing of this activity.

There are several important advantages that distinguish working as a broker without establishing a full-fledged company. First of all, you will not need to rent an office or purchase all the necessary equipment and office equipment. In addition, there will be no problem of hiring employees and paying them wages. True, by opening a successful agency offering auto insurance services, you can count on big profits and the opportunity to expand the company.

An insurance agent is an entrepreneur

After six months of working in the microdistrict. Zarya knew me, and I was already earning good money, but the owner decides to raise the rent. We argue and I leave. By the way, I had a capital of about 100 thousand rubles. and a mini briefcase. I understand that we need to take the business to a slightly different level and am already renting an office in the city of Zheleznodorozhny in a new area. I move furniture and make a sign on the facade, call old clients and start everything from scratch.

At first there were few clients, because it was important for people:

• trust in the brand,
• recognition,
• trust in the person you work with,
• office promotion.

“The client returns not to the place where he was sold insurance, but to the person who worked with him.”

But every month I saw a steady increase and new faces of clients, and I realized that I was right .

My insurance office has been operating successfully for two years now and has allowed me to further develop myself as an entrepreneur.

Do I need to pay taxes?

An insurance agent is an individual or legal entity permanently residing in Russia. For this reason, they are subject to the general tax rules that are relevant at the moment.

Individuals are required to annually submit an income statement to the tax authority and independently calculate and pay taxes. According to Chapter 26.2 of the Tax Code of the Russian Federation, workers in this field registered as individual entrepreneurs have the right to apply a simplified taxation scheme and calculate mandatory contributions to the treasury on its basis.

What are the requirements for future agents?

You don’t need to have any specific skills to become a specialist. Even people without experience in the insurance industry can become an insurance agent. There are several criteria that will allow you to become an effective agent:

• experience working with people;
• desire to work with people;
• experience in active sales;
• self-discipline;
• responsibility;
• attentiveness;
• accuracy;
• Confident PC skills;
• desire to learn;
• stress resistance;
• desire to develop in insurance;
• focus on results.

Rich experience in communicating with people allows you to quickly find contact with clients, therefore, for example, he gives special preference to teachers, salespeople, waiters, networkers, and former military personnel. Important factors are responsibility and self-discipline - to become an effective specialist, you need to be able to independently organize your time.

Also, to become a successful auto insurance agent, it is important to be confident with a computer; this will be useful when applying for policies through insurance programs. In addition, it is now possible to issue some policies via the Internet. At the same time, there is no need to go to meetings with clients and to the insurance company to get forms, which saves a lot of time.

We invite you to read: Is it possible not to appear at a court hearing in an administrative case?

Features of opening an insurance company

Establishing an insurance company will be the most costly and time-consuming of the available auto insurance options. Since such activities are strictly regulated by special laws, first of all, the future owner of such an enterprise needs to study the existing legislative framework.

The first indispensable rule is the establishment of a legal entity. To do this, a new enterprise must be registered in the manner prescribed by law with the tax service.

The next mandatory step is obtaining the appropriate license, which is handled by the insurance market department. To obtain a license suitable for opening an auto insurance company, certain documents are submitted to the licensing authority. It is also important that the licensee meets the following basic requirements:

• had work experience in insurance activities (including CASCO and OSAGO) of 2 years. In order to gain sufficient experience, it is recommended to begin activities in the field of auto insurance by opening an agency or working as an insurance broker;
• availability of access to a systematic system of compulsory insurance; – valid membership in the national union of auto insurers.

In addition, when licensing, attention is paid to the presence of a minimum authorized capital, which must be fully paid at the time of registration.

Another important rule is that to ensure financial stability, a car insurance company must have a wider range of services. Thus, OSAGO and CASCO should account for no more than 50% of its contributions from the total insurance portfolio.