UIC- REINSURANCE MISSION

«Facilitate development of the insurance culture so that the business life of the society would become more effective and the society itself would be stable and prosperous»

United Insurance Company Established in 1990

2014

UIC-REINSURANCE Samara

Ufa

St. Pe-terSbUrg NizhNy

Novgorod

KazaN

moScow

Petroza-vodSK

togliatti

eKater-iNbUrg

By uniting experience and energy of the regional branches UIC has created conditions for high quality insurance on the whole territory of Russia

scopeUIC is a combination of top-notch specialists and cutting-edge technologies in the insurance and reinsurance spheres

ExpERIENCE

United Insurance Company CJSC is an innovative federal insurance company with a head office in Samara and a large branch network

INNovAtIoNS

woRld pRotECtIoN

reinsurance territory of UIC

2014

ecUador

SoUth Korea

iNdoNeSia

cambodia

rUSSia

PhiliPPiNeS

azerbaijaN

jordaNPaleStiNe

moldavia

UNited arab emirateS

Qatar

tUrKeylebaNoN

libya

iN 2013 the «Expert RA» rating agency has confirmed the earlier attributed reliability rating of UIC CJSC on the A level («High degree of reliability»).

hIgh dEgREE of RElIAbIlIty

UIC - is a reliable partner as it AlwAyS performs the undertaken obligations

Class A in the rating hierarchy means that with high probability the company ensures timely fulfillment of all financial obligations, both current and those appearing in the course of the activity.

holding’s resources enable UIC to Optimize financial stability

Cooperate with the largest financial and industrial groups and banks

Provide full and reliable servicing of partners

UIC IN ASKo holdINg

Exceed insurance assets of the ASKo holding3 billion rubles

Together with several insurance companies UIC enters the ASKO insurance holding

Assessment And consulting compAny

EXPERT- SERVICE

sAmArA insurAnce medicAl centre

SSMC

leAsing compAny

VOLGOPROM-LEASING

the universAl insurAnce compAny

mAnAgement compAny

STRAkhOVyE TEkhNOLOGII

medicAl insurAnce compAny

established in 1991

TheMCManagement company of the ASKO insurance holding

United Insurance CompanyEstablished in 1990

2013 performance Indicators of UIC CJSC

fINANCIAl StAbIlIty

ASSEtS 1 994 mRUb

EQUIty CApItAl 728 mRUb

ChARtER CApItAl 622 mRUb

INSURANCE pREMIUMS 2 135 mRUb

INSURANCE loSSES 1 173 mRUb

License for reinsurance (No. P 2346 63 dated 02.07.2010)

lICENSES

License for voluntary and obligatory insurance (No. С 2346 63 dated 28.07.2009)

UIC is entitled to provide All statute-permitted insurance and reinsurance types

objective

Ensuring reliability of insurance and expansion of its possibilities,

provision of our service consumers with high-quality,

competitive reinsurance protection.

Ensuring maximum financial efficiency and stability of our

customers’ companies.

REINSURANCEAt UIC

Andrey Razdyakonov, president of UIC:

We are for the eternal principles. It’s worth taking care of the things that are of interest to people now and will be of interest for many years later. The recipe for success of UIC is concern for true values, professional team, honest and sincere relations with customers.

Natalia lisina, vice-president of UIC:

We always stay true to our traditions: efficiency and individual approach to each customer, inadmissibility of operations contradicting the legislation and ethic norms, meticulous fulfillment of obligations before partners and confidentiality.

Premium under obligatory contracts

51%

Premium under facultative contracts

49%

SERVICES

Liability insuranceAutomobile insuranceCargo insuranceAviation and space risk insuranceProperty and technical risk insuranceVessel insuranceAccident insurance

UIC provides reinsurance protection under inwards obligatory reinsurance contracts:

Reinsurance coverageBaku (Azerbaijan), Chisinau (Moldavia), Jordan, Palestine, United

Arab Emirates, South Korea, Philippines

Correspondence of obligatory and facultative reinsurance at UIC

obligatory and facultative reinsurance

pARtNERS

the risks of UIC CJSC are reinsured at hannover Re, one of the largest reinsurance companies of the world

Agreement: obligatory excess of loss reinsurance

period 12 months

business class: property of individuals and legal entities including breakdowns of machines and mechanisms and loss from business interruption; construction and assembly risks including construction equipment and machines, third party liability and guarantee maintenance period insurance.

Agreement limit: $5,000,000

AA S&p, A A.h.best

obligatory reinsurance protection

GefestIngosstrakhTITRussian Insurance CentreMegaruss-DPomoschPariYakoretc.

REINSURANCEpARtNERS

Reinsurance partners of UIC CJSC

110аs of today UIC has got 110 reinsurance partners

2013 Inwards Reinsurance Results

REINSURANCERESUltS

pREMIUMS 138.239 mRUb 93.899 mRUb in 2012

loSSES 87.158 mRUb 72.642 mRUb in 2012

LOSS RAТIO 63% (77%)

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↑

↑

REINSURANCE

pREMIUMS2013 Inwards Reinsurance portfolio Structure of UIC CJSC

AUTOMOBILE TRANSPORT

49%

ACCIDENTS

2%VESSELS

1,5%CARGO

2%

PROPERTY AND CONSTRUCTION AND ASSEMBLY RISKS 29%

AVIATION AND SPACE RISKS 7,5%

LIABILITY 9%

Quick decision making on payments!Examples of large

payments

UIC CJSC paid more than 1 billion rubles to the customers under the inwards reinsurance agreements in 2003-2013

3.23 mRUb Rosles ReSpace vehicle wreckage

4.66 mRUb Insurance company ASKO-CentrePouring of a dwelling-house

3.73 mRUb NASKO insurance company Cargo damage

2.4 mRUbArteks insurance companyFire on the plant manufacturing food products

10 mRUb Malakut Constellation insurance brokerSpace vehicle wreckage(FOBOS-Grunt)

1 mRUbASTRO-Volga insurance companyFire in a trading centre

90 000 EUR SOGAZ insurance companyDamage of railway tracks

2.24 mRUbSOGAZ insurance companyDamage of a gas turbine

1.9 mRUb IngoNord insurance companyFire in a night club

1.7 mRUb GEFEST insurance companyDamage at construction and assembly works

2003

2004

200820122013

2013

2013

2012

2010

2009

UIC-REINSURANCE

Customer’s interests are the primary concern for UIC. we have implemented such customer relations management system, which enables implementation of an individual approach, attention and respect towards each customer.

Conservative financial policy, development stability and consistency.

Innovative management.

Constant service quality improving.

development of new forms of mutually beneficial long-term cooperation with partners within the framework of the current legal environment.

Advanced corporate culture, professionalism of employees.

StANdARdS

why customers choose UIC

the charter capital of UIC is 622 mRUb

why UIC

In 2012 UIC CJSC received a certificate of compliance of the quality management system with the Russian government standards R ISO 9001-2008 (No. РОСС RU.3609.04ЧЖОО / ЕС.С.О.02.01.000747-12 dated 01.02.12). The certificate confirms that the quality management system of UIC complies with the Russian government standards R ISO 9001-2008 in part of insurance and reinsurance, the company’s business processes are in line with the international standards.

UIC guarantees high quality as it works in accordance with the international standards!

Values of UIC:

ReliabilityHonestyAttentionTransparencyTrustProfessionalismInnovationsCreativity

UNItEd INSURANCE CoMpANy

Laureate of the «Golden Salamander», Russian public prize in the sphere of insurance, following the results of 2010 in the category of «Head of Insurance Company 2010»

Nominee of the «Golden Salamander» prize following the results of 2010

Winner of the «Golden Salamander» prize in the category of «Inter-Regional Market Leader» following the results of 2004

Certificate of honour from the All-Russian Insurers Union for active participation in the development and improvement of the Russian insurance market

Winner of the «Most Public - 2008», Samara public trust prize in the category of «Insurance Company»

Laureate of the «Silver Umbrella», Volga national prize in the sphere of insurance, following the results of 2010 in the category of «Best Regional Company»

Laureate of the regional stage of the All-Russian competition «Brand of the Year» in 2003

SamaraOffice 410, bld 1, 23 Lesnaya str., Samara, 443110Tel.: +7 (846) 277-91-75, 277-91-76e-mail: info@osk-re.ru

Management board in Moscow32a Khoroshevskoe shosse, Moscow, 23007Tel.: +7 (495) 981-29-77e-mail: mos@osk-re.ru

UIC-REINSURANCEdepartment

UNItEd INSURANCE CoMpANy