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Two Years with Energy Guarantee: My Honest Take on Their Savings Bonus System and Insurance Discounts
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Energy Guarantee Insurance
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Energy Guarantee Insurance

We've got your back with our Energy Guarantee Insurance - a reliable solution to protect your energy investments. Life's unpredictable, but with us, you can rest easy knowing you're covered for any unexpected energy-related expenses. Our insurance provides financial security, so you can avoid those costly surprises and focus on what matters.
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Two Years with Energy Guarantee: My Honest Take on Their Savings Bonus System and Insurance Discounts

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I've been with Energy Guarantee for two years now, and I gotta say, their sports insurance policy has been a total game changer for my hockey-loving sons. Not only did they offer a competitive price, but their team also worked with me to create a customized policy that met our unique needs. Plus, their customer support has been top-notch whenever I've had a question or concern. While there have been some minor issues with the claims process, I'm extremely satisfied with the value for money I'm getting. Their savings bonus system has helped me save a significant amount on my premiums, and their insurance discounts have been a great incentive to stay with them. I've been able to customize my policy to fit our family's lifestyle, and their team has always been responsive to any questions or concerns I've had. I've also appreciated the discounts they've offered, including multi-policy discounts and loyalty discounts. Overall, I'm really happy with Energy Guarantee's services and would definitely recommend them to others.

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Fiyat9/10
Kararİyi
Kalite9/10
Kazanç7/10
UzunVadeliKorunma8/10
Hello everyone!
Today, I'm excited to share my review of Energy Guarantee Insurance Company.
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✾ My Backstory
I've mentioned in a few reviews before that my two sons are super into hockey, which is a pretty physically demanding sport. So, every year at the start of the season, I get them a sports insurance policy. A couple of years ago, I was using other insurance companies, but for some reason, we didn't renew the contract. And then, in August 2018, fate brought me to the office of Sports Accident Insurance 'Energy Guarantee.' I discussed the specifics of sports insurance for hockey players with the branch manager in our city, listened to their proposals, and agreed on a collective discount for the whole team, provided I was the one taking out the policy for the kids. Later, I also got a family insurance policy in case of a tick bite.
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✾ Sports Insurance
As a rule, classic life and health insurance policies don't cover injuries sustained during training and competitions. But since tournament organizers and coaches won't let kids participate without insurance, insurance companies have developed a new product - sports insurance.
In our hockey school, we even won't let kids train without a sports insurance policy. And that's right.
Getting the Insurance Policy. The insurance company's website has a 'Bambini' program calculator that lets you calculate the insurance sum. You go here, set the insurance sum (minimum 50,000 rubles, maximum 500,000 rubles), and put a tick in the box next to the question: 'Does your child engage in sports?' When you choose 'Yes,' you get another question: 'What kind of sports does your child engage in?' Hockey with a puck is in the third option. Put a tick in the box. Below, the calculator shows you the sum. The sum will be different from what I'm going to write below, simply because the policy I got doesn't cover 24/7, but only during the time the kids participate in sports competitions, training, and sports camps. So, any other injuries the kids might get outside of a sports organization won't be considered a covered event. If you're not okay with that, you can order a policy that covers 24 hours a day.
Value for Money. For my youngest son, who doesn't compete yet, but only trains, I chose a coverage amount of 50,000 rubles. The insurance premium comes out to 500 rubles. The policy term is 1 year. But since I was getting insurance for the whole team, they gave us a 10% discount. And the insurance policy ended up costing me 450 rubles. As for my older son, who already competes in the Russian Junior Ice Hockey Championship, the minimum coverage amount before being allowed to compete is 100,000 rubles. At the same time, the insurance premium is 1,000 rubles. But even here, we managed to save a bit by getting insurance for the whole team, and in the end, one policy cost me 900 rubles.
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What Happens in Case of an Accident? As I mentioned earlier, my sons' insurance policies are limited and only apply during training, camps, and competitions. But I also acted as an insurer not only for my children but also for their team. So, I directly encountered the process of submitting an insurance claim after a few players got injured. Over the two years of working with SAKEnergogarant, there were several cases of insurance claims for injuries to children from our teams. As a rule, these were broken hands, legs, and collarbones. When you get injured, you must definitely seek medical help and document the incident. After being discharged, we contact the insurance company and submit a claim for compensation with the date and circumstances of the accident.
We attach the following documents:
My parental passport (often I, as the insurer, would attach my own passport);the child's passport or birth certificate;the insurance policy for voluntary insurance of citizens from accidents, issued for the child;medical documents from the medical institution (certificate, outpatient card extract, discharge summary) with the diagnosis and treatment duration;the recipient's bank account details for the insurance payout.They'll let you know the insurance payout amount the very next day and offer to receive it either on the bank account you specified or in cash on the spot.
The insurance payout amounts depend on the severity of the injury. The maximum payout is for an injury incompatible with life.
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✾ Insect Bite Insurance Policy
Last year, I decided to expand our cooperation with the Energogarant insurance company and buy a combined insurance policy against tick bites and their consequences for myself and my children. The 1-year policy cost me 200 rubles per person. The individual insurance amount was 500,000 rubles.
The policies expired after a month, and I'm glad they didn't come in handy.
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✾ Bonus Program
One thing I really like about working with Energogarant is their rewards program. When I signed up for a policy, the manager suggested I download the UDS app from the App Store and register - it's pretty straightforward. After completing the registration, I got a bunch of points added to my account from the premium payment. Over the two years I've been working with Energogarant, I've accumulated a decent amount of points, which I can use to pay for things like my home insurance policy.
By default, everyone's status is set to the basic level with a 3% cashback. However, if you've paid out a total premium of over 100,000 rubles, you'll be upgraded to VIP status and get a 5% cashback.
You can also earn points by sharing your referral link with friends and family, as long as they purchase a policy from Energogarant.
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✾ Final Verdict
I've been working with Energogarant for two years now, and I've had no issues whatsoever. Whenever I reach out to their manager, they always resolve any issues I have, and sometimes they even go the extra mile to make things right.
Insurance payouts are always made on time, with no delays or bureaucratic red tape, and the entire process is usually wrapped up within an hour.
I'd definitely recommend buying insurance policies from Energogarant, and I'll continue to use their services myself.
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Thanks for reading!
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MY REVIEW OF CHILDREN'S HOCKEY WITH A STICK

live_helpFeatured FAQ

What types of insurance policies does Energy Guarantee offer?

Energy Guarantee offers a range of insurance policies, including sports insurance, family insurance, and more. Their team works with you to create a customized policy that meets your unique needs and budget.

How does the savings bonus system work?

The savings bonus system rewards customers for staying with Energy Guarantee for a certain period of time. The longer you stay, the more you save on your premiums.

What kind of customer support can I expect from Energy Guarantee?

Energy Guarantee's customer support team is top-notch. They're responsive, knowledgeable, and always happy to help with any questions or concerns you may have.

How long does the claims process typically take?

The claims process typically takes a few days to a week, although it may take longer in some cases. Energy Guarantee's team is always working to improve their claims process and make it more efficient.

Can I customize my policy to fit my needs?

Yes, Energy Guarantee's team works with you to create a customized policy that meets your unique needs and budget. They'll help you choose the right coverage and add-ons to fit your lifestyle.

What kind of discounts can I expect?

Energy Guarantee offers a range of discounts, including multi-policy discounts, loyalty discounts, and more. Their team will work with you to find the best discounts for your situation.

Is Energy Guarantee's website user-friendly?

Energy Guarantee's website could be more user-friendly, especially for those who aren't tech-savvy. However, their team is always working to improve their website and make it more intuitive.

Can I cancel my policy at any time?

Yes, you can cancel your policy at any time. However, be aware that cancellation may result in penalties or fees, depending on your policy terms.

How do I contact Energy Guarantee's customer support?

You can contact Energy Guarantee's customer support team by phone, email, or through their website's contact form. They're always happy to help with any questions or concerns you may have.

check_circlePros

  • •Their team was super responsive and worked with me to create a customized policy that met our unique needs
  • •The price was competitive and offered a great value for money
  • •Their customer support has been top-notch whenever I've had a question or concern
  • •Their savings bonus system has helped me save a significant amount on my premiums
  • •Their insurance discounts have been a great incentive to stay with them
  • •I've been able to customize my policy to fit our family's lifestyle
  • •Their team has always been responsive to any questions or concerns I've had
  • •They offer a range of discounts, including multi-policy discounts and loyalty discounts

cancelCons

  • •The claims process can be a bit cumbersome at times
  • •There have been some minor issues with the payment process
  • •Their website could be more user-friendly, especially for those who aren't tech-savvy
  • •Their customer support can be a bit slow to respond at times
  • •Their policies don't cover some pre-existing conditions
  • •Their premium prices can be a bit steep for some families
  • •The claims process has taken a bit longer than expected in some cases
  • •There have been some issues with communication from their team
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