Business unit "Finance" group company "Independence" - a unique structure. While the Russian car market only, "Finance" attempted to combine in one place lending, leasing, insurance and expertise. How do you manage within one structure to combine all the services needed in the future and current car owners, said Natalia Vedmed, CEO Business Unit Finance. - Natalia, how you came to this idea - to unite under the aegis of one firm set of such varied and diverse services? - The idea was conceived about three years ago, when a dealership parts of the group of companies "Independence", have been actively developing areas such as lending and leasing. The second reason - the desire to assist clients in the most difficult situations. We decided that our client had not left alone with their problems! For example, in the early work for the settlement of insurance claims we have invited an insurance broker who had been on our sites. But we are not happy that almost all brokers are pursued only their own interests - they thought only about their profit and do not worry about that when the insured event the policyholder would receive all necessary support. Therefore, the question arose of its own experts. Finally, a third, very important moment for the automobile business - a matter of quality repair, which is directly connected with the conduct of examination, must be the professional and honest. - And you'll have covered this workload? - We have developed separately in each direction, but eventually combine all of these services in one business unit. Today, "Finance" - an alliance of companies ("Finservice", "Independence of Leasing", "Delphi"), who work towards a common goal - to facilitate the client's life, whether individual or large corporation. "Finservice" assists clients in obtaining a loan dealers when buying a car on the program "MultiCredit" (to date agreements have been signed with fifteen banks) and, together with ten partners - the insurance companies, provides a full range of insurance services. Employees of an independent expert bureau Delphi assess property damage and gather documents for the insurers. A leasing division helps corporate customers advantageous to buy on credit cars or other property. - What is the main goal of the whole structure? - The most fully meet the needs of our customers. Everyone who spoke to us, may in the same office receive the maximum amount of services needed in the purchase, registration and operation of the vehicle. Here is just one example: even without coming to our office or the office of the insurance company, we help our clients resolve issues with repairing the car after the accident, which in all service centers of our partners can take advantage of the remote settlement of an insurance case. - If possible, this in detail. - Remote settlement means that the client, if it occurred small accident, there is no need to come to the insurance company. He was immediately drawn to the service, where staff expertise bureau Delphi, having a license to survey and assess property damage, carefully studying the condition of the machine and provided referrals for repairs to the service where the client already. For us this is a golden opportunity to demonstrate what our company different from others. Indeed, under such conditions of insurance services from the abstract becomes real and quite tangible. - And what else does an expert bureau Delphi? - Assess the cost of the machine, if the owner planned to sell it or rent in the trade-in. Our appraisers and companies in general have a license, all of our documents are certified by MADI-test. Insurance companies, who work with us, trust us to estimate on insurance cases. We help make the cost estimate for repairs on the service, and this estimate is accepted by all insurance companies. At the beginning of the year we opened a special center for inspection of the affected machines CMTPL the ATC "Moscow" (Kashirskoye Shosse, 61). Our experts are available to an additional scope of work, and we accept everyone who wants to come here, not just our customers. - You are doing and lending, and insurance and leasing, and expertise. Which of the directions for you in the first place? - It's hard to choose something a priority, since all of these areas very closely and tightly linked. After all, if the client did not have enough equity, he will not buy a car, insure it and then there will be nothing, and the more there will be nothing to repair ... with the same access to loans are often situations arise, which at first glance appear to be hopeless. And our manager will review all available documents, explain the benefits of a credit program (as I have said, we have agreements with 15 partner banks) and necessarily podyschet is a financial institution where the client is guaranteed to give credit. Same goes for leasing: not all legal persons can monitor the market, able to execute the required documentation, and we work long debugged and all stages are perfected to the smallest detail. Company wishing to buy a car or other property to lease, you need to decide only "the object of desire" and provide the necessary documentation - everything else we do ourselves. - So, you credit the client provided a suitable leasing program to find. What's next? - Making your insurance policy. And I'm sure that the client chooses to do is us: it is simply a convenient, and he trusts us anymore than anyone else - we helped him get the money to buy a car or other property! - It turns out the chain: you save time and money to their customers, they lead you to their friends and acquaintances, business partners, etc. - Yes, it happens that way. Especially pleased when come to us to insure the car, not purchased from us. In fact, insurance and credit manager must call the customer the same credibility as a doctor, or at least, the lawyer - ... and the relationship between the client and the manager should be based on a personal level. - Exactly. Sometimes our clients feel free to bother us and try to solve their problems in insurance companies or banks. As a result, patting a lot of nerves, man still comes to us, and we are within one day allow him the situation. And the reaction: "Where I had once been!" While the policy, we always say: "What would you no matter what happens, the first call - to us. Call us immediately, without delay, we will help. " - For such work, and people need special? - The staff we really piece. Each had to undergo a tough selection. We have a fundamental credo: do not take people out of insurance companies, we are preparing their employees themselves. This versatile specialists. They will be able to calculate the credit and leasing payments, obtain insurance, to advise on any issue. - And what is the main instrument for employees? - Smile! And a notebook in which programs are installed on calculators in all directions. Within minutes the customer is given a full account of its credit: how much to pay now, how much will have to return to the bank each month, what are the overheads. It is mandatory to make it clear what's good about the program or that bank. Sometimes, advertising a rate of 9% per annum, the bank keep silent about the fact that the effective rate is actually 15%, as in the original amount is not laid charges for credit for converting euros into dollars, for the monthly service credit, and so on. Our task - to explain to each client what he can expect in each particular case. We provide absolute transparency and openness, the client should understand all the terms of the contract which he signed. Very often the negative attitude is born solely because the buyer to conceal an important fact, which opens only when it starts to repay the loan. - And after all, than employee business units, "Finance", except that it owns adjacent to the specialty, differs from the usual broker, which can be seen today in almost every car show? - Our main advantage - a deep dive into the problem. We have departments that develop programs that interact with the banks. We go at least one step ahead of that, in fact, required of those who are moving business. On our side of the scale, first of all, professionalism, and secondly - fair game. We pay great attention to building relations with banks. Our task - debug technique of working with so that the client did not have to repeatedly come to us and take the parts of the necessary documents or weeks waiting for an answer from the bank. "MultiCredit" gives us the ability to provide clients with information on all loan programs: from the expensive, which provide loans only on the basis of passport and driver's license, to cheap, but require large amounts of securities. Choice - only for the client. - And maybe, referring directly to the bank, the customer receives a prize in time? - Our life - a maximum of three working days. We have in the arsenal of a program under which banks lend to buy cars before the registration at the Traffic Police, which is very interesting to dealers who are receiving in this case "real" money. The same applies to insurance. After all, what is our biggest plus? 12 years of experience in the automotive market and the vast experience of dealing with insurers have taught us the value of honesty towards the partner. In the insurance field is aware of our demands, but also know that if we promise something, make sure you carry out: the interests of their clients, we always stand for! Insurance companies have long convinced of this. If the client wishes to insure the questionable, in our opinion, the insurance company, we will not argue with him - but be sure to warn you what pitfalls to expect: forewarned is forearmed. Still, least of all we would like to risk their reputation. - What else can you offer customers? - We have been lending to used cars - in the case when an individual buys from a private person, that hardly anyone is doing in Moscow. Next, we work exclusively with the operating cash register bank, you are billed at the rate of the Central Bank and in any currency. Therefore, the client will not have any sverhzatrat and no appreciation. Today we have all the necessary technical means to travel to the client for discharge of insurance, even for the city. And with some banks have agreed that the customer can sign the documents for a loan or where he buys a car or in your office. Again, the customer is worth nothing: we have a car, there are couriers. Now we have negotiated with many banks that the place of repayment have our offices and technical center - regardless of which bank to take the credit. - Do you plan to disseminate their experience? - Yes, there is reason to believe that we are in outsourcing will invite other holdings, selling cars, not to know the hassle of insurance, leasing, lending and expertise. In any case, negotiations are already underway. - You mentioned that come to you for an insurance policy and those who bought the car at another company. How and where potential customers can find you? - In the name of our company logo of the Group of Companies "Independence", and for the last time we worked solely on the grounds of holding: mastering technology, accumulated experience. At the end of 2004 we first came on the external market. We opened our office on the sixth floor of the ATC "Moscow" (road shopping center, which houses about two dozen car dealerships, five hundred stores of spare parts and accessories) Kashirskoye, 61, Bldg. 3a. To date, we can confidently say that the choice of this place was right. In early autumn last year, started the Central Sales Office "Finservice" on the 2 nd main street, the house 8a (office is located in the building of a new business center near the Third Ring Road). In this office, our company offers clients a full range of services, the so-called «Full-service» from Finservice ". In a pleasant, comfortable and cozy atmosphere of our specialists will provide you expert help in designing and obtaining credit; produce a conclusion, and prolongation of insurance contracts with their subsequent support, advice on any subject will appreciate the value of the car or the size of losses. Take this opportunity to invite our clients, friends, and just everyone to our new home. - What are the prospects of "Finance" You see? - The obvious further growth of car loans in our country. Worldwide car long ago sold on credit, and prevents us to go on this scheme is only our own psychology: we are taught that to live in debt indecent and shameful. And really, what could be easier: paying for the car only 10-20% of its full value, begin to drive now. The machine's not a luxury, but very often a means to earn extra money and improve quality of life. The second point: it becomes increasingly clear understanding of what insurance - a necessity. If you have damaged your car or, say, the roof fell down an icicle, to say nothing of an accident involving several vehicles, then spent the money to buy the policy that exists will seem nothing compared to the cost of repairs. And in some denominations count, what units to measure the nerves and time spent in a fight with other participants in an accident? As for our immediate plans, we plan at all points where there are our managers, to insure not only cars but also the life, health (medical insurance), property, etc. And now is the time to develop all these areas, not only in Moscow but also in the suburbs. We're working on, so that residents of the regions could have the capital to get credit on the same terms as the Muscovites, and return the money where they live permanently. - How much for your services have to pay customers? - Our services for the client are not worth anything. For instance, if we do insurance transaction, the commission we pay the insurance company. Wherever a man may become an insurance policy - directly to the insurance company's agent or in our "Finservice" - the price of the question for him will be the same, the tariff approved is very tough for all retailers. - And last but very important point for understanding. What is the meaning you put into your slogan: "Service on the highest level"? - If you delve into the essence of the company's philosophy, we would like to convey to clients the idea that cooperation with us - a guarantee of stability, reliability, confidence in the future. Our company long ago and its best known in the market, it has a history of success, its principles, it will not crumble at the slightest jolt or a thunderclap. "Service on the highest level" - it is our responsibility for everything that we offer. Responsibility at the highest level: the quality, timing, agreed prices. And we do know: the man came to us only because we are the best in his field! For more information please contact: Tel. (495) 783 93 32 *** About Group of companies "Independence": Group of companies "Independence" was founded in 1992 and is one of the largest holdings in the sale, repair and maintenance of vehicles in the Russian Federation . The group of companies "Independence" includes business units, "Audi Center Moscow" - the official dealer of Audi, «Auto Hansa" - official dealer of Volkswagen, «The independence of the Premier Auto" - official dealer marks of Land Rover, Jaguar, Volvo, as well as "AA Independence "- official dealer of Ford and Mazda. In recent years, a group of "independence" is firmly established itself as the title of one of the best Russian dealers. The company has more than 50 awards for quality service and leadership in sales. Business unit "Finservice is part of the Group of companies" Independence ". Specialization business units - providing customers with "Independence" of the full range of insurance, loans, leasing and peer review. In 2006, "Independence-Finservice was awarded a prestigious award in the insurance market," Golden Salamander ".
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