Boris Rusinov, manager of Insurance Broker Omnicar and Partners, looks bravely into the future
You have an unplanned trip abroad. You decide at the last minute to go skiing. You suddenly discover that your car liability insurance is ending. The lack of coverage for all these situations, and many more, can be elegantly solved. Just go on SPOTINS.bg and take out the insurance you need quickly, easily and safely. Behind Bulgaria's first service for online insurance with option for price comparison stand the professionals of Insurance Broker Omnicar and Partners Ltd. We met with Boris Rusinov, the company's manager, to learn more. The creator and the motor of SPOTINS.bg has over 20 years of experience in insurance and is the Deputy Chairman of the Board of the Association of the Insurance Brokers in Bulgaria.
Why did you decide to develop digital insurance?
We, at Insurance Broker Omnicar and Partners, always strive to be a step ahead of the times. We started SPOTINS.bg two years before the Covid-19 crisis as a website where clients could get consulted and order an insurance. Then we realised that clients are increasingly using digital services and decided to offer them effective, working and reliable digital insurance. Today, the most popular product on SPOTINS.bg is coverage for travel abroad. For other types of insurance, clients still habitually prefer to visit a physical office, but this is bound to change sooner or later. We have the potential to materialise this transformation.
How do you guarantee the security of clients' personal data?
Our service is free and does not require registration or installing an app. The important thing is to provide clients with information in the fastest way possible, to allow them to compare conditions and prices, and to take out insurance when it is comfortable to them. SPOTINS.bg is a communication channel between them and the insurance companies. Payment is through the BORIKA system, and the data exchange is protected with an SSL certificate. We, at SPOTINS.bg, do not keep data about the client's or their property. Data is used only for the goals of the purchase. The only contact information that we keep on SPOTINS.bg is the client's email where we are required to send notifications for dates of payment and when the insurance is ending.
What does good digital insurance look like?
No matter whether it is traditional or digital, good insurance service always concerns the client's satisfaction. As insurance brokers, we protect our clients' best interest, we represent them to insurance companies and seek the best product for their needs. In our digital service we used our 20+ years of experience to select the most popular insurance products. We then offered them in a way that covers the diversity of clients' needs. This allows them to choose from the best available on the market. In case the client is unable to choose on their own, they can call us on the phone number we have provided or click on the contact button. We will provide information and professional advice.