Review of the best according to the editorial board. On the selection criteria. This material is subjective and does not constitute advertising and does not serve as a purchase guide. Before buying, you need to consult with a specialist.
We present to your attention the client rating of the best OSAGO insurance companies. When selecting 'candidates' for this category, several important factors were taken into account: the number of reviews, as well as their quality, the activity of insurers in solving problems of their clients.
How to choose an insurance company OSAGO
Insurance companies in Russia are numerous and widespread. To choose a worthwhile company that will really 'come to the rescue' when an insured event occurs, you need to try hard.
So, first of all, you need to pay attention to 2 points: reliability and stability. Fortunately, information about these indicators of the development of insurers is freely available. The size of the authorized capital is also important. Moreover, you need to pay attention not only to its value, but also its ratio with the annual profit, the amount of payments under contracts. And a couple more points:
- If the organization is small, be sure to check for a license to carry out operations related to car insurance.
- Pay attention to registration – it is better to give preference to the company that originated and is 'registered' in Russia, and not abroad.
- Pay attention to 'age' – when choosing the right insurer, lean towards one who is at least 10 years old.
Rating of the best OSAGO insurance companies
|Nomination||a place||Insurance Company||rating|
|Rating of the best OSAGO insurance companies||1||Ingosstrakh||4.9|
PJSC Ingosstrakh is an insurance company with an authorized capital (data as of May 2018) of about 17.5 billion rubles. Works both in the domestic and international markets. Today it is a federal level insurer with representative offices in 84 regions of the country. Ingosstrakh is in the first place in the collection of payments in car insurance (land, water).
As of the beginning of 2019, the share of refusals in policy payments to insurance clients was 0.57% (the figure decreased by 23.8% compared to the previous year). The amount of payments for the past year – 28.9 million rubles. According to the authoritative rating agency Expert RA, the organization has the highest rating of financial reliability (AAA). Ingosstrakh is one of the leaders in the country in terms of the amount of reimbursements, premiums and balance sheet.
Alfastrakhovanie JSC is rightfully considered one of the largest in Russia. Provides a comprehensive package of services that includes not only profitable business protection programs, but also excellent portfolio products designed to protect the interests of individuals. Alpha insurance is in second place in terms of profitability and the number of contracts concluded in auto insurance, as well as insurance of railway vehicles. The site has a 24-hour hotline. 20% discounts are provided to accurate drivers, VIP service programs are in place. The company has about 270 regional offices.
As of the beginning of 2019, the share of refusals in payments to customers according to insurance policies was 0.23% (the figure increased by 10% compared to the previous year). The amount of payments last year – almost 28.3 million rubles. According to the authoritative rating agency Expert RA, the company has a consistently high financial reliability rating (АА +).
Insurance group with an authorized capital of 25 billion rubles. for 2 years in a row it is the undisputed leader in terms of insurance premiums. Today SOGAZ is a federal-level insurer with representative offices in 79 regions of the country.
As of the beginning of 2019, the share of refusals to pay out to customers according to insurance policies was 0.89% (the indicator increased by 5.6% compared to 2018). The amount of payments based on the results of the past year amounted to about 72.4 million rubles. The share of auto insurance in the insurance portfolio at the end of 2018 was about 1/6. According to expert estimates, the insurance company received the highest financial reliability / soundness rating.
IMPORTANT! At the end of 2018, SOGAZ decided to merge the insurance business with VTB Insurance. So a real giant appeared on the market, occupying about a fifth of it.
Tinkoff Insurance JSC is a relatively young company that mainly provides direct insurance (via the Internet and call centers). The organization has no representative offices or branches. The sale of policies takes place exclusively through an agent network in 43 regions of Russia. The share of auto insurance in the insurance portfolio of the organization is about 1/10.
By the beginning of 2019, the bounce rate was 1.18% (down 0.08% from the previous year). The amount of payments at the end of last year – 967 million rubles. According to expert estimates, the insurer received a moderate financial stability rating, which implies sensitivity to negative changes in the economy.
Over 18 years of its existence, the insurance company has turned from a modest insurer into a real giant with working capital worth about 190 billion rubles. Branches of the company are located in 90 largest cities of the country. The amount of payments by the end of 2018 amounted to 10.5 billion rubles. At the same time, the share of refusals is almost 8% (it is worth noting that this figure decreased by 13% compared to last year).
Auto insurance makes up no more than 10% of the total share of the insurance portfolio. According to the authoritative rating agency Expert RA, the insurer has the highest financial reliability rating (AAA). At the end of 2018, the organization merged with the SOGAZ insurance group, as mentioned above. We will only find out how a new market participant will show itself based on the results of the first quarter.
PJSC RESO-Garantia is an insurance company with an authorized capital of 10.9 billion rubles. It is an agency type organization: it includes about 900 branches and offices in all regions of the country. Auto insurance is one of the priority areas of work (almost 70% of the insurance portfolio). In the first half of 2018, the insurer ranked 5th in Russia in terms of premiums.
As of the end of 2018, RESO-guarantee made payments to customers in the amount of about 32.8 billion rubles. At the same time, the share of refusals was 0.34% (which is 0.65% higher compared to the previous year). The Russian rating agency 'Expert RA' confirmed at the beginning of 2019 the high level of financial reliability of the organization. RESO-garantia is a member of many professional associations, including the Russian Union of Auto Insurers.
One of the largest insurance companies in the country with an authorized capital of 19 billion rubles, 2000 offices in all regions and a 97-year history. The blocking stake belongs to the state. The data of the 1st half of 2018 showed that the organization became the 9th in the list of the best in terms of profit.
In 2018, the Russian rating agency Expert RA raised the company's reliability rating by assigning it a high level of financial stability. Rosgosstrakh made payments to customers in the amount of about 30.9 billion rubles, while the percentage of refusals reached 2.1% (the figure decreased by 69% compared to the previous year). Auto insurance accounts for almost 70% of the organization's insurance portfolio.
Renaissance Insurance Group is a market company that is a member of 10 leaders of the Russian insurance market. For 2 years in a row, the organization has become the leader in terms of premiums in the direct insurance market. The group was the first in the Russian Federation to start selling policies via the Internet.
Over the past few years, there has been a steady increase in revenue. At the same time, the amount of payments on insurance policies at the end of 2018 amounted to approximately 11.5 billion rubles. The refusal rate reached 1.6%, which is 0.78% less than last year. The group has opened more than 35 representative offices in major cities of Russia and Ukraine. There is a round-the-clock call-center and SMS support. It is possible to purchase an insurance policy at a discount – via the Internet.
The joint-stock company is a versatile company that occupies (data at the beginning of 2018) the 14th place in the ranking of the best in terms of CASCO fees. The organization is a true professional in the field of direct insurance: the main sales of policies are carried out via the Internet and call centers. The organization's offices are located in 9 regions of the country. For the last couple of years the main activity of Liberty Insurance has been auto insurance (about 60% of the total share in the insurance portfolio).
As of the end of 2018, the amount of payments on insurance policies amounted to about 1.6 billion rubles, with a failure rate of 1.76% for the same period (the indicator decreased by 5.77% compared to last year). An authoritative rating agency has confirmed the consistently high level of financial reliability of the organization (АА +).
The insurance group is considered one of the largest in Europe. Has an exceptional reputation as a reliable insurer. Auto insurance is a priority area that occupies the lion's share in the insurance portfolio of the organization. ERGO is in 7th place in the country in the rating of motor transport insurance. The company provides the opportunity to issue a policy in electronic form, including the 'Green Card' product – a mandatory document for those who plan to travel outside Russia by car.
As of the end of 2018, the amount of payments amounted to 2.6 billion rubles, while the share of refusals for the same period of time was 5.5%. The Russian rating agency Expert RA has confirmed the high financial reliability rating of ERGO (АА +).
One of the largest Russian insurers, which has opened about 400 representative offices in large cities of the country during its existence. For 18 years the company has had a consistently high rating of financial reliability. Russian President V.V. Putin three times announced VSK gratitude for the development of the insurance business.
On the organization's website, the option of making a payment by bank card is available. In addition, payments on insurance policies are possible throughout Russia (regardless of the place of execution of the contract). At the end of 2018, the insurer took the 5th place in the country in terms of premiums from OSAGO policies. The amount of insurance payments for the same period was about 20.5 billion rubles. with a share of refusals to pay 2.25%.
LLC 'Zetta Insurance' with an authorized capital of 1.5 billion rubles. successfully sells insurance policies in 35 representative offices opened in large cities of the country. The company works closely with 350 Russian car dealers. The predominant part of premiums as of the beginning of 2018 fell on auto insurance (over 60%). Zetta Insurance is the winner of the 'People's Rating' (banki.ru) in 2018 (for the 3rd year in a row) – for the quality of service and the level of insurance services provided.
The amount of payments at the end of 2018 amounted to about 1.67 billion rubles. with a bounce rate of 4.31%. The financial reliability of the company was confirmed at the A + level (rather high). In March 2018, the organization became the owner of a license that gives the right to insure closed facilities and military-industrial enterprises.
The last participant in our rating, but far from the last in terms of reliability and loyalty to their customers. LLC with an authorized capital of 5.4 billion rubles. has been operating in the insurance market for a quarter of a century. It is part of a large financial and industrial holding. The company consistently shows high results in terms of the volume of compulsory motor third party liability insurance – 6th place in the country.
The organization is represented in all federal districts of Russia: 55 representative offices of the insurer function there. The lion's share of the insurance portfolio is car insurance (almost 70%). As of summer 2018, the rating agency gave a positive outlook, and the rating was raised from satisfactory to stable (BBB +). The amount of payments at the end of 2018 – 12.4 billion rubles. At the same time, the share of refusals is only 0.26%. LLC “Consent” provides an opportunity to pay for the policy online. The design of the 'Green Card' is available – in case of road trips outside the country.
Attention! This rating is subjective and does not constitute an advertisement and does not serve as a purchase guide. Before buying, you need to consult with a specialist.