The most reliable insurance companies: rating according to the Central Bank. Rating of insurance companies Rating of reliability of insurance companies

A mistake in choosing an insurance company can result in long legal proceedings, wasted money and time if you apply for payments as a result of an accident. Considering the cost of insurance (especially if you need to insure new car), the occurrence of such problems can become more than an annoying misunderstanding.

That is why, when choosing an insurance company to take out a policy, it is worth familiarizing yourself with the ratings compiled by leading rating agencies and drawing appropriate conclusions based on the information received.

The leading rating agency that compiles a list of insurers based on their reliability indicator is Expert RA, whose specialists have been assessing insurance companies since 1997. When forming ratings, they take into account the predicted probability of the insurer fulfilling its obligations, as well as indicators of its solvency, market position and direction of its development in the long term.

• Collection of primary information provided by the insurance company: questionnaires filled out by representatives of the insurer, audit reports, internal documentation, some types of reporting.
• Interviewing employees of the organization.
• Analysis of the information received and preliminary assessment.

After preparing a preliminary conclusion, it is submitted for consideration to a representative of the insurance company: if he agrees with the verdict rendered by the agency, information about the study is published in official sources and the company takes its place in the agency’s rating. Otherwise, the parties sign a non-disclosure agreement and information obtained during the analysis of the collected information is not disclosed to the public.

Rating of insurance companies by reliability according to CASCO

According to Expert RA, the list of insurance companies with the highest percentage of payments under CASCO includes:

• Ingosstrakh;
• Transneft;
• VTB Insurance;
• Alliance;
• AlfaStrakhovanie;
• Renaissance Insurance;
• Uralsib;
• Energy guarantor.

According to experts from the Federal Center for Policyholder Support, using data official statistics, presented by the Central Bank of Russia, the Ministry of Internal Affairs and other government departments, p The ranking of the most reliable companies is as follows:

• Rosgosstrakh;
• RESO-Garantiya;
• Ingosstrakh;
• AlfaStrakhovanie;
• Agreement;
• Ergorus;
• Uralsib;
• SOGAZ.

• Rosgosstrakh;
• RESO-Garantiya;
• SOGAZ;
• Electrogarant;
• Bean Insurance;
• Yugoria.

Depending on the methodology used in calculating the rating of a particular insurance organization, its place in the TOP generated by the rating agency changes. When choosing an insurer to purchase a CASCO policy, you should familiarize yourself with the ratings presented by different organizations and choose the one that is present in each of them and is also characterized by positive customer reviews.

Such companies include:

Ingosstrakh

The company has been operating since 1947, over the past 11 years it has consistently been among the top ten most reliable insurance companies, provides a full range of insurance services and fulfills its obligations even when insured events arise that require the payment of a huge amount of money.

SOGAZ

The company was founded in 1993 and is a subsidiary of one of the largest Russian monopolists - Gazprom. It has several divisions, each of which specializes in a certain type of insurance.

RESO-Garantiya

The company was founded in 1991 and today has about 800 branches in all regions of the country. At the end of 2015, it took third place in terms of the volume of collected insurance premiums.

VSK

The company has been operating since 1992. Currently it provides services for more than 100 types of insurance. For the first time rated A++ (Exclusively high level reliability) received from the Expert RA agency in 2002 and since then has regularly confirmed it.

Rosgosstrakh

The company was founded in 1992 and is currently the largest insurance organization in Russia. According to rating agencies Expert RA and National Rating Agency, the company has the highest reliability ratings (A++ and AAA).

Having analyzed the ratings assigned to the selected insurance company by the country's leading rating agencies, we can draw a conclusion about how appropriate it is to conclude an insurance contract with this particular organization. Besides, preliminary analysis will make it possible to find out what is the likelihood that upon the occurrence of an insured event, the compensation due will be paid to the policyholder in full.

Almost every driver wants to buy compulsory insurance at a low price. There are many offers - here for 7,000 rubles, Tamza for 8,000, and here for 1,500. What is the reason for this difference, and is it worth paying more? Which company is better to apply for compulsory motor liability insurance?

Variation in prices among insurance companies

Cost difference compulsory insurance for different insurers it is approximately 20% and it is associated with the use of a price corridor. That is, they are allowed to make calculations in the range from the minimum basic tariff to the maximum. On passenger cars– this is 3432 rubles. and 4118 rub. respectively.

Also, the cost of the policy depends on the driver’s age, length of service, type of vehicle and engine power, region of residence, etc. For example, insurance will cost more for a young driver than for an experienced one. And it’s cheaper for a resident of Moscow than for a citizen registered in St. Petersburg.

But if in the same locality under the same conditions (age, length of service, car, etc.) prices from insurers are different, choose a cheaper option. The high cost is associated with the calculation at the maximum tariff, rarely with the inclusion of additional services. You can refuse them; this is a purely voluntary matter. The insurer must fulfill the obligations in both cases to the required extent.

Basic rates are set at the state level, and insurance agents do not have the right to overestimate or underestimate them. Therefore, the price is 1500 rubles. for car insurance - a clear sign of counterfeit. By purchasing it, the car owner risks having to pay damages to the injured party himself if an accident occurs through his fault. It is almost impossible to obtain an insurance payment under such insurance.

So which company is better to apply for compulsory motor liability insurance? A reliable one that can fulfill its obligations to the required extent and on time.

The most reliable insurers in Russia, or where is the best place to buy OSAGO?

There are many honest and decent insurers in our country, but the top five include:

AlfaInsurance

Image 1: AlfaInsurance logo.

Image 1: AlfaInsurance logo.

One of the biggest Russian insurers, offering more than 100 insurance products for private and legal entities. It has over 270 regional offices. It is among the top ten insurers. It is popular due to favorable prices for compulsory motor insurance.

Reso-Garantiya

The company offers more than 100 types of insurance services. It has over 850 branches throughout the country. It is famous for its very fast payment processing.

Ingosstrakh

The company was founded in the Soviet Union. Has more than 80 branches. It is possible to issue a policy through a mobile application.

VSK

It has more than 600 branches throughout the country. Reimburses losses within 5 days.

Rosgosstrakh

The group's clients include more than 26 million Russians. Has more than 3000 branches.

There are good and bad reviews about every company online. Some people complain about the imposition of additional services, others are not satisfied with the terms of compensation for damage, etc. But others, on the contrary, liked the speed of service, the cost of the policy, the possibility of obtaining insurance in online mode etc.

They help you decide where it is best to apply for compulsory motor liability insurance. Use our service, compare the results and choose the best option.

A brief comparison of the top five insurers

Which company is better for compulsory motor liability insurance? Reliability research is carried out by rating agencies. The most popular in Russia is “Expert RT”.

To assess the insurer's activities, the following is taken into account:

1. Reliability.
2. Amount of authorized capital.

Anything can happen on the road. Even an experienced driver cannot be sure that he will not get into an accident in the next few weeks. Or it won't even be his culprit. Therefore, it is necessary to have a compulsory motor liability insurance policy - this will allow you to cover the damage caused at the expense of the insurance company.

The cost of an MTPL policy is regulated by law and cannot be cheaper or more expensive than a certain amount. Each category of transport has its own base rate, and the final price of the policy is calculated using a single formula. The cost of insurance companies, in turn, depends on the additional services that it offers the client. However, the list of additional packages is also small, and it is not necessary to sign up for them.

To make your choice easier, we suggest that you familiarize yourself with the rating of the best MTPL insurance companies. The material was compiled taking into account user reviews and top reviews from professional analysts. Descriptions of additional services and features are also included. All companies also provide electronic MTPL, so you don't have to go to the office. But you can, if it’s more convenient.

TOP 10 best MTPL insurance companies

10 Liberty Insurance

24/7 support and onsite visits
Rating (2019): 4.1

The rating is opened by not the most famous insurance company, but one that is capable of providing an excellent level of service. Liberty Insurance's financial reliability rating was fixed at ruAA+ according to the national scale of the rating agency RAEX, which confirms the stability of the company. The company has a high payout rate of 49%. In reviews, many clients praise her for her loyalty to OSAGO owners and, oddly enough, generosity. Sometimes Liberty pays out more than what experts estimate.

The refusal rate is slightly higher than that of other insurers – 7.27%. So you should be more careful in the matter of paperwork and care when claiming damage. Liberty promises maximum comfort when taking out a policy with her. The company is ready to provide not only MTPL services, but also additional opportunities. For example, a 24-hour call to an emergency commissioner or all possible legal assistance if necessary.

9 SOGAZ

Minimum Failure Level
Rating (2019): 4.2

The company has best rating according to the national scale - ruAAA, can be compared with the leaders of our top. Its level of development is assessed as stable – no negative changes in the situation are planned in the near future. Reviews from real clients are quite contradictory - not everyone likes the speed and level of service. But there are also many positive aspects - the company solves problems quickly and efficiently.

Undoubtedly, we are pleased with the very high level of insurance claims – 68%. Therefore, there is no doubt that the money will be paid in the required amount, especially taking into account the minimum percentage of refusals. 0.44% of all transactions in the last year were sent to court reporting period. Only 0.92% of customer applications were completely denied payments, which is very small. These damage recovery statistics are encouraging - you can be almost 100% sure that the costs of repairing and restoring your car will be reimbursed.

8 VSK Insurance House

Short payment start period
Rating (2019): 4.3

The former Military Insurance Company did not betray the iron discipline and responsibility due to its rank. VSK has very few failures - only 1.65%, almost the highest low level in our rating. The payout level is average – 41%. With a reliability rating of ruAA (slightly worse than the most stable, but without a threat of decline), this gives hope that the stability of the company will not be shaken over the coming years. Moreover, there are serious prospects for growth. So you can safely choose VSK as a long-term insurance company.

Saves the discount for accident-free driving during a year. It guarantees that the reimbursement process will begin five days after the application, which is quite fast. Other companies may not address the issue for a week or more. Promotions are periodically held to coincide with significant events in the country. And with these promotions you can get a good discount. Customer reviews are contradictory - depending on the region and branch, the level of service varies from average to very good. For residents of Moscow and the Moscow region there is a 10% discount on registration of compulsory motor liability insurance.

7 Zetta Insurance

European quality of service
Rating (2019): 4.4

The former Zurich insurance company provides a European level of customer interaction and ease of use. It is not included in the TOP 10 market leaders according to the Central Bank of Russia, but compensates for this with quality of service. It has a national scale rating of ruA+ (moderately high creditworthiness) with bright development prospects. Therefore, you don’t have to worry about its stability - the company is quite reliable.

The company promises payments in a short time after an accident, and not within 20 days, like other insurers. And you don’t need a lot of documents for registration - a passport, PTS and driver's license. The level of payments is not the highest, but tolerable – 39%. The good news is that Zetta practically does not refuse payments to its clients: the company’s refusal rate is only 1.4%. Every year the company becomes better and more convenient. And in the reviews, clients note that progress is noticeable. Zetta is truly a pleasure to work with.

6 Consent

An actively developing insurance company with excellent prospects. So far it has a rating of ruBBB+, which means a high, but not ideal level of creditworthiness, as well as some dependence on the country’s economy. But he actively strives to get the highest score from professional analysts. The insurance company is pleased with the good level of insurance payments - 56%. "Consent" compensates for damages in all insured events. It doesn’t matter how many times the car has been involved in an accident over the past year, this will not affect payments. It’s just that in this case the policy will be more expensive in the future. Those who drive without accidents can count on great discounts to renew the company's policy. The company has very few refusals to pay, which is encouraging: their share of the total amounted to only 1.45%.

The company has an excellent mobile application that allows you to manage your insurance and receive all the necessary information via your smartphone. Now you won’t be able to forget when your MTPL policy expires. In addition, almost all issues related to insurance, damage, and so on can be resolved online. Excellent technical support will respond to your request within an hour, you won’t have to wait long.

5 Renaissance Insurance

Convenient receipt of an MTPL policy
Rating (2019): 4.6

Company with good reviews clients, a stable position and a well-known name. Part of the Renaissance Group, which has everything from banks to life insurance. An excellent level of reliability ruAA- (slightly lower than that of the leaders, but excellent on average) predicts a stable position of the insurance company in the market. In addition, the company has something to strive for, so every year it becomes better and more profitable. Support service managers work around the clock and are ready to advise the client at any time.

Renaissance strives to fulfill all its obligations and does not refuse them again. The rate of refusals to pay is low - only 2.86% of all applications to the insurance company with a downward trend. The company provides a fairly high volume of insurance payments for its level - 52%. So you can trust the company to insure the damage. In case of an error when filling out an electronic policy, it is not necessary to terminate the contract and do it all over again. Service "My electronic policy OSAGO" allows you to make changes directly on the site and not worry about anything. I’m glad that you can order a policy online, but you will receive a regular document - Renaissance will send a courier, and he will transfer the MTPL to the owner within the next 24 hours to any place. You can also pay upon receipt.

4 Rosgosstrakh

Largest insurance company
Rating (2019): 4.7

Rosgosstrakh is considered the largest and most successful insurance company in Russia. One of the oldest companies in the country pleased us with a pleasant share of insurance payments - as much as 64%. The company's rating in 2019 was raised to ruAA-, which signals: the company is actively developing and will definitely provide reliable insurance. On Russian market the company has 15 years of experience. Rosgosstrakh is the most affordable insurance company. It has hundreds of offices in most cities of the country, so anyone can apply for services. And those who are too lazy to go to the company’s branch can easily submit an application for E-OSAGO directly on the website.

Rosgosstrakh's share of influence on the market has decreased - during the last reporting period, only 12.6% of all insurance cases in the country were settled, whereas previously this figure reached 26%. Unfortunately, the company previously had problems with payment of damages and other services. Therefore, the company’s reputation is tarnished, as evidenced by customer reviews. Now Rosgosstrakh has corrected itself, but it is still viewed with distrust. The percentage of payment refusals is quite low, but not ideal - 3.98%.

3 AlfaStrakhovanie

Best customer reviews
Rating (2019): 4.7

This company opens the TOP 3 most profitable and convenient MTPL insurance companies. It has been fighting for leadership in the insurance market for more than 20 years with varying success and has not left the TOP 10 for the last few years. Received a ruAA+ rating from professional analytical agencies, which is only slightly different from the highest score. AlfaStrakhovanie boasts excellent reviews - clients consider the company one of the best on the Russian market.

AlfaStrakhovanie's level of payments is acceptable - the company provides compensation in the amount of 41%. The share of refusals to pay is minimal - only 1.1% of all claims for damages. Has a convenient DSAGO policy for additional protection. It’s easy to customize it for yourself when you design it directly. The advantage of AlfaStrakhovanie is its excellent Personal Account - it is very convenient to manage your insurance through it. If something is not clear, technical support quickly and professionally processes requests and literally “chews” the information.

2 RESO-Garantiya

An insurance company with a convenient range of service packages. In reviews the company is noted as reliable and responsible. The same is confirmed by its rating from professionals - ruAA+, which is almost the best rating. This means that the company definitely has enough money for more than one year in advance, and it does not stand still. Therefore, RESO-Garantiya corresponds to the name and pays damages without problems. Reliability is confirmed by a rather low failure rate - only 2.32% with a downward trend. RESO-Garantiya maintains a decent level of payments, not dropping it below 49%.

Among the advantages of RESO-Garantia we can highlight additional opportunity for car owners with compulsory motor liability insurance from this insurance company - a DGO policy. This voluntary insurance, which allows you to compensate up to 100% of losses in the event of an accident, without taking into account wear and tear of parts. This also includes the opportunity to purchase services " Ambulance", "Road assistance" and "Emergency commissioner". A technical support service with advice on road accidents is available 24/7. It’s nice that the loss settlement service does not have weekends or holidays - you can apply for your money at any convenient time.

1 Ingosstrakh

One of the best insurance companies in Russia, dealing with almost everything. Including MTPL. The company's reliability rating is ruAAA, the highest possible. I am glad that Ingosstrakh is trying to pay for damages without delays or problems - the level of payments remains at 48% and is growing. However, recently the percentage of refusals has increased slightly - to 7.66%. However, this is not much and says little about the negative experience with the company. Almost always, you don’t even need to go to court to receive full compensation for losses incurred as a result of an accident - only 1.11% of applicants filed a claim for compensation through the court.

The advantage of Ingosstrakh is that it openly offers additional services and does not hide them in the contract. All possible “extras” are spelled out, and the client decides whether he needs them. Among the additional packages there are very useful ones. For example, DSAGO is a voluntary insurance that can cover the difference between accrued payments and actual damage. But it is issued together with CASCO insurance and not in all regions of Russia. For cars up to 5 years old it is possible to buy additional package“Autoprotection” services, which will allow you not to take into account the service life of parts when repairing under an insurance policy, compensating for reduced payments for wear and tear. In addition, together with OSAGO, Ingosstrakh often offers the “Maintenance Guarantee” service, which allows you to reimburse the price of breakdowns discovered during the inspection process. But it is only available for passenger cars aged from one to 10 years.

The CASCO agreement is one of the expensive products offered by the insurance company. That is why you should approach the choice of an insurer extremely responsibly. Before registration, you should study the rating of insurance companies for CASCO and only after that make a calculation.

HWhat is an insurer rating and why is it needed?

On the territory of the Russian Federation, the Expert RA agency is recognized as the leader in valuation activities. It is according to his assessment that data on insurance organizations are published on many leading websites.

As for the need for a comprehensive rating of insurance companies, insured motorists need it in order to choose a reliable company that is guaranteed to pay money when an insured event occurs. Thanks to the rating, the client will be able to immediately assess the status of the insurer in the market and its stability.

Important! There are several ratings, not only official, but also popular. Experienced experts advise carefully studying all the information and only then drawing a conclusion. You should never rush, much less make your choice based on the principle of which contract is cheaper.

• will evaluate the financial performance of the organization;
• study all the necessary accounting documentation;
• look at the insurance portfolio as a percentage;
• check the liquidity of assets;
• check how developed the branch network is;
• evaluate the quality of insurance payments (term and amount);
• communicate with the company management;
• look at the voluntary liability insurance rating for the past year;
• will process the received data and make a decision.

The insurance company may challenge the audit results or prevent them from being publicly available.

Rating of insurance companies by reliability

1. A++ is the highest level of reliability that can be assigned to a financial company. Such a company values ​​each client, responsibly fulfills its obligations and maintains a stable position in the market, regardless of the economic situation of the country.
2. A+ is a very high indicator, which indicates that the organization is stable and is guaranteed to fulfill its obligations.
3. A - just tall. Such organizations, in most cases, are dependent on macroeconomic indicators.
4. B++ is acceptable, which is given to companies with minor financial difficulties. You can entrust insurance to such a company, but you must be prepared for the fact that receiving compensation will be problematic.
5. B+ - sufficient, which is typical for an organization that is experiencing serious financial problems and the likelihood of not fulfilling its obligations is very high.
6. B – satisfactory, which reflects the instability of the company and great financial difficulties.
7. C++ - very low. In practice, such market participants delay payments or make them with a large understatement of the amount.
8. C+ is very low, which is not even worth paying attention to. They plan to take away the license from these companies because they regularly violate the terms of the contract and do not fulfill their obligations to clients.
9. D – technical, means that the company has been declared bankrupt.
10. E is for bankruptcy. Such an insurance organization, of course, cannot offer voluntary insurance products to clients.

List of insurance companies by reliability with an A++ rating:

• Agreement;
• Renaissance;
• Ingosstrakh;
• SOGAZ;
• Alfa insurance;
• Liberty.

Rating for insurance payments

Since, as part of a voluntary insurance policy, the company undertakes to pay for the risk of damage and theft, regardless of whose fault the insured event occurred, special attention should be paid to the rating of insurance companies for CASCO payments.

It is this indicator that reflects how quickly the insurance organization makes payments and in what volume. Statistics are also prepared by the Expert RA agency and published in the public domain at the end of the year.

1. Alliance – 110%;
2. Geopolis – 105%;
3. UralSib and MAKS – 92%;
4. Yugoria – 73%;
5. Agreement – ​​72%;
6. Liberty and Ingosstrakh – 56%;
7. SOGAZ – 53%;
8. Rosgosstrakh – 52%;
9. VSK - 45%;
10. VTB – 29%.

The higher the percentage, the faster and in full financial institution makes a compensation payment upon the occurrence of an insured event. This is the kind of company you can trust to voluntarily protect your car.

When choosing a company with an indicator of less than 50%, you must be prepared for the fact that the payment will be delayed and its size will be significantly underestimated. In this case, all that remains is to waste your personal time and go to court with a claim. To prevent this from happening, it is worth spending a little time and studying statistics in all areas, for each insurance organization.

People's rating

The people's CASCO insurance rating is a relative value that depends on the consumer himself and his opinion. In this case, special agencies carefully study the reviews that clients leave on the World Wide Web.

It's no secret that often more negative reviews, rather than positive. At the same time, negative ones are sometimes left not by clients, but by competitors. However, each review is taken into account, resulting in a table of popular rating CASCO insurance.

When compiling a report, specialized agencies take into account:

• Quality of customer service. In this case, the employee’s work is assessed, how politely he communicated with the client, offered the product, explained the nuances of insurance and answered all questions of interest.
• Payment term and amount. At this stage, authorized experts look at the time frame within which the loss adjustment department employees accept applications, how quickly they make payments and in what amount. Of course, at this stage the quality of service is also assessed, how politely the employee communicated with the client and explained what was necessary to receive payment (a package of documents). The percentage of refusals is also taken into account (these are those clients whom the insurer refused for a number of reasons).
• Willingness to compromise. Since situations can be controversial, experts evaluate how loyal companies are to their insured drivers and are willing to seek a compromise in a difficult situation.

Important! This indicator should not be taken as the main one, but rather as a reference for the final decision-making. It is better to trust a thorough check of the insurance company's CASCO rating agency.

List of companies based on popular assessment:

1. Tinkoff;
2. Zetta;
3. Liberty;
4. UralSib;
5. Alpha insurance.

If you look, the Tinkoff insurance company took first place in CASCO reliability, although it does not appear in other reports.

What to do if your insurance doesn't have a rating?

Sometimes a car enthusiast wonders what to do if the insurer has been on the market for a long time, offers profitable terms, but is not included in the reliability rating of insurance companies. In fact, you should not immediately exclude an insurer, since there can be several reasons for the lack of rating.

• Paying for rating insurers is not always affordable for small market participants. Often, a small organization has been present on the market for a long time, regularly performs mandatory work for a small client base, but cannot pay for expensive assessment procedure checks.
• A number of companies work in a narrow direction, with regular corporate clients, and are not interested in large spending and receiving objective assessment their work.
• The organization issues CASCO insurance for inexpensive cars, as a result of which it does not need an objective assessment of all the work.

How to make the right choice

Experienced experts offer all car enthusiasts some tips to help right choice. Before purchasing a voluntary protection form, you should:

• Study the CASCO insurance rating from both special agencies and national ones. All current information is always available on the website of Expert RA and the Central Bank.
• Check if the organization has a license for voluntary insurance. Often, insurers try to sell a contract at a retroactive discount.
• Of course, it's always a good idea to check reviews. Since there are many unrealistic reviews on the Internet, it is better to ask for opinions from friends and acquaintances who have already used the company’s products and may have received compensation.
• See how much profit the insurer made in the last quarter.
• Research the organization's partners. All information must be published on the website. The more large partners there are, the higher the reliability of the company under CASCO.

To summarize, it is important to note that every motorist, before applying for CASCO, should carefully study the ratings of insurance companies for car insurance. All year-end indicators are published on specialized websites and are available for study free of charge.

We also invite all readers of the portal to take advantage of the advice of an experienced expert who will tell you which company to make a purchase from or answer any other question on the topic of insurance.

You can find out the cost of CASCO insurance for your car from insurance companies and apply online using this calculator:

Every day the number of car owners resorting to insuring their vehicles under the CASCO program is increasing. Some do this out of necessity (when buying a car on credit, this procedure is mandatory), others - wanting to protect their car as much as possible from all sorts of risks. But, regardless of the reason for purchasing a policy, everyone is only interested in where it is better to get CASCO insurance in 2020.

First of all, it should be noted that you should not be inclined to choose “penny” products from insurers unknown to anyone. Most likely, they will simply collect insurance premiums from a few dozen clients and “close their shop” by declaring bankruptcy. Then, in the event of an insured event, the car owner will simply have nowhere to turn for compensation for damage.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

To prevent the above situations from arising and to make it easier for potential clients of insurance companies to decide where it is better to insure under CASCO insurance in 2020, the following table should be presented. It lists the top 20 insurers that have proven themselves to be the best.

Here you can study information about the number of refusals to compensate for damages:

But you should not rely only on this rating; it is better to make your own list of the best insurers, relying on the opinions of friends and family, reading reviews on the World Wide Web, etc. By doing this, each potential client will be able to find exactly the offer that will satisfy him in to a greater extent.

Possible flaws in programs

Unfortunately, even the most reliable company can use various tricks in order to save their funds as much as possible. The most common of them is . It can be conditional, unconditional and conditionally unconditional. Its goal is to reduce the cost of the policy. Yes, insurance with a deductible will be much cheaper, but then even if insured events occur, you should not hope to receive large sums.

The second trick of insurance companies is the so-called aggregate sum insured. Choosing such an offer will turn out to be completely unprofitable if a repeat insured event occurs.

Example: the car was insured for 700 thousand rubles An insured event occurred, as a result of which the car owner received a compensation payment in the amount of 100 000 rubles If a second insured event occurs, the insured amount will already be equal to 600 thousand rubles

The third point that you should pay attention to when concluding an agreement with an insurance company is whether the wear and tear of the car is taken into account when paying insurance compensation. In other words, the amount of compensation after the damage received will not be enough to purchase new parts, since their cost was paid to the insurers taking into account their wear and tear.

The fourth trick of insurers is restrictions on car storage. Thus, the contracts of some insurance companies indicate that they do not pay compensation for damage and theft of vehicles that were not parked in a guarded parking lot.

And almost always this type of damage occurs outside such places... Then the question arises: is it worth purchasing such a policy at all or is it better to lean toward choosing a more expensive but reliable product?!

Since insurers have many other tricks and tricks in their arsenal, even before signing an agreement with them, you should carefully study all the clauses of the insurance contract. Perhaps there are a bunch of other subtleties hidden there that the insurance agent didn’t bother to talk about. By doing this only in this way, we can hope that if an insured event occurs, the car owner will receive all the deserved insurance payments.

The most correct option would be to choose an organization with class A++, because then the risk of bankruptcy is reduced to zero

Ratings of where it is better to get CASCO insurance in 2020

The rating of the best insurers has already been indicated above. Russian Federation. But they were compiled only on the basis financial indicators, and in the first places there were not companies that had proven themselves to be the best, but those that had large amounts of collected insurance premiums.

This will be followed by ratings compiled by special agencies and based on consumer opinions. It is better to lean towards the lists of the first ones, since they constitute the “top ten” for many different indicators. This means that the reliability of their information is the highest. Thanks to such agency activities, potential policyholders will be able to quickly select an insurance company that is reliable in all respects.

1. Rosgosstrakh.
2. SOGAZ.
3. Ingosstrakh.
4. RESO-Garantiya.
5. AlfaInsurance.
6. Agreement.
7. Renaissance Insurance.
8. VSK Insurance House.
9. Alliance.
10. VTB Insurance.

Popular ratings will mostly tell you how the insurance company will behave in the event of an insured event. Therefore, in this case, insurers with friendly employees and polite attitude towards their clients will be on the first lines.

So, the list of companies in this case is in the following order:

1. Tinkoff insurance.
2. Zetta Insurance.
3. Vnesheconomstrakh.
4. Liberty Insurance.
5. UralSib.
6. AlfaInsurance.
7. RESO-Garantiya.
8. Agreement.
9. Antal-Insurance.
10. MAX.

How can I choose

If you want to buy a CASCO policy, you should first of all find a reliable insurer who will accurately make compensation payments in the event of an insured event. The search for such an insurance company should be done as carefully as possible. After all, there are often cases when a car owner, as a result of an insured event, turns to the place where he purchased the policy and discovers that there is no trace of this company.

To prevent the purchased CASCO policy from instantly turning into a penny piece of paper, you should pay attention to the reliability rating of insurance companies. It is compiled by experts after studying the financial condition of the institution. As a result of their work, each insurance company is assigned its own reliability class.

Their designations are as follows:

Sometimes you can find other markings: E and A++. The first one involves the process of liquidating the insurance company, the second one is the most high class reliability of the insurer.

The list of the most reliable companies is as follows:

1. AlfaInsurance.
2. Alliance.
3. VSK Insurance House.
4. VTB Insurance.
5. ZHASO.
6. Ingosstrakh.
7. Capital.
8. MAX.
9. RESO-Garantiya.
10. Renaissance.
11. Rosgosstrakh.
12. RSHB-Insurance.
13. SOGAZ.
14. Agreement.
15. Transneft.
16. ENERGY GARANT.

What you need to know

According to statistics in the insurance market, the number of CASCO policies sold by insurance companies has decreased significantly. And this is not surprising: not every consumer can afford to buy them today. Therefore, many car owners are forced to refuse this type of additional protection against vehicle risks.

People started talking about a significant increase in the price of CASCO policies this year back in 2020. Then the reason for such judgments were sharp price increases in the field of auto insurance. Many motorists, having calculated the cost of such insurance policies, stated that the CASCO price has increased by approximately 10-20% from the previous cost.

But there is an objective explanation for this price increase:

• Some modern service stations allow payment of the cost of car repairs only in foreign currency, which is very unprofitable for insurers due to the sharp fall of the ruble. And services cannot do otherwise, since they themselves are heavily dependent on imports.
• Insurers have narrowed the list of their offers. It is predicted that the majority of insurers will leave the auto insurance market altogether, since both OSAGO and CASCO are unprofitable areas.
• The number of fraudulent payments has increased. The ongoing crisis in the country is also to blame for this increase.
• The number of vehicle thefts has increased, which promises significant losses for insurance companies. After all, in this case they have to pay the full cost of the insured car.
• The number of sales of new vehicles has decreased.