5 best auto insurance companies in St. Petersburg

The Russian auto insurance market is overcrowded, with companies appearing and disappearing regularly. They lose their licenses, declare themselves bankrupt, run away from the claims of citizens. In order to somehow help clients with the choice of a good organization, several services operate in the country: Expert RA and the National Rating Agency. They rate companies based on their financial performance. This data is the guarantee of reliability.

There are several dozens of organizations in St. Petersburg that have received high scores from agencies. We've rounded up the top 5 based not only on their finances, but also on customer reviews. The procedures of payments upon the occurrence of an insured event, the policy regarding the issuance of policies, and the quality of service were evaluated.

Top 5 best auto insurance companies in St. Petersburg

5 VTB Insurance

Founded in 2000, VTB Insurance is one of the fastest growing organizations in Russia.It is included in the TOP-10 companies of the country in terms of payments for policies and the level of authorized capital. Agency Expert RA assigned her the best reliability rating A++. Foreign Standard & Poor's is not far behind, giving BB ++ - the highest rating among domestic organizations. Here they offer OSAGO and CASCO, the latter has many optimization options. Programs differ in the number of risks and additional options.

Insurance turns out to be profitable at a price, but it is important to carefully read the contract. The fine print contains disclaimers and conditions that make it difficult to receive compensation. Getting through to the call center is problematic, employees do not know the company's services well. They are trying to impose unnecessary options, because of which the organization was sued several times (successfully). As a result, clients receive funds, but the process takes many months.

4 VSK

VSK is one of the largest insurance companies in St. Petersburg, which in 2017 took a place in the TOP-10 companies in terms of the number of policies in the country. It is the leader in OSAGO sales, accounting for almost 10% of the Russian market. The Expert RA agency confirmed the reliability of the company in 2018 by rating ruAA, giving a forecast of stable growth. Insurance here is purchased by commercial banks, Lukoil, Russian Railways. VSK has won the "Company of the Year" award several times.

Despite the developed network of offices in St. Petersburg, customers complain about the slow response to requests. They warn that auto insurance for vehicles older than 8 years is almost impossible, employees are looking for reasons for refusal.The cost calculator on the site shows low amounts that do not match the real ones. There is feedback, but it does not work well. The staff are polite and sociable, although not the most competent. However, the result of expectations is payments, so they return to VSK again.

3 Zetta

Zetta, formerly known as Zurich, appeared in Russia in 1993. Since then, the company has developed partnerships with major banks and car dealers. Received a high reliability rating of A ++, passed inspections for compliance with ISO 9001-2011. This company is known for favorable conditions for issuing CASCO, high quality service, good information support. Only 2 offices are open in St. Petersburg, only 1 deals with insured events.

The reviews praise a wide range of programs with different sets of risks. There is minimal insurance (damage from another driver) and full insurance, including theft and protection of equipment inside the vehicle. Simplified compensation for losses after a small accident, franchise, call a tow truck, round-the-clock support service are available. However, they refuse to issue auto insurance under OSAGO, referring to the order of the main office in Moscow. Problems are solved for a long time, sending from one specialist to another.

2 MAX

MAKS is one of the largest universal insurers in St. Petersburg, giving preference to OSAGO policies.The organization is proud of partnerships with domestic banks (Sberbank of Russia, Alfa-Bank, etc.), which confirm its financial stability. The firm has repeatedly won awards for its contribution to Russian business and effective crisis management. In 2017, the Expert RA agency assigned her the highest reliability rating of A ++.

The reviews write about a large number of additional insurance options, including a competent emergency commissioner. You can get a policy for transport outside of Russia. When issuing CASCO, minor damage is compensated in a simplified manner, and in the event of a complete loss of a car, the calculation is made without reducing the amount for depreciation. However, there is no toll-free number, the problem is not solved by phone or e-mail. There are complaints about rude incompetent employees.

1 ERGO

ERGO is part of one of the largest insurance groups in the world, the Munich Re Group. Under her protection are the finances of the organization, which annually increases its capitalization. ERGO's investments amount to tens of billions of euros, far exceeding domestic firms. No wonder agencies give it the best ratings: Aa3 (perfect) from Moody's, AA- (very good) from S&P, A+ (excellent) from A.M.Best. The company receives most of its income from insurance, with 45% coming from CASCO, 7% from OSAGO.

ERGO was one of the first companies in St. Petersburg to set up online issuance of policies without imposing additional services. In the reviews, polite employees are noted, they write about their competent work.Payments for an insured event are enough for original spare parts. The disadvantages include slow processing and consideration of the case, the hotline often does not work. The company does not respond to letters, you have to visit the office many times.

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ERGO

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VSK

VTB Insurance

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