10 best insurance companies for OSAGO and CASCO in St. Petersburg

Auto insurance is divided into compulsory and voluntary. OSAGO is a mandatory and rather limited version of liability insurance in case of an accident, so in all companies you will be offered almost the same conditions. But different firms can add bonus services. CASCO is a necessity when you want to protect your car from damage by other road users or theft. There are many offers for such a policy, for example, a full VIP package or, conversely, the most economical offer for insurance only against major damage.

Top 10 CASCO and OSAGO insurance companies in St. Petersburg

10 Tinkoff Insurance

A young company with little history. Its predecessor appeared in 1993, on its basis in 2013 the modern Tinkoff Insurance was born. The firm specializes in retail, so it is more interested in individuals as customers. Another feature is that the company relies on the issuance of policies via the Internet. Voluntary auto insurance appeared among the products in 2014. Tinkoff Insurance is a transparent company, it regularly posts reports on the official website. Anyone who is interested can get acquainted with it. In May 2021, the company's rating rose from ruBBB+ to ruA-, the development outlook is stable.

When applying for CASCO and OSAGO, the company relies on online applications. Therefore, it does not matter whether you live in St. Petersburg or in some other region. After signing the contract, a package of documents will be delivered to you anywhere in the country. The policy from Tinkoff Insurance has many bonuses: a quick decision on the place of repair, 24/7 consultation, minor repairs are included in the service packages. Reviews the company receives uniformly positive and negative. But the employees of the company always respond to each comment and try to solve the problem in the best way, if any.

9 Yugoria

The Yugoria insurance company has existed since 1993, has an extensive network of representative offices and offices in most regions, including St. Petersburg. It is among the 20 largest insurers in Russia, in the TOP 10 in terms of the number of issued OSAGO and CASCO policies.According to the Expert RA agency, the company's financial strength rating is ruA+, the outlook is stable.

Like most other insurers, Ugoria now offers online registration of OSAGO electronic policies, which is very convenient and profitable. There is also the possibility of a standard design in the office. CASCO in Yugoria is offered in several programs, each of which has its own characteristics. So, "Classic" guarantees the best protection against all risks, "Formula 50+" allows you to pay 50% of the cost of the policy immediately, and the rest only upon the occurrence of an insured event, "Light CASCO" offers a policy at a minimum cost of only 9900 rubles.

8 RESO Guarantee

RESO Garantiya appeared on the market in 1991. During this time, it changed its name and owner several times, but this did not stop it from establishing itself as one of the largest insurance companies. Now RESO Guarantee has more than 100 service packages available. It has offices in Moscow, St. Petersburg, Novosibirsk and twenty other Russian cities. Experts assigned the company a ruAA+ rating, which has not changed since 2017: a high financial position, a stable outlook for the future. In the auto insurance section, RESO Guarantee provides classic CASCO and OSAGO options. In addition, there are several tariffs that will help secure the car and save money.

"RESOauto-Help" - a full range of services. It works like this: you have a problem, you call the insurance company, and they solve the problem. "RESOauto-Gap" - helps owners of cars under the age of 7 years to freeze insurance premiums at the same level as at the time of purchase."Theft" - protection only from theft. "CASCO-Profi" is an economical insurance option, the lowest prices. Alas, the company has a lot of negative reviews: the company is better at communicating by phone than via the Internet. There are many comments that company employees incorrectly enter personal data into the questionnaire, so it is worth checking them. Also see all the nuances of payments and clarify all important questions before signing the contract.

7 VSK

The insurance company first appeared in 1992. It has established itself as a universal insurer, providing an extensive list of insurance services to both legal entities and individuals. VSK Insurance House is consistently included in the list of the largest companies in Russia in terms of insurance packages and premiums. The firm has more than 500 offices throughout the country, including St. Petersburg. More than 30 million people use its services. In 2001, the company received the highest ruAA reliability rating and has maintained it for many years. The prognosis is stable.

The company is ready to provide many of the best options for one service. This did not bypass either CASCO or OSAGO. It offers standard packages, but in addition to them you will find CASCO Compact and CASCO Compact +, which will save 75 and 70% of the total cost of the policy. The "Confident" tariff is intended for those who have no doubts about their driving - it will reduce the price by 30%. VSK provides additional glass insurance services and roadside assistance. There are many reviews about the insurance company, both positive and negative. Each firm answered and the part helped solve the problem.The most common complaint is that correspondence sent by regular mail may not reach the firm, and customers cannot confirm payments.

6 Zetta

The company appeared in 1993, before it was known as SK Zurich. Under the modern name Zetta has been present on the Russian market since 2015. The firm is one of the top ten insurance companies for working with individuals, despite not the largest collections. More than half of the assets and payments account for auto insurance. The main office is located in Moscow, but, in addition to it, there are representative offices in 43 regions of Russia. In recent years, in the auto insurance segment, Zetta has been ranked among the top 15 insurers in terms of claims. Its reliability rating is high with a ruA+ rating. The forecast is expected to be stable.

OSAGO and CASCO policies are easily issued through the website. It also has a version for the visually impaired. The whole system for purchasing service packages is built in such a way that the basic version is taken initially and the necessary changes and details are made further. The calculator on the site calculates the cost of the policy and additional services, and then it remains only to decide whether to draw up a contract or not. According to the reviews, you can see that the majority of customers have a positive attitude towards the activities of the company. Zetta actively responds to all comments and complaints. Negative points in most cases are associated with technical errors on the site.

5 Renaissance Insurance

The company appeared in 1997 and is now in the TOP-10 largest insurance companies in Russia.Renaissance Insurance is a universal insurer. Makes the main bet on the retail sale of services. Therefore, individuals as customers are of much more interest to the company. In the CASCO segment, the company is among the best. There are 20 branches in Russia. Over the past two years, the company's reliability rating has increased, and it has moved to the ruAA- level, now experts have a stable outlook for it.

The firm is widely known in Moscow and St. Petersburg. It is now possible to issue a policy for a car online without visiting the office. There is also an online settlement service that allows you to remotely report an incident. For auto insurance, a standard contract is concluded. The advantage of the offer is that during registration you yourself can make changes to the portfolio, that is, your contract is individually drawn up with the conditions you need. Among the additions is the service of an emergency commissioner: with him you do not have to worry about the correct paperwork and car repairs. Also, you can always count on assistance in car evacuation and glass replacement without providing additional information (1 time during the term of the contract). Renaissance Insurance has a license to issue a green card for trips abroad. In the reviews - uniform indicators of positive and negative comments. The insurance company answers all questions and complaints, promptly solves problems.

4 Alpha Insurance

Alfa Insurance entered the market in 1992. The company has repeatedly been called one of the favorites of customers. The level of communication and friendliness of employees is almost the highest in the country.The firm became the best insurance company in the domestic market. Among the private representatives of the segment, it occupies the highest line of the rating. Alfa Insurance products meet market demands. For example, this company was the first in Russia to create an insurance policy for drone owners. The company's rating is ruAAA: the highest financial reliability, the outlook is positive. Therefore, despite the situation on the market, nothing will happen to Alfa Insurance, as well as to your insurance portfolios.

In St. Petersburg, the company occupies a leading position in the field of car insurance. Among the services are both standard CASCO and OSAGO policies, as well as programs for car owners with different needs. For example, for those who use a car a little, they came up with "Smart CASCO", the cost of which directly depends on the mileage of the car during the year. For any of the selected programs, you can always count on a discount. Minus 10% can be obtained when renewing the policy, minus 15% - when moving from another company and up to minus 40% for those who did not become the culprit of an accident. Reviews about the work of the insurance company are mostly good, although there are also dissatisfied ones, but it is difficult to judge their objectivity.

3 Rosgostrakh

The foundations of the company were born in 1921, but under the name Rosgostrakh, it entered the market in 1992. The company is one of the best in the auto insurance industry. During its work, including in recent years, the company has repeatedly been recognized as one of the best, received prestigious awards and prizes. So, in the fall of 2021, she topped the media rating of insurers, becoming one of the most discussed and frequently mentioned in the media.Rosgosstrakh's reliability rating is ruAA: the company's financial position is stable, the outlook is positive.

In the offices and on the company's website, you can issue both OSAGO and CASCO policies under several standard programs. It is offered by Rosgosstrakh and the Green Card. It makes it possible to drive an insured car abroad. Only now, most companies can issue it only at the central office in Moscow. And Rosgosstrakh is ready to do this in any branch, including St. Petersburg. The most frequent negative reviews relate to the inability to make changes to the finished policy. Therefore, take this into account when drafting documents and carefully double-check each letter. Find out in advance about all the features and upcoming changes.

2 Sogaz

The company appeared in 1993, the main founder is Gazprom. The firm predominantly carries out comprehensive property insurance. But besides it, the list of services includes many other areas. More than once SOGAZ has shown itself to be one of the market leaders in insurance companies. In 2017, it ranked first in direct insurance. The finances and size of insurance portfolios place the firm on the market as one of the largest in the industry. Do not forget that SOGAZ also includes VTB Insurance. The reliability rating of the insurance company is ruAAA: high financial capabilities with a stable outlook. Economic fluctuations have almost no effect on it. In St. Petersburg, residents call SOGAZ a company that really deserves trust.

CASCO and OSAGO policies are offered with standard rates and requirements.Read the terms and conditions carefully, as the promised insurance premium may differ from the actual payment for a variety of reasons. An additional product in the segment is protection against accidents for passengers and drivers in the amount of up to 1.5 million rubles. In the reviews, some customers note that the correct information does not always come through online services, so it’s better to spend a little time and get the most profitable policy at the branch.

1 Ingosstrakh

Insurance company Ingosstrakh appeared in 1947. Since 2004, it has shown itself on the market as one of the confident leaders in the industry. According to financial indicators, the company is in the top three largest insurance companies. Statistics show that Ingosstrakh is the leader in St. Petersburg in providing OSAGO and CASCO services. ruAAA reliability rating – high financial opportunities with a stable outlook for the future. The company offers several options on how to save money. You can get a discount from 5 to 60%.

OSAGO insurance is subject to the same criteria as in other companies. The policy itself can be supplemented with services, avoiding serious financial costs. DSAGO policy, Autoprotection are available for registration. When buying a CASCO policy, several protection options are available. They differ in the list of insured events and payment after incidents. It is possible to get a franchise to save on fees. Repair after an insured event is carried out in auto repair shops, checked by Ingosstrakh experts. Alas, the company collects a lot of negative reviews, but for each there is a company response. Considering how large the number of clients of the company is only in St. Petersburg, there are not so many problems in percentage terms.The main complaints relate to the timing of payments and the documents that are required for them.

Popular vote - which insurance company for OSAGO and CASCO is the best in St. Petersburg?
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Ingosstrakh

SOGAZ

Rosgosstrakh

Alpha Insurance

Renaissance Insurance

Zetta

RESO Guarantee

Ugoria Insurance

Tinkoff Insurance

Total voted: 77

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