10 best CASCO insurance companies

TOP 10 best Casco insurance companies

10 Ingosstrakh

The company has been on the market since 1947 and during this time has managed to conquer both the national insurance expanses and foreign ones. It is one of the largest and best among domestic organizations. The credit rating agency has given Ingosstrakh a ruAAA rating, the highest possible rating. The company has practically no chance of bankruptcy, it will stay on the market for a long time. We cannot but rejoice at the company's payout rate - it is 48.6%, which is a high level for insurance organizations.

When purchasing CASCO, an extensive system of discounts is provided, which will make payments much more pleasant for the wallet. For example, if you switch to Ingosstrakh from another company, you can count on a 20% discount. The system is also beneficial for those who prolong their relationship with the organization. If you have not had an accident during the previous policy, then the company will provide a 20% discount upon renewal. However, many complain about not the most friendly service - the company tries to avoid fulfilling its obligations, and in the case when this fails, it greatly delays the deadlines.

9 SOGAZ

SOGAZ is one of the largest insurance companies in Russia. The financial position is confirmed by the assessment of the national scale - ruAAA, which means the highest possible indicator of financial stability and creditworthiness. So you can not be afraid that the company suddenly does not have enough money. In the official ratings, it traditionally stays in the TOP-5 due to excellent performance. The lowest percentage of refusals in the rating of 0.03% with an excellent level of payments of 48% allows you to entrust SOGAZ with your car insurance.

The initial cost of CASCO is determined through a special calculator - the calculation can be done independently on the website. Additional insurance conditions are taken into account already at registration. The main convenience is that you can independently choose the necessary services from those offered. The organization pleases with adequate prices and discounts. However, when settling insured events, it does not always meet the needs of the client and delays the deadlines. But judging by the statistics, he still prefers to resolve cases peacefully without trial.

8 Rosgosstrakh

The largest and oldest insurance company in Russia, which provides a high level of insurance reliability. Confidently keeps in the TOP-10 of the best companies in terms of reviews, responsibility and convenience. In 2021, she received the ruAA rating, which is only slightly below the highest level. Rosgosstrakh has a high payout rate of 44.3%, which is almost the highest number in our rating. Even 6.9% of refusals to pay are not embarrassing, since only 0.26% of them went to court.

Rosgosstrakh offers several CASCO insurance programs that are suitable for both novice and experienced drivers. There are five options in total: “Nothing Extra” and “Anti-Crisis Offer” for beginners who offer high-quality protection, as well as “50/50 Economy” and “Accident Protection” for pros who want to insure against unforeseen situations. The organization does not have the best reputation and in recent years it has been trying to rehabilitate itself in the eyes of customers, however, problems with payments and delays in terms still occur, although not so often.

7 Renaissance Insurance

"Renaissance Insurance" can rightfully be considered one of the most advanced companies. The company's online services (Personal Account and mobile application) are so convenient that it is the leader in selling insurance online. In addition, this does not prevent her from being one of the largest insurance companies in the market. The company's assessment on the national scale is ruAA. The statistics are also pleasing: the payout rate of 53% and the number of refusals in the amount of 0.38% of all applications allow the company to be one of the most reliable.

Initially, the organization offers a basic package, which includes what the client chooses. There is an opportunity to save money with careful driving, reducing the list of risks, etc. In the reviews, customers praise the organization for its convenience - it is easy to issue documents online, plus it will take a minimum of time. Reviews are conflicting. Some were satisfied with the quick repair and the amount of compensation, while others complain about not the most customer-oriented service and lengthy deadlines.

6 Tinkoff Insurance

The company "Tinkoff Insurance" appeared on the Russian market of insurance services relatively recently. However, already this year, the Expert RA agency raised the organization's reliability indicator to ruA-, which clearly indicates success and stable growth. In general, the organization is significantly inferior to the leaders of the rating both in terms of payments and the percentage of claims, however, it is the favorite of the popular vote.

Customers are impressed by the high level of service, convenient system of work and excellent support service. You can issue an OSAGO or CASCO policy on the website in just a few minutes. If you have an accident, the company will call a tow truck and an emergency commissioner for free, and then you will be offered payments or repairs at trusted service stations - choose the nearest one and adjust the car. Calls are accepted 24/7 and quickly give out the necessary information. Unfortunately, there were some shortcomings - many complain that the organization may refuse to issue or extend CASCO without explaining the reason.

5 Agreement

Soglasie Insurance Company boasts the highest level of payments in the rating - it amounted to 63%. This clearly confirms that the organization satisfies most of the requests and regularly pays compensation to customers after an accident. The failure rate is not high - only 1.76%. When it comes to CASCO insurance, the company offers a variety of options for new and used vehicles under the age of 20 so that you can choose the most advantageous program based on your wishes.

The company pleases with excellent conditions for cooperation and cares about the convenience of the client. With the ImmediateService program, you will be immediately sent to the workshop from the scene of the accident without visiting the office. You can choose a service station yourself from the established list. Some minor damage will be fixed even without collecting additional documents. Judging by the reviews, repairs are carried out with high quality, compensation is paid worthy. However, they don’t like to hurry with the fulfillment of obligations, and the main complaint of clients is that the deadlines are too long.

4 Zetta Insurance

Zetta Insurance has been operating on the Russian market since 1993 and has been rated ruA+ on the national scale, which means “stable and developing”. The company takes full advantage of this prospect. It does not have the highest level of insurance payments - only 39.5%, but the convenience and quality of service make it comfortable and profitable, especially given the active development of the company. Auto insurance occupies a key place in the activity - it accounts for 62.5% of all the company's affairs. Therefore, the firm in this business may be more experienced than the larger "universal" competitors.

The CASCO policy is based on the base rate. The client himself chooses whether he wants to protect the machine from everything or only from the most common situations. Also, the price can be brought down by careful driving by 50%, which is a pretty nice bonus. The level of service is at its best - documents are processed quickly, with deadlines not delayed. I am glad that the amount of compensation almost always covers real losses.Problems arise only with the site: it does not always display information correctly, gives errors and does not allow you to make changes to existing documents.

3 Sovcombank Insurance

The former "Liberty Insurance" in terms of insurance fees occupies a confident place in the middle. The main direction of work is CASCO and OSAGO. They are the ones that bring the most revenue to the company at the end of the year. The company was highly rated on the national scale: ruAA. This is almost the highest mark with the prospect of scoring the maximum. But in any case, this means that the company is creditworthy and financially sound, so it will definitely pay out the insurance. A small percentage of failures (0.4%) with a payout rate of 48.8% inspires confidence.

CASCO conditions from Sovcombank Insurance are recognized as one of the most favorable in terms of price-quality ratio. It is easy to calculate the final cost using a convenient calculator, which takes into account not only the parameters of the car, but also the history of the driver: his age and experience. This is what allows you to choose a more optimal offer. Also for those who want cheaper options, there are "MiniKASKO", "MicroKASKO" and "CyberKASKO". In general, the service is not bad, but the terms are sometimes very delayed, which is a big minus.

2 Yugoria

Yugoria is recognized as No. 1 in terms of the quality of claims settlement and offers excellent compensation for OSAGO and CASCO. According to customer reviews, the funds are almost always enough for a complete restoration of the car, complaints about the understatement of payments are relatively less common than with other companies.However, if instead of money the insurance company offers repairs, then you shouldn’t worry either - you yourself choose where to drive the car away: to the workshop of an official dealer or to a universal service station.

There are more than enough insurance programs: there are policies that cover all possible expenses, there is an option for experienced drivers with a discount of up to 70%, there are truncated offers that protect against certain risks. Just choose the best solution on the site and issue a CASCO policy - judging by the reviews, it will take only a few minutes. If problems arise, support specialists will answer all questions. However, there were some shortcomings - the organization is often in no hurry to fulfill its obligations and delays the deadlines.

1 AlphaInsurance

AlfaStrakhovanie provides more than 200 insurance products and honestly takes the place of one of the best companies in this field. According to the national agency Expert RA, in 2021 the company received the maximum level of reliability - ruAAA. On the other hand, in the reviews, the company is also always evaluated positively. The level of public confidence in her is quite high. As with all insurance companies, in order to determine the exact cost of CASCO, it is necessary to carry out a calculation in a special calculator.

The organization offers extended programs that cover all possible expenses, and MiniCASCO insurance with a truncated set of risks. There is an opportunity to save a lot: AlfaStrakhovanie accrues a 5% cashback to careful drivers who did not get into an accident during the period of the contract.Experienced car owners who have never been responsible for an accident can count on a discount of up to 40%. However, the company is in no hurry to fulfill its obligations, and many customers complain that they have to wait several weeks for payments or repairs even with minor damage.

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