10 best OSAGO insurance companies

TOP 10 best OSAGO insurance companies

10 Ingosstrakh

A popular insurance company in Russia, dealing with almost everything, including OSAGO. The company's reliability rating is ruAAA, the highest possible. I am glad that Ingosstrakh is trying to pay damages without delay and problems - the level of payments is kept at 48.6% and is growing. The case almost never goes to court and the company boasts the lowest number of lawsuits in the ranking - only 0.08%.

The advantage of Ingosstrakh is that it openly offers additional services and does not hide them in the contract. All possible “dopas” are spoken out, and the client already decides whether he needs them. Among the additional packages there are very useful ones, for example: DSAGO, Auto Protection, Maintenance Guarantee and others. However, there are enough problems here: the terms of reimbursements are sometimes delayed to the point of obscenity, the amounts do not always cover the real damage, and it is often impossible to issue an OSAGO policy on the website or make changes to the current document due to technical errors.

9 VSK insurance house

The former "Military Insurance Company" did not change the iron discipline and responsibility due to her rank. There are very few failures - only 1.03%, almost the lowest level in our rating. With the ruAA reliability rating (slightly worse than the most stable ones, but without the threat of a decline), this gives hope that the firm's stability will not be shaken in the coming years. Moreover, there are serious prospects for growth. So "VSK" can be safely chosen as an insurance company for the long term.

The organization guarantees the start of the refund process five days after the request, which is quite fast - other companies may not deal with the issue for a week or more. Promotions timed to coincide with significant events in the country are periodically held. And you can get a good discount on these promotions. Customer reviews are mixed - depending on the region and branch, the level of service varies from average to good. They also complain about the incorrect operation of the site, where failures often occur during the registration of E-OSAGO.

8 Rosgosstrakh

Rosgosstrakh is considered the largest and most successful insurance company in Russia. One of the oldest firms confidently holds a high indicator of reliability and stability. The company's rating was upgraded to ruAA in 2020 and confirmed in 2021, which signals that the company is actively developing and will definitely provide reliable insurance. Rosgosstrakh has existed on the insurance market for a hundred years, and during this time hundreds of offices have been opened in most cities of the country - anyone can apply for services.And those who are too lazy to go to the office of the company can easily apply for E-OSAGO directly on the website.

Unfortunately, before the organization had problems with payment of damages and other services. Therefore, the reputation is tarnished, as evidenced by customer reviews. Now Rosgosstrakh is trying to improve, but it is still treated with distrust. However, many notice that over the past 2 years the quality of service has increased, and the company's policy has become more loyal, which is confirmed by the significantly reduced number of claims to 0.26%. Compared to the statistics of 2019, when this figure was 3.98%, this is a significant increase.

7 Renaissance Insurance

A company with good customer reviews, a stable position and a well-known name. It is part of the Renaissance Group, which has everything from banks to life insurance. In 2021, it increased the reliability level to ruAA, which demonstrates the stable position of the insurance company in the market. In addition, the company has something to strive for and it is not surprising that every year it becomes better and more profitable. "Renaissance" tries to fulfill all its obligations and once again does not refuse them.

For convenience, users can use the Personal Account and the mobile application. With their help, you can manage your insurance, make changes to existing documents, check the KBM and choose the best offers. The withdrawal rate is low - only 0.38% of all applications with a downward trend. The company provides a rather high volume of insurance payments for its level - 53%. However, many complain that the fulfillment of obligations is delayed, while the amounts are often underestimated.

6 Agreement

An actively developing insurance company with excellent prospects. Received a ruA+ rating in 2021 and became the leader in terms of payouts, which amounted to 63%. This means that "Consent" indemnifies the damage in almost all insured events. No matter how many times the car has been in an accident in the past year, you will still receive compensation. It's just that the policy will be more expensive in the future. Those who drive without accidents can count on excellent discounts for renewing insurance from the company. There are very few failures, which is good: their share of the total is only 1.76%.

The company has a convenient mobile application that allows you to manage insurance and receive all the necessary information through your smartphone. Now it will not be possible to forget when the OSAGO policy expires. In addition, almost all issues related to insurance, damages, and so on can be resolved online. However, it was not without claims - there are complaints that the company can terminate the contract unilaterally and not even notify about it.

5 Zetta Insurance

The former insurance company Zurich is not included in the TOP-10 market leaders according to the Central Bank of Russia, but compensates for this with the quality of service. Appeals are considered quickly, the support service is ready to answer all questions 24 hours a day, the tariffs for services are more than adequate. National scale rating: ruA+ (moderately high creditworthiness with bright development prospects). Therefore, you do not 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, a PTS and a driver’s license. The level of payments is not the highest, but tolerable - 39.5%. The good news is that Zetta practically does not refuse its customers and satisfies requests, and the share of claims is only 1.06%. At the same time, the amount of compensation here almost always corresponds to the actual damage, and repairs are carried out in good faith. They complain only about the work of the site: it often gives errors and does not allow you to make adjustments.

4 Absolut Insurance

An excellent company with a high level of reliability ruA+. Received a lot of positive feedback and deservedly occupies a high place in the rankings. You can insure anything: car, health, property and even life. Popularity among car owners is primarily due to a loyal attitude towards customers - the conditions and prices are among the best on the market. Each situation is dealt with individually, so you can count on assistance and compensation for losses after an accident.

In addition, unlike most companies, the work of the support service is well-established here: calls are received 24/7, they quickly give out the necessary information, and do not transfer endlessly to other specialists. The payments are decent, although, most often, the organization tries to reimburse the costs of repairs. It is disappointing that the terms are often delayed, but judging by the low proportion of claims - 1%, the company "Absolut Insurance" prefers to resolve cases peacefully without trial.

3 Tinkoff Insurance

For several years, Tinkoff Insurance has been confidently included in the TOP-10 best insurance companies in Russia. In 2021, the Expert RA agency upgraded the organization's reliability rating to ruA-, confirming stable financial growth. However, according to statistics on the level of payments and the percentage of claims, the company is significantly inferior to competitors. At the same time, it is clearly in the lead in terms of the number of positive reviews from car owners.

The company attracts, first of all, with excellent support: specialists promptly answer questions, clearly and to the point, 24 hours a day. In addition, modern services are also pleasing, which allow you to quickly get the service. You don’t need to go to the office to purchase OSAGO: everything can be done online through the website or mobile application – it only takes a couple of minutes. However, services do not always work correctly and failures often occur. In the event of an insured event, you can also send an application remotely by attaching a protocol and photographs from the accident site. Judging by the reviews, payments are credited quickly: in just 5-7 days, the amounts are adequate.

2 Yugoria

Yugoria is one of the best insurance companies in Russia. By the end of 2021, it increased its reliability rating to ruA + and, compared to other organizations, wins in many respects. Here they promptly accept documents, provide round-the-clock support, plus the prices for OSAGO and CASCO are more than acceptable. If you have a long experience and a good driving history, they will offer a discount. Employees know their business "from" and "to", so everything will be solved quickly and competently: whether it is the issuance of a policy or the settlement of issues related to an accident.

However, most of all customers were pleased with the size of payments.Experts fairly adequately assess the damage and accrue worthy compensation. Complaints about the underestimation of amounts are relatively less common than with other firms. But with the timing of pulling and this is a huge minus. Also, customers complain about the incorrect operation of the site, which is why it is almost impossible to issue an E-OSAGO: the service often gives errors and does not allow you to make at least some changes.

1 AlphaInsurance

One of the most profitable and convenient OSAGO insurance companies in our rating. For more than 20 years, with alternate success, it has been fighting for leadership in the insurance market and has not left the TOP-10 for the past few years. In 2021, the Expert RA agency rated the organization ruAAA, confirming stable financial growth and high reliability. AlfaStrakhovanie also boasts excellent reviews - customers consider the company one of the best on the Russian market.

The level of payments is acceptable - the company provides a refund of 53.2%. The percentage of failures is minimal - only 0.13% of all claims for damages. In addition, offers from AlfaStrakhovanie often turn out to be the most profitable and it will be possible to purchase a policy for little money. However, many complain that it is not so easy to issue an OSAGO online: the service often gives errors, incorrectly calculates the KBM, or does not allow you to make changes to an already existing document.

0 Liked the article?

Recommended

5 best auto insurance companies in St. Petersburg

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

10 best CASCO insurance companies

10 best OSAGO insurance companies in Moscow

Top 10 Property Insurance Companies

Top 10 Life Insurance Companies

10 most reliable tour operators in Russia

10 best travel insurance

5 best carsharing in Sochi