As the demand for compulsory auto insurance policies increases, so does the supply from various insurance companies.

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How to choose an insurer in Moscow? How to choose the most suitable insurance conditions for the car owner? How to calculate the cost of the policy yourself and not become a victim of fraudulent companies, read on.

Rating of insurance companies in Moscow in 2019

• the geography of the location of the official representative offices of the insurer on the territory of the Russian Federation);
• the number of clients of the insurance organization with whom real auto insurance contracts have been concluded;
• the amount of the authorized capital. The indicator determines the level of financial stability of the organization;
• the ratio of positive and negative decisions on insurance payments for a specific insurance product;
• popularity of the organization among consumers of a particular insurance product.

Price

The next indicator that determines the choice of an insurance company is the cost of the OSAGO policy.

The cost of car insurance is made up of the base rate and a number of coefficients. The range of basic tariffs has been determined.

At present, the size of the base rate for car insurance is:

The base rate for OSAGO in Moscow in the most popular companies is:

Where can I get OSAGO in Moscow

Many companies provide their clients not only with standard design services, but also special ones, which include:

• the ability to issue a policy in the capital for car owners registered in other regions of the Russian Federation;
• the possibility of delivery of the finished policy by courier service;
• the possibility of round-the-clock registration of car insurance and so on.

For regions

Which companies can individuals contact. Registered in other regions to purchase a compulsory auto insurance policy?

Such services are provided by:

Home delivery

Due to the strong competition between insurance companies, many organizations are introducing a new service - home delivery of an auto insurance policy.

Delivery of the document can be carried out:

• a representative of an insurance company. In most cases, this service is free of charge. However, there are significant nuances, for example, the service will be free at a certain cost of insurance;
• courier service. In this situation, the cost of delivery will depend on the rates of the selected courier company and the distance to the client. On average, the cost of delivery in Moscow is 600 - 1,300 rubles.

In order for it to be possible to deliver a motor third party liability, you must first:

• order a policy on the company's website by selecting the delivery option;
• arrange a meeting with a company employee at a certain place. In this case, the insurance contract will also be concluded at the agreed address.

You can order a car insurance with delivery in Moscow in the following insurance companies:

Around the clock

Currently, it is possible to issue a compulsory car insurance policy online, which allows customers to receive the document necessary for operating a car at any time of the day, including weekends and holidays.

Online registration of a car insurance is carried out according to the following scheme:

1. The client independently chooses a company that provides round-the-clock online car insurance services.
2. On the company's website, a questionnaire is filled out - an application according to which a preliminary calculation of the cost of the policy is made.
3. The completed document is sent to the insurance company, where employees (working around the clock) check the client's data and make the final payment.
4. After verification, the client is informed of the final cost of the policy and the methods of paying the insurance premium.
5. The policyholder independently pays for the policy. To do this, you can also use various payment systems operating online or by a mobile bank.
6. After the funds are received to the insurer's account (as a rule, this operation takes no more than 25 - 30 minutes, depending on the bank), a ready-made document is sent to the insurer's email address. To use electronic OSAGO, the document must first be printed.

Which insurance companies in Moscow provide the opportunity to issue a car insurance policy online around the clock?

Currently, you can contact:

One document at a time

To issue a car insurance for any vehicle, the insurance company must provide a package of documents, which includes:

• civil passport of the policyholder;
• Title or registration certificate for a car;
• driver's license (if the car insurance is issued not for one driver, but with a certain circle of persons allowed to drive, then in addition, copies of the driver's licenses of all persons will be required);
• diagnostic card.

The listed package of documents required for issuing a compulsory auto insurance policy is enshrined at the legislative level and cannot be changed depending on the region of obtaining a car insurance company or an insurance company. Therefore, it is not possible to take out insurance for any one document.

Settlement in the capital

To find the cheapest OSAGO insurance in Moscow, you can do it yourself.

For the calculation, you can use:

• the simplest formula;
• online calculator.

To make a calculation using the formula, you need to know the values ​​of all that affect the cost of the policy.

These include:

• territorial coefficient (CT). For Moscow, this figure is equal to 2, and for car owners registered in the Moscow region - 1.7. Territory coefficient reflects the congestion of roads in a particular region;
• bonus-malus coefficient (Kbm). The parameter value depends on the driver's trouble-free driving. The longer the period spent without road accidents, the lower the value of the coefficient. KBm is determined annually and stored in the PCA database. You can independently determine the value from the table:

  

• parameter, the size of which depends on the power of the vehicle (Km).

  

• coefficient that determines the ratio of the age and experience of drivers (Kvs):

  

• driver number ratio (Co):

  

• an increasing coefficient applied if the driver in the previous insurance period had gross violations of traffic rules or car insurance rules (Кн). If there are no such violations, then the parameter is equal to 1. If there are violations, then the value of the coefficient is 1.5;
• coefficient depending on the seasonality of vehicle use (Kc). Many, especially the elderly, use the car exclusively in the warm season. Under such conditions, it is not advisable to pay for the policy for a whole year:

  

• the coefficient of the validity of the car insurance (Ksd):

  

• coefficient reflecting the possibility of using vehicles with a trailer (Kp):

  

  The formula for self-calculation is as follows:

  St = Bt * Kt * Kbm * Km * Kvs * Ko * Kn * Ks * Ksd * Kp,

  St	the cost of car insurance
  BT	base rate for compulsory motor third party liability insurance applied in an insurance company
  Kt ... Kp	corresponding coefficients

  Only one class 5 driver is allowed to drive, whose age is more than 22 years, and the experience is less than 3 years. Has no gross violations. The basic rate of the company is 4,118 rubles.

  To calculate the example, the following values ​​of the coefficients will be taken:

  CT	2
  Kbm	0,9
  Km	1,4
  Kvs	1,7
  To	1
  Kn	1
  Ks	0,7
  Ksd	1
  Kp	1

  St = 4118 * 2 * 0.9 * 1.4 * 1.7 * 1 * 1 * 0.7 * 1 * 1 = 12 349 rubles 06 kopecks.

  To use the online calculator, you do not need to determine the values ​​of all coefficients yourself. This action will be done automatically when the appropriate data is entered into the program.

  Let's calculate the above example on an online calculator:

  

  Calculation result:

  

  What you need to get a policy

  The process of issuing a car insurance for different types of vehicles is somewhat different from each other. Let's analyze the nuances of buying a policy for taxis, buses and trucks.

  For taxi

  Registration of a motor vehicle for a vehicle that is used for passenger transportation (taxi) has its own nuances:

  • the cost of car insurance increases as the higher base rate is applied for the calculation. The range of the base tariff for a taxi, established by law, is 5138 - 6166 rubles;
    

    Most of the Moscow insurance companies use the maximum rate value, since the number of accidents and, accordingly, insurance payments is higher than in the case of private cars.

  • when making insurance, an additional document is required - a license for transportation.

  For bus

  Auto insurance of buses is practically no different from insurance of other types of vehicles. The only caveat lies in the package of documents required by insurers for car insurance.

  Since most buses belong to legal entities, the set of documents includes:

  • certificate of registration of the enterprise (in some cases, they may additionally require an extract from the register of legal entities);
  • civil passport of the representative;
  • PTS or bus registration certificate;
  • diagnostic card.

  An OSAGO insurance policy is also issued after submitting a written application.

  For trucks

  Trucks can be owned by both individuals and organizations.

  If the car belongs to a legal entity, then in order to purchase a car license, a package of documents is required for individuals and individual entrepreneurs.

  If the truck belongs to a legal entity, then the set of requested documents also changes.

  City lawyers for compulsory insurance

  In the course of issuing and using a compulsory auto insurance policy, various problems may arise, for example, they refuse to pay insurance compensation, pay an amount that is not sufficient to carry out repairs, and so on.

  To solve problems with an insurance company on your own, you need to know all the intricacies of the legislation.

  In the absence of knowledge, qualified auto lawyers come to the rescue, who for a certain price will help to resolve insurance disputes in the shortest possible time.

  Residents of the capital can apply for qualified help:

  The name of the company providing legal assistance in auto insurance	List of services provided by the organization
  Moscow auto lawyer (Shabolovka st., 34, building 3, floor 3)	- Conducting an independent examination to assess the damage received; - collection of insurance payments through the court; - recovery of material and moral damage from third parties
  Auto lawyer LLC (Avtozavodskaya street, 23 building 15)	- assistance in registration of a traffic accident; - assistance in the preparation of documents for payment of compulsory motor third party liability insurance; - evacuation; - autoexamination; - recovery of compensation through the court
  Moscow Union of Auto Lawyers (Krasnoproletarskaya st., 16, building 2)	- assistance in obtaining insurance payments; - representation of the client's interests in court
  ANTI-ACCIDENT (Leningradskoe sh., 36)	- registration of a road accident (assistance in filling out the Euro-protocol); - preparation of documents for insurance payments; - assessment of the damage received; - resolving issues with insurance companies in court

  How to protect yourself from scammers

  The high demand for compulsory auto insurance services is also generating an increase in the number of fraudulent companies offering fake policies. How to avoid becoming a victim of a scammer?

  • you cannot buy a car insurance from small unknown companies. Most of the scammers work in "trailers" located in different parts of the city, usually near the metro or large shopping centers;
  • there can be no discounts for car insurance. The cost of the policy is determined by the state, and insurance companies have no right to reduce it at their discretion;
  • after purchasing a car insurance, it is recommended to independently check the policy form for validity. To do this, you can use the PCA website and enter the details of the document in the verification form.

  Which insurance company is the best? Typically, this question is asked by policyholders who apply for a policy for the first time, as well as those who have had negative experience with insurance companies. Most often, the issue of timely payments for insured events and reliability is of interest, which, in the opinion of many, can be provided by insurance companies with state support.

  Principles for choosing an insurer

  Most often, the choice of the company is influenced by subjective reasons, such as: the proximity of the office of the insurance company, the cost of the insurance policy, the competence of the employee or insurance agent. Some of these factors may be important in each case, but not be decisive. The main thing is the reliability of the insurance company and the ability to fulfill the obligations under the policy. And this can be done with a greater degree of probability by insurance companies with government support. This means that even during a crisis, the insurer is able to make all payments. You can also conduct your own analysis, based on reviews of insurance companies, their rating, study of official sites. It is worth adding to your own analysis the recommendations of friends and relatives about their experience of cooperation. Today there are more than a hundred companies on the insurance market. Therefore, it is rather difficult to make a choice. To help in choosing, there are independent rating agencies, associations of insurers, etc., which publish annual and quarterly ratings based on an analysis of the financial condition and the volume of declared but not settled payment cases. This information can be safely trusted.

  Insurance company ratings

  External factors, such as: size and change in assets and equity, authorized capital, total insurance premium;

  Does the company belong to some important stable market segments (associations), company reputation, brand recognition and price, obligations to supervisory authorities, insurance portfolio;
  

  Management (owners, their financial performance, whether the company is an affiliate of companies from other industries, what it owns, risk management, attitude to improving the quality of management, information infrastructure, the presence of contracts with audit firms, access to these reports);

  Geography of presence on the market (branch network).

  Insurance business: insurance portfolio (its stability, types of insurance, riskiness in percent, reinsurance obligations);

  Client base (structure of the client base, renewals, share of major clients, percentage of canceled contracts, percentage of active insurance agents);

  Reinsurance (reinsurance of risks, their size, reliability of the reinsurance policy);

  Financial indicators (current liquidity ratio, large payments, fulfillment of obligations on them, availability of loans from the company, own funds, accounts receivable);

  Profitability and loss ratio (loss ratio, percentage of business expenses in the total rate of collection of insurance premiums);

  Investment policy (investment objects, investment portfolio, its profitability, percentage of affiliates and subsidiaries).

  The methodology for assigning a rating, taken on the example of the EXPERT RA agency, is presented in order to make it clear how difficult it is to objectively assess the state of the company. Those. word of mouth ratings are valid, but subjective. Reviews are also a relative indicator, often they are custom-made or written on a wave of indignation, since there are constantly satisfied and dissatisfied policyholders among clients. It is extremely difficult to calculate the percentage of real reviews and customized ones yourself.
  

  List of insurance companies with state participation

  The best insurance company is the one you can trust. Word-of-mouth communication may be productive, but not in this case. As mentioned above, the reliability of a company is difficult to assess. But still, based on the conclusions of rating agencies, we present a list of Russian insurance companies with state participation: VTB Insurance, ROSGOSSTRAKH, RESO-Garantia SPAO, SOGAZ insurance group, AlfaStrakhovanie insurance group, Yugoria.

  VTB Insurance

  The insurance group was founded in 2000. It is a systemic organization and the largest in Russia. It has 114 branches in different cities of Russia. Standard & Poor's, a well-known American rating agency, has assigned it a BB + long-term financial strength rating. This is the highest figure among domestic companies. EXPERT RA has assigned the highest A ++ rating to VTB Insurance Group. The company has licenses for all insurance products on the market. Disadvantages: long claims settlement. Summarizing the reviews about the company, we can say that conflict situations are rare, a reliable company, but insurance products are expensive. However, policyholders will prefer this company, especially those who have had negative experience with other insurers.
  

  ROSGOSSTRAKH

  A long-liver and the largest state insurance company, or rather, a group of organizations. Many people apply to this company for a policy, since the network is very well developed, and agencies are represented even in remote places. EXPERT RA has assigned the A ++ level rating. Has licenses for all types of insurance services, to a greater extent in the regions the insurance portfolio consists of motor risks, that is, OSAGO policies. Due to monopolization in remote locations, agents often imposed additional insurance policies. After appeals to the Antimonopoly Committee, Rosgosstrakh was temporarily revoked the license to carry out insurance under OSAGO policies. In the reviews, you can often read about the extremely prolonged waiting for payments, refusals to pay for no reason, especially for OSAGO, but the court in this case is always on the side of the policyholder. They also write about the unreasonably underestimated damage assessment of this Russian insurance company with state support. The only plus in the reviews is a huge branch network and a large number of insurance agents.

  SPAO "RESO-Garantia"

  It is also a backbone company, founded in 1991. The policy is based on agent sales and agents with balanced insurance portfolios. It has over 800 branches and over 20 thousand agents. The number of clients - both legal entities and individuals - over 10 million.
  

  Licenses for more than 100 types of insurance. Priorities: OSAGO, VHI, mortgage insurance. The agency Standart & Poor "s assigned a BB rating. The generalized reviews are related to the fact that the company bases its activities on the work of agents, therefore, the reviews are mostly negative due to the incompetent work of specific agents.

  Insurance group "SOGAZ"

  Systemically important company. It ranks second in Russia in terms of collection of insurance premiums. The group includes both domestic and foreign insurance companies. More than 15 million individuals and 45 thousand legal entities have SOGAZ insurance policies. One of the areas is sponsorship (the company is the official insurer for all KHL championships). As with Rosgosstrakh, there were also reviews about the imposition of additional policies to the OSAGO policies, the refusal to issue a policy without concluding another one - for life insurance or property of individuals. The pluses in the reviews include the prices for CASCO policies. Cons, as in all large companies, speak only of the human factor in the work of specific agencies and branches.

  State insurance company "Yugoria"

  Yugoria has been operating in Russia for a long time. All standard insurance services are offered in this company.
  
  

  According to statistics, the organization has a reliability rating of A. It happens that it decreases to B ++. Accordingly, it stands for Reliable and Acceptable Reliability. Which is not too high. It is for this reason that people do not trust Yugoria too much. Many are skeptical of organizations with such a rating. This means that there are certain shortcomings that do not allow the company to work with 100% quality.

  Insurance group "AlfaStrakhovanie"

  Founded in 1992. The company's policy is aimed at meeting the needs for insurance products of corporate clients. The company is one of the largest insurers. He also has licenses for more than 100 different types of insurance. Quite a decent insurance portfolio, more than 450 thousand companies and 25 million individuals have insurance policies of the insurance group "AlfaStrakhovanie". The international agency Fitch Ratings has assigned a rating of BB. The company is also very reliable. Reviews, like all companies, talk about late payments and poor service, specifically and unreasonably low payments in claims settlement. They also note the veiled conditions in voluntary insurance policies, which appear when an insured event occurs and when you apply for payment to the company.

  The list of health insurance companies with government participation includes a certain number of organizations. Here are some of them: MAKS-M, ROSNO-MS, SOGAZ-Med, LLC Rosgosstrakh-Medicine, CJSC Capital Medical Insurance, etc.
  

  Conclusion

  The article is of an overview nature, each person must subjectively decide which company to choose, based on his analysis or the positive experience of communication of his friends or relatives with a particular company. But in any case, one must bear in mind that delays in payments for insured events are a normal phenomenon in all insurance companies, including state ones, the main thing is that in any case they will pay.

  By the way, for more detailed and accurate information, you can refer to the Unified State Register of Insurance Subjects. The data of the state register of insurance companies will help an ordinary person navigate the insurance market.

  Before insuring a car, many motorists look at the rating of OSAGO insurance companies that provide insurance services. This allows you to choose the best insurer. After all, rating developers are guided not only by the financial performance of companies, but also by the reviews of real customers. The ratio of payments and refusals, the average amount of refunds are also taken into account. This is important, because according to the information of the Central Bank, about 2.7 million people have applied for compensations under OSAGO policies. True, 3.4% of applications were refused.

  Main evaluation criteria

  According to the law No. 40-FZ of 25.04.2002, the owners of any vehicles must insure their motor third party liability. This is spelled out in Art. 4 of the specified law. You can choose the best insurer if you look at the rating of firms.

  Several criteria are taken to assess the performance of insurance companies. Such an integrated approach makes it possible to create the most objective rating. Taken into account:

  • reliability of the company;
  • the size of the authorized capital;
  • reviews and assessment of the insurer's activities by real customers;
  • the amount of insurance payments.

  

  Depending on the performance indicators, certain rating categories are assigned. The "A" indicator is considered the highest. It can only be obtained by reliable companies that, upon the occurrence of an insured event, immediately pay compensation.

  A “B” grade is given to those firms that have no liquidity problems, but have payment delays. It is not recommended to consider organizations that received a C, D, or E as a result of the analysis.

  • Class A ++ Exceptionally high level of reliability
  • Class A + Very high level of reliability.
  • Class A High level of reliability.
  • Class B ++ Satisfactory level of reliability.
  • Class B + Low level of reliability.
  • Class B Low level of reliability.
  • C ++ class Very low level of reliability.
  • Class C + Unsatisfactory level of reliability.
  • Class C Failure to fulfill obligations.
  • Class D Bankruptcy.
  • Class E Revocation of the license (not at the initiative of the company).

  Insurance selection rules

  It is advisable to choose a company that has been dealing with civil liability insurance of car owners for more than a year. You should only trust those who have been assigned a reliability rating of "A". The official rating of OSAGO companies is based on accounting data and information from the Central Bank. They do not allow an objective assessment of the work of insurers.

  Periodicals on automotive topics, statistical companies sometimes create their own "people's" ratings. They are based on feedback from car owners.

  Rating agencies

  There are several agencies in Russia that make their own lists of the most reliable companies.

  Expert RA evaluates:

  • the scope of work of insurance companies;
  • the amount of capital;
  • the ratio of positive / negative decisions on payments.

  Trustworthy companies are usually assigned an A ++ score. They have a stable development forecast. With a high degree of probability, it can be assumed that the situation will not change in subsequent years.

  Expert rating of insurance companies for OSAGO

  Insurance Company	reliability	payout rate	likelihood of legal action	reviews	final rating
  AIG (AIG)	4,5	21%	2,32%	4	3,8
  Alpha insurance	4,3	43%	0,67%	2	3,9
  Alliance / ex. ROSNO	3,6	110%	4,65%	3	3
  VSK	4,1	45%	8,51%	2	3,1
  VTB Procurement	4,6	29%	10,47%	3	3,5
  Ingosstrakh	4,6	56%	0,13%	2	4
  MAX	4,5	92%	13,83%	2	3,4
  RESO-Garantia	4,4	52%	1,41%	2	3,9
  Rosgosstrakh	4,6	52%	13,09%	1	3,3
  SOGAZ	4,8	53%	1,37%	2	4,2

  Reliability, reviews (negative) and the final rating is calculated on a five-point scale.

  Reliability rating of insurance companies by OSAGO

  • SOGAZ - 4.8
  • ERGO (ERGO) - 4.7
  • VTB Insurance - 4.6
  • Ingosstrakh - 4.6
  • Rosgosstrakh - 4.6
  • AIG / ex. Chartis - 4.5
  • Surgutneftegaz - 4.5
  • MAX - 4.5
  • RESO-Garantia - 4.4
  • Chulpan - 4.4
  • Spassky Gate - 4.4
  • RSHB-Insurance - 4.4

  Rating of insurance companies by OSAGO payments

  Insurance Company	Average payment for OSAGO
  Geopolis	118 333 ₽
  Verna	103 440 ₽
  Alliance	86 338 ₽
  Welfare General Insurance	80,000 ₽
  Muscovy	72 751 ₽
  Swift them. S. Zhivago	71 667 ₽
  ASKO	71 203 ₽
  Renaissance Insurance	70 846 ₽
  Moscow suburbs	70 435 ₽
  Rosgosstrakh	69 362 ₽

  National rating of insurance companies

  • JSC "Intach Insurance"
  • Renaissance Insurance
  • AlphaInsurance
  • Zetta Insurance
  • Yugoria
  • Soldier
  • Ingosstrakh
  • ZHASO
  • Tinkoff Insurance
  • UralSib Insurance
  • BIN Insurance
  • RESO-Garantia
  • SOGAZ
  • Energogarant
  • Agreement
  • MAX
  • Rosgosstrakh

  Assessment and analysis of the activities of the UK

  Video: Analysis of insurance companies and how to choose the right one

  The best insurance companies in Moscow

  Experts, on the basis of statistics from the Central Bank, assessed the activities of various firms and created a list.

  The leading position is held by SO "ZHASO". She has a minimal bounce rate (only 0.5%). The amount of compensation she has is also not large and averages almost 45 thousand rubles. And this is 3 thousand rubles less than the average level of compensation. According to RAEX and RA Expert estimates, the company was assigned an exceptionally high A ++ level. The total annual contributions for compulsory motor third party liability insurance are 2.5 million rubles.

  The performance of the Yugoria company is no worse. They refused to pay damages for 0.7% of clients. The amount of their contributions is 3.1 million rubles. The main shareholder of the company is the Khanty-Mansi Autonomous Okrug. But this does not mean that it only works within it. The company has over 60 representative offices in the Federation. The average amount of payments is 44 thousand rubles. But according to RA Expert, the company was assigned an “A” grade, its rating is being monitored. Analysts say it is a growing company.

  SK "MAKS" has been on the market since 1992. But she has been engaged in OSAGO insurance since 2003. After all, this type of activity requires a special license. This is spelled out in Art. 1 of Law 40-FZ of 25.04.2002. IC "MAKS" refuses 0.8% of the clients who applied. The amount of the average insurance compensation for this company is small - 35.4 thousand rubles. According to the analysis of RA Expert, it is a reliable company with a stable development forecast. Under the OSAGO program, the amount of contributions to IC "MAKS" is 3.7 billion rubles.

  SD "VSK" is one of the largest in the Federation, clients under OSAGO brought in 18.2 billion rubles. "Military Insurance Company" has already twice received gratitude from the President for the work done. But in terms of the number of refusals, it ranks 4th - 1.4%. In terms of indicators, the average amount of compensation is 42 thousand rubles. RA Expert confirms the reliability of this insurance house. It was awarded the A ++ rating.

  Firm failure rates "Alpha Insurance" the same as those of the "VSK" SD. The average amount of payments they have is slightly lower - 41.8 thousand rubles. The total amount of their contributions is 10.6 billion rubles. This is a company to which RA Expert has assigned an A ++ rating. Her developmental prognosis is stable.

  The amount of insurance payments in SAC "Energogarant" slightly higher - 45.6 thousand rubles. But they refuse 1.5% of the clients who applied. Judging by the total amount of contributions, the company is not very popular. The total amount of MTPL insurance is 2.8 billion rubles.

  Uralsib offers a fairly high average amount of compensation - almost 51 thousand rubles. But this organization refuses 1.9% of its clients. 6 billion rubles were attracted under OSAGO policies. The Expert Rating Agency estimates the level of reliability of Uralsib as "A +". It has been increased, further development forecast is stable.

  Popular oil production subsidiary Transneft with the same name. Since 2013, SOGAZ has become its owner. According to RA Expert, since 2011 it has been holding the A ++ position. But her payments are small - the average amount of compensation is 17.5 thousand rubles. She refuses 2.4% of clients. But few are insured with her. The total amount of investments under OSAGO policies is 0.4 billion rubles.

  SPJSC "Ingosstrakh" refuses 3.3% of people who applied. Their compensation amounts to an average of 40.5 thousand rubles. The total amount of insurance under OSAGO policies is 15.5 billion rubles. It is a reliable company with an A ++ rating and a stable outlook for further development.

  One of the most famous is Rosgosstrakh. If we estimate the size of insurance premiums, then this is one of the largest companies. They are equal to 77 billion rubles. Also, PJSC IC Rosgosstrakh has one of the largest amounts of compensation - it equals 53.6 thousand rubles. True, 3.5% of all applicants face the denial of compensation. The A ++ level of reliability has been maintained by the company since 2008 according to Expert RA estimates.

  But that's not all of the rated insurers. Do not forget about "RESO-guarantee" rated A ++. The amount of insurance premiums for compulsory motor third party liability insurance is quite large and amounts to 27.6 billion rubles. But they have a large number of refusals - 4.8%. The amount of compensation is 43.8 thousand rubles.

  A fairly large amount of the average level of insurance claims from the Renaissance-Insurance group. They pay almost 53 thousand rubles. But they refuse to pay compensation 5.1% of those who applied.

  When choosing an insurance company, you must take into account all these data. This is the only way to select the best insurer who, upon the occurrence of an insured event, will certainly pay the due indemnity.

  Today, the base of insurers allows you to check OSAGO in different ways: by the policy number, by the car number, etc. And vice versa - by the insurance number, for example, you can find out the car number. There are three test options in total:

  Attention, the last weeks of the verification forms are working oh-oh-very slowly, they are not loaded the first time. This is a problem on the PCA side. If you want, you can try to upload the verification forms separately on their website: one, two, three, respectively.

  1. Checking the status of the form by its number. Check the paper or electronic CTP policy against the AIS RSA (Russian Union of Auto Insurers) database and find out its validity period below.
  

  This form is for checking both paper policies and electronic policies of the XXX series purchased over the Internet! Usually, electronic insurance gets into the database immediately after registration, but sometimes, due to the workload of the database, it can take several days. The correct status for valid insurance is “is with the insurer” (but if immediately after the purchase the status is still “with the insurer”, then this may be normal - the agent might not have time to make changes to the database, wait a couple of days and only then sound the alarm) ... Unambiguously "bad statuses" of the CTP policy are "expired" (why exactly it became invalid, you can see in more detail on the check below) or "lost". The status "printed by the manufacturer" means that such a form has not even been handed over to the insurer.

  Such a check does not give 100% certainty that you have a valid policy (after all, scammers could have made a "duplicate" of this form), but it allows you to reject obvious forgeries and stolen forms. But in order to exclude "duplicates" you need to check which car is insured according to your policy ...

  2. Find out which car is insured according to a certain form. In addition to the state number, VIN code or body number, in the results you can find out a more detailed status of the form, for example, why the insurance is not valid (they could have terminated the contract early or the insurance policy could have been lost):

  3. Find out the number of the OSAGO policy by state number, VIN or body number + check if the driver is included in the insurance... This check is the opposite of the previous one, here, according to the data of the car, you will find out in which insurance company it is insured, the policy number and its type (limited or unlimited). VIN check is the most complete. It is searched for by state number only if this information was provided by the insurer (they do not always do this).

  If the insurance has a limited list of drivers, the system will offer to check by the number and series of the driver's license whether a certain driver is included in the insurance (this option appears in the second step after).

  If you recently entered someone into your OSAGO policy or made other changes to the data, then according to the standards, insurance companies are obliged to make changes to the PCA database within 5 days. Therefore, do not be alarmed if, after a couple of days, the changes have not yet been displayed in the AIS RSA database.

  The last check is also useful for checking a used car before buying. After all, the presence of two simultaneously valid OSAGO policies on one VIN-number (or license plate) can be a "bell" that the car is a "double". In this case, I also recommend (in this case, it is a bad sign that the car regularly undergoes MOT in one region, then in another).

  4. Assistance of an auto lawyer on OSAGO issues:
  If you are faced with the fact that your policy is fake, judging by the database, or you have other legal questions related to OSAGO, then you can get a free lawyer's answer in the form below.

  Search by name:

  Submitted by list of insurance companies registered in the state register of insurance entities and licensed to carry out insurance activities. The alphabetical filter allows you to select companies whose brand names begin with the selected letter.

  Search by name is performed for all the names of the insurance organization, including short, full, everyday and all previous names of the insurer. Be careful: the search results display all companies, including those whose insurance license was revoked.

  COMPANY NAME	FULL TITLE	No. GOS. REGISTER
  1.		Ave	Open Joint Stock Company Medical Insurance Company "AVE"	1845
  2.		Vanguard policy	LLC Insurance company "Avangard Policy"	3920
  3.			Avangard-Garant Insurance Group CJSC	796
  4.		Obverse	LLC "Interindustry insurance company" Avers "	3362
  5.			Closed Joint Stock Company "Insurance Company" Avesta "	3156
  6.		Air	Limited Liability Company Insurance Company "Avia"	2445
  7.		Avia re	LLC Reinsurance company "Avia Re"	3850
  8.		Aviva	Closed Joint Stock Company Insurance Company "Aviva"	3991
  9.			Closed joint-stock company of aviation and space insurance "AVIKOS"	1967
  10.		Avis +	Limited Liability Company "Insurance Company" Avis + "	3336
  11.			Limited Liability Company "Insurance Company" Avista-Garant "	1127
  12.		AURORA-GARANT	Limited Liability Company "Insurance Company" Aurora-Garant "	3332
  13.		Autostrakh	Limited Liability Company Insurance Company "Autostrakh"	3517
  14.		Agricultural insurance company	Limited Liability Company "Agrarian Insurance Enterprise"	2718
  15.			JSC "Insurance Joint Stock Company" AGRIGA "	3721
  16.		AGRIS-VITA	LLC "Insurance company" Agris-Vita "	3444
  17.		Agros	"Limited Liability Company" Insurance Company "Agros"	3775
  18.		Agrostrakh	Limited Liability Company Kalmyk Agrop-I insurance company "Agrostrakh"	3251
  19.		AGROINSURANCE-SIBERIA	CJSC Insurance Company "Agrostrakhovanie-Siberia"	3708
  20.			Limited Liability Company "InpredStrakhovanie"	3290

  
  Insurance firms 1 - 20 out of 1109
  Home | Prev | 1 - not very convenient for consumers, since it contains information only about parent insurance companies. At the same time, contact information may also not be the most relevant, since it serves mainly for official (written) communication with the insurer.

  List of insurance companies by region

  For the above reasons, the "Insured Event" portal has formed its own list of insurance companies, with easy navigation, simple and advanced search capabilities. You just need to either select your region if you want to find an insurer closer to your home or office, or enter part of the name of the insurance company in the search field if you are interested in a specific insurer. You can combine the two.

  Employees of the portal make every effort so that visitors can not only conveniently search for insurance companies, but also receive maximum information about each insurer.

  Insurance companies blacklist

  When choosing an insurance partner, it makes sense to familiarize yourself with the so-called “black lists of insurance companies”. Of course, there is no official document with such a name, but there are a number of criteria that make it possible to assign a particular insurer to such a list.

  After insurance companies leave the market, their former agents still have a lot of insurance policies. Unclean insurance brokers may try to sell such policies to unsuspecting fellow citizens. That is why, before purchasing insurance, it is worthwhile using the proposed lists to find out if everything is in order with the insurer offered to you. Another option is to immediately check the authenticity of the insurance policy that you are offered. In this case, you will be protected from purchasing a policy stolen from a completely safe insurance company.

  Insurance companies with revoked licenses

  Insurers who have lost their licenses to carry out insurance activities, in fact, are no longer insurance companies. They do not have the right to insure, but are obliged to meet their obligations under the current insurance contracts. It is impossible to insure in such companies, but you can try to get an insurance payment.

  Insurance companies - bankrupt

  Bankrupt insurers are insurance companies that not only lost their licenses, but were also declared insolvent by a court decision, that is, they are unable to satisfy the claims of creditors.

  Insurance companies with a suspended license

  For serious violations of insurance legislation, licenses of insurance companies can be suspended or limited. This means that the insurance company continues to operate normally, but does not have the right to conclude new insurance contracts in general or under a specific insurance contract. Naturally, insurance contracts concluded during the period of suspension or restriction of the license will be null and void.