According to the Central Bank, last year 2.3 million people applied for reimbursement under comprehensive insurance policies. However, 4.05% of policyholders were refused insurance payments.
Car insurance in Russia often resembles a pig in a poke. Alas, on the basis of the available data, it is rather difficult to determine whether the motorist will be among the "refuseniks" or not. This situation is beneficial for insurers: in the absence of clear guidelines for buyers, they do not have to compete with each other and improve the level of service. After all, they’ll buy it anyway.
Introducing Casco insurance companies rating 2016 of the year. The list is compiled on the basis of information from RBC and the Central Bank on settled cases and refusal of compensation for the past year, as well as the average level of insurance payments.
10. Zetta Insurance
It has been operating in the Russian market since 1993 and until 2015 it was called SK Zurich LLC. By hull, it refuses in 3.6% of cases. But the average amount of payments (67 909 rubles) is 3.5 thousand rubles more than the average market (64.4 thousand rubles).
9. Alfa Insurance
One of the backbone insurance companies in Russia. Its rejection rate is 3.4%, but the average amount of payments - 70,943 rubles - is 3 thousand rubles higher than that of number 10 from the Casco insurers rating.
8. Ingosstrakh
One of the "mastodons" of the domestic insurance business. He is the assignee of the Soviet General Directorate of Foreign Insurance, which appeared in 1947. Now Ingosstrakh is one of the ten insurers of the Russian Federation, which indicates the reliability of the company. As for the refusals for Casco policies, their percentage is 3.2%, and the average amount paid is 49,841 rubles, which is 14.6 thousand rubles below the average market.
7. VSK
The insurance joint-stock company Military Insurance Company, which has an extremely high reliability rating (A ++) from Expert RA, rejects motorists who apply for a comprehensive insurance policy in 3% of cases. But if it pays insurance, then, on average, 69 506 rubles, 5.1 thousand rubles more than the average for the insurance market.
6. Renaissance Insurance Group
It has been working in the Russian market of insurers since 1997 and since 2014 it has a “stable” forecast for the highest reliability rating “A ++”. The low rejection rate of 2.8% and a rather generous payment (77,410 thousand rubles on average) allowed this company to enter the top 10 Russian insurers with the most attractive terms for hull insurance.
5. "MAX"
On hull, the rejection rate at MAKS is 2.7%. And the average amount of payments leaves much to be desired - 55,699 rubles, which is less than the average market price by almost 9 thousand rubles.
4. ZHASO
ZHASO rather rigidly estimates payments, judging by the percentage of rejection - it is 2.7%, and therefore the company receives only fourth place in the rating. The average casco payment amount is 64,499 rubles, which is almost equal to the average market one.
3. "Ugoria"
Ugoria is a balanced option for car enthusiasts who prefer to execute both hull and compulsory motor liability insurance in one place. It is included in the top 2 of the most attractive companies in compulsory motor third-party liability insurance, and in the Casco rating it takes third place (2.6% of failures). Payment is more than average market indicators by 4.3 thousand rubles and amounts to 68 734 rubles.
2. RESO-Garantia
One of those companies where Casco is better than CTP. If by hull at RESO-Garantia, the percentage of failures brings the company an honorable second place in the rating (2.4%), then it is better not to register CTP for this company - the percentage of failure is as much as 4.8%. The average amount of payments is 55,222 rubles and in general is 9,180 rubles less than the average market price.
1. Rosgosstrakh
The company "Rosgosstrakh" heads 2016 casco insurance companies rating in Moscow, St. Petersburg and all of Russia due to the lowest failure rate - only 2.2%. And the average payment is higher than the average market by 2 thousand rubles and amounts to 66 398 rubles.
* - given the data of compulsory motor liability insurance
