2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37
According to statistics, more than 160,000 traffic accidents occur in Russia every year, a huge number of which end in tragedy. The OSAGO insurance system is not only an opportunity to save a vehicle from the consequences of an accident, but also an opportunity to protect yourself from hooligan actions, natural disasters, unforeseen circumstances and other unjustified expenses.
OSAGO - compulsory auto insurance, common in Russia, the CIS countries and some other countries. Under the OSAGO policy, the insurance agency will be ready to compensate for damage to life and he alth caused to another person in a traffic accident. Unlike hull insurance, OSAGO indemnifies damage not to the owner himself, but to affected third parties.
This article will provide a rating of OSAGO insurance as of 2018, which will allow readers to easily navigate the market.
Reliability of companies
Ratings evaluatethe activities of insurers on the basis of the so-called. indicator of insurance reliability, the calculation of which is based on the ratio of the amount collected to the amount paid. This information gives an almost complete objective picture of the activities of the insurance company and its reliability in providing compensation in an insurance situation.
Current OSAGO insurance rating:
| Company | Description |
| "VTB Insurance" | Reliable company, which is considered the most financially stable in Russia with a long-term credit rating of BB+. It occupies the highest position in the reliability rating of insurance companies for OSAGO. VTB received a prestigious A++ rating, but services are expensive. |
| "ROSGOSSTRAKH" | The largest insurance group in Russia, one of the pioneers in this market. It has AAA and A++ financial strength ratings. Nevertheless, the company is seen in violations of antitrust laws. There are also denials of auto insurance payments. |
| "Renaissance Insurance" | Insurance company, one of the backbone enterprises of the Russian insurance industry. International rating A++. |
| "RESO-Garantia" |
Insurance institution with an A++ reliability rating and an extended network of representative offices. Also refers to structural institutions for the Russian insurance system. |
| "VSK" | Insurance company withtwenty years of history. Focused primarily on legal entities. Rated A++. |
| "SOGAZ" | Another backbone company, ranked 2nd in the country in terms of insurance premiums. Despite the abundance of positive moments, complaints are sent to SOGAZ that the company's managers do not sell OSAGO without life insurance. Rated A++. |
| "Consent" | The company is one of the TOP-10 largest insurance companies in the country. In professional circles, "Consent" is often criticized for its policies, so it does not have such a high reputation. When working, "Consent" allows itself to violate the terms of payments or reduce their size several times. Rated A+. |
| "AlphaInsurance" |
Russian insurance network with an international reliability rating of BB. At the same time, the company regularly receives critical reviews from the owners of electronic policies, whose claims relate to the insufficient level of indemnified losses. Russian rating A++. |
If you closely follow the insurance preferences of Moscow residents, you will notice that they strangely coincide with the average for the country. This is due to the fact that due to the high concentration of financial flows, most of the largest Russian insurance companies have their main office in the capital, and branches operate in other cities. Thus, if you want to knowthe average situation for insurance companies in Russia, you can look at the rating of IC in Moscow - the differences will not be that big.
Rating of insurance companies by OSAGO payments
The rating differs from the previous one, since the payout indicator primarily indicates the unprofitability of the company. The percentage indicated in the table shows the ratio of the volume of reimbursed funds to the volume of bonus payments, that is, in fact, the ratio of costs to profits. If the company's operations are in order, then this percentage will not deviate from the 40-60% limit, however, changes are allowed when companies carry out certain types of insurance that imply these deviations.
Here is the rating of insurance companies in terms of OSAGO payments for 2018. These are the companies that are most often recommended for cooperation based on their solvency.
| Company name | Payout percentage |
| "Ingosstrakh" | 51 % |
| "Sogaz" | 50 % |
| "AlphaInsurance" | 46 % |
| "VTB" | 20 % |
| "RESO" | 48 % |
| "Liberty Insurance" | 49 % |
| "ERGO Life" | 45 % |
| "Chulpan" | 45 % |
| "YAG" | 7 % |
| "Absolute" | 25 % |
How is the rating formed?
There arenumerous factors that make up the reliability ratings of insurance companies. Moreover, this information is obtained not only on the basis of ratings, but also in highly specialized communities, for example, the Union of Motor Insurers of Russia owns such information. To access it, you must register on its website and become a full member, but if the user leaves the union, the possibility of obtaining information will remain.
Agencies that rank OSAGO insurance companies create lists of the most reliable, and they are based primarily on up-to-date information in recent years, taking into account only specific parameters. Experts take into account the following parameters:
- payout speed;
- quality of service;
- positive and negative reviews, their overall ratio;
- how many car enthusiasts regularly apply to this particular company for insurance services and how satisfied they are with the services provided.
You should not look for options for an OSAGO policy at a reduced cost, because the price is fixed today and can be changed in one way or another only in the order of working with brokerage houses, agencies and other intermediary organizations.
Expert ratings
This is the primary and most respected type of insurance company rating based on internal corporate data. The disadvantage is that either you will not be able to independently verify the veracity of this data, or you may have questions aboutobjectivity and independence of the resource that published this rating (however, the presence of referral links on the page from companies located in the top of the list is already an obvious hint).
In this case, what should be based on when choosing an electronic OSAGO policy? You can choose a company and then regret it, or you can hit right on target. Correct listings of insurance firms are usually published in the form of corporate reports based on official verified statistics. Therefore, it is recommended to check whether all the information was really drawn from sources that deserve attention.
Popular ratings
Don't rule out so-called user ratings based on individual votes, usually on the internet. This voting format has a significant drawback due to the fact that Internet users have the ability to wind up votes in favor of one or another participant. And even if we exclude any falsifications, then in any case such a vote can only be called objective at a stretch, because the average user does not have an expert opinion in this area and can only focus on their own experience, which could be positive or negative.
Moscow rating
Capital rankings usually reflect the country's "average hospital temperature" and should therefore always be compiled with the utmost care. The rating of insurance companies for OSAGO Moscow is compiled in accordance with customer reviews.
| Namecompany | Overall rating |
| "Ingosstrakh" | 2.2 (123 reviews) |
| "VTB" | 2.3 (47 reviews) |
| "SOGAZ Insurance Group" | 1.9 (230 reviews) |
| "Liberty - Insurance" | 1.8 (9 reviews) |
| ERGO | 1.9 (11 reviews) |
| "ALFA INSURANCE" | 2.1 (207 reviews) |
| "VSK Insurance House" | 2.3 (430 reviews) |
| "RESO Guarantee" | 2 (247 reviews) |
| "MAX Insurance Group" | 2.2 (110 reviews) |
| "Renaissance Insurance" | 2 (63 reviews) |
| "Insurance Joint Stock Group ENERGOGARANT" | 0.7 (21 reviews) |
| "Absolute Insurance" | 4.1 (7 reviews) |
| Zetta | 2.5 (25 reviews) |
| "AD CK Chulpan" | 2.6 (14 reviews) |
Novosibirsk rating
Unconditional flagship, stableholding a leading position in this market in Novosibirsk, is the company "Rossgosstrakh". The rating of insurance companies for OSAGO in Novosibirsk also objectively reflects other indicators.
| Company name | Cash fees (in rubles) | Market share | Payout percentage |
| "Rossgosstrakh" | 1 479 269 | 28, 88 | 76, 13 |
| "AlphaInsurance" | 803 407 | 15, 68 | 63, 58 |
| "RESO" | 783 946 | 15, 68 | 59, 86 |
| "VSK" | 633 057 | 15, 30 | 42, 32 |
| "Ingosstrakh" | 385 665 | 12, 36 | 49, 88 |
| "Liberty Insurance" | 202 174 | 3, 95 | 47, 23 |
| "Ugoria" | 140 579 | 2, 74 | 65, 27 |
| "SOGAZ" | 110 775 | 2, 16 | 56, 94 |
| "ASKO" | 95 813 | 1, 87 | 61, 23 |
Rating of St. Petersburg
St. Petersburg is a battlefield for the leadership in the industry of two "giants" OSAGO at once: "RESO-Garantia" and "Rossgosstrakh". At the moment, the fight can be called equal, despite the objectively larger market coverage of "RESO" and large cash collections. Nevertheless, "Rogosstrakh" is in the lead in the ratinginsurance for OSAGO payments. Rating of insurance OSAGO SPb:
| Company name | Cash fees (in rubles) | Market share | Percentage by payout level |
| "RESO" | 4 313 131 | 29, 38 | 43, 00 |
| "Rossgosstrakh" | 3 041 790 | 20, 72 | 122, 39 |
| "Renaissance INSURANCE Group" | 1 878 283 | 12, 80 | 54, 84 |
| "INGOSSTRAKH" | 1 433 064 | 9, 76 | 36, 29 |
| "MAX" | 592 361 | 4, 04 | 38, 93 |
| "AlphaInsurance" | 546 006 | 3, 72 | 36, 49 |
| "Gide" | 500 054 | 3, 41 | 44, 94 |
| "Consent" | 474 135 | 3, 23 | 63, 22 |
| "Liberty Insurance" | 431 077 | 2, 94 | 55, 60 |
| "VSK" | 393 387 | 2, 68 | 94, 32 |
Rating of Vladivostok
Vladivostok is another region with Rosgosstrakh's firmly established leadership. Rating of insurance companies for OSAGO Vladivostok:
| Company name | Cash fees (in rubles) | Market share | Percentage by payout level |
| "Rossgosstrakh" | 1 702 519 | 47, 30 | 86, 07 |
| "VSK" | 530 645 | 14, 74 | 91, 52 |
| "Dalakfes" | 472 281 | 13, 12 | 66, 94 |
| "INGOSSTRAKH" | 390 644 | 10, 85 | 54, 40 |
| "MSKguard" | 174 838 | 4, 86 | 67, 09 |
| "RESO" | 114 430 | 3, 18 | 80, 92 |
| "SOGAZ" | 70 213 | 1, 95 | 62, 49 |
| "AlphaInsurance" | 37 338 | 1, 04 | 443, 79 |
| "Hoska" | 32 601 | 0, 91 | 71, 18 |
| "Max" | 16 743 | 0, 47 | 127, 52 |
People's rating of insurance companies for OSAGO
People's (or public) ratings are formed on the basis of numerous user reviews and ratings of insurance companies. Such ratings are extremely rarely considered by experts due to their subjectivity, but rather are in the nature of one-sided user recommendations. People's ratings usually collect data from open resources - forums, feedback portals, as well as official websites of insurance companies, which often moderate negative comments, which also negatively affects the objectivity of people's ratings.
Rating of insurance companies for OSAGO fromusers:
| SK | Rating | Resolved Issues | Number of reviews |
| "Zetta Insurance" | 88, 30 | 95 | 930 |
| "AlphaInsurance" | 87, 69 | 2675 | 5994 |
| "Reso-Garant" | 86, 70 | 455 | 3601 |
| "AbsoluteInsurance" | 84, 80 | 8 | 120 |
| "Consent" | 78, 74 | 424 | 2512 |
| "UGORIA" | 77, 5 | 140 | 1040 |
| "Renaissance Insurance" | 69, 09 | 237 | 1429 |
| "CAPITAL life" | 64, 70 | 57 | 232 |
| "Ingosstrakh" | 62, 66 | 102 | 1148 |
How trustworthy are ratings?
If we look at the ratings and trace the correlation between the results presented by them, we can find out that even top companies that are in first place in certain ratings can have different results depending on who provides the platform. At the same time, even after conducting a superficial study, comparing several sources, you can see that in most cases VTB-Insurance, Alfa Insurance or Renaissance Insurance somehow fall into the top ten. It is connected not so much withthe presence of immutable objective factors that do not allow these enterprises to fly out of the top, as much as the fact that the companies have already gained a certain reputation. But this tends to be for general corporate listings. You can still find the truth in individual expert tops. And speaking of user ratings, as already stated, this option is the least objective, unless you want to read what people write.
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