Rating of insurance companies in terms of CASCO payments. Top best

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In the financial services market, insurance companies occupy a leading position. However, this does not mean that absolutely all of these firms are reliable and stable. Sometimes, in situations where it is necessary to make a large payout, insurers begin to behave in the most unpredictable way, and the client has to go through lengthy litigation.

To minimize such risks, before concluding a CASCO agreement, you should carefully study the reliability rating of insurance companies.

How important is the financial situation of the UK

When compiling any rating of insurance companies for CASCO payments, regardless of whether it is popular or conducted by licensed agencies, it takes into account how financially stable the insurer is. In this case, it is necessary to pay attention to the following nuances:

• how much capital an insurance company has;
• the company's insurance liabilities cannot exceed the assets of the insurer's organization;
• any self-respecting and reliable insurance company always has reliable partners;
• tariffpolicy should be as open as possible.

In addition, when rating insurance companies for CASCO payments, a huge number of other nuances are taken into account, including the year the organization was founded and much more.

Standard designations in ratings

In order to make it more convenient to form the position of the UK, a conditional system for determining the trustworthiness of firms is provided. The highest indicator is marked with the Latin letter A. Firms that inspire the least confidence are rated D.

In addition, a "+" sign is often placed after the letter designation, which indicates that this SC has great advantages.

When compiling the rating of insurance companies in terms of CASCO payments, the level of quality of the services provided, how profitable the tariff plans of organizations and many other parameters are taken into account at the same time.

Ingosstrakh

The authorized capital of the company today is 74.9 billion rubles. At the same time, the UK received a fairly high mark of reliability A ++. If we talk about the level of payments for CASCO, then it is 74.5%. Only 1.8% of clients receive refusals upon the occurrence of an insured event.

This company is considered one of the best in the rating of insurance companies in terms of CASCO payments today. Ingosstrakh appeared back in 1947 and during this time has become the most popular in Russia.

If we talk about the features of insurance of this company, now it is possible to issue CASCO under the "Premium" program, which includes quite favorable conditions for customers. For example, the possibility of reimbursement of expenses for the evacuation of a car from the scene of an accident. In addition, the client does not have to visit the office in order to fix the insured event. All procedures can be performed remotely.

If the premium under the CASCO policy exceeds 80 thousand rubles, then the client can receive VIP status. This means that the insurance holder will be able to use the services of an accident commissioner and will receive directions for cash payments or car repairs directly at the scene of the accident.

Rosgosstrakh

This organization ranks second in the rating of insurance companies in terms of CASCO payments in the insurance services market. Its authorized capital today is almost 123 billion rubles. The rating of this COP is A++. At the same time, Rosgosstrakh clients receive refusals to pay very rarely (no more than 1% of all applicants).

This company was organized back in 1991, becoming the assignee of the State Insurance of the RSFSR.

If we talk about the benefits of CASCO in this UK, then it is worth highlighting:

• 24/7 customer service;
• opportunity to receive compensation for tow truck services (no more than 3 thousand rubles);
• loyal attitude towards drivers with little experience driving ATS.

In addition, after applying for payment, the IC does not require the submission of documents from the traffic police or other competent authorities.

VIP service can be obtained subject to an insurance premium of more than 75 thousand rubles.

RESO

If you focus on the top best insurance companies in terms of CASCO payments, then this organization is in third place. Today its authorized capital is equal to 58 billion rubles. The reliability rating is stable at A++. However, at the same time, 2.7% of those who applied for insurance claims receive refusals.

The company was founded in 1991 and today offers customers a standard package of services.

Alpha Insurance

This company occupies the 4th position in the rating of insurance companies in terms of CASCO payments. Its authorized capital today is 52.8 billion rubles. When assessing the reliability of A ++, this insurance company refuses to pay out in 2.6% of insured events. "Alfastrakhovanie" was founded in 2001.

If we talk about CASCO services, today the organization offers 3 types of insurance:

• "Naked Alpha". When contacting the company, it is necessary to provide certificates from the traffic police. In the event of illegal actions by one road user against the insurance policy holder, payment of damages is carried out only after a criminal case has been initiated.
• "Business". In this case, there is no need to provide references. If the cost of the car is more than 1.6 million rubles, then the services of an emergency commissioner are provided.
• "All inclusive". No references. The accident commissioner is provided regardless of the cost of the car.

VSK

Fifth place in the rating of insurance companies in terms of CASCO payments is SK, founded in 1992. The authorized capital of this company is a little more than 38 billion rubles. The reliability rating of "VSK" is the same as that of other rating leaders. If we talk about refusals for payments, then they are received by no more than 2.1% of those who applied. This is a fairly low figure.

If we talk about the standard CASCO package of this company, then in addition to round-the-clock customer service, all policyholders can use free towing services, regardless of the territorial location of a person.

Certificates from the traffic police are not required if the damage did not exceed 5% of the agreed sum insured. There is also the possibility of free collection of documents in the traffic police, if the policy premium is more than 25 thousand rubles.

Sogaz, Soglasie, Alliance and VTB are distinguished by good reliability indicators. All of them also received an A++ rating for reliability. At the same time, firms are distinguished by impressive authorized capital and favorable conditions for clients.

However, it should be borne in mind that ifa particular company is not in the rating of insurance companies in terms of CASCO payments in the market, they can still successfully exist and carry out their activities within the framework of the law. Therefore, when choosing an insurer, you should independently study reviews about it and clarify the level of its reliability.