Rating of insurance companies in Russia. Press about insurance, insurance companies and the insurance market Expert rating of insurance companies

The main indicator by which the rating of insurance companies for CASCO is compiled is the reliability of the company, the ease of obtaining compensation, as well as the cost of the services offered. Depending on who compiles this list, certain additional factors may be taken into account.

The general rating of insurance companies for CASCO is compiled on the basis of statistical data obtained from both companies and users. An important role is played by the assessment of expert bureaus and the number of trials.

Insurer rating agencies represented in Russia

Unlike compulsory insurance, CASCO insurance is purchased at will. It is because of this that special attention is paid to the choice of company. In order to choose a company, you can consider several ratings. First of all, this is an expert opinion compiled by the well-known rating agency RAEX (or Expert RA). When compiling this list, the financial condition of the company is taken into account, as well as the effectiveness of investment risk management and the overall rating of the company.

Also known judicial and popular ratings. In the first case, the top shows which companies are most likely to meet in court in order to obtain the due compensation. The people's rating is determined directly by the clients of certain CASCO agencies themselves.

Reliability parameters by which insurers are assessed

What factors do citizens and professional rating agencies pay attention to? First of all, on the financial reliability of the company (based on data from the Central Bank and the Federal Tax Service). Secondly, this is the quantity and speed of payments under insurance contracts.

The number of branches, the speed of an expert’s departure in the event of an accident, the possibility of remote assessment and the number of trials also play an important role. Rating agencies take into account all these parameters, while ordinary car owners, as a rule, give ratings solely depending on their own experience and impressions.

Ratings

Let's look at the top 5 companies offering CASCO insurance, according to the Expert RA rating for 2019.

The ruAAA rating indicates that the company is a leader with the highest degree of reliability and the most preferential insurance rules. The ruAA+ rating also guarantees receipt of the due compensation in the amount and within the time frame specified in the contract.

It should be noted that the percentage of appeals to the court is also influenced by the number of citizens directly insured by a given company. The greater the number of cars insured under CASCO, the higher the likelihood that a conflict will occur and one of the parties will sue.

These indicators can help newbies decide on companies, as well as initially exclude offers from the most problematic insurers.

Key players in the auto insurance market in Russia

All companies presented in the above ratings are large organizations with offers not only regarding CASCO insurance, but also other services.

Among all the others, there are several main “players” in the market:

• Alpha insurance;
• Renaissance Insurance;
• Tinkoff Insurance;
• VTB Insurance.

Why do we separately note the role of these insurance organizations? The fact is that these companies are primarily banking institutions that also provide MTPL and CASCO insurance, both for their clients and for everyone.

It is necessary to take into account the volume of cars that are issued on credit or lease in these banks. Obviously, any such vehicle is subject to full insurance against accidents, theft, etc., that is, CASCO registration. Considering that each bank offers and insists on drawing up an agreement with its own insurance company, it should be noted how profitable and safe it is.
The ratings and assessments of experts regarding the above insurance companies prove that regardless of whether you have a loan and whether you are obliged to take out CASCO from these companies, CASCO is carried out on the most favorable terms.

Also one of the main leaders among all insurance companies is Ingosstrakh. One of the first organizations on the market over many years has proven that it works exactly as agreed and there are almost never any difficulties with receiving compensation.

Rating of insurance companies for CASCO payments

First of all, any car owner who has taken such a step and insured his car against all ills is interested in payment under CASCO if the need arises. No matter how strange it may seem, the indicators of rating agencies often differ from the ratings of motorists.

This also happens due to the fact that a person considers solely how the insurance company communicated with him and what compensation was in his case, and also due to the fact that even the best company can sometimes reduce the amount of payment. It should be understood that the task of rating agencies is to take into account all aspects of companies, while motorists are interested separately in their insured event.

1. Rosgosstrakh.
2. RESO Guarantee.
3. Agreement.
4. SOGAZ.
5. INGOSstrakh.
6. Alpha Fear.
7. Renaissance-Fear.
8. Alliance Insurance.
9. VTB Insurance.

Top 10 companies according to motorists

The public rating is based mainly on the opinions of motorists, as well as on the overall impression of working with an insurance company. This rating of CASCO insurance companies was compiled in 2019, taking into account all the ratings and reviews of real clients.

1. INGOSstrakh.
2. Zetta.
3. RESO insurance.
4. Liberty.
5. Agreement.
6. Alpha insurance.
7. SOGAZ.
8. URALsib.
9. Tinkoff insurance.
10. Max.

As can be noted, according to this list, one of the undisputed and most firmly established leaders in the market is the Ingosstrakh company, which is in the TOP, both among the people's choice and from the professional side.

Having studied all the rating data, as well as real reviews from car owners, even a beginner can easily decide which company will best suit his requirements and wishes. There are several factors that should also be considered before insuring your car:

1. Ratings do not always provide guarantees. Unfortunately, even companies with an ideal reputation and excellent ratings can from time to time behave differently from what was written about them in reviews. This largely depends on the manager and employee of a particular office. In any case, it is recommended to take additional insurance and carefully study the insurance contract before signing it. Don't trust only positive reviews.
2. Having an office in your region is an extremely important factor that many people forget about. In the event of an accident or any problem, you will have to visit the office yourself to receive compensation, clarify details, etc. In addition, how quickly an expert will arrive depends on the distance of the organization. Therefore, be sure to consider this aspect before registration.

When compiling ratings of insurance companies, the financial performance of insurers and the results of popular voting are assessed. The frequency of litigation involving insurance companies and the compliance of CASCO rules are also taken into account.

Expert rating of insurance companies

The expert rating of insurance companies (or the reliability rating of insurance companies) is compiled on the basis of data from the authoritative rating agency "Expert RA". When determining the rating, the financial performance of insurers is assessed. According to the Expert RA classification, the following assessments are used:

• Maximum level of reliability.
• , , Very high level of reliability.
• , ,High level of reliability.
• , ,Satisfactory level of reliability.
• , ,Satisfactory level of reliability.
• , , Low level of reliability.
• Very low level of reliability.
• Unsatisfactory level of reliability.
• Failure to fulfill obligations.
• A temporary administration was introduced.
• Bankruptcy, license revocation, liquidation.

• 3 IC – rating “Maximum level of reliability” (ruAAA): VTB Insurance, Ingosstrakh, SOGAZ.
• 11 SK – rating “Very high level of reliability” (ruAA+, ruAA, ruAA-): AIG, AlfaStrakhovanie, Alliance, VSK, Liberty Insurance, MAX, Renaissance Insurance, RESO-Garantiya, RSHB-Insurance, Energogarant, ERGO.
• 8 SK – rating “High level of reliability” (ruA+, ruA, ruA-): Absolut Insurance, Zetta Insurance, PARI, Rosgosstrakh, Spasskie Vorota, Surgutneftegaz, Chulpan, Yugoria.
• 10 SK – rating “Satisfactory level of reliability” (ruBBB+, ruBBB, ruBBB-, ruBB+, ruBB, ruBB-): Adonis, ASKO-INSURANCE, Astro-Volga, Helios, Geopolis, D2 Insurance, OSK, Soglasie, Tinkoff Insurance, UralSib .
• 1 SK – rating “Low level of reliability” (ruB+, ruB, ruB-): Help.

A high rating (ruA- or higher) is recognition of the company’s reliability by the expert community. The described situation reflects the situation as of May 30, 2019.

People's rating of insurance companies

Policyholders evaluate a variety of non-obvious performance indicators of insurance companies. Among them, for example, the quality of services, the friendliness of the staff, the speed of service, the speed of processing the necessary documents, and so on. At the same time, a regional company may receive a high rating, while a large insurance organization with an extensive branch network, on the contrary, may “go into the red.”

The national rating of insurance companies has a number of features. Thus, policyholders are much more likely to share bad experiences, and there are more negative reviews than neutral or positive ones. In addition, reviews are not always objective. Sometimes messages with an overly emotional tone are left by policyholders who themselves violated the terms of the contract and did not receive compensation as a result of their own actions.

Anyone can influence the formation of the people's rating - to do this, just leave a review of the work of the insurance company.

Financial rating of insurance companies

Financial rating compares insurers based on statistical indicators. The financial rating is based on the official reports of insurers, which are published quarterly by the Central Bank of Russia. Sales of insurance services to legal entities and individuals are taken into account.

The key indicator being assessed is the level of payments. The payout rate shows the percentage of premiums that the insurance company paid out as claims per year. The optimal payout level on the Russian market is approximately 55-65%.

If the percentage is too high (say, 75% or higher), the insurance company inadequately assesses the risks or significantly reduces sales volumes. Both situations indicate potential financial problems for the insurer.

If the percentage is too small (say, 40% or less), the insurer is likely to save on payments. The company underestimates the amount of insurance compensation or often refuses to pay for insured events. This hypothesis is indirectly confirmed by the judicial rating of insurance companies. If a company skimps on payouts, it almost certainly also has a high litigation rate relative to its reported losses.

Judicial rating

The court rating evaluates how many lawsuits involving an insurance company occur per reported insured event. Insurers do not always sue policyholders. Sometimes two insurance companies act as opponents in court. Financiers also litigate against other legal entities in non-insurance cases, such as landlords or government agencies.

However, practice shows that the lion's share of litigation falls on litigation with policyholders. That is why the judicial rating of insurers makes it possible to fairly accurately assess the likelihood of litigation when filing an insured event.

Loyalty rating of insurance rules

The CASCO loyalty rating helps to understand how much the company's voluntary car insurance rules take into account the interests of the car owner. The higher the loyalty of the rules, the less likely it is that controversial situations will arise when settling a loss.

Before insuring a car, many motorists look at the ratings of MTPL insurance companies that provide insurance services. This allows you to choose the best insurer. After all, rating developers focus not only on the financial performance of companies, but also on reviews from real clients. The ratio of payments to refusals and the average amount of compensation are also taken into account. This is important, because according to the Central Bank, about 2.7 million people applied for compensation under MTPL policies. True, 3.4% of requests were refused.

Main evaluation criteria

According to Law No. 40-FZ of April 25, 2002, owners of any vehicles must insure their motor vehicle liability. This is stated in Art. 4 of the said law. You can choose the best insurer if you look at the ratings of companies.

To evaluate the activities of companies that deal with insurance, several criteria are taken. This comprehensive approach allows us to create the most objective rating. Taken into account:

• reliability of the company;
• size of the authorized capital;
• reviews and evaluation of the insurer’s activities by real clients;
• the amount of insurance payments.

Depending on performance indicators, certain rating categories are assigned. The highest indicator is “A”. It can only be obtained by reliable companies, which immediately pay compensation when an insured event occurs.

A “B” rating is given to those firms that do not have problems with liquidity, but have delays in payments. It is not recommended to consider organizations that received a “C”, “D” or “E” based on the results 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 license (not at the initiative of the company).

Rules for choosing an insurance company

It is advisable to choose a company that has been insuring civil liability of car owners for several years. You should only trust those who have been assigned an “A” reliability rating. The official rating of MTPL companies is based on financial statements and information from the Central Bank. They do not allow an objective assessment of the work of insurers.

Periodicals on automotive topics and statistical companies sometimes create their own “popular” ratings. They are based on reviews from car owners.

Rating agencies

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

Expert RA evaluates:

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

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

Expert rating of insurance companies for compulsory motor liability insurance

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

Reliability rating of insurance companies according to OSAGO

• SOGAZ - 4.8
• ERGO - 4.7
• VTB Insurance - 4.6
• Ingosstrakh - 4.6
• Rosgosstrakh - 4.6
• AIG / former Chartis - 4.5
• Surgutneftegaz - 4.5
• MAX - 4.5
• RESO-Garantiya - 4.4
• Chulpan - 4.4
• Spassky Gate - 4.4
• RSHB-Insurance - 4.4

Rating of insurance companies for MTPL payments

People's rating of insurance companies

• JSC "Intach Insurance"
• Renaissance Insurance
• AlfaInsurance
• Zetta Insurance
• Yugoria
• Soldier
• Ingosstrakh
• ZHASO
• Tinkoff Insurance
• UralSib Insurance
• BIN Insurance
• RESO-Garantiya
• SOGAZ
• Energy guarantor
• Agreement
• MAX
• Rosgosstrakh

Assessment and analysis of the activities of the insurance company

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

The best insurance companies in Moscow

Experts, based on Central Bank statistics, assessed the activities of various companies and created a list.

The leading position is held by the joint venture "ZHASO". She has a minimal failure rate (only 0.5%). The amount of her compensation is also not large and on average amounts to almost 45 thousand rubles. And this is less than the average level of compensation by 3 thousand rubles. According to RAEX and RA Expert, the company has been assigned an exceptionally high level of A++. Total annual contributions for compulsory motor liability insurance amount to 2.5 million rubles.

The results of the Ugoria company are no worse. They denied refunds to 0.7% of their customers. The amount of their contributions is 3.1 million rubles. The main shareholder of the company is Khanty-Mansiysk Autonomous Okrug. But this does not mean that it only works within its limits. The company has more than 60 representative offices in the Federation. The average amount of payments is 44 thousand rubles. But according to RA “Expert” the company was given an “A” rating, its rating is under observation. Analysts say it is a growing company.

IC "MAX" has been on the market since 1992. But she has been involved in compulsory motor liability insurance since 2003. After all, this type of activity requires a special license. This is stated in Art. 1 of Law 40-FZ of April 25, 2002. 0.8% of applied clients are rejected by IC MAX. The amount of average insurance compensation for this company is small - 35.4 thousand rubles. According to the analysis of RA Expert, this is a reliable company with a stable development forecast. Under the MTPL program, the amount of contributions to IC MAX is 3.7 billion rubles.

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

Firm failure rates "Alpha Insurance" the same as for SD "VSK". Their average payment amount is slightly lower - 41.8 thousand rubles. The total amount of their contributions is 10.6 billion rubles. This is a company that was assigned an “A++” rating by Expert RA. 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 clients who apply. Judging by the total amount of contributions, the company is not very popular. The total amount of insurance under MTPL 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 raised under compulsory motor liability insurance policies. The Expert rating agency assesses the reliability level of Uralsib as “A+”. It was increased, and the further development forecast is stable.

A subsidiary of an oil production company is popular Transneft with the same name. Since 2013, its owner has been the SOGAZ company. According to RA Expert, since 2011 it has held the position “A++”. But her payments are small - the average amount of compensation is 17.5 thousand rubles. She refuses 2.4% of clients. But few take insurance from her. The total amount of investments under MTPL policies is 0.4 billion rubles.

SPAO "Ingosstrakh" gives a refusal to 3.3% of people who apply. Their compensation averages 40.5 thousand rubles. The total amount of insurance under MTPL policies is 15.5 billion rubles. This is a reliable company with an A++ rating and a stable forecast for further development.

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

But that's not all rated insurers are. Don't forget about "RESO-guarantee" with an A++ rating. The amount of insurance premiums for compulsory motor liability insurance is quite large and amounts to 27.6 billion rubles. But they have a high number of refusals – 4.8%. The amount of compensation is 43.8 thousand rubles.

The average level of insurance claims for the Renaissance-Insurance group is quite large. They pay almost 53 thousand rubles. But 5.1% of those who applied refuse to pay compensation.

When choosing an insurance company, you need to take all this data into account. This is the only way to choose the best insurer, who will definitely pay the due compensation when an insured event occurs.

Choosing an insurance company, especially if up to this point you have had nothing to do with such companies, is very difficult. After all, the Russian insurance market today is quite unstable, and you don’t really want to find out from personal experience: whether the insurer pays promptly, whether they comply with the deadlines established in the contract, how often there are refusals and what they are connected with, is it?! Therefore, I decided to help you understand all this by collecting everything you need in one article: the reliability rating of insurance companies and the conditions offered by the most reliable of them.

Let's start directly with the rating, or rather with what we evaluate with it. As a rule, the most objective is the ranking compiled by the Expert rating agency, which assigns each insurance company a certain index in the form of Latin letters with or without pluses. At the same time, the most unscrupulous companies are classified as “E”, and the best ones are classified as “A++”. The main criterion for a company’s relationship with a particular letter is its solvency, which is understood as the ability to fulfill its responsibilities in full. That is, in order for an insurer to be assigned the “A++” index, it is necessary that its financial position allows it to pay insurance premiums for all policies sold. But even if there is such a possibility, this is not yet a guarantee that the insurance company will occupy the first lines of the rating, because the latter also takes into account the financial stability of the insurer, which is determined by the following parameters:

• the period of existence of the company and its size,
• presence of branches,
• volume and stability of the customer base,
• balance of the insurance portfolio,
• investment and reinsurance policy,
• stability of financial flows,
• business reputation
• and, of course, the adequacy of your own financial resources.

Rating of insurance companies for 2013.

So, what do we have for April 2013?

An exceptionally high level of reliability – “A++” – have:

1. "AlfaStrakhovanie"(confirmed 04/04/2013)

Company advantages:

• VIP service programs,
• “hotline” 24 hours a day and discounts for careful drivers up to 20 percent.

Basic conditions:

• depreciation of the car by year as a percentage of the cost is calculated as follows: 1 year - 18%, 2 year - 15%, all subsequent years - 10%;
• free evacuation in Moscow and 30 km away. from her;
• The deadline for filing a claim for damage is 5 days, but it must be reported within 24 hours;
• The deadline for filing a theft report is 24 hours.

2. "Alliance"(formerly ROSNO) (confirmed 08/27/2012)

Company advantages:

• reimbursement of costs for replacing keys if they are stolen or lost,
• interest-free installment payment for the policy,
• insurance in case of loss of marketable value of the car.

Basic conditions:

• non-aggregate (irreducible) insurance value of the car;
• the period for payment of compensation after the provision of all documents is 15 days;
• compensation for theft occurs when a criminal case is initiated;
• car depreciation is calculated annually as 18 percent of the cost of the car;
• constructive loss of a car is recognized when damage exceeds 75%;
• The deadline for filing a claim for damage is 3 days.

3. "VSK"(confirmed 03/05/2013)

Company advantages:

• free inclusion in the policy of drivers with little experience,
• the possibility of receiving payments regardless of the place where the policy was obtained and a discount for experienced drivers of up to 30 percent.

Basic conditions:

• car depreciation by year as a percentage of the cost is calculated as follows: 1 year - 18%, 2 year - 15%, all subsequent years - 12% each;
• constructive loss of a car is recognized when damage exceeds 75%;
• The deadline for filing a claim for damage is 3 business days.

4. "VTB Insurance"(confirmed 11/26/2012)

Basic conditions:

• reduced or non-reduced insurance value of the car - your choice;
• the period for payment of compensation after the provision of all documents is 15 days;
• depreciation of the car by year as a percentage of the cost is calculated as follows: foreign cars 1 year - 20%, all subsequent years - 15% each; domestic cars 1 year - 18%, all subsequent years - 12% each;
• constructive loss of a car is recognized when damage exceeds 75%;
• The deadline for filing a claim for damage is 5 working days, notify within 24 hours;
• The deadline for filing a theft report is 2 business days, notify within 24 hours.

5. "Ingosstrakh"(confirmed 01/14/2013)

Company advantages:

• compensation for damage
• caused by any animals,
• cash and non-cash payment methods,
• free delivery policy.

Basic conditions:

• non-aggregate (irreducible) insurance value of the car;
• the period for payment of compensation after submitting all documents is 15 working days;
• compensation for theft occurs 15 days after the suspension of the criminal case;
• depreciation of the car by year as a percentage of the cost is calculated as follows: 1 year - 20%, all subsequent years - 10%;
• free evacuation in Moscow and the Moscow region;
• constructive loss of a car is recognized when damage exceeds 75%;
• The deadline for filing a claim about damage or theft is 7 calendar days.

6. "MAX"(confirmed 10/18/2012)

Company advantages:

• insurance of any car configuration and discounts of up to 50 percent when installing a satellite tracking system.

Basic conditions:

• non-aggregate (irreducible) insurance value of the car;
• the period for payment of compensation after submitting all documents is 20 working days;
• compensation for theft occurs within 30 days after the initiation of a criminal case;
• depreciation of the car by year as a percentage of the cost is calculated as follows: years 1 and 2 - 15%, all subsequent years - 12% each;
• free evacuation within Moscow and 30 km. from her;
• constructive loss of a car is recognized when damage exceeds 80%;
• the deadline for filing a claim for damage is 10 days;
• The deadline for filing a theft report is 2 days, report within 24 hours.

7. "Renaissance Insurance"(confirmed 04/28/2012)

Company advantages:

• free delivery policy,
• “hotline” and SMS customer support around the clock,
• as well as the opportunity to purchase a policy via the Internet with a discount of up to 50 percent.

Basic conditions:

• non-aggregate (irreducible) insurance value of the car;
• the period for payment of compensation after submitting all documents is 22 working days;
• constructive loss of a car is recognized when damage exceeds 75%;
• The deadline for filing a claim for damage is 10 working days;
• The deadline for filing a theft report is 3 business days, notify within 24 hours.

8. "RESO-Garantiya"(confirmed 11/16/2012)

Company advantages:

• VIP service programs,
• technical assistance on OSAGO and CASCO,
• as well as the services of an emergency commissioner.

Basic conditions:

• non-aggregate (irreducible) insurance value of the car;
• the period for payment of compensation after submitting all documents is 20 days;
• compensation for theft occurs when a criminal case is initiated;
• free evacuation in Moscow and within 50 km. from her;
• The deadline for filing a claim for damage is 10 days, but it must be reported within 24 hours;
• The deadline for filing a theft report is 3 business days, please report immediately.

9. "Rosgosstrakh"(confirmed 04/04/2012)

Basic conditions:

• reduced or non-reduced insurance value of the car - your choice;
• the period for payment of compensation after the provision of all documents is 25 days;
• compensation for theft occurs when a criminal case is initiated;
• depreciation of the car by year as a percentage of the cost is calculated as follows: 1 year - 20%, 2 year - 15%, all subsequent years - 12% each;
• constructive loss of a car is recognized when damage exceeds 75%;
• The deadline for filing a claim about damage or theft is 3 days, report immediately.

10. "Agreement"(confirmed 06/06/2012)

Company advantages:

• free delivery policy,
• possibility of payment in 4 stages or purchasing a policy on credit.

Basic conditions:

• reduced or non-reduced insurance value of the car - your choice;
• the period for payment of compensation after submitting all documents is 10 banking days;
• compensation for theft occurs when a criminal case is initiated;
• free evacuation in Moscow and within 30 km. from her.

11. "UralSib"(confirmed 01/30/2013)

Basic conditions:

• non-aggregate (irreducible) insurance value of the car;
• the period for payment of compensation after submitting all documents is 10 days;
• compensation for theft occurs within 10 days after the suspension of the criminal case;
• depreciation of the car by year as a percentage of the cost is calculated as follows: 1 year - 20%, 2 year - 15%, all subsequent years - 10%;
• free evacuation in Moscow and 50 km away. from her;
• constructive loss of a car is recognized when damage exceeds 70%;
• The deadline for filing a claim for damage is 5 working days, notify within 1 working day;
• The deadline for filing a theft report is 2 business days, please report it immediately.

A very high level of reliability – “A+” – have:

1. "Guta-Insurance" (confirmed on March 26, 2012);
2. “ZHASO” (confirmed 09/19/2012);
3. "ORANTA" (confirmed 03/18/2013);
4. "MSK" (confirmed 10/23/2012);
5. "Surgutneftegaz" (confirmed on April 16, 2012);
6. "Zurich" (confirmed 12/13/2012);
7. "ERGO Rus" (confirmed 08/01/2012).

The following have a high level of reliability – “A”:

1. “BIN Insurance” (confirmed on January 25, 2013);
2. "Hyde" (confirmed 08/08/2012);
3. "Intouch Insurance" (confirmed on 08/07/2012);
4. "MSC" (confirmed 08/16/2012);
5. "OSK" (confirmed 01/16/2012);
6. "Helios" (confirmed 02/05/2013);
7. "D2 Insurance" (confirmed 01/09/2013).

Russian car owners generally have a positive assessment of the system of compulsory motor third party liability insurance. However, over 70% of controversial situations in domestic insurance are related specifically to “automobile insurance”. This is why the right choice of insurance company when purchasing compulsory motor liability insurance is so important. Ratings of insurance companies are designed to make it easier to find a suitable insurer.

• Rating of insurance companies for compulsory motor liability insurance based on statistical information;
• Current national rating based on reviews of policyholders for 2011-2013.

OSAGO rating: assessment of financial performance of insurers

Table 1. Leaders of the Russian MTPL market in 2012.

It should be noted that insurers’ fees for compulsory motor liability insurance are distributed extremely unevenly:

• The market share of Rosgosstrakh exceeds 32%;
• The three largest Russian companies account for over 50% of the market;
• Fifteen largest companies in Russia collected 85% of the insurance premium for compulsory motor liability insurance.

Rosgosstrakh is the undisputed leader in this rating. The second and third places are occupied by Ingosstrakh and RESO-Garantiya, respectively. It is these three companies that have the most developed branch network, which allows them to cover regions where other companies are poorly represented.

Other financial indicators

A significant amount of insurance premium is not the only indicator of a company’s reliability. A more objective assessment is possible with an additional comparison of the level of payments by insurers under MTPL for the reporting period:

• An extremely high level of payments may indicate that this type of insurance is unprofitable for a particular company. This may force the insurer to use various unpopular methods of reducing the total amount of payments (refusal to pay under compulsory motor liability insurance, understating the amount of compensation). From the point of view of the car owner, this situation is far from ideal.
• An extremely low level of payments is also an alarming sign for the policyholder. Deviations from the market average are possible, but a significant difference most often indicates a high percentage of refusals to pay compensation under compulsory motor liability insurance.

The average market level of payments under compulsory motor liability insurance among the 15 largest insurance companies in Russia is 56.6%. At the same time, companies with payout levels between 42% and 67% can be considered relatively stable. An abnormally high level of payments (more than 70%) is typical for several companies (MSK Insurance Group, MAKS, Rossiya). If the situation does not change, they may face financial problems in the future.

People's rating for compulsory motor liability insurance for 2013

An expert rating allows you to consider insurance companies from the point of view of objective indicators. However, it is also necessary to take into account subjective data: the level of service of the insurance company, the speed of customer service, the friendliness of employees. It is for these purposes that there is a national rating for 2013. When compiling the rating, the following are taken into account:

• Reviews of insurance companies from users of the Insurance Guru portal;
• People's ratings of insurance companies on leading insurance resources in Russia.

Table 2. People's rating for compulsory motor liability insurance for 2013.

It is noteworthy that the top two lines of the national rating are occupied by insurance companies with a similar business model:

• Intach and Liberty Insurance are owned by large foreign financial groups;
• The share of both companies in the MTPL market is relatively small;
• A similar approach to working with clients is sales without intermediaries;
• A significant portion of insurance premiums comes from Internet and telephone sales.

The listed points partly explain such a high position of Intach and Liberty in the ranking:

1. Working without intermediaries means, on average, a higher level of service for car owners. Insurers with an extensive branch network receive a considerable number of negative reviews regarding compulsory motor liability insurance due to the fault of unscrupulous insurance agents in certain regions.
2. The ratings of larger companies often suffer due to the greater number of reviews (and, as a result, more negative reviews).

It should be remembered that even the summary rating of policyholders’ reviews for compulsory motor liability insurance is quite subjective, because the level of service in an organization can vary significantly depending on the region. However, it allows you to determine which companies policyholders distinguish from others. Having decided on the choice of insurance company using ratings and reviews, you can calculate the cost of the policy for your car for