Rating of the best CASCO insurance companies

When a person buys a car, the first thing he, of course, thinks about its safety - alarm, search for a guarded parking lot or garage. However, any car can suffer in an accident, from the actions of car thieves, and if there is no CASCO insurance, then you will have to restore the car after the accident on your own, or hope for our valiant police that the thieves will be found and the car returned to the owner.

Based on all this, you need to think about car insurance. There are two main types of insurance in Russia:

OSAGO - you insure your liability, and in the event of an accident through your fault, the insurance company undertakes to pay all the costs of repairing the car of the injured party, this type of insurance is mandatory;
CASCO - you insure your car against theft or damage.

CASCO insurance is expensive - the annual cost of the policy can reach up to 20% from the price of the car. But, having such a policy, you don’t have to worry, because the insurance company will pay you to repair even the smallest scratch or dent, and in case of theft, you can get the entire amount of the car’s cost in your hands.

But, as it usually happens, insurance companies do not always fulfill their obligations, and the car owner faces the question - how to choose the most reliable and honest company? Many are guided by the reviews of acquaintances and are insured in those companies that friends will advise them. However, you can also choose an insurer based on the ratings of insurance companies, which are compiled annually by rating agencies.

Rating agencies award each company a score:

A ++ - this mark indicates that the insurer has a high reliability rating;
E - the least reliable insurance companies.

Also, the rating of companies is formed on the basis of customer feedback, the ratings are distributed on a scale from zero to sixty points.

Another of the estimates used to form the ranking of companies is the percentage of refusals - in how many cases clients were denied payments, and the ratio of this indicator to the total number of clients.

Let's see how the largest companies in Russia are located according to all these indicators.

According 12 months 2013 year, the rating on the reliability scale looks like this:

Insurance house "VSK";
VTB Insurance;
Renaissance;
RESO-Garantia;
UralSib.

All these companies received the highest rating of A ++ according to the results of the analysis of the expert rating agency of the Republic of Armenia.

If we consider how the estimates are arranged according to customer surveys, then the picture takes on a slightly different form:

RESO-Garantia - over 54 points;
Fear. house VSK - 46 points;
UralSib - slightly above 42 points;
Renaissance - 39,6;
Surgutneftegaz - 34,4 points.

If you look at the picture based on the share payment denials, then the ranking looks like this:

Ingosstrakh - 2 percent of failures;
RESO-Garantia - 2,7%;
Rosgosstrakh - 4%;
Consent - 6,6%;
VSK - 3,42%.

According to this coefficient, at the most last places out of 50 companies stand:

ASK-Petersburg;
RSTC;
SK Yekaterinburg;
Astro-Volga;
Merchant.

This rating is compiled by the NRA - the National Rating Agency, which builds its rating on the basis of data obtained from the insurance companies themselves. It is worth noting that the SC participate in this assessment completely voluntarily, and many of them do not advertise the results of their work and therefore do not participate in the rating.

When choosing an insurance company for issuing a CASCO policy, you need to take into account the whole range of data: