Russian roads are full of surprises. And not always pleasant. Therefore, responsible car owners prefer to insure their iron horse against any type of damage by purchasing a CASCO policy. It will guarantee that the theft of a car or an accident will not entail unaffordable financial expenses.
We present to your attention a list of the 10 best CASCO insurers of 2020. The compilation is based on the rating of the Expert RA agency and data from the Sravn.ru website, which is visited by at least 5 million people every month.
When distributing places in this top 10, both the total number of complaints against the insurer and the average rating of the company's work by users were taken into account. And also how much the insurance company values its reputation: how often the representatives of the insurer appear in the comments and whether they help to solve the problems that have arisen.
10. Ingosstrakh
Rating: 84
The list of the most popular auto hull companies in Russia opens with an old horse, which, despite its considerable age, does not spoil the insurance furrow. Judging by the rating of Expert RA, Ingosstrakh is one of the the most reliable insurance companies on the OSAGO market and CASCO, with high indicators of asset quality, solvency and an extensive network of insurance agents. Moreover, most of the contributions in the company's portfolio are motor hull payments - 25.8%. It would seem, what more could you want?
True, the impression is spoiled a little by the not very impressive score of the evaluation given by the visitors of the company's website. It is the lowest among the top ten insurance providers and is only 2.1 points.
9. Alpha Insurance
Rating: 100
The company has long been included in the major league, which is open only to the largest Russian insurers. Judging by the results of the last year, AlfaStrakhovanie's fees totaled an impressive figure of 373.2 billion rubles, showing an increase of almost 8%.
Those who want to purchase a CASCO policy in 2020 may be interested in the following promotion of the company: for a neat driving without insured events (at least for those in which the driver is not to blame), the driver is charged a cashback. "Safe" drivers have already received payments totaling more than 300 thousand rubles.
8. Liberty Insurance
Rating: 102
Previously, Liberty Insurance was considered one of the most reliable insurance companies on the market. For the most part - thanks to the entry into the international holding Liberty Mutual. However, after the change in the owner of the company (Libery sold it to PJSC Sovcombank), the company's rating dropped, although not by much.
The priority of Liberty's activity is auto hull insurance, which accounts for 26.7% of the total number of insurance premiums. Unlike other participants in the rating of the most reliable insurance companies on the CASCO market, who have designated Moscow as the base of their activities, Liberty prefers the northern capital. Just over 54% of last year's contributions were received by the company in St. Petersburg.
7. ERGO
Rating: 112
Perhaps this is the most “casco-oriented” insurance company in the rating. CASCO policies account for an impressive 62.3% of the group's total insurance portfolio.
As in the case of Liberty, ERGO's rating was crippled by the exit from the international insurance group ERGO (which, in turn, is part of an even larger entity, Munich Re Group).
Since the summer of 2019, ERGO has become the property of RESO-Garantia.
6. Yugoria
Rating: 112
Unlike other companies participating in the rating of the best insurance companies in terms of CASCO, Yugoria operates mainly outside the Urals. The region in which the company has collected the largest number of contributions is Khanty-Mansiysk.
And it does it at a high level, judging by the assessments of the visitors to the site "Sravn.ru". Although this estimate at first glance seems modest - 4.1 points out of 5 - but at least it has passed the "four". The rest have even less - from 2.1 to 3.8.
5. Consent
Rating: 114
One of the rare non-state birds among major Russian insurers. It specializes mainly in auto insurance, and auto hull covers 44.5% of its portfolio. The second place is occupied by OSAGO with a share of 18.7%.
Basically "Consent" operates in Moscow - it was there that a little less than half of the total number of insurance premiums was paid. However, the regions are not offended by her presence either. In total, the company has about 350 offices throughout Russia.
Soglasie confirmed its good knowledge of the Moscow region by analyzing the auto hull statistics for 2019 by region and identifying the most dangerous cities for cars. It turned out that the most "traumatic" city for iron horses is Khabarovsk; there, the frequency of losses (that is, the ratio of auto hull losses to the total number of policies) reaches 52%.
4. Renaissance Insurance
Rating: 120
In terms of the number of premiums, this company is among the top ten insurers throughout Russia. And although a year ago, Renaissance had difficult times - almost half of its assets were pledged by another bank - it managed to deal with them promptly. The money was paid, the loan was repaid ahead of schedule.
Renaissance clearly pays great attention to working with clients. The company actively monitors user reviews about itself and, in case of conflicts, offers to quickly solve the problem. And he really decides, being the leader in the number of resolved conflicts and answers of representatives of the insurance company. In both these indicators, Renaissance Insurance is almost twice as ahead of the next company.
3. Absolute Insurance
Rating: 131
After the rebranding in 2016, when Absolut Insurance emerged from the ashes of the Euro-policy ISK, not only the name of the company changed, but also its attitude towards consumers. In 2017-2018 it has received many awards for the quality of its services. Judging by the company's position in the rating of the best suppliers of hull insurance in Russia in 2020, these awards are not an empty phrase.
Absolut Insurance specializes mainly in insurance against unpleasant surprises,
- followed by property insurance of legal entities,
- and the third place is occupied by auto hull insurance - 13.7%.
The most popular "Absolute" is enjoyed by Muscovites and residents of the region - their contributions are the largest in the company's portfolio.
2. Zetta Insurance
Rating: 133
For six years now, this heiress of the Swiss insurance company Zurich, whose retail business was bought by Olma and renamed Zetta Insurance, has been operating on the Russian market. It is active mostly in the regions - only a little more than a third of Zetta's contributions go to Moscow.
It is interesting that although Zetta got the second place on Sravny.ru, the situation is changing on Banki.ru: there Zetta is in first place, and the leader of the current rating, Tinkoff Insurance, is in second. Note that "Zetta" is an old favorite of "Banki.ru": there she firmly sits in first place for the fourth year ago and is not going to give up positions.
The insurers themselves are satisfied with their reputation. According to them, users are becoming even more choosy, much more savvy, and not so easy to please. Therefore, the goal of "Zetta" is to raise the quality of service even higher, to a height unattainable for competitors.
However, the insurance company is not going to give out money just like that.Earlier this year, vigilant Zetta employees exposed several fraudulent schemes to take money from the company, including a rather large one, where traffic police officers were involved.
1. Tinkoff Insurance
Rating: 136
The highest rating from users for the services of providing a CASCO policy was awarded to the Tinkoff Insurance company. By itself, it is relatively small, and in terms of the number of premiums, it takes only 32nd place among all insurers in Russia. However, the company is part of a single financial system of the group of the same name, including clients of a very creditworthy bank.
Tinkoff Insurance is mainly engaged in protection against unforeseen troubles, as well as car insurance - OSAGO and CASCO. True, the geographic prevalence of the company's clients is low - more than 70% of the premiums paid fell on one city, Moscow.
The company is developing rapidly, and over the past year its own funds have grown by a stunning 81.1%. She also clearly cares about her reputation in the eyes of users - Tinkoff Insurance is in second place in terms of the number of resolved problems on Sravn.ru, and in third place in terms of the number of answers from representatives of the insurance company.