Russian roads are full of surprises. And not always pleasant. Therefore, responsible car owners prefer to insure their iron horse from any type of damage by buying a CASCO policy. He will give a guarantee that car theft or accident will not entail excessive financial costs.
We present to your attention a list of the top 10 CASCO 2020 insurers. The selection is based on the rating of Expert RA agency and data from the Sravni.ru website, which is visited by at least 5 million people every month.
When allocating seats in this top 10, both the total number of complaints about the insurer and the average rating by users of the company’s work were taken into account. And also how much the insurance company values its reputation: how often representatives of the insurer appear in the comments and whether they help solve the problems that have arisen.
10. Ingosstrakh
Rating: 84
The old horse opens the list of the most popular motor hull companies in Russia, which, despite its considerable age, does not spoil the insurance furrow. Judging by the Expert RA rating, Ingosstrakh is one of the most reliable insurance companies in the CTP and CASCO markets, 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 a little spoiled by a not-so-impressive mark of the rating put forth by the company's website visitors. 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 part of the major league, where entry is open only to the largest Russian insurers. Judging by the results of last year, Alfa Insurance fees amounted to 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 campaign of the company: for a neat ride without insurance events (at least those in which the driver is not to blame), the driver is credited with a cashback. “Safe” drivers have already received payments totaling more than 300 thousand rubles.
8. Liberty Insurance
Rating: 102
Earlier, Liberty Insurance was considered one of the most reliable insurance companies on the market. For the most part - thanks to joining the international holding Liberty Mutual. However, after the change of ownership of the company (Libery sold it to PJSC Sovcombank), the rating of the company decreased, although not by much.
The priority of Liberty is a motor hull, which accounts for 26.7% of the total number of insurance premiums. Unlike other participants in the rating of the most reliable insurance companies in the CASCO market, who have designated Moscow as their base of activity, Liberty prefers the northern capital. Slightly more than 54% of contributions for the past year were received by the company in St. Petersburg.
7. ERGO
Rating: 112
Perhaps this is the most "casco-oriented" insurance company in the ranking. CASCO policies account for an impressive 62.3% of the total insurance portfolio of the group.
As in the case of Liberty, the ERGO rating crippled the withdrawal 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. Ugoria
Rating: 112
Unlike other companies participating in the rating of the best insurance companies by CASCO, Ugoria operates mainly outside the Urals. The region in which the company collected the largest number of contributions is Khanty-Mansiysk.
And he does it at a high level, judging by the estimates of visitors to the site "Compare.ru". Although this assessment at first glance seems modest - 4.1 points out of 5 - but at least it has exceeded the “four”. The rest and even less - from 2.1 to 3.8.
5. Consent
Rating: 114
One of the rare non-state birds among the major insurers of Russia. She specializes mainly in car insurance, with a motor hull holding 44.5% in her portfolio. In second place is 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 its presence. In total, the company has about 350 offices throughout Russia.
“Consent” confirmed its good knowledge of the “zamoskovye” by analyzing statistics on motor hull insurance for 2019 by region and identifying the most dangerous cities for cars. It turned out that the most “traumatic” city for iron horses was Khabarovsk; there, the frequency of losses (that is, the ratio of losses on the motor hull to the total number of policies) reaches 52%.
4. Renaissance Insurance
Rating: 120
By the number of premiums, this company is among the top ten insurers throughout Russia. And although a year ago the Renaissance had difficult times — almost half of the assets were secured by another bank — it managed to deal with them quickly. The money was paid, the loan 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 conflict offers to quickly solve the problem. And it really solves, being a leader in the number of resolved conflicts and responses of representatives of the insurance company. For both of these indicators, Renaissance Insurance is almost twice as fast as the next company.
3. Absolute Insurance
Rating: 131
After rebranding in 2016, when Absolute Insurance emerged from the ashes of Euro-Polis Insurance Company, not only the name of the company changed, but also its attitude towards consumers. In 2017-2018 She received many awards for the quality of the services provided. Judging by the company's position in the ranking of the best CASCO suppliers in Russia in 2020, these awards are not an empty phrase.
“Absolute Insurance” specializes mainly in insurance against unpleasant surprises,
- followed by property insurance of legal entities,
- and in third place is the motor hull - 13.7%.
The most popular Absolute is among Muscovites and residents of the region - their contributions to the company's portfolio are most.
2. Zeta Insurance
Rating: 133
For six years, this successor to the Swiss insurance company Zurich, whose retail business was acquired by Olma and renamed Zetta Insurance, has been operating in the Russian market. It is mostly active in the regions - only a little more than a third of contributions come from Zetta to Moscow.
It is interesting that although Zetta won second place at Sravni.ru, the situation is changing at Banki.ru: there Zetta is in the first place, and the leader of the current rating of Tinkoff Insurance is in second. Note that Zetta is a long-time favorite of Banks.ru: there it is firmly in first place for the fourth year ago and is not going to take positions.
The insurers themselves are satisfied with their reputation. According to them, users are becoming even more discriminating, much more savvy, and to please them is not so simple. 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. At the beginning of this year, the vigilant Zeta employees had already exposed several fraudulent schemes for taking money from the company, including a rather large one, where traffic police officers were involved.
1. Tinkoff Insurance
Rating: 136
The highest rating of users for CASCO policy services was awarded to Tinkoff Insurance. In itself, it is relatively small, and in terms of the number of contributions it occupies only 32nd place among all insurers in Russia. However, the company is included in the unified financial system of the group of the same name, including customers of a very creditworthy bank.
Tinkoff Insurance primarily deals with protection against unforeseen troubles, as well as automobile insurance - CTP and CASCO. True, the geographical prevalence of the company's customers is not high - more than 70% of the premiums paid went to one city, Moscow.
The company is developing rapidly, and over the past year its own funds grew by a staggering 81.1%. She also clearly cares about her reputation in the eyes of users - in terms of the number of problems resolved at Sravni.ru, Tinkoff Insurance is in second place, and in the number of responses from representatives of the insurance company in third.
