According to the information of the Central Bank in the past year, 2.3 million people applied for compensation for hull policies. However, 4.05% of policyholders were denied payment of insurance.
Insurance of a car in Russia often resembles the purchase of a cat in a poke. Alas, based on the available data it is difficult to determine whether the motorist will fall into the category of "refuseniks" or not. This situation is beneficial for insurers: in the absence of clear benchmarks for buyers, they do not have to compete with each other and improve the level of service. In fact all the same they will buy.
Introducing the rating of the insurance companies casco 2016 of the year. The list was compiled on the basis of information provided by RBC and the Central Bank on the cases resolved and refusals for compensation for the past year, as well as the average level of insurance payments.
See also: Rating of insurance companies OSAGO of 2016.
Contents:
- 10. Zetta Insurance
- 9. Alfa Insurance
- 8. Ingosstrakh
- 7. VSK
- 6. Renaissance Insurance Group
- 5. MAX
- 4. Zhaso
- 3. Yugoria
- 2. RESO-Garantia
- 1. Rosgosstrakh
10. Zetta Insurance
Operates on the Russian market since 1993 and until 2015 was known as SK Zurich. According to the hull, it refuses in 3.6% of cases. But the average amount of payments( 67,909 rubles) by 3.5 thousand rubles more than the average market( 64.4 thousand rubles).
9. AlfaStrakhovanie
One of the systemically important insurance companies in Russia. Its failure rate is 3.4%, but the average amount of payments is 70,943 rubles - 3,000 rubles higher than number 10 of the insurer's rating.
8. Ingosstrakh
One of the "mastodons" of the domestic insurance business. He is the legal successor of the Soviet Central Directorate of Foreign Insurance, which appeared in 1947.Now Ingosstrakh is among the ten Russian insurers, which speaks about the reliability of the company. With regard to failures in the casco policies, their percentage is 3.2%, and the average amount of payment is 49,841 rubles, this is below the market average of 14.6 thousand rubles.
7. VSK
Insurance Joint Stock Company "Military Insurance Company", which has an exceptionally high reliability rating( "A ++") from "Expert RA", denies motorists who apply for a motor vehicle insurance policy in 3% of cases. But if it pays insurance, then, on average, 69,506 rubles, 5.1 thousand rubles more than the average for the insurance market.
6. Renaissance Insurance Group
Operates on the Russian insurer market since 1997 and since 2014 has a stable outlook on the highest reliability rating of A ++.A low level of refusals of 2.8% and a generous enough payment( 77,410 thousand rubles on average) allowed this company to enter the top 10 Russian insurers with the most attractive hull conditions.
5. MAX
According to the hull, the percentage of failure at MAKS is 2.7%.And the average amount of payments leaves much to be desired - 55,699 rubles, which is less than the average market price of almost 9 thousand rubles.
4. JASO
The JASO estimates the payments quite severely, judging by the failure rate - it is 2.7%, and therefore the company gets only the fourth place in the rating. The average amount of payment for the casco is 64 499 rubles, which is almost equal to the average market.
3. "Yugoria"
"Yugoria" is a balanced option for motorists who prefer to make out both a motor hull and an OSAGO in one place. It is one of the top 2 most attractive compulsory motor third party liability companies, and in the rating by the helmet takes the third place( 2.6% of refusals).The payment is more than the average market indicators by 4.3 thousand rubles and is 68 734 rubles.
2. "RESO-Garantiya"
One of those companies where the insurance is better than OSAGO.If the percentage of failures brings the honorable second place in the rating( 2.4%) at the RESO-Garantia, then it is better not to formalize the OSAGO - the rejection rate of the whole 4.8%.The average amount of payments is 55 222 rubles and as a whole is 9 180 rubles less than the average market price.
1. Rosgosstrakh
Rosgosstrakh ranks as the insurance company's 2016 rating for the Casco in Moscow , St. Petersburg and the whole of Russia thanks to the lowest failure rate - just 2.2%.And the average payment is above the market average of 2 thousand rubles and is 66,398 rubles.
| Company | Contributions for Casco, billion rubles. | Average payment on the hull, rub. | Number of refusals in payments,% | Total score * |
|---|---|---|---|---|
| "Yugoria" | 2,2 | 68 734 | 2,6 | 30,8 |
| JASO | 0,7 | 64 499 | 2,7 | 30,1 |
| Renaissance Insurance Group | 9,2 | 77 410 | 2,8 | 29,7 |
| ASK | 13,1 | 69 506 | 3 | 29,5 |
| Rosgosstrakh | 25,1 | 66 398 | 2,2 | 29,4 |
| Alfa Insurance | 12,6 | 70 943 | 3,4 | 29,4 |
| Uralsib | 3.5 | 67 622 | 4.2 | 29.1 |
| Zetta Insurance | 2.1 | 67 909 | 3.6 | 26.5 |
| MAX | 2.1 | 55 699 | 2.7 | 25.9 |
| "Power Generator ยป | 2,8 | 72 010 | 8,5 | 25,2 |
| SOGAZ | 6.8 | 76 465 | 4.7 | 23.8 |
| ERGO | 4 | 85 328 | 5.7 | 23.6 |
| "RESO-Garantia" | 29,9 | 55 222 | 2,4 | 23,5 |
| Ingosstrakh | 28.1 | 49 841 | 3,2 | 22,5 |
| "Consent" | 14,8 | 67 159 | 6.1 | 22,5 |
| "VTB Insurance" | 0,8 | 88 760 | 11,4 | 21,8 |
| "Alliance" | 0,4 | 74 761 | 8,7 | 21,4 |
| Insurance group MSK | 4 | 65 826 | 7,5 | 19,6 |
| Transneft | 1,3 | 51 401 | 6.1 | 16,6 |
| Capital Insurance | 0,4 | 66 249 | 9,5 | 14, 8 |
* - taking into account the data of OSAGO.
