Casco insurance of cars and other vehicles, in contrast to OSAGO, car tax is regulated directly by the insurance company, not by the state. In our time, any insurance company offers the consumer a service for issuing insurance under the hull, but not each of them guarantees reliability, acceptability of conditions and profitability of the insurance policy. According to statistics, approximately 2 million people a year apply for compensation for hull insurance policies of which 4% are refused. Based on the foregoing, compiled a rating of insurance companies for the Casco 2016-2017 on reliability , in which the level of financial well-being of each is rated as the highest A ++.
10
MAX
MAX opens the rating of insurance companies providing hull insurance for 2016-2017 on reliability. Multi-purpose insurance company MAKS, has been on the market since 1992 and has representative offices in almost all cities of Russia. The company's insurance premiums average 3.7 billion, the total amount of payments 2.8 billion rubles with a payout of 60%, which is a good result. But the average amount of payments is not at a high level-56,000 rubles, which is below the average market by about 8,000.
9
VTB Insurance
The VTB Insurance occupies the ninth line of the rating of the best insurance companies for the Casco for 2016-2017 year. The insurance was launched in 2000.This company has an extensive client base and a rather high authorized capital of 31.2 billion rubles. The insurer can not boast a high level of payments, only 45%, and a low percentage of refusals, but it has the highest average payment under the casco component of 89300 rubles and the minimal percentage of clients' appeals to court, only 0.9%.
8
VSK
VSK - The All-Russian Insurance Company, which has been operating since 1992, is awarded the 8th place in the rating of the most reliable insurance companies for the Casco for 2016-2017.VSK is a federal-level company, it has more than 500 offices throughout Russia and provides insurance services to individuals and legal entities. The authorized capital of the insurer is approximately 32 billion, and the amount of fees is at the level of 13 billion rubles, with the highest payout rate of 54%.The failure rate is lower than the average and is only 2.5%.
7
Renaissance Insurance
Renaissance Insurance has been operating since 1999, it is widely used in Russia and CIS countries and rightfully takes 7th place in the rating of the best insurance companies for the Casco for 2016-2017 in the reliability category. The insurer can boast a high fixed capital of 41 billion rubles and high insurance fees of 9.8 billion with payments of 8.6 billion. An excellent payout rate of 85% and a low failure rate of 3% can strongly influence the choice of the insurer, but it is worth considering a fairly high percentage of clients' appeals to the court 2.3%( 22 thousand suits for 950 thousand applications).
6
Consent
Consent - an organization awarded the "Insurance Company of the Year" in 2012, ranks 6th in the list of insurance companies that issue a hull, for 2016-2017 on reliability. SC The agreement has been working steadily and has been providing services for 32 years, has a large client base. The insurer's authorized capital is 43 billion rubles, and the level of casco payments is 64% with a charge of 18 billion, this figure is higher than the average market. From the obvious shortcomings of the company should allocate a relatively low average payment amount, which is only 67 thousand rubles and a large percentage of refusals in the payment of 6%.
5
RESO-Garantiya
Company RESO-Guarantee has been working steadily since 1991 and is a member of the RESO group of companies, which includes about 20 insurance companies. This insurance organization is in the middle of the rating of the best insurers that issue a hull insurance for 2016-2017, because it has a sufficiently high authorized capital of 59 billion rubles and one of the lowest percentages of refusal, only 2.5%, however, the low payout ratioand the low average amount of these payments do not allow this insurer to rise above the fifth line.
4
Alfa Insurance
Alfa Insurance - this organization has been working in the insurance industry since 1992, until the formalization of the agreement with Alfa Group was not widespread, but now the company is one of the most popular insurers in Russia. This is due to the high Casco payout rate of 72% and the average payout of 71,000 rubles, which is almost 6,000 rubles above the market average, and the failure rate leaves much to be desired for 3.5% with a fee of 5.5 billion.
3
SOGAZ
SOGAZ - a group of companies SOGAZ was founded in 1993, it has more than 600 offices throughout Russia and is rightfully ranked among the top three leaders in the rating of the best insurers for the Casco for 2016-2017 on the basis of reliability. Not the best payout-57% is justified by the minimum number of failures, only 1.5% and low number of clients' appeals to court. The second authorized capital in the amount of 94 billion rubles proves the stability of the financial position of the insurer, and high fees and an average payment of 78,000 rubles.only strengthen the position of SOGAZA in the top three.
2
Ingosstrakh
Ingosstrakh is one of the very first companies on the market, its activities have been carried out since 1947.This organization has 220 offices and 90 branches throughout Russia, as well as in CIS countries, China and India. High fixed capital of 75 billion rubles, the second-largest amount of fees-65.8 billion rubles with a payout of 82% and a moderate failure rate of 3% indicate a high reliability of the insurer. The main disadvantage of this organization is a modest average amount of payments in the amount of 50 thousand rubles, which is 12 thousand below the market average. Proceeding from the above, Ingosstrakh rightfully claims the silver rating of the best and most reliable insurance companies for the Casco for 2016-2017.
1
Rosgosstrakh
Rosgosstrakh tops the rating of insurance companies issuing a hull insurance for 2016-2017, an organization that has in its assets approximately 3000 offices and agencies across Russia with a staff of 95 thousand people. The services of this organization are used by about 25 million people, which indicates the high consistency of the insurer. Rosgosstrakh owns the highest authorized capital of 123 billion rubles. Impressive fees of 60 billion rubles and a decent payout rate of 60%, with a low failure rate of 2.2% and an average compensation amount of 67 thousand rubles only increase the reliability index of this insurance organization. The main problem of the insurer is the high frequency of clients' appeals to court-5.2%.
