Rating of the best insurance companies for OSAGO in Moscow for 2022

Before talking about the best OSAGO insurance companies in Moscow, it’s worth understanding what OSAGO is. The abbreviation stands for "Compulsory Third Party Liability Insurance".

OSAGO

The OSAGO policy is a mandatory document, along with a driver's license, and protects the car owner in the event of an accident.

If an accident occurs due to the fault of the policyholder, then the damage to the victims, their health or property will be compensated by his insurance company. However, in this case, you cannot receive payments for the repair of your own car, for the latter you will need CASCO.

If the accident occurred through no fault of the policyholder, and as a result the car was damaged, then the insurer pays for the repair.

If the accident was the fault of two drivers, insurance companies pay both car owners, indemnifying half of the damage.

In a controversial case, where it is difficult to establish the culprit of the accident, the amount of payments is determined by the court.

The maximum payout amount at the time of writing is 400,000 rubles.

What documents are needed to apply for a policy?

According to the law, the following documents are required for issuing a policy:

• an identity document (passport or other document), and for a legal entity - a certificate of state registration;
• vehicle registration document (PTS, technical passport or coupon);
• driver's license (for everyone who drives a vehicle);
• vehicle diagnostic card;
• insurance application.

Having provided the entire set of documents, the car owner can receive OSAGO at one of the branches of the insurance company or online, on the official website.

An alternative to a conventional paper policy is an electronic OSAGO. This document can be printed and taken with you.

How not to buy a fake policy?

Check license. This can be done on the website of the Bank of Russia, as well as using the Directory of Financial Market Participants.If an insurer's license is restricted, revoked and suspended, it may not sell policies.

Purchase a policy at the sales office or on the official website of the insurer.

The policy can also be obtained from brokers or insurance agents authorized to conclude an OSAGO contract. Such an agreement must be checked in order to avoid possible complications or troubles.

The finished policy also needs to be checked. It should have a QR code located in the upper right corner, and this is an additional protection against forgery. When reading the code, you can check the name of the insurance company, the policy number, the date of its issue and the validity of the document. You also need to check the model, make, state number and VIN of the vehicle.

OSAGO cost

The cost consists of a base rate and coefficients that take into account a number of factors:

• type of vehicle (car or truck);
• car owner (individual or legal entity);
• region;
• driver's age;
• driving experience;
• car power;
• the presence and number of accidents that occurred through the fault of the car owner, and other parameters.

How is damage compensation done?

The priority form of compensation for damage is restorative repair - the company sends the car to partner service stations.

In the event that a new car (not older than 2 years) is damaged, the insurer sends the car to the official dealer of the vehicle brand.

Which insurance company is reliable?

To find out the level of reliability of the insurer, you can familiarize yourself with the rating classes awarded to organizations. Here are three groups of categories that indicate the highest level of reliability:

• Class A

AAA (ruAAA). The highest, maximum level of financial stability and creditworthiness of the organization.

AA (ruAA+, ruAA, ruAA-).High level of financial stability and creditworthiness, which is slightly below the AAA category.

A (ruA+, ruA, ruA-). Moderately high level combined with sensitivity to negative economic changes.

• Class B

BBB (ruBBB+, ruBBB, ruBBB-). Moderate level with more pronounced sensitivity to changes in the economic situation.

BB (ruBB+, ruBB, ruBB-). Moderately low level with high sensitivity to economic changes.

B (ruB+, ruB, ruB-). Low level of financial stability and creditworthiness. At the same time, the enterprise has the ability to fulfill its financial obligations in full on time, but remains vulnerable to the deterioration of the economic situation.

• Class C

CCC (ruCCC). Very low level with a significant probability of non-fulfillment of financial obligations.

CC (ruCC). Very low level, indicating an increased likelihood of default on financial obligations.

C (ruC). Very low level of creditworthiness and financial stability and extremely unlikely fulfillment of financial obligations when due.

Class RD (ruRD). This category means that the organization is under the supervision of government regulators, which determine the priority of some obligations over others.

Class D (ruD). Organizations with this category are in a state of default.

Rating of AA class insurance companies

RESO-Garantia

Address: Moscow, Nagorny proezd, 6

☎ Phone: +7(495)730-30-00

Official site: https://www.reso.ru/

Founded in 1991, RESO-Garantia insurance joint-stock company consistently ranks among the top ten in OSAGO. More than 34 thousand agents and brokers work here, and the network of branches, consisting of more than 1,200 offices, is one of the largest in the country.It has a license to provide more than a hundred types of insurance services, as well as conduct reinsurance activities. This universal company provides a wide range of insurance services for individuals and legal entities. The main activities include the following services:

• auto insurance (OSAGO, CASCO, DGO);
• health insurance;
• property insurance;
• mortgage insurance;
• travel insurance;
• as well as accident protection and other services.

The cost of OSAGO in this company is slightly lower than that of competing insurers, since RESO-Garantia has a low base rate from the very beginning. RESO-Garantiya quickly inspects and repairs vehicles after an accident, cooperating with a large number of service stations in different cities of Russia. The amount of insurance payments is 44 thousand rubles, however, the failure rate is quite high - 4.8%. In the event of an insured event, you can report it through a mobile application.

OSAGO

On the official website of "RESO-Garantiya" you can order a factory form of OSAGO or an electronic version - both of these documents are official. You can buy a policy in the following ways:

• Through an insurance agent - find the nearest one using the service;
• At the nearest office of the company;
• Apply online in the RESO-Guarantee Personal Account.
• You can apply for an OSAGO online organization in several stages:
• Register or log in to your Personal Account.
• Provide a package of documents - a passport, vehicle registration certificate, driver's licenses of those who will drive the car, as well as a diagnostic card if necessary.
• Calculate the cost using an online calculator.
• Make a payment - the policy will be sent to your email.

You can also extend OSAGO through the official website:

• After registration or authorization in the Personal Account, select OSAGO from the list.
• Check the data and make the necessary changes.
• Attach copies of documents.
• Make a payment and pick up the policy from your email.

• fast payouts;
• competence of employees;
• affordable cost;
• reliability, fame.

• long queue;
• failure to meet deadlines;
• service quality;
• underpayment in case of an accident.

Ingosstrakh

Address: Moscow, st. Ostrovsky, 38

☎ Phone: +7(495)997-11-33

Official website: https://www.ingos.ru/

SPAO "Ingosstrakh" has been conducting its domestic and international activities since 1947 and today has a high reliability rating. Ingosstrakh firmly occupies a leading position, being in the top ten Russian insurers. In our country, the organization has a large client base, opening branches and sales offices in regional cities. Ingosstrakh provides a wide range of services:

• home insurance;
• life;
• health;
• travel;
• mortgage insurance.

In addition, here you can issue all the documents necessary for car owners: OSAGO, CASCO, Green Card. For drivers without accidents, discounts of up to 40% are provided. At the same time, the amount of payment is about 40 thousand rubles.

OSAGO

To apply for a policy, you need to provide the following package of documents:

• passport of the car owner, and for legal entities - a certificate of state registration;
• vehicle passport, for legal entities - vehicle registration certificate;
• data of the driver's license (or several persons admitted to driving a car);
• diagnostic card number.

To purchase an electronic version of the policy, you need to register on the official website of the company, enter your Personal Account and enter the necessary data in the calculator form.

• convenient service;
• fast clearance;
• simple and intuitive interface;
• staff respond quickly to inquiries.

• small payouts;
• incompetence of individual employees;
• biased assessments.

VSK

Address: Moscow, st. Island, 4

☎ Phone: +7(495)784-77-00

Official site: https://shop.vsk.ru/

 

CJSC "VSK" was founded in 1992 and today occupies a leading position in the provision of insurance services. In 2002, 2007, 2017 the company received the gratitude of the President of Russia for its contribution to the development of the insurance business. Financial reliability, stability and competitiveness of VSK are confirmed by domestic and international rating agencies. The main services of the enterprise are:

• military insurance
• personal and property insurance
• life insurance;
• CASCO and OSAGO.

OSAGO

You can apply online or at the office of the organization, receiving a policy immediately after registration. Discounts are available for accident-free drivers. The following documents are required to purchase OSAGO:

• vehicle registration certificate;
• diagnostic card or technical inspection coupon;
• vehicle owner's passport;
• driver's license.

To extend the existing OSAGO, you only need to indicate the policy number and passport data of the car owner, as well as make an online payment for the order.

• good online service;
• a large volume of services provided;
• providing discounts;
• processing speed;
• fast payouts.

• incompetence of individual employees;
• attitude towards the client;
• difficult to contact the office.

Rosgosstrakh

Address: Moscow, st.Kyiv, 7

☎ Phone: 8-800-200-09-00

Official website: https://www.rgs.ru/

PJSC Rosgosstrakh has been operating since 1921, being the oldest insurance company in the country - in 2020, 99 years have passed since its foundation. Today, Rosgosstrakh is the leader in the insurance services market and has more than 1,500 branches throughout the country. It insures the following objects:

• vehicles;
• travels,
• property;
• health;
• a responsibility;
• savings;
• Agriculture;
• space industry.

OSAGO

The following documents are required to purchase a policy:

• car owner's passport;
• driving licenses of all who are allowed to drive;
• vehicle registration certificate;
• vehicle passport;
• diagnostic card.

When buying an electronic OSAGO, the following documents are sent to the e-mail:

• insurance application;
• SGN file (electronic signature)
• OSAGO insurance rules;
• memo to the driver, an accident notification form;
• electronic check.

• good service;
• convenient online service;
• fast clearance;
• availability of discounts.

• long record for damage inspection;
• inflated prices;
• incompetence of some employees;
• negligence;
• delaying deadlines;
• low quality of technical support service;
• minimum payouts.

Class A rating of insurance companies

Absolut Insurance

Address: Moscow, st. Leninskaya Sloboda, 26

☎ Phone: +7(495)987-18-38

Official website: https://www.absolutins.ru/

Absolut Insurance LLC has rich experience, providing its services to individuals and legal entities for 28 years. Absolute Insurance provides a wide range of services:

• issuance of a policy for a vehicle (CASCO and OSAGO).
• real estate protection;
• civil liability insurance;
• travel insurance.

OSAGO

An insurance policy can be purchased at any time of the day directly on the official website: calculate the preliminary cost using an online calculator and pay with a bank card.

• quality work of employees;
• possibility to apply online;
• fast clearance;
• customer focus;
• relatively low cost of insurance.

• underestimation of the cost of restoration repairs;
• delaying deadlines;
• Difficulty applying for a policy online.

AlphaInsurance

Address: Moscow, st. Shabolovka, 31b

☎ Phone: 8-800-333-09-99

Official website: https://www.alfastrah.ru/

AlfaStrakhovanie OJSC is one of the largest private insurance organizations in our country. It provides universal insurance services, including a set of business protection programs, as well as a wide range of insurance services for individuals. You can use the company's services from any region of the country - more than 270 branches operate in different cities of Russia. As for car insurance, here you can buy CASCO, Green Card or electronic OSAGO. Car owners with more than 3 years of experience are subject to a reduced rate. The average amount of payment varies within 41 thousand rubles. The cost is calculated taking into account a number of factors:

• place of residence;
• driving experience;
• engine power and other parameters.

OSAGO

It can be purchased at any of the company's offices, or ordered on the official website. Applying for an electronic policy using the online form is quick and easy. You can also calculate the cost here. Also, the service of policy renewal is available to the company's customers.

• processing speed;
• moderate cost;
• high-quality technical support;
• mobile app;
• Possibility to renew the policy in your personal account.

• incompetence of employees;
• difficult to contact the office;
• attitude towards clients.

Yugoria

Address: Moscow, st. Butyrsky Val, 68/70, building 7

☎ Phone: 8-800-100-82-00

Official site: https://www.ugsk.ru/

JSC “Group of insurance companies “Yugoria” has been operating since 1997 and is a universal organization providing various types of insurance services (about 23 areas). Its shareholder is REGION, one of the largest private investment groups in Russia. The network of branches is actively developing, today more than 154 representative offices and more than 300 insurance agencies are open in the regions of Russia. Also, Yugoria cooperates with large banks of the country, its partners are the leading auto holdings of Russia.

OSAGO

It protects the car owner in case of an accident, compensating for damage:

1. Up to 500 thousand rubles. for each victim in case of harm to health and life.
2. Up to 400 thousand rubles. for each victim in case of damage to property.

The electronic version of the policy can be printed or saved on your smartphone. On the Ugoria website, you can make a preliminary calculation of the cost. In addition, you can use the mobile application, which makes it possible to quickly issue or extend OSAGO. Also, the application has a chat in which you can consult online on various issues. As for the cost, it can be reduced when taking into account such parameters as driving experience, accident-free and other factors.

• the ability to apply for a policy online;
• convenient service;
• affordable cost.

• incorrect work of the filling form on the site;
• problems with checking copies of documents;
• incompetence of employees;
• payment delays.

Sovcombank insurance

Address: Moscow, Vavilova, 24

☎ Phone: +7 (495) 644-45-85

Official website: https://sovcomins.ru/

Joint Stock Company Sovcombank Insurance is a universal insurance company and operates using innovative technologies and best international practices. It has a high rating of credit reliability and financial stability. Sovcombank Insurance provides the following services for individuals and legal entities:

• protection of housing, mortgages;
• health, travel, civil liability insurance;
• protection program "Antiklesch";
• auto insurance (CASCO, OSAGO, Green Card).

Also, for customers there are discounts and bonus programs that allow you to save money.

OSAGO

Here you can purchase OSAGO in the usual paper version by contacting the office or the Contact Center, as well as get an electronic policy. To apply for OSAGO, you must provide the following information:

• model, brand and power of the vehicle;
• region of registration of the car owner;
• the period of use of the vehicle;
• Full name and date of birth of the driver and everyone who is allowed to drive the vehicle;
• driver's license.

It is also possible to renew the policy if there are less than 60 days left until its expiration date, or if it expired less than a year ago.

• service cost;
• convenience of issuing an electronic policy;
• service quality;
• convenient private office.
• high credit rating.

• delaying settlement terms;
• incorrect calculations of the amount of payment.

Rating of insurance companies class BBB

Agreement

Address: Moscow, st. Gilyarovsky, 42

☎ Phone: 8-800-200-01-01

Official site: https://www.soglasie.ru

LLC SK "Consent" was founded in 1985.has a license to provide over 90 types of services. The firm's reinsurers are leading domestic and foreign funds: Hannover Re, Munich Re, SCOR, Swiss Re and others. The sales network of IC "Consent" covers almost the entire country. These are 630 divisions, including 126 sales offices in Moscow and Moscow Region, 132 offices in the regions, 75 branches, as well as 241 agencies and 135 remote workplaces.

IC "Consent" provides the following types of services for individuals and legal entities:

• auto insurance;
• protection of property, health, travel;
• civil liability insurance;
• insurance of cargoes and cargo carriers, employees;
• insurance of technical, financial, agricultural risks.

The partners of the organization are the largest banks in the country, leasing companies, car dealers, owners of maintenance and service stations, travel and insurance companies, agents and brokers.

OSAGO

To apply for a policy on the Consent website, you must provide the following documents:

• policyholder's passport;
• registration documents for the vehicle;
• diagnostic card.

Also, you can extend the existing OSAGO using the online form, where you need to enter the contract number, passport data, full name, pay for the policy and pick it up from your email.

• high reliability rating;
• fast clearance;
• convenient site;
• service cost;
• goodwill towards customers.

• small payouts.

Insurance Business Group (IBG)

Address: Moscow, per. Printers, 12

☎ Phone: 8-800-700-50-20

Official site: https://www.ibg.ru/

 

The universal company JSC IBG (Insurance Business Group) provides comprehensive services for individuals and legal entities, offers modern and traditional insurance products.The organization has the potential to develop steadily in the future, so IBG JSC was awarded a high reliability rating. The main activities of the enterprise are the following types of services:

• insurance of industrial enterprises;
• retail;
• protection of small and medium businesses;
• transport construction insurance;
• civil liability;
• property;
• cargo;
• customs and logistics risks;
• personnel protection;
• VHI;
• accident protection.

OSAGO

Auto insurance is one of the key activities of the organization. Customers are provided with discounts and bonuses. The cost depends on the following factors:

• type of vehicle (passenger car, truck, special equipment, etc.);
• place of registration of the owner of the vehicle;
• the presence or absence of previous insurance payments;
• vehicle engine power.

On the official website, you can calculate the preliminary cost, issue an electronic policy or extend an existing one.

• fast clearance;
• affordable cost;
• friendly staff;
• convenient online service;
• no overpayments;
• convenient office location.

• difficult to contact the office;
• incompetence of some employees;
• turn.

How to choose a reliable insurer

To make such a responsible decision, it is necessary to carefully study the information about a particular company according to a number of key criteria.

The most important characteristic of a company is its level of reliability. This includes the official rating, creditworthiness, financial stability. It is best to pay attention to class A, which means a high reliability rating.

The organization must be licensed to provide insurance services and registered in the territory of the Russian Federation. Businesses with more than 10 years of experience deserve more trust.Also, large organizations have a better service development than small companies.

Another important indicator is financial stability. To have an idea about it, you need to study the following data:

• authorized capital;
• assets;
• range of insurance services;
• insurance reserves;
• fees and payments;
• reinsurance protection.

Customer reviews can give a rough idea of ​​the performance of an organization, as they may be subjective or promotional in nature. It is better to ask acquaintances, friends, relatives who used the services of the company. Additional information is provided by the Narodny top project, where you can read customer reviews about a particular organization, as well as pay attention to cases when an organization violated the terms of payments or underestimated their amount.

Discount systems, tariffs and bonuses. Too low prices can alert, but the presence of discounts and bonuses are an advantage. In addition, it should be remembered that the company must make the payment on time, in full, despite the economic crisis and the situation in the economy as a whole.

The competence of employees, their courtesy, interest in the client also play a big role. Staff must be patient and courteous. The interior of the office also speaks of the seriousness of the organization - the presence of comfortable furniture, equipped areas for receiving clients, coolers and other amenities speak of attention and care for their clients.

There are certain risks for every person. Insurance companies help protect your health, life, finances, property from accidents and unforeseen situations.Therefore, it is so important to choose an organization that can be trusted with the most valuable and expensive, which will not let you down and protect against numerous risks.