State insurance companies of Russia: review, description, features and reviews. Rating of MTPL insurance companies Insurance companies in the Russian Federation list

As the demand for compulsory car insurance policies increases, so does the supply from various insurance companies.

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How to choose an insurer in Moscow? How to choose the most suitable insurance conditions for a car owner? How to calculate the cost of the policy yourself and not become a victim of fraudulent companies, read on.

Rating of insurance companies in Moscow in 2019

• geography of location of official representative offices of the insurer in the territory Russian Federation);
• the number of clients of the insurance organization with whom real auto insurance contracts have been concluded;
• volume authorized capital. The indicator determines the level financial stability organizations;
• the ratio of positive and negative decisions on insurance payments for a specific insurance product;
• popularity of the organization among consumers of a particular insurance product.

Price

The next indicator that determines the choice of an insurance organization is the cost of the MTPL policy.

The cost of a car license consists of a base tariff and a number of coefficients. The range of basic tariffs has been determined.

Currently, the base rate for motor vehicle insurance is:

The base rate for compulsory motor liability insurance in Moscow in the most popular companies is:

Where can you apply for compulsory motor liability insurance in Moscow?

Many companies provide their clients not only with standard design services, but also special ones, which include:

• the possibility of obtaining a policy in the capital for car owners registered in other regions of the Russian Federation;
• the possibility of delivering the finished policy by courier service;
• Possibility of 24-hour registration of motor vehicle registration and so on.

For regions

Which companies can individuals contact? Registered in other regions to purchase a compulsory car insurance policy?

Similar services are provided by:

Home delivery

Due to strong competition between insurance companies, many organizations are introducing new service- delivery insurance policy car insurance at home.

Document delivery can be carried out:

• representative of the insurance company. In most cases, this service is free. However, there are significant nuances, for example, the service will be free at a certain cost of insurance;
• courier service. In this situation, the cost of delivery will depend on the tariffs of the selected courier company and the distance to the client. On average, the cost of delivery in Moscow is 600 – 1,300 rubles.

To make it possible to deliver a vehicle title, you must first:

• order a policy on the company’s website by selecting the delivery option;
• arrange a meeting with a company employee at a certain location. In this case, the insurance contract will also be concluded at the agreed address.

You can order a car insurance with delivery in Moscow from the following insurance companies:

Around the clock

Currently, it is possible to issue a compulsory car insurance policy online, which allows clients to receive the document necessary for operating a car at any time of the day, including weekends and holidays.

Online registration of a motor vehicle license occurs according to the following scheme:

1. The client independently chooses a company that provides 24-hour services online registration car insurance.
2. On the company's website, you fill out a form - an application, according to which a preliminary calculation of the cost of the policy is made.
3. The completed document is sent to the insurance company, where employees (working around the clock) check the client’s data and make the final payment.
4. After verification, the client is informed of the final cost of the policy and methods of paying the insurance premium.
5. The policyholder independently pays for the policy. To do this, you can also use various payment systems that operate online or via mobile banking.
6. After funds are received into the insurer’s account (as a rule, this operation requires no more than 25–30 minutes, depending on the bank), a completed document is sent to the policyholder’s email address. For use electronic MTPL The document must first be printed.

Which insurance organizations Do Moscow provide the opportunity to obtain a motor vehicle license online 24 hours a day?

Currently you can contact:

One document at a time

To obtain a motor vehicle title for any vehicle, you must provide a package of documents to the insurance company, which includes:

• civil passport of the policyholder;
• PTS or registration certificate for the car;
• driver's license (if the car license is issued not for one driver, but with a certain circle of persons allowed to drive, then additionally copies of the driver's licenses of all persons will be required);
• diagnostic card.

The listed package of documents required to issue a compulsory car insurance policy is fixed at the legislative level and cannot change depending on the region of receipt of the car citizen or insurance company. Therefore, it is not possible to obtain insurance using any one document.

Calculation in the capital

To find the cheapest MTPL insurance in Moscow, you can do it yourself.

For calculation you can use:

• the simplest formula;
• online calculator.

To calculate using the formula, you need to know the values ​​of all that affect the cost of the policy.

These include:

• territorial coefficient (Kt). For Moscow, this indicator is equal to 2, and for car owners registered in the Moscow region - 1.7. The territory coefficient reflects the traffic congestion in a particular region;
• bonus-malus coefficient (Kbm). The value of the parameter depends on the driver’s accident-free driving. How longer period carried out without an accident, the lower the coefficient value. Kbm is determined annually and stored in the RSA database. You can independently determine the value using the table:

  

• a parameter whose size depends on the vehicle power (Km).

  

• coefficient determining the ratio of age and experience of drivers (Kvs):

  

• driver number ratio (Co):

  

• an increasing coefficient applied if the driver had gross violations of traffic rules or car insurance rules during the previous insurance period (Kn). If there are no such violations, then the parameter is equal to 1. If there are violations, then the coefficient value is 1.5;
• coefficient depending on the seasonality of car use (Kc). Many people, especially older people, use a car exclusively in the warm season. Under such conditions, it is not advisable to pay for a policy for a whole year:

  

• validity coefficient of the motor vehicle license (Ksd):

  

• coefficient reflecting the possibility of using vehicles with a trailer (Kp):

  

  The formula for self-calculation is as follows:

  St = Bt*Kt*Kbm*Km*Kvs*Ko*Kn*Ks*Ksd*Kp,

  St	cost of a car license
  Bt	base rate for compulsory motor liability insurance applied by an insurance company
  Kt...Kp	corresponding coefficients

  One 5th class driver is allowed to drive, whose age is more than 22 years and whose experience is less than 3 years. Has no gross violations. The company's base rate is 4,118 rubles.

  To calculate the example, the following coefficient values ​​will be taken:

  CT	2
  KBM	0,9
  Km	1,4
  Kvs	1,7
  Co.	1
  Kn	1
  KS	0,7
  Ksd	1
  KP	1

  St = 4118*2*0.9*1.4*1.7*1*1*0.7*1*1 = 12,349 rubles 06 kopecks.

  For use online calculator You do not need to determine the values ​​of all coefficients yourself. This action will be done automatically when the appropriate data is entered into the program.

  Let's calculate the above example using an online calculator:

  

  Calculation result:

  

  What is needed to apply for a policy?

  The process of obtaining a motor vehicle license for different types Vehicle somewhat different from each other. Let's look at the nuances of purchasing a policy for taxis, buses and trucks.

  For taxi

  Registration of a vehicle license for a vehicle used for passenger transportation (taxi) has its own nuances:

  • The cost of car insurance increases, since an increased base rate is used for calculation. Basic tariff range for taxi, statutory, is 5138 – 6166 rubles;
    

    Most Moscow insurance companies use the maximum tariff value, since the number of accidents, and therefore insurance payments, is greater than in the case of private cars.

  • When applying for insurance, an additional document is required - a transportation license.

  For bus

  Car insurance for buses is practically no different from insurance for other types of vehicles. The only nuance is the package of documents required by insurers to obtain auto insurance.

  Since most buses belong to legal entities, the set of documents includes:

  • certificate of registration of the enterprise (in some cases they may additionally require an extract from the register of legal entities);
  • civil passport of the representative;
  • PTS or bus registration certificate;
  • diagnostic card.

  An MTPL insurance policy is also issued after submitting a written application.

  For trucks

  Trucks can be owned by both individuals and organizations.

  If the car belongs to a legal entity, then in order to purchase a car title, a package of documents is required, provided for individuals and individual entrepreneurs.

  If the truck belongs to a legal entity, then the set of requested documents also changes.

  City lawyers for compulsory insurance

  During the registration and use of a compulsory car insurance policy, various problems may arise, for example, refusal to pay insurance compensation, they pay an amount that is not sufficient to carry out repairs, and so on.

  To solve problems with the insurance company yourself, you need to know all the intricacies of the law.

  In the absence of knowledge, qualified auto lawyers come to the rescue and, for a certain price, will help resolve insurance disputes in the shortest possible time.

  Residents of the capital for qualified help can contact:

  Name of the company providing legal assistance in car insurance	List of services provided by the organization
  Moscow auto lawyer (Shabolovka st., 34, building 3, floor 3)	— conducting an independent examination to assess the damage received; — collection of insurance payments through the court; — recovery of material and moral damage from third parties
  Avtojurist LLC (Avtozavodskaya str., 23, building 15)	— assistance in registering a traffic accident; — assistance in preparing documents for payment under compulsory motor liability insurance; — evacuation; — auto examination; - recovery of compensation through court
  Moscow Union of Automotive Lawyers (Krasnoproletarskaya st., 16, building 2)	— assistance in receiving insurance payments; — representation of the client’s interests in court
  ANTI-accident (Leningradskoe highway, 36)	— registration of a road accident (assistance in filling out the European protocol); — preparation of documents for insurance payment; — assessment of damage received; — resolving issues with insurance companies in court

  How to protect yourself from scammers

  Great demand for compulsory car insurance services is also generated by an increase in the number of fraudulent companies offering fake policies. How to avoid becoming a victim of a scammer?

  • You cannot purchase a car license from small unknown companies. Most scammers work in “trailers” located in different areas of the city, usually near the metro or large shopping centers;
  • There can be no discounts on auto insurance. The cost of the policy is determined by the state, and insurance companies do not have the right to reduce it at their discretion;
  • After purchasing a motor vehicle license, it is recommended to independently check the policy form for validity. To do this, you can use the RSA website and enter the document details into the verification form.

  Today, the insurers' database allows you to check compulsory motor liability insurance different ways: by policy number, by car number, etc. And vice versa - by insurance number, for example, you can find out the car number. There are three verification options:

  Attention, in recent weeks the verification forms have been working very slowly and do not load the first time. This is a problem on the RSA side. If you want, you can try to download the verification forms individually on their website: one, two, three, respectively.

  1. Checking the status of the form by its number. You can check your paper or electronic MTPL policy against the AIS RSA (Russian Union of Motor Insurers) database and find out its validity period below.
  

  This form is for checking both paper policies and electronic policies XXX series purchased online! Usually, electronic insurance gets into the database immediately after registration, but sometimes due to the workload of the database it can take several days. The correct status for valid insurance is “held by the policyholder” (but if immediately after purchase the status is still “held by the insurer”, then this may be normal - the agent may not have had time to make changes to the database, wait a couple of days and only then sound the alarm) . Definitely “bad statuses” of an MTPL policy are “lost in force” (why exactly it lost force can be seen in more detail by checking below) or “lost”. The status “printed by the manufacturer” means that such a form was not even handed over to the insurer.

  Such a check does not give 100% confidence that you have a valid policy (after all, fraudsters could make a “duplicate” of the real form), but it allows you to reject obvious fakes and stolen forms. But in order to exclude “duplicates” you need to check which car is insured under your policy...

  2. Find out which car is insured using a specific form. In addition to the license plate number, VIN code or body number, in the results you can find out a more detailed status of the form, for example, why exactly the insurance is not valid (the contract could have been terminated early or the policy could have been lost by the insurance company):

  3. Find out the MTPL policy number by state number, VIN or body number + check whether the driver is included in the insurance. This check is the reverse of the previous one, here, based on the car’s data, you will find out which insurance company it is insured with, the policy number and its type (limited or unlimited). Checking by VIN is the most complete. It is searched by license plate number only if this information was provided by the insurer (they do not always do this).

  If the insurance has a limited list of drivers, the system will suggest by number and series driver's license check whether a certain driver is included in the insurance (this option appears in the second step after).

  If you have recently added someone to your MTPL policy or made other changes to the data, then according to regulations, insurance companies are required to make changes to the RSA database within 5 days. Therefore, do not be alarmed if after a couple of days the changes have not yet been reflected in the AIS RSA database.

  The last check is also useful for checking a used car before purchasing. After all, the presence of two simultaneously valid MTPL policies on one VIN number (or GRZ) can be a “bell” that the car is a “double”. In this case, I also recommend it (in this case, a bad sign is that the car regularly undergoes maintenance in one region or another).

  4. Assistance from a motor vehicle lawyer on compulsory motor liability insurance issues:
  If you are faced with the fact that your policy, judging by the database, is fake or you have others legal issues related to compulsory motor liability insurance, then you can receive a free response from a lawyer in the form below.

  Before insuring a car, many motorists look at the rating of MTPL insurance companies that provide insurance services. This allows you to choose the best insurer. After all, rating developers focus not only on financial indicators companies, but also on reviews of real customers. The ratio of payments and refusals and the average amount of compensation are also taken into account. This is important, because according to the Central Bank, about 2.7 million people applied for compensation under MTPL policies. True, 3.4% of requests were refused.

  Main evaluation criteria

  According to Law No. 40-FZ of April 25, 2002, owners of any vehicles must insure their motor vehicle liability. This is stated in Art. 4 of the said law. You can choose the best insurer if you look at the ratings of companies.

  To evaluate the activities of companies that deal with insurance, several criteria are taken. This comprehensive approach allows us to create the most objective rating. Taken into account:

  • reliability of the company;
  • size of the authorized capital;
  • reviews and evaluation of the insurer’s activities by real clients;
  • the amount of insurance payments.

  

  Depending on performance indicators, certain rating categories are assigned. The highest indicator is “A”. It can only be obtained by reliable companies that, upon the onset of insured event Reimbursement is provided immediately.

  A “B” rating is given to those firms that do not have problems with liquidity, but have delays in payments. It is not recommended to consider organizations that received a “C”, “D” or “E” based on the results of the analysis.

  • Class A++ Exceptionally high level of reliability
  • Class A+ Very high level of reliability.
  • Class A High level of reliability.
  • Class B++ Satisfactory level of reliability.
  • Class B+ Low level of reliability.
  • Class B Low level of reliability.
  • C++ class Very low level of reliability.
  • Class C+ Unsatisfactory level of reliability.
  • Class C Failure to fulfill obligations.
  • Class D Bankruptcy.
  • Class E Revocation of license (not at the initiative of the company).

  Rules for choosing an insurance company

  It is advisable to choose a company that provides insurance civil liability car owners for several years now. You should only trust those who have been assigned an “A” reliability rating. At the core official ranking OSAGO companies have data financial statements and information from the Central Bank. They do not allow for an objective assessment of the work of insurers.

  Periodicals on automotive topics and statistical companies sometimes create their own “popular” ratings. They are based on reviews from car owners.

  Rating agencies

  There are several agencies in Russia that compile their own lists of the most reliable companies.

  Expert RA evaluates:

  • volumes of work of insurance companies;
  • amount of capital;
  • ratio of positive/negative decisions on payments.

  Reliable companies are usually assigned an A++ score. They have a stable development forecast. With a high degree of probability, we can assume that the situation will not change in subsequent years.

  Expert rating of insurance companies for compulsory motor liability insurance

  Insurance Company	reliability	payout level	likelihood of legal action	reviews	final rating
  AIG	4,5	21%	2,32%	4	3,8
  Alfa insurance	4,3	43%	0,67%	2	3,9
  Alliance /former ROSNO	3,6	110%	4,65%	3	3
  VSK	4,1	45%	8,51%	2	3,1
  VTB Insurance	4,6	29%	10,47%	3	3,5
  Ingosstrakh	4,6	56%	0,13%	2	4
  MAX	4,5	92%	13,83%	2	3,4
  RESO-Garantiya	4,4	52%	1,41%	2	3,9
  Rosgosstrakh	4,6	52%	13,09%	1	3,3
  SOGAZ	4,8	53%	1,37%	2	4,2

  Reliability, reviews (negative) and the final rating are calculated on a five-point scale.

  Reliability rating of insurance companies according to OSAGO

  • SOGAZ - 4.8
  • ERGO (ERGO) - 4.7
  • VTB Insurance - 4.6
  • Ingosstrakh - 4.6
  • Rosgosstrakh - 4.6
  • AIG / former Chartis - 4.5
  • Surgutneftegaz - 4.5
  • MAX - 4.5
  • RESO-Garantiya - 4.4
  • Chulpan - 4.4
  • Spassky Gate - 4.4
  • RSHB-Insurance - 4.4

  Rating of insurance companies for MTPL payments

  Insurance Company	Average payment under compulsory motor liability insurance
  Geopolis	RUB 118,333
  Verna	RUB 103,440
  Alliance	RUR 86,338
  Welfare General Insurance	80,000 ₽
  Muscovy	RUB 72,751
  Strizh them. S. Zhivago	RUB 71,667
  ASKO	RUB 71,203
  Renaissance Insurance	RUB 70,846
  Moscow region	RUB 70,435
  Rosgosstrakh	69,362 RUR

  People's rating of insurance companies

  • JSC "Intach Insurance"
  • Renaissance Insurance
  • AlfaInsurance
  • Zetta Insurance
  • Yugoria
  • Soldier
  • Ingosstrakh
  • ZHASO
  • Tinkoff Insurance
  • UralSib Insurance
  • BIN Insurance
  • RESO-Garantiya
  • SOGAZ
  • Energy guarantor
  • Agreement
  • MAX
  • Rosgosstrakh

  Assessment and analysis of the activities of the insurance company

  Video: Analysis of insurance companies and how to choose the right one

  The best insurance companies in Moscow

  Experts, based on Central Bank statistics, assessed the activities of various companies and created a list.

  The leading position is held by the joint venture "ZHASO". She has minimum percentage refusals (only 0.5%). The amount of her compensation is also not large and on average amounts to almost 45 thousand rubles. And this is less than the average level of compensation by 3 thousand rubles. According to RAEX and RA Expert, the company has been assigned an exceptionally high level of A++. Total annual contributions for compulsory motor liability insurance amount to 2.5 million rubles.

  The results of the Ugoria company are no worse. They denied refunds to 0.7% of their customers. The amount of their contributions is 3.1 million rubles. The main shareholder of the company is Khanty-Mansiysk Autonomous Okrug. But this does not mean that it only works within its limits. The company has more than 60 representative offices in the Federation. The average amount of payments is 44 thousand rubles. But according to RA “Expert” the company was given an “A” rating, its rating is under observation. Analysts say it is a growing company.

  IC "MAX" has been on the market since 1992. But she has been involved in compulsory motor liability insurance since 2003. After all, this type of activity requires a special license. This is stated in Art. 1 of Law 40-FZ of April 25, 2002. 0.8% of applied clients are rejected by IC MAX. The amount of average insurance compensation for this company is small - 35.4 thousand rubles. According to the analysis of RA "Expert" this reliable company with a stable development forecast. Under the MTPL program, the amount of contributions to IC MAX is 3.7 billion rubles.

  SD "VSK" is one of the largest in the Federation, clients under compulsory motor liability insurance brought in 18.2 billion rubles. The Military Insurance Company has already twice received gratitude from the President for its work. But in terms of the number of refusals, it ranks 4th - 1.4%. According to the indicators, the average amount of compensation is 42 thousand rubles. RA "Expert" confirms the reliability of this insurance house. It is rated "A++".

  Firm failure rates "Alpha Insurance" the same as for SD "VSK". Their average payment amount is slightly lower - 41.8 thousand rubles. total amount their contributions amount to 10.6 billion rubles. This is a company that was assigned an “A++” rating by Expert RA. Her developmental prognosis is stable.

  The amount of insurance payments in SAC "Energogarant" slightly higher – 45.6 thousand rubles. But they refuse 1.5% of clients who apply. Judging by the total amount of contributions, the company is not very popular. The total amount of insurance under MTPL is 2.8 billion rubles.

  Uralsib offers a fairly high average amount of compensation - almost 51 thousand rubles. But this organization refuses 1.9% of its clients. 6 billion rubles were raised under compulsory motor liability insurance policies. The Expert rating agency assesses the reliability level of Uralsib as “A+”. It was increased, and the further development forecast is stable.

  Popular subsidiary oil producing enterprise Transneft with the same name. Since 2013, its owner has been the SOGAZ company. According to RA Expert, since 2011 it has held the position “A++”. But her payments are small - the average amount of compensation is 17.5 thousand rubles. She refuses 2.4% of clients. But few take insurance from her. The total amount of investments under MTPL policies is 0.4 billion rubles.

  SPAO "Ingosstrakh" gives a refusal to 3.3% of people who apply. Their compensation averages 40.5 thousand rubles. The total amount of insurance under compulsory motor liability insurance policies is 15.5 billion rubles. This is a reliable company with an A++ rating and a stable forecast for further development.

  One of the most famous is Rosgosstrakh. If we evaluate the size of insurance premiums, then this is one of the largest companies. They equal 77 billion rubles. Also, PJSC IC Rosgosstrakh has one of the largest amounts of compensation - it is equal to 53.6 thousand rubles. True, 3.5% of all applicants are denied compensation for losses. The company has maintained the A++ reliability level, according to RA Expert, since 2008.

  But that's not all rated insurers are. Don't forget about "RESO-guarantee" with an A++ rating. The amount of insurance premiums for compulsory motor liability insurance is quite large and amounts to 27.6 billion rubles. But they have a high number of refusals – 4.8%. The amount of compensation is 43.8 thousand rubles.

  Sufficient large sum the average level of insurance claims of the Renaissance-Insurance group. They pay almost 53 thousand rubles. But 5.1% of those who applied refuse to pay compensation.

  When choosing an insurance company, you need to take all this data into account. This is the only way to choose the best insurer, who will definitely pay the due compensation when an insured event occurs.

  Public Joint-Stock Company Insurance Company Rosgosstrakh

  
  1. insurance against accidents and illnesses
  2. health insurance
  3. funds insurance ground transport(except for railway transport)
  4. insurance of railway transport vehicles
  5. insurance of air transport vehicles
  6. insurance of water transport vehicles
  7. cargo insurance
  8. agricultural insurance (insurance of crops, agricultural crops, perennial plantings, animals)
  9. insurance of property of legal entities, with the exception of vehicles and agricultural insurance
  10. insurance of citizens’ property, with the exception of vehicles
  11. civil liability insurance for vehicle owners
  12. civil liability insurance of aircraft owners
  13. insurance of civil liability of owners of water transport vehicles
  14. civil liability insurance for organizations operating hazardous facilities
  15. insurance of civil liability for damage caused by defects in goods, works, services
  16. insurance of civil liability for damage to third parties
  17. business risk insurance
  18. financial risk insurance
  19. insurance of civil liability for non-fulfillment or improper fulfillment of obligations under the contract
  20. civil liability insurance of owners of railway vehicles
  21. reinsurance
  22. compulsory insurance owner's civil liability dangerous object for causing harm as a result of an accident at a dangerous facility
  23. compulsory insurance of civil liability of vehicle owners
  24. voluntary personal insurance, with the exception of voluntary insurance life
  25. voluntary property insurance
  26. compulsory insurance of the carrier’s civil liability for damage caused to the life, health, and property of passengers during transportation
  27. obligatory state insurance life and health of military personnel, citizens called up for military training, private and commanding officers of the internal affairs bodies of the Russian Federation, the State Fire Service, employees of institutions and bodies of the penal system, employees of the National Guard of the Russian Federation
  28. compulsory state insurance of life and health of military personnel, citizens called up for military training, private and commanding personnel of the internal affairs bodies of the Russian Federation, the State Fire Service, authorities for control of the circulation of narcotic drugs and psychotropic substances, employees of institutions and penal authorities systems as amended by the Federal Law dated July 3, 2016

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