Before carrying out the procedure for real estate insurance, you should determine what exactly you need to insure the apartment against. There can be a large number of reasons for insurance, including protection against damage to property, the actions of third parties, etc. Which type of insurance is suitable, you choose specifically, based on your preferences. An equally important issue is the choice of an insurance company that can be entrusted with this extremely responsible business. It is necessary to take into account the reputation of the insurer, reviews about the company, the cost of services and many other criteria, which we will talk about in today's article. Below is the rating of the best insurance companies.

What to look for when choosing an insurance company?

It is important to understand that the goal of any insurance organization is to make a profit, otherwise there would be no point in their existence. Any client applying to such an organization pays a certain amount, which allows him to feel confident in the event that an insured event occurs. Read about apartment fire and flood insurance.

A person acquires a policy on the basis of which he can receive monetary compensation if an insured event occurs.

It is also worth noting that the total number of insurance premiums significantly exceeds the number of insurance situations, so the amount of payments is greater than the cost of the policy itself.

It turns out that clients who have not had any negative events pay compensation to those persons who have an insured event. Naturally, this does not happen directly, but through the insurance company, on the basis of current legislation.

On the video - What you need to know when insuring an apartment:

Thus, the main functions of insurance companies include:

• Formation of capital from which payments will be made to insured clients of the organization.
• Payment of monetary compensation in the event of an insured event.
• Prevention of such cases, as well as reduction of possible losses.
• Protecting the interests of your clientele.
• Investing funds taken from customer deposits in order to receive dividends.
• Various business activities.
• Increasing own clientele through various advertising organizations and other marketing means.

Now there are many organizations engaged in similar activities, such as, and others. Some of them are engaged in a wide range of services, while others focus on some narrow specialization -, etc.

License check

If the organization does not have a well-known name, then the first step is to find out if the firm has a license allowing it to engage in such activities.

The register of insurance companies is located on the website of the Bank Service Russian Federation. Particular attention should be paid not only to the availability of a license, but also to the place of registration. If the company is registered abroad, then it is better not to trust such a company.

Financial stability assessment

In the public domain, you can find information regarding the authorized capital of the organization. Trust is caused by those companies if this figure exceeds 120 million rubles. If the company is engaged in life insurance, then its minimum authorized capital should be at least 240 million rubles.

You can also find information regarding the amounts of cash payments to customers, the organization's profit for the billing period, etc. Find out about the description of the company Jaso - insurance.

Reviews

On the Internet, you can find customer reviews of various companies that are posted on specialized forums. A large number of negative reviews should be cause for concern, but be aware that there may be paid reviews from competitors online. In addition, people tend to write negative reviews more often than positive reviews.

Analysis of company services

Examine information relating to the activities of the company, i.e. the services it offers to its clients. The presence of various insurance products and cooperation options will indicate the appropriate level of organization. He will tell about the essential terms of the personal property insurance contract.

Foundation date

With this point, everything is extremely simple - the longer the organization operates, the more it inspires confidence. Give preference to those organizations that have been on the market for more than ten years.

Company rating

You can find various ratings of companies compiled by competent rating agencies, or by ordinary people. You can analyze the ratings for several years, evaluating the positions of companies in the TOP. The more often it is in the top positions of the rating, the more reliable it is.

You can also consult with your acquaintances and friends who have already used the services of a particular insurance organization. First-hand information is always very trustworthy, especially if your friends have already received insurance claims.

Rating of the best insurance companies for apartment insurance - comparison

Let's consider the list of the most popular and reliable insurance companies, which are on the first lines of the rating from year to year.

Alpha Insurance

The Alpha company is very popular among customers, because it carries out its activities at the highest level. It offers many different options for cooperation, including health insurance, auto insurance and home insurance for citizens. Find out which insurance company is better for issuing OSAGO by.

Provides the ability to issue insurance remotely, as well as a convenient mobile application. There are accumulative insurance systems that allow you to pay not only for insured events, but also to accumulate money until the child comes of age and in other cases.

Rosgosstrakh

This company is one of the oldest organizations working in this field. If we consider from the moment of foundation, then this period is 90 years. The company is engaged in insurance against various cases, including accidents, illnesses, apartment insurance, car insurance, etc.

VTB Insurance

The authorized capital of the company is more than 5 billion rubles. Here you can also take out accident insurance, insure your real estate, car, etc. The organization is a division of VTB Bank, which is one of the leaders in banking services in Russia.

How to insure real estate and property in Ingosstrakh for an individual

The company was founded in 1947, with many branches in different regions of the country. The firm has been rated A++, i.е. it is one of the leaders in this market segment.

The company provides several possible schemes for cooperation with clients who wish to insure their apartment:

• Platinum- the program involves the departure of an employee of the company. On average, registration takes from three to twelve months.
• Express- This is the most affordable option in financial terms.
• Vacation- the policy is issued for a short period from a week to two months.
• Freedom- the policy is issued if the apartment is inexpensive.

The size of the minimum insurance payments may differ, depending on the region of residence of the client. If for Moscow the minimum figure is 100 thousand rubles, then for other cities it is half as much - 50 thousand rubles.

Reliable company Sogaz

The company has the highest degree of quality - it has been awarded an A ++ rating. The organization offers an apartment insurance policy, including the cost of the property itself, as well as civil liability.

Thus, the amount of home property insurance can range from two hundred thousand to five million rubles. As for civil liability, the amount is from one hundred to two million rubles. The company implements the possibility of issuing a policy in the office, as well as through an online application.

Is it profitable to insure housing in Gazprombank

This company provides its customers with the opportunity to issue an insurance policy without visiting the company's employees of the apartment itself. The policy includes household property, civil liability, and engineering equipment.

It is noteworthy that the insured himself chooses the amount for which he wants to insure his property. The minimum amount of insurance is 230 thousand rubles.

If we consider these companies in terms of the optimal cost of the services provided, then the most affordable policies are sold in Sogaz and Alfa Insurance - about 1000 rubles each. This amount will need to be paid every year.

OSAGO is a system of compulsory insurance of civil liability, designed to act as a guarantor of the protection of property and health of road users. The key difference between OSAGO and CASCO is the focus of the insurance policy on the health and transport of third parties, and not on one's own, as in the case of CASCO, which, moreover, is carried out on a voluntary basis.

There are a lot of companies operating according to the OSAGO standard in the insurance market. A large proportion of such organizations have an extremely short life span - they appear, incur losses, go bankrupt and disappear, while liability to customers, in the event of an insured event, often remains outstanding.

So that you do not get burned on cooperation with unscrupulous insurers, we have prepared for you a rating of OSAGO insurance companies that you can trust unconditionally. This compilation will be useful to everyone - from experienced drivers who are running out of insurance policy to newcomers who are just planning to buy their first car.

Principles for compiling the rating of OSAGO insurers

The first thing you need to remember is that you can only cooperate with insurance companies that are members of the PCA (Russian Union of Motor Insurers). This is one of the basic guarantees that the organization is not a sharashka office. You can check this on the official website of the PCA, where there are lists that indicate the members of the association, as well as a selection of companies that have withdrawn or been excluded from the PCA, as a result of which they are not entitled to full-fledged insurance activities.

Selecting the best among the companies of the PCA members is possible through profile studies of rating agencies (RA). These are private organizations that, guided by their own methods, annually compile reliability ratings of insurance companies. Interestingly, the request to evaluate their own activities initially comes from the insurers themselves - this payable service, and the analysis requires a huge number of financial documents, which the rating agency can only receive at the will of the UK.

An insurance company that has been assessed by a rating agency receives a certain reliability class. It testifies to the extent to which the organization is able to fulfill insurance obligations to customers and cover its financial expenses arising in the course of its activities. The reliability class is a serious indicator that should be trusted; even state authorities take it into account in the process of accreditation and regulation of the activities of the IC.

• Class "A" - high reliability;
• Class "B" - medium reliability;
• Class "C" - low reliability;
• Class "D" - the potential for technical default;
• Class "E" - issued to companies that have declared their bankruptcy, lost their license for the right to insurance activities or liquidated organizations.

In the direction of organizations that have been assigned classes E and D, you should not even look - cooperation with them will not bring anything good. Of greatest interest are insurers with reliability class A, B and, with a stretch, C. Each of these classes is divided into 2 gradations, with one or two pluses that indicate the position of the insurer in its segment.

Eg:

• “A++” is the highest (exceptional) reliability rating that SC can get, “A+” is a very high reliability rating;
• "B++" - acceptable, "B+" - sufficient, "B" - satisfactory reliability;
• "С++" - low, "С+" - very low, "С" - unsatisfactory (pre-default) reliability.

The rating agency "Expert RA" analyzes the activities of the insurance company and issues a certificate of obtaining a certain class of reliability, which remains valid for one calendar year.

However, when studying ratings from expert agencies, it should be taken into account that the level of reliability of the insurance company in them is determined by analyzing the financial stability of the company, that is, based on how stable the insurer fulfills all its financial obligations in the long term. But this says nothing about the quality of his services and the approach to cooperation with clients.

In order to have complete information, along with official ratings, it makes sense to study customer reviews about the insurance company that interests you. Therefore, we have separately prepared for you a user rating of insurance companies 2017 OSAGO, which we managed to do after analyzing many specialized forums and Internet resources.

Reliability rating "Expert RA"

Above are the most popular OSAGO insurers among motorists, in addition to them, the A ++ rating is held by the following companies:

• "Alliance";
• "MAX";
• "RosGosStrakh";
• "SOGAZ";
• "Agreement";
• "UralSIB";
• Energogarant.

• "Helios";
• "Zurich";
• "ORANTA";
• "MSK";
• "ZHASO";
• "Guta Insurance";
• "Surgutneftegaz";
• Liberty Insurance.

Any of these companies can be considered for acquiring an OSAGO policy without fear of tomorrow. These are large organizations that have earned a good reputation and are doing everything to confirm it in practice.

1. Rossgosstrakh - the amount of payments for 2016 is 83,435,839 thousand rubles.
2. SOGAZ - 63,913,169 thousand rubles.
3. Ingosstrakh - 41,192,947 thousand rubles.
4. RESO-Garantia - 40,167,654 thousand rubles.
5. Alfa Insurance — 27,930,673 thousand rubles.
6. "Consent" - 23,613,700 thousand rubles.
7. VTB Insurance - 15,888,150 thousand rubles.
8. "Alliance" - 14,757,499 thousand rubles.
9. "Renaissance Insurance" - 13,032,376 thousand rubles.
10. Uralsib - 12,029,059 thousand rubles.

Rating of OSAGO insurance companies according to customer reviews

A survey of consumers of insurance companies' services was conducted at the end of last year on the IC-Ratings Internet resource, whose visitors determined the next rating of insurance companies in 2016.

1. Alpha Insurance.
2. "Aviva".
3. "Alliance".
4. VTB Insurance.
5. Guta Insurance.
6. Ingosstrakh.
7. ERGO Rus.
8. "Megaruss-D".
9. "National Insurance Group".
10. "Renaissance insurance".

If we compare official ratings agencies "Expert RA" and the opinion of customers, it becomes obvious that according to their results, the companies "Alfa Insurance" and "VSK" have the best reputation, which we recommend for cooperation to all motorists. We hope that our rating of insurance companies 2017 OSAGO will be useful for you!

27.02.2017 at 16:48 · pavlofox · 9 700

Rating of the top 10 insurance companies by CASCO for 2018-2019

CASCO is the insurance of cars and other vehicles, unlike OSAGO, car hull tariffs are regulated directly by the insurance company, and not by the state. Nowadays, any insurance company offers the consumer the service of issuing CASCO insurance, but not every one of them guarantees the reliability, acceptability of conditions and profitability of the insurance policy. According to statistics, approximately 2 million people a year apply for compensation under CASCO policies, of which 4% are refused. Based on the foregoing, a rating of insurance companies for CASCO 2018-2019 in terms of reliability was compiled, in which the level of financial well-being of each was rated as the highest A ++.

10.

opens the rating of insurance companies providing CASCO for 2018-2019 in terms of reliability. The 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 is 2.8 billion rubles, with a payout rate of 60%, which is a good result. But the average amount of payments is not at a high level - 56,000 rubles, which is about 8 thousand below the market average.

9.

The ninth line in the ranking of the best insurance companies for CASCO for 2018-2019 is occupied by, which began its activity in 2000. This company has an extensive client base and a fairly high authorized capital of 31.2 billion rubles. The insurer cannot boast of a high level of payments, only 45%, and a low percentage of failures, however, it has the highest average CASCO payment of 89,300 rubles and the minimum percentage of customer complaints to the court, only 0.9%.

8.

The All-Russian Insurance Company, operating since 1992, was awarded the 8th place in the rating of the most reliable insurance companies in CASCO for 2018-2019. VSK is a federal-level company with 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 not the highest payout rate of 54%. The failure rate is below average and is only 2.5%.

7.

It has been operating since 1999, it is widely used in Russia and the CIS countries and rightfully takes 7th place in the rating of the best insurance companies in CASCO for 2018-2019 in the reliability category. The insurer boasts a high installed capital of RUB41bn and high premiums of RUB9.8bn on payouts of RUB8.6bn. An excellent payout rate of 85% and a low failure rate of 3% can greatly influence the choice of an insurer, however, it is worth considering a rather high percentage of clients going to court of 2.3% (22 thousand claims out of 950 thousand applications).

6.

The organization, awarded the “Insurance Company of the Year” award in 2012, ranks 6th in the list of insurance companies issuing CASCO for 2018-2019 in terms of reliability. SK Consent has been working stably and has been providing services for 32 years, has a large customer base. The established capital of the insurer is 43 billion rubles, and the level of payments for CASCO is 64% with fees in the amount of 18 billion, this figure is higher than the market average. Of the obvious shortcomings of the company, one should single out a relatively low average amount of payment, which is only 67 thousand rubles, and a rather high percentage of refusals to pay 6%.

5.

The company has been operating 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 ranking of the best insurers issuing CASCO for 2018-2019, because it has a fairly high authorized capital of 59 billion rubles and one of the lowest refusal rates, only 2.5%, but a low payout rate and the low average amount of these payments do not allow this insurer to rise above the fifth line.

4.

This organization has been operating in the insurance industry since 1992, before signing an agreement with Alfa Group, it was not widespread, but now the company is one of the most popular insurers in Russia. This is due to the high CASCO payment rate of 72% and the average amount of payments - 71 thousand rubles, which is almost 6000 rubles higher than the market average, and the refusal rate leaves much to be desired 3.5% with fees of 5.5 billion.

3.

The SOGAZ group of companies was founded in 1993, has more than 600 offices throughout Russia and is rightfully one of the top three leaders in the rating of the best insurers in CASCO for 2018-2019 in terms of reliability. Not the best payout rate - 57% is justified by the minimum number of refusals, only 1.5% and the low number of customer cases in court. The second largest 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 SOGAZ in the top three.

2.

One of the very first companies on the market, it has been operating since 1947. This organization has 220 offices and 90 branches throughout Russia, as well as in the CIS countries, China and India. The high installed capital of 75 billion rubles, the second-largest collection of 65.8 billion rubles with a payout rate of 82% and a moderate failure rate of 3% indicate the high reliability of the insurer. The main disadvantage of this organization is the modest average amount of payments in the amount of 50 thousand rubles, which is 12 thousand below the market average. Based on the foregoing, Ingosstrakh rightfully claims silver in the rating of the best and most reliable insurance companies for CASCO for 2018-2019.

1.

The rating of insurance companies issuing CASCO for 2018-2019 is headed by an organization that has approximately 3,000 offices and agencies throughout Russia with a staff of 95,000 people. Approximately 25 million people use the services of this organization, which indicates the high solvency of the insurer. Rosgosstrakh owns the highest authorized capital, amounting to 123 billion rubles. Impressive collections of 60 billion rubles and a decent payout rate of 60%, with a low percentage of failures of 2.2% and an average compensation amount of 67 thousand rubles only increase the reliability of this insurance organization. The main problem of the insurer is the high frequency of clients' appeals to the court - 5.2%.

What else to see:

To insure yourself against financial difficulties in case of an accident, you need to issue an OSAGO or CASCO policy in the best insurance company in 2020. By purchasing car insurance, you get peace of mind and protection against financial loss in the event of being found at fault in an accident. Since the market is highly competitive, it is worth looking for the best rate for car insurance.

One company may charge high fees for low driving experience or bad history, another may offer special discounts based on other criteria. The best auto insurance companies, as a rule, offer a convenient website where you can get a Casco or e-OSAGO policy (electronic policy), quick inspection after an accident and high-quality repairs in the service.

By choosing the right insurance agent with a high rating, you can be calm on the road. We analyzed all the factors and compiled a single clear list. The TOP-10 rating of the best insurance companies in Russia includes insurers with positive customer reviews and a minimum number of complaints against insurance commissioners.

10. Zetta Insurance

Zetta insurance company is convenient to use because you can do everything in one place (CASCO insurance, CTP policy, buy travel insurance, insure property, child, mortgage and get protection against encephalitis mites). Using the Internet, you can buy online insurance and renew it in your account on the Zetta website.

The cost of OSAGO starts from 2,300 rubles and depends on the region, the power of the car, the minimum experience of insured drivers and age. The CASCO policy will cost the motorist 4000 rubles. and will provide repairs at a service station at an authorized dealer, payments without depreciation, a discount of up to 50%, paintwork and glass elements without certificates.

A full hull insurance with a deductible is needed to cover the costs of evacuation, breakdowns, damage, theft and accidents. You can buy Casco inexpensively if you are married, if you are over 25 years old and the experience exceeds 6 years, if there are no more than 4 drivers in the contract.

9.

As an online car insurance selection service, Cherehapa can offer lower rates than conventional insurance companies. Among their partners are: Alfa Insurance, Liberty, Energogarant, Allianz, Sberbank and VTB. Cherehapa allows customers to choose special prices for car insurance throughout Russia.

Specify the car category, number of drivers (from 1 to 5 or unlimited), registration address, insurance period and driving experience. In a few seconds, the system will select the most inexpensive options and after payment you will receive an electronic CTP policy by mail. Print the original on the printer and present to the traffic police officers if necessary.

For good driving during the year, the car owner can receive a reduction in the price of the policy. Cherehapa offers to insure yourself against travel accidents. Additional options include: baggage insurance, air travel, loss of documents, flight cancellation and travel by private car.

8. RESO-Guarantee

RESO-Garantia has a low base rate and works with hundreds of service stations for the inspection and repair of a car after an accident throughout Russia. Before concluding an agreement with the Reso insurance company, you need to pay attention to all the requirements for the driver and his transport. The site has a simple OSAGO calculator for individuals and legal entities.

In addition, it is possible to obtain international travel damage coverage (Green Card), regardless of the country of destination. You can report an insured event to RESO-Garant on the website or through a mobile application for Android and iOS. After that, provide the necessary documents online and you are guaranteed to receive a payment within 25 working days.

To save on Casco, you can purchase a policy with a franchise. This is a non-reimbursable insurance part of the damage in case of an accident. As of mid-2020, Reso is in the TOP-10 of the best insurance companies with 4 million active customers, 450 thousand insurance payments and 30 billion rubles in compensation.

7. VSK insurance house

Compulsory third party liability insurance is the best option for those who need basic protection and want to pay less. OSAGO is one of the most affordable insurance. The price for it starts from 2500 rubles. For an additional fee, VSK can insure against accidents, protect housing, property and risks during the trip.

If you need to insure the driver, then there are two options: OSAGO and CASCO. The first takes into account accidents due to the fault of the insured or another driver. Starting from 2020, VSK reduces tariffs for Moscow and the Moscow Region. The second insurance implies payments in case of theft, damage or total loss of the car if the other driver is at fault.

For young and inexperienced drivers with a low CBM coefficient, VSK Insurance House will offer inexpensive policies after online calculation of the cost on the website. For businesses, there are insurance options for heavy trucks, air transport, space risks and rail transport. VSK was included in the rating of the best insurance companies and occupies the last position.

6. Ingosstrakh

Ingosstrakh is a well-known Russian insurance company with an extensive customer base and positive feedback from motorists. They offer discounts for accident-free drivers (up to 40%), CASCO discounts (5%) with a valid policy, and other nice bonuses for car enthusiasts.

Ingosstrakh consistently enters the TOP-10 the best company auto insurance in Russia and occupies a large percentage of the total market share. Currently, the company can buy an OSAGO policy online without visiting a sales office. The cost of insurance is calculated on the calculator and depends on the category of transport (car, motorcycle, truck), number of drivers, length of service and region (Moscow, St. Petersburg).

The CASCO policy in Ingosstrakh compensates for damage in case of car theft, damage or total loss of a car as a result of an accident. When installing a monitoring system, you can get a 5% discount, when switching from another insurance company 20%, and under a policy with a deductible up to 60% savings. When traveling to another country by car, it is worth buying a Green Card.

5. AlphaInsurance

AlfaStrakhovanie is a great option for car owners in any cities of the country (Moscow, Nizhny Novgorod, Samara, Chelyabinsk and Saratov). If you live in one of these cities and have more than 3 years of experience, then insurance premiums will be cheaper than in other companies. Among the Alpha services are: electronic eOSAGO, CASCO and Green Card.

The cost of the policy may vary depending on the brand of car, year of manufacture, driving experience and region. The company also offers several Casco programs for all car brands: Audi, Ford, Hyundai, Kia and Nissan. Two main programs: settlement without certificates in case of damage to glass elements, compensation up to 50% of the cost of the car.

Today, AlfaStrakhovanie has the highest reliability rating (A ++), more than 270 regional representatives and the ability to conveniently issue an OSAGO policy online via the Internet. An exact calculation of the cost of insurance will be received after filling out the form on the company's website.

4. Rosgosstrakh

Rosgosstrakh is the oldest insurance company in the country, founded in 1921. You can buy OSAGO car insurance on the website and get the policy by e-mail, by phone or at one of 1500 sales offices. In addition, customers can take out a policy through independent insurance agents. The company employs over 50,000 people and has about 300 claims settlements.

Rosgosstrakh insures property, travel, health (medical insurance) of individuals. To calculate the cost of eOSAGO, accident-free driving is taken into account. For each year, you can get a 5% discount, and the maximum amount for 10 years will be 50%. It is difficult to find an insurance company with a large number of products and services.

We recommend Rosgosstrakh because they offer a complete loss protection package with affordable auto insurance rates and 24/7 support. For these reasons, insurance is highly valued by motorists. In the TOP-10 rating, Rosgosstrakh takes a confident fourth place in 2020.

3. Consent

Consent has been operating since 1993 and is one of the largest auto insurance companies in Moscow and other cities in 2020. Competitive pricing, roadside assistance, prompt 24/7 support and a large number of Service stations place the insurance Consent in sixth place in the ranking.

They offer not only transport insurance, but also life, property, travel insurance for individuals and legal entities. Financial protection does not apply if the perpetrator of the accident fled the scene, if he was in a state of intoxication, if the perpetrator did not have an OSAGO policy, or during a racing race.

Get a monthly discount of 1% if there were no accidents during the insurance period. If an insured event has not occurred within a year, then pay only 50% of the amount for CASCO. The maximum cost of covering an insured event in Consent reaches 1.5 million rubles. In the list of the best insurance companies, Consent takes the 6th line.

2. Tinkoff Insurance

Tinkoff is known to most as a Russian bank, but they do auto, travel, accident, apartment, and home insurance. The Tinkoff Insurance app allows customers to pay for insurance, renew CMTPL and CASCO policies, report accidents and upload photos to schedule an appointment with an appraiser.

Tinkoff Insurance has been in the TOP-10 of the best insurance companies for 3 years already and satisfies all the needs of modern consumers. There is no need to go to the office to conclude an insurance contract. At Tinkoff, customers buy an OSAGO policy online and receive it by e-mail or at home using a courier.

If you got into an accident, then consult with the operator in the chat at any time. To confirm the case of an accident, you need to upload documents from (the European protocol and the accident report). Compensation for damage in cash is paid to the card of any bank in Russia.

1. Renaissance Insurance

Renaissance is an inexpensive insurance company and perhaps the most reliable insurance agent. They offer drivers to install a telematics system for driving style analysis in order to receive a discount of up to 50% on a CASCO policy. Renaissance offers to independently calculate the cost by indicating the city of residence, car make, year of manufacture, model and driving experience.

A big advantage of Renaissance insurance is the availability of customer service offices in most major Russian cities (Moscow, Krasnodar, Rostov-on-Don, St. Petersburg, Yaroslavl), as well as a large agent network. Users can insure themselves during a trip abroad and outdoor activities, against accidents, fire in an apartment and buying an apartment with a mortgage.

An insured event under OSAGO occurs when an accident occurs with mechanical damage to the vehicle. In case of harm to life and health, an amount of up to 500 thousand rubles is paid to each victim. Casco covers the costs after car theft, evacuation after an accident, repairs, emergency commissioner services and replacement of glass elements.