10 best insurance companies CTP

On the road, anything can happen. Even an experienced driver can not be sure that in the next few weeks he will not get into an accident. Or even not be his culprit. Therefore, it is necessary to have a CTP policy - this will allow covering the damage at the expense of the insurance company.

The cost of a CTP policy is regulated by law and cannot be cheaper or more expensive than a certain amount. For each category of transport, the base rate is different, and the final price of the policy is calculated using a single formula. The cost of insurance companies, in turn, depends on the additional services that it offers to the client. However, the list of additional packages is also small, and it is not necessary to issue them.

For ease of choice, we suggest that you familiarize yourself with the rating of the best insurance companies OSAGO. The material is based on user reviews and tops from professional analysts. Also included are descriptions of additional services and features. All firms also provide an electronic OSAGO, so it is not necessary to go to the office. But you can, if it is more convenient.

Top 10 best insurance companies CTP

10 Liberty Insurance

The rating is opened not by the most famous insurance company, but capable of providing an excellent level of service. Liberty's ruAAA financial reliability rating is the highest possible on the national scale of the RAEX rating agency. In reviews, many customers praise her for loyalty to the owners of CTP and, oddly enough, generosity. Sometimes Liberty pays more than experts count.

The percentage of failures is slightly higher than that of other insurance companies - 5.08%. So in the matter of paperwork and care in the recovery of damages it is worth being careful. Liberty promises maximum comfort when you make a policy with her. The company is ready to provide not only services for CTP, but also additional features. For example, the round-the-clock call of the emergency commissioner or the feasible legal assistance in case of need.

9 SOGAZ

The company has the best rating on the national scale - ruAAA, can be compared with the leaders of our top. Its level of development is assessed as stable - no negative changes in the situation are planned in the near future. Reviews of real customers are quite contradictory - not everyone likes the speed and level of service. But there are many positive moments - the company solves problems quickly and efficiently.

Undoubtedly, pleases a high level of payments for damage - 53%. Therefore, there is no doubt that the money will be paid in the right amount, especially given the minimum percentage of failures. Only 1.37% of transactions in the last year were sent to court. And SOGAZ refused to pay damages at 0.66% of claims from customers. Such statistics about the return of damage pleases - you can be almost 100% sure that the cost of repair and restoration of the car will be reimbursed.

8 VSK Insurance House

The former "Military Insurance Company" did not change the iron discipline and responsibility, relying on her rank.Failure of VSK is only 1.81% - practically the lowest percentage. With a rating of reliability ruAA (slightly worse than the most stable, but without the threat of decline), this gives hope that in the next few years the stability of the company will not falter. Moreover, there are serious prospects for growth. So VSK can be safely chosen as a long-term insurance company.

Keeps discount for trouble-free driving throughout the year. It guarantees the beginning of the reimbursement process five days after the application, which is rather fast. Other companies may not deal with the issue for a week or more. Periodically held promotions dedicated to significant events in the country. And for these shares you can get a good discount. Customer reviews are contradictory - depending on the region and the level of service, the level of service varies from medium to very good.

 

7 Zetta Insurance

The former insurance company Zurich provides the European level of interaction with customers and convenience of work. Not included in the TOP-10 market leaders according to the Central Bank of Russia, but compensates for this with the quality of service. The national scale rating is ruA + (moderately high creditworthiness) with brightly outlined development prospects. Therefore, there is no need to worry about its stability - the company is reliable enough.

The company promises payments in a short time after the accident, and not within 20 days, like other insurers. A lot of documents for registration are not needed - a passport, TCP and driver's license. I am glad that the percentage of refusal to pay Zetta is low - only 2.25%. Every year the company becomes better and more convenient. And in the reviews, customers note that progress is noticeable. Zetta is really nice to work with.

6 Consent

Actively developing insurance company with excellent prospects. So far, it has ruBBB + rating, which means a high, but not ideal level of solvency, as well as some dependence on the country's economy. But actively seeking to get the highest score from professional analysts. “Consent” indemnifies for all insured events. It doesn't matter how many times a car has been in an accident over the past year - this will not affect the payments. Just in this case, the policy will be more expensive in the future. Those who drive without accidents, can count on excellent discounts for the extension of the policy from the company. I am glad that the percentage of refusals to pay is very small - only 1.66%.

The company has an excellent mobile application that allows you to manage insurance and get all the necessary information through a smartphone. Now it is impossible to forget when the term of validity of the CTP policy ends. In addition, almost all issues related to insurance, damage and so on can be solved online. Excellent technical support will respond to the call within an hour, it will not be long to wait.

5 Renaissance Insurance

A company with good customer reviews, a stable position and a well-known name. Included in the Renaissance Group, which has everything - from banks to life insurance. An excellent level of reliability ruAA- (slightly lower than the leaders, but on average excellent) predicts a stable position of the insurance company in the market. In addition, the company has something to strive for, so every year it becomes better and more profitable. The dispatchers of the support service work around the clock and are ready to advise the client at any time.

The Renaissance seeks to fulfill all its obligations and does not refuse them once again. The refusal rate is low - 3.33% of all calls, and it is constantly decreasing. So you can trust the company with damage insurance. In case of an error when filling out an electronic policy, it is not necessary to terminate the contract and redo everything anew. The service “My electronic policy of CTP” allows you to make changes directly on the site and not worry about anything. I am glad that you can order the policy online, but you will receive a regular document - the Renaissance will send the courier, and he will give the CTP to the owner within the next day in any place.Pay as you can upon receipt.

4 Rosgosstrakh

Rosgosstrakh is considered the largest and most successful insurance company in Russia. According to the success rating from the Central Bank for 2017, Rosgosstrakh is the best company in terms of the volume of contracts. It has ruBBB + rating, which means good creditworthiness, but little dependence on the economic situation. In the Russian market, the company has 14 years of experience. Rosgosstrakh is the most affordable insurance company. She has hundreds of offices in most cities of the country, so everyone can apply for services. And those who are too lazy to go to a branch of the company will easily apply for an E-CTPO directly on the site.

Now Rosgosstrakh holds almost a quarter of the market - in 2017, it settled 24.4% of insurance claims from what happened in the whole country. Unfortunately, earlier the company had problems with payment of damage and other services. Therefore, the company's reputation is stained, as evidenced by customer reviews. Now Rosgosstrakh has corrected, but it is still treated with suspicion. For 2017, the percentage of refusals to pay is relatively low - 2.92%.

3 AlphaInsurance

Opens the TOP-3 of the most profitable and convenient insurance companies CTP this company. For more than 20 years, she has alternately fought for leadership in the insurance market and has not left the TOP-10 for the last few years. She received the ruAA + rating from professional analytical agencies, which is only slightly different from the highest score. AlfaStrakhovanie boasts excellent reviews - customers consider the company one of the best in the Russian market.

The share of refusals to pay is low - only 1.06%. It has a convenient policy DSAGO for additional protection. It is easy to tune it for yourself with direct registration. The advantage of Alfa Insurance is an excellent Personal Account - it is very convenient to manage insurance through it. In case something is incomprehensible, technical support quickly and professionally processes requests and literally “chews” information.

2 RESO-Guarantee

Insurance company with a convenient package of services. In the reviews, the company is noted as reliable and responsible. The same is confirmed by its assessment by professionals - ruAA +, which is almost the best estimate. This means that the company’s money is definitely not enough for one year ahead, and it’s not worth it. Therefore, RESO-Garantiya corresponds to the name and pays damage without problems. This confirms the failure rate - only 1.68% of all cases. The payout level is as much as 52%, an excellent figure.

From the advantages of RESO-Warranty, you can particularly highlight additional services to the policy of CTP. To him you can arrange two packages of services - "Economy" or "Comfort". Both sets involve the departure of the emergency commissioner in the event of an accident, a discount on the tow truck and an ambulance for the car in case you broke down somewhere on the highway or in the city. But Comfort also offers the service of calling a real paid Ambulance for people injured in an accident. And for those who want full protection, offers a policy of DPP (voluntary insurance) with advanced features.

1 Ingosstrakh

One of the best insurance companies in Russia, dealing with almost everything. Including CTP. The company's reliability rating is ruAAA, the highest possible. Ingosstrakh pays damages without unnecessary problems - the level is kept at 56% and growing, and the share of failures is only 2.97%. Almost always, you don’t even have to go to court to get full compensation for the losses incurred as a result of the accident - only 0.13% of the applicants filed a lawsuit.

Plus Ingosstrakh that he openly offers additional services and does not hide them in the contract. All possible "dopa" blurts, and already the client decides whether they need them. Among the extra packages there are quite useful ones. For example, DSAGO - voluntary insurance, which can cover the difference between the accrued benefits and the actual damage. But it is made out together with CASCO and not in all regions of Russia.For cars up to 5 years, it is possible to buy an additional package of Avtozashchita services, which will allow not to take into account the service life of parts during repairs under the insurance policy, compensating for reduced payments for wear. In addition, together with CTP Ingosstrakh often offers the service "Guarantee THAT", which allows you to recover the price found in the process of technical inspection breakdowns. But it is available only for passenger cars from a year to 10 years.

Popular vote - which insurance company is the best for OSAGO registration
We vote!

Ingosstrakh

RESO-Guarantee

AlphaInsurance

Rosgosstrakh

Renaissance Insurance

Consent

Zetta Insurance

VSK Insurance House

SOGAZ

Liberty Insurance

Other

Total votes: 192

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