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Currently, OSAGO, that is, the system of compulsory civil liability insurance, operates not only in Russia, but also in many other countries, including the CIS. The main task of such a system is the protection of property, as well as the immediate health of motorists. If we compare it with the CASCO, which is a voluntary insurance, the policy applies to the car owner himself and his vehicle. In the case of CTP, the action of the policy is aimed at protecting the property and health of those motorists and vehicles with which an accident occurred, an accident or other unpleasant situation that is covered by insurance.

The choice of insurance company for registration OSAGO.

Грубо говоря, вы защищаете себя от ответственности, будучи виновной стороной. Выдавать подобные страховые полисы имеют право только те компании, которые осуществляют соответствующий вид деятельности, получили обязательную лицензию, и которых включили в специальную систему ОСАГО. Автомобилистам рекомендуется прибегать к услугам лучших страховых компаний ОСАГО. Специально для этого каждый год обновляются рейтинги, появляются новые полезные материалы и данные.Читать далее про лучшие страховые компании ОСАГО-->

Selection rules

Quite often, vehicle owners are faced with situations where they cannot receive payments for an insured event, different situations arise that speak about the insurer’s irresponsibility and its unwillingness to fulfill its obligations. Therefore, you should know how to choose the right insurance company OSAGO (UK) and what to look for. To begin with, there are many one-day companies. They exist for a short time, collect customers, draw up documents. At first everything goes well, no problems arise. But then the company disappears. There are several main reasons for the emergence and disappearance of insurance organizations:

• deprivation of a license;
• bankruptcy;
• exclusion from the OSAGO system;
• identification of fraudulent schemes, etc.

The system of action of the policy covers 4 main subjects:

1. Insurer. This is the same insurance company with which you have entered into a contract.
2. Insured. This is you, as a client who has entered into a contract with the insurer.
3. Beneficiary Benefit. The injured party to whom your insurer will pay for the insured event.
4. Professional association. In Russia, it is called RSA or the auto insurers union It is he who regulates the relationship between the parties, controls the reserve of funds for payments and monitors the fulfillment of the obligations of the insurer.

Sometimes this includes 5 subjects in the form of an intermediary, broker or agent. Choosing a UK, experts advise to build on several basic criteria.

1. Fees. The amount of UK insurance fees on CTP is usually published on the official websites of companies. The more fees, the higher the stock of financial stability of the insurer. Be sure to choose among those organizations that have the highest rates of fees. This will significantly simplify the settlement of conflicts and the receipt of insurance payments.
2. Price. Since 2014, changes have been introduced that allow companies to change the cost of the policy. The single tariff has been replaced by a tariff corridor. Within its framework, insurers can set their price tags. Currently, the difference between the cheapest and most expensive offers is about 20%.
3. The presence of a license. If the insurer does not have a license, you can not contact her in any case. RSA regularly monitors the work of the UK, which allows issuing and revoking licenses that allow them to conduct the relevant type of activity. 
4. Rating. The reliability index is taken into account. It is assigned based on the performance of the insurance company, based on indicators such as financial stability, solvency and payment problems. If the UK does not have a rating, this is a significant reason to refuse its services. It is usually absent from unreliable companies and newbies. To get into the rating, the company must provide true information to appraisers. If she doesn't, she has something to hide. The conclusion is simple and logical. Newbies are just starting their activities, because this is also a certain risk.
5. Reviews Always read what ordinary car owners think about this or that insurer. To do this, study the official sites and free independent resources. Official sites often remove bad comments, leaving only positive feedback. There are also custom materials that are published on various thematic portals. Because you need to analyze information from different resources.
6. Electronic design. The requirement is not mandatory, but very convenient for drivers. Many companies since 2015 sell policies online, allowing customers to get a contract without leaving home.  Discounts for new cars! Profitable loan from 9.9% installments 0% adom.ru

Based on these recommendations, it will be much easier for you to make a choice.

Top SK ratings

In the ratings of insurance companies by CTP in 2018, a wide range of requirements and criteria are taken into account. This allows you to fully explore the organization, to know its strengths and weaknesses. In addition to various rating data, you can always get detailed information from the PCA registry. The official website of the union always publishes up-to-date documentation regarding insurance companies that are active members of the PCA, as well as those who left it or were deprived of a license. Car owners are accustomed to choosing insurers according to several basic criteria:

1. At cost. Recently, there has been a steady trend towards transition from the cheapest companies. People realized that the pursuit of financial gain usually leads to dubious organizations that enter into agreements on excellent conditions, but in fact do not fulfill their obligations. Therefore, in Russia, car owners are willing to pay more, but receive guarantees. This allows you to understand where it is better to issue a CTP in terms of price - quality.
2. On payments. Official rating agencies publish ratings and anti-ratings, which indicate the percentage of court cases and the number of dissatisfied customers. In the rating of insurance companies for OSAGO payments, only those organizations that conscientiously perform their functions, pay compensation in time and in full, and also have a minimum percentage of dissatisfied customers, appear. 
3. By reliability. It is considered a key indicator. One-day companies cannot be called reliable, for they disappear as suddenly as they appear. Reliable organizations prove their high professional level by long-term presence on the market, openness and the ability to easily obtain all the necessary data about the insurer.

Therefore, if you have a question regarding which insurance company to choose for OSAGO, pay attention to the official ratings. This is the best way to get accurate and truthful information. We suggest you to study a special double rating of insurance companies for compulsory motor TPL insurance 2018. This takes into account expert assessments and the opinion of the car owners themselves. By comparing the data, you will be able to decide which company’s services to turn to and where it is better to issue a CTP.

Many do not take the information of the rating agency on the reliability of insurers seriously, considering it to be not completely transparent. But with regard to this issue, we will bring some clarity, which will allow us to understand how we can trust the ratings. If you are planning to issue an insurance policy for CTP, think carefully about which organization to contact with such a question. Consider the expert and national top, which in many ways will help to compare information from different sources. This will provide an opportunity to check how much motorists trust official ratings, and whether it is worth relying on them.

Expert Rating

The basis of this rating is taken key selection criteria, such as loyalty and reliability of insurance organizations involved in policies OSAGO. Rating agencies award different levels to companies:

• A ++;
• A +;
• BUT.

In the first case, the IC has an exceptionally high level of reliability, in the second it is very high, and in the third it is simply high. Each of the organizations that received one of the three ratings deserves attention and could potentially become the preferred choice for the client.

Dividing the overall rating, we identified several top companies with ratings from A to A ++. The most reliable companies, according to experts, from whom you can order a CTP policy are:

• Alpha Insurance;
• MAX;
• VSK;
• VTB;
• Renaissance;
• СОГЗЗ;
• Alliance;
• Ingosstrakh;
• Consent;
• RESO;
• Rosgosstrakh.

Each of the insurance organizations on the list has a stable outlook. This suggests that there are no risks of bankruptcy or other precedents that could adversely affect the status of the organization, disrupt payments and confront customers with other possible problems. This is followed by the top of the companies that received a rating of A +. Such a rating was able to get such insurance organizations:

• ERGO;
• MSC;
• Jason;
• Guta;
• Helios;
• Surgutneftegaz;
• Oranta;
• Liberti.

MSC and Guta have a developing outlook, and all other companies from the top have a stable outlook.

The last is the level of reliability with a rating of A. The companies that came here have a good reputation, conscientiously fulfill insurance obligations and have a small percentage of dissatisfied customers. The list of insurance companies rated for A by reliability is:

• Intach;
• MSC;
• Ugoria;
• Hayde
• BIN;
• USC;
• D2 Insurance.

Intach, Gaide and USC are characterized by experts as companies with a positive outlook. Yugoria has a developing forecast, while all the others have a stable one. Representatives of all three expert ratings are among the best companies in Russia that are ready to provide their customers with CTP policies. Their financial conditions are different, but the differences in price are not so significant.

People's choice

Vehicle owners decide for themselves where to insure a car and get an OSAGO. Therefore, the final rating is somewhat different from the expert opinions. The list of the top 10 insurers includes some organizations that have not been included in any of the previous expert ratings. This does not mean that they can not be trusted. Every company you want to work with must be carefully checked.

The activities of one of the same company in different cities may differ significantly, due to staff factors. Therefore, the national rating of insurance companies for CTP in 2018 looks like this:

• Alpha Insurance;
• Alliance;
• Aviva;
• VTB;
• Ingosstrakh;
• Guta;
• Ergo;
• Megaruss;
• NSG (National Insurance Group);
• Renaissance.

As you can see, in many insurance organizations the opinion of the people coincides with expert opinions. Since people encounter firms in practice, end up in different situations under different circumstances, they can express their opinions and give a subjective assessment to one or another insurer. By collecting general information on the choice of car owners, you can make a final national rating. How it looks in 2018, you already know.

Trust ratings or not

This is an important question that must be answered. Almost every vehicle owner wants to turn to a good proven insurer, get the necessary documents and be confident in resolving all conflicts that arise in the subsequent. Since the problems with the insurance company may result in the car owner having to pay compensation to the injured party at their own expense, no one wants to take risks and turn to questionable organizations. To find out where it is better to issue an ordinary or electronic CTP policy, motorists study company data, read reviews, ask friends for advice, start from popular and annual expert ratings.

It is about different ratings that controversy is raging, there are active discussions. Some people are sure that with the help of the rating it is possible to understand which companies should be trusted and which organizations should be abandoned. Others declare bias and inconsistency between the actual situation and the results of supposedly expert studies. Therefore, certain explanations should be given on this point.

If you analyze different ratings, regardless of their sources, you will notice one pattern. The same companies consistently fall into them, but the lists may differ in individual positions. Most often, the top includes SK such as Alpha, VTB, Guta, Renaissance, etc.

Important to noticeThat completely rely on national ratings is impossible. Although they are positioned as a choice of ordinary people and vehicle owners, such tops are easiest to fake for an insurance company. The indicators are often artificially wound in favor of the interested party.

But even if the surveys or surveys were conducted correctly, no one tried to tune the rating for themselves, it remains subjective. Such tops are based on the opinions of people who are faced specifically with their situations. Their choice may be affected by:

• individual dislike for employees;
• unsuccessful experience of receiving insurance payments on OSAGO;
• situations that are not subject to the CTP, but the client refuses to understand this;
• objectively non-professional staff of the branch;
• too high, according to the client, the cost of the policy;
• no problems associated with CTP, etc.

That is, one person remains completely satisfied with the company's activities, and another, faced with a more complicated situation, responds negatively about the same insurance company. Therefore, people's ratings are subjective, not objective.

As for expert ratings, it is important to divide them into 2 main categories:

• based on official data;
• based on unofficial data.

If official information was used in the rating, the client does not always have the opportunity to check it. But most insurers who do not hide information about themselves offer everything openly, try not to hide the most important data and publish them on their official website. In the case of independent expert ratings, it is possible to understand in many ways how top compilers are interested in assigning high ratings to one or another company. If you open a similar rating and see that there is an advertisement on the site of this resource SC, which they consider to be the best, this should raise certain suspicions regarding the objectivity of the assessment.

But practice shows that the best source of information about the quality of work and the reliability of insurers for OSAGO is precisely the expert rating based on official statistics. Therefore, when studying the next top, check where the data came from, whether the insurance company is a member of the PCA, and whether we have official licenses and permits for conducting insurance activities.

The choice of CTP policy should always consist of several criteria. Each case is individual, that is, there cannot be perfect companies. All of them have cases where customers were not satisfied with their work, did not receive insurance payments, and faced other problems. But the greater the percentage of satisfied car owners, the better.