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Moscow is a huge city with great potential and countless various offers. They also include insurance companies offering their services for the CASCO policy. Unlike CTP, which is compulsory insurance for car owners, CASCO buy on voluntary terms. An exception can be considered the purchase of cars on credit, when one of the key conditions of the bank is mandatory registration of insurance. Due to the large number of proposals for motorists, it can be difficult to make a choice. To simplify the solution of this problem, you can resort to the help of insurance companies ratings on hull insurance in 2018. Rating agencies and social surveys allow us to draw certain conclusions regarding insurers and their activities in the current year.

TOP insurance companies for hull insurance in Moscow.

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Evaluation Criteria

Above the compilation of ratings work various services and organizations. They are repelled by different criteria and characteristics, which makes it possible to draw certain conclusions, naming leaders and outsiders. But motorists themselves are sure that the most objective assessments can be made only from the opinions of the people themselves, that is, according to the people's rating. In practice, the combination of two approaches to assessment allows you to get the most objective conclusions regarding the activities of an insurer. You should not make a start only from where KASKO is cheaper or which is closer to your home. Key criteria for obtaining a more accurate assessment of the insurance company are:

• the cost of the policy;
• the level of reliability of the company;
• timeliness and volume of payments for insured events;
• public opinion or national rating.

Based on these criteria, you can draw the appropriate conclusions and choose for yourself the most appropriate company, where you will insure your vehicle.

Moscow rating

First, remember that the concept of CASCO is not an abbreviation for the abbreviation of a long and complex name. In fact, the term is derived from foreign words, which literally mean the protection of the driver in various situations. In Russia, CASCO is understood to mean a voluntary type of insurance that allows a car owner to protect his movable property and his own life and health from all sorts of risks. Such a policy will allow you to protect yourself and impose obligations to compensate for the damage to other cars, even if you are the culprit of the situation. And not necessarily we are talking about accidents and collisions between cars. Depending on the policy chosen, its action may extend to:

• hijacking and embezzlement;
• accidents and accidents;
• hitting obstacles;
• natural disasters;
• illegal actions of third parties, because of which the car has suffered;
• animal exposure;
• cases during the movement, when a stone gets into the car or something falls;
• complete destruction of the car as a result of accidents and other situations;
• fallen trees, icicles, melting snow, etc.

That is, in the case of CTP, you insure solely your responsibility as the cause of the accident. The compensation will be paid to the injured party, not you, despite the damage to your vehicle. Making yourself hull insurance, you fully insure liability for accidents, which allows you to rely on insurance payments even to the perpetrator. Add to this the random situations and risks that can occur for reasons beyond the control of the car owner. This is useful and very necessary in some cases as a supplement to conventional CTP insurance.

The only question is whether you want to issue a CASCO or not, since such a policy is more expensive than CTP. If the car owner wants to make a policy for himself, he should choose among the best insurance companies for hull insurance. After all, there are absolutely unreliable insurers who, upon the occurrence of an insured event, refuse to pay compensation or cease to exist altogether. At the same time, drivers give substantial sums for insurance.

To make the right choice of an insurance company that deals with CASCO, you need to look at the ratings of organizations. Not everyone is in the top of the best insurance companies. Therefore, in 2018 among the companies offering CASCO, an impressive competition increases. There are a lot of offers, which is why it is sometimes difficult for car owners to make a final decision. Analytics, ratings and statistics are designed to weed out weak and unreliable organizations and show a list of the most attractive companies. All ratings are divided into 3 categories:

1. Expert. These are special organizations that check companies for their reliability, stability, pricing and payment obligations.
2. People's. Here we are talking about the confidence of motorists in relation to different companies. Each person has his own opinion on this matter, but when summing up reviews one can understand which companies are in priority and which people do not trust.
3. Overall. Generalized conclusions that allow to focus on the presence of insurance companies in different regions, the activity of their development, etc.

If you start from a purely indicator of the presence and activity in the Moscow market, then the combined rating will look like this:

• Ingosstrakh;
• RESO;
• Consent;
• Rosgosstrakh;
• Alpha Insurance;
• VSK;
• Renaissance;
• MSC;
• Согаз;
• Independence.

But do not rush to draw conclusions. Activity does not mean that these companies are the most reliable, profitable and guarantee the timeliness of insurance payments. It is necessary to take into account the main criteria by which motorists choose their insurer.

Cost of

The first thing car owners think about where it is more profitable to take and arrange CASCO. But here it is impossible to provide any summary data that would be objective. This is due to the fact that the cost is formed on the basis of a number of factors, including:

• type of insurance;
• car cost;
• brand;
• model;
• equipment;
• year of release and so forth

Protect a car from total, that is, complete destruction, is much more expensive than just from theft, theft or accident. Because of this, it is difficult to say unequivocally where it is better to insure your vehicle and which company has the best price. To make an approximate rating, we took as a basis the average cost of a car with an engine power of about 125 horsepower 2014 - 2015 release. Its estimated price is 400-500 thousand rubles. And we will insure against theft and accident. With such input data among insurers in Moscow, the following rating is obtained.

• Renaissance;
• Tinkoff;
• Инвест Alliance;
• VSK;
• RESO;
• Ingosstrakh;
• Consent;
• MSC;
• Liberti;
• Jason.

For comparison, if in the case of the Renaissance for the said insurance you need to pay about 23 thousand rubles, then in VSK the basic package of CASCO costs already 40 thousand rubles, and in JASO about 90 thousand. Each company offers additional options that are offered for a fee.

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Reliability

Cost of не является объективным критерием при оценивании деятельности страховой компании. Потому важно учитывать рейтинг надёжности. В этом компоненте страховые компании не могут просто составить список условий для КАСКО и снизить на них стоимость, чтобы комплексная страховка оказалась дешевле, чем у конкурентов. За небольшую сумму можно взять теоретически очень хороший полис. Вопрос только в том, смогут ли эти компании выплатить те деньги, которые они обязаны выдать клиенту при наступлении страхового случая. Этот критерий явно прослеживается в показателях надёжности, которые определяют разные рейтинговые агентства при изучении компаний.

The higher the level of liability for hull insurance, the better the organization rating. The most relevant and objective data regarding the reliability of insurance companies can be obtained from the organization Expert RA. They regularly analyze the market, make conclusions and allow to determine the leaders. In Moscow, the most reliable companies offering CASCO insurance policies for 2018 are:

• Ingosstrakh;
• RESO;
• Consent;
• VSK;
• Renaissance;
• Alpha Insurance;
• Согаз;
• Alliance;
• Jason;
• Liberti;
• UralSib.

Only these companies received an A ++ rating from RA. This indicates a high level of reliability combined with a stable and stable forecast.

It is important to understand that such data can not be called stable. The leader of the current rating when updating information may be significantly lower in the top. This is due to the fact that the situation is constantly changing, various unforeseen circumstances arise, or negative information about the activities of certain insurers emerges. There is also a reverse situation, when outsiders, at the expense of high-quality work and increasing the level of customer service, from last places rise up and outpace many leaders. Yes, in one year a leader with an A ++ rating cannot sharply get a B grade and below. But it is in the interests of the insurer not to lose its position, but to try to maintain a high level of reliability. This is a guarantee of attracting a large number of new customers and keeping old ones.

Payouts

Car owners are constantly thinking about what kind of hull insurance they should choose and whom to trust. Now, many companies are engaged in auto insurance. But one thing is when you offer a service and take money for it, and quite another when you have to pay money to a client in accordance with an auto insurance contract. If we talk about insurers working in Moscow, here the latest collected data on payments made allow us to make a certain rating of the most loyal organizations:

• the company Investstrakh pays on average 470 thousand rubles;
• insurance company Accept has an average amount of payments of 412 thousand rubles;
• Sterkh customers receive an average of 290 thousand;
• in Liberty, the figure is 200 thousand rubles;
• CASCO users from Tinkoff receive about 170 thousand rubles.

The top ten for this indicator also includes:

• Trade union;
• ASKOR;
• Orbit;
• RosInkor;
• Rosmet.

But there is more to focus on the waiver of payments. Among insurers for hull insurance in Moscow, the leaders of this anti-rating were:

1. VTB They refuse about 54% of cases.
2. Bin Here failures make up 53.4% ​​of the total number of hits.
3. ASKOR refused 45% of clients for the reporting period.
4. SSG (Construction Insurance Group) does not pay in 36% of cases.
5. Firm Success refuses at 28%.
6. Anchor does not pay only in 21% of calls.

Data changes every quarter. Therefore, it is impossible to draw objective conclusions on only one reporting segment. And you noticed that some of the represented companies are practically unknown. These are not the largest insurance companies in Russia that have offices in virtually every city. But studies show that they regularly pay people money and do not provoke problems with insurance payments. But large organizations, as practice shows, are more likely to refuse their client. Though on their side a higher reliability rating.

It is hard to say where it is better to issue a hull insurance based on payout rates. In Moscow, both large organizations and small firms operate. The latter may not be included in the ratings of reliability and value, but in terms of payments, they are ahead of more eminent competitors. And then the main question is whether you are willing to take risks, trusting a company that does not possess exemplary reliability indicators.

People's choice

No less significant for people is the national rating of insurance companies that deal with hull insurance policies. Opinions about auto insurers are collected by various analytical organizations, interviewing the most ordinary car owners. Their every opinion is subjective, but in total it allows you to make a certain rating of the most loyal insurers on hull insurance. If we talk about Moscow, here the choice of the people for 2018 looks like this:

• Ingosstrakh;
• Zeta;
• RESO;
• Liberti;
• Consent;
• ERGO;
• Alpha Insurance;
• MSC;
• Alliance;
• Renaissance;
• Согаз;
• UralSib;
• Rosgosstrakh;
• Tinkoff.

From this we can conclude that the opinion of the people is partially at odds with the conclusions of experts. To whom to believe, the question is quite controversial.

But here it is important to understand one feature. Experts analyze the activities of the company, repel from the real reports of insurers, the results of their activities. That is, here the rating is based on numbers and all kinds of analytics. People's rating is noticeably different, because here the priority is completely different selection criteria. Usually people form their opinion about the insurance organization based on:

• quality of service;
• the courtesy of staff;
• waiting time and queues;
• rate of payment of insurance funds;
• the presence of delays;
• dispute resolution methods;
• claims to the company, etc.

Trusting ratings based solely on the opinions of people on the Internet is absolutely impossible. Here the situation is extremely simple. It is sometimes impossible to leave comments on official websites, plus the administration often deletes those reviews that can spoil the reputation. That is, comments are filtered. Independent sites also cannot be considered as a platform for forming an objective opinion. People rarely write positive reviews, because they are satisfied with everything, and we are not accepted to praise. But when problem situations arise, many begin to write angry messages, telling which company is bad and that it is better not to get involved with it. People rating conditional. It is better to start from expert opinions and competently approach the issue of choice.

Useful recommendations

If you still do not know how to approach the issue of choosing an insurance company in Moscow, which will be ready to offer you a CASCO policy, proceed from a few tips:

1. Recent activities. There are companies that work for a long time in the auto insurance market. Their long activity is sometimes based on past achievements, although at present the situation is not the best. Therefore, it is better to contact those firms that have a large influx of customers and money supply lately. View ratings for 2016–2018.
2. Reviews Although the opinions of people are always subjective, you will clearly understand from the comments of people which companies should not be contacted categorically. Do not try to find reviews on official sites. Companies will not allow their forums or chats to be filled with negative comments. Therefore, it is better to go to independent resources where people exchange their opinions. The chance to find custom comments there is much less.
3. Failures. Even if the company is among the best in reliability, it is not a guarantee that the organization regularly pays money for insurance claims to its customers. Therefore, be sure to look at the payment ratings for the last several reporting quarters.
4. License. Demand a license and show whether it is still valid. If you are denied this, you can safely get up and leave the office. When the company is really reliable and conducts open activities, employees will show you a license and provide all the necessary documents confirming their credentials.

Moscow is literally overflowing with proposals for CASCO design. But not all companies are reliable, safe and loyal to customers. Alas, in reality, the quality of the organization’s work can only be verified through personal experience. Different ratings and analytical data allow excluding the most dangerous and undesirable companies from the list. The list of worthy insurers is large, so make a start not only from expert and popular ratings, but also from your own opinion.