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CTP is a compulsory third-party liability insurance. This type of insurance was approved as mandatory in Russia in 2003 and is one of the permits, without which the driver does not have the right to go on the road. The order of registration of policies, the calculation of the cost, the amount of payments are clearly regulated at the federal level by separate legislative acts. Despite this, the process of buying an auto insurance policy involves the risks of being caught by scammers or an unreliable insurer.

TOP insurance companies OSAGO Moscow.

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How are insurance rankings

There is no unambiguous reference rating list for registration of motor third party liability policy. There are certain features that rating agencies pay attention to when it’s TOP of the best. Among them:

• reliability - the percentage of dissatisfied customers, which is calculated in the ratio of court cases and the total market coverage;
• market coverage share - shows the level of confidence of car owners;
• the amount of authorized capital is an indicator of the possibility of covering insurance claims;
• the number of refusals to pay, the speed of their execution, the occurrence of difficulties in payments.

For the compilation of motor third-party insurance policies, insurance companies providing OSAGO use the generally accepted conventions:

• the highest level of reliability corresponds to the designation "A ++";
• very high level - “A +”;
• high level - “A”;
• satisfactory and low - “B ++”, “B +”, “B”;
• very low level / failure to fulfill obligations - “С ++”, “С +”, “С”;
• the company became bankrupt - “D”;
• license withdrawal or liquidation - "E".

There is also a rating created by feedback from policyholders. Clients of companies evaluate not only the quality of the services provided, they also take into account the level of service, feedback from colleagues and acquaintances, the speed of payment processing, the possibility of purchasing the policy online, additional conditions.

Choice of agencies

The ratings of OSAGO insurance companies in Moscow in 2018 on the websites of many agencies are slightly different. By averaging, one can single out the best compulsory insurance companies:

• Ingosstrakh;
• СОГЗЗ;
• Alpha Insurance;
• Liberty Insurance;
• RESO-Guarantee;
• VTB Страхование;
• Rosgosstrakh;
• ENERGOGARANT;
• MAX;
• VSK.

Customers provide their feedback to the following insurers:

• Alpha Insurance;
• Ingosstrakh;
• Tinkoff Insurance;
• СОГЗЗ;
• Ugoria;
• ENERGOGARANT;
• АГГ;
• Absolute Insurance;
• RESO-Guarantee;
• VSK.

Of course, in different ratings these companies occupy different places in the list, but they are present in the first ten positions of the sample among four resources.

What is included in the policy and the size of payments

The cost of insurance is calculated according to coefficients. Since 2015, they are regulated by the Bank of Russia, and before that they were established by the Government of the Russian Federation. The coefficients changed several times according to the adopted Federal laws and regulations. When calculating the total tariff, the base rate is multiplied by certain correction factors. Depending on the engine power, the place of residence of the car owner, the presence of several drivers of one car, their driving experience, age, history of insurance claims (if any). Insurers apply a special coefficient “bonus-malus” in cases when insurers buy a policy on a car from a company not for the first time, and the period of time without insurance does not exceed 1 year. You can check the correctness of the tariff calculation on the online calculator of any insurer, and double-check on the website of the Russian Association of Motor Insurers.

MTPL policy covers several main types of damage caused by the owner:

• damage to traffic lights, buildings or structures as a result of an accident;
• damage to one or more foreign vehicles in an accident;
• harm to the health and life of another participant in the accident.

The maximum amount of payments on policies is approved at the federal level: no more than 500 thousand rubles for compensation of harm to the life and health of the victim; no more than 400 thousand - damage to the property of several or one victim. Slightly less than 4 years ago (October 2014) for Moscow, St. Petersburg and their regions, the minimum payment due to an accident on the europrotocol (clearance without police) was increased to 400 thousand rubles.

How to avoid meeting with scammers

After allowing the provision of registration and purchase of insurance online, cases of fraud are becoming more common. The risk of “falling for scammers” tends to zero if the owner is well aware of the process of acquiring the policy and knows what to look for.

So, the most important thing is the formation of tariffs. They are regulated by government agencies, because deliberate reductions, promotions, discounts and “super profitable” offers are excluded. If the insurer makes such an offer, it actually violates the regulatory requirements of the state. The only type of discount may be a bonus-malus reduction factor. Cases of its use are not uncommon, but there is a main condition - the vehicle must not be a participant in an accident during the year.

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Online registration is important to carry out only on the official website of the insurance company. It is better to check it several times than to pay for the usual colored paper. The list of official email addresses can be found on the website of the Russian Association of Auto Insurers. There are also lists of unreliable and dubious companies. Payment cannot occur from electronic wallets. Reliable companies always choose a bank card. It is worth paying attention to the form of the form, the presence of a digital signature, a letter of confirmation from the Russian Union of Motor Insurers (it arrives in the mail in parallel with the policy).

Insurance companies themselves are interested in expanding the customer base and ensuring the safety of customers. In cases where there are controversial issues or misunderstandings, you can always contact the contact center for advice.