Which insurance company is better to apply for compulsory motor liability insurance?

Where is it better to insure under compulsory motor liability insurance in 2019 - which insurance company is better and cheaper to take out compulsory motor liability insurance for a car

Currently, the question of where is the best place to insure a car under compulsory motor liability insurance is almost a leading one, since all motorists want reliability from their insurer, transparency of conditions and simplicity in completing all documents.

Today we will try to provide you with information that will help you decide on the choice of an insurance company.

Where is the best place to insure under MTPL in 2019?

As we all know, car insurance in Russia is a mandatory item for drivers, but many have already heard that some companies do not make payments on time or do not issue a policy due to the lack of forms.

The online compulsory motor liability insurance calculator from the Moscow insurance company in 2019 will help you calculate the cost and compare prices of compulsory motor liability insurance policies from different insurers in Moscow.

Now we will look at the most profitable insurance companies licensed for compulsory motor liability insurance.

The Central Bank of the Russian Federation has established a tariff corridor in which the starting price of the policy can vary from 3,432 rubles to 4,118 rubles. We wrote about how to get an MTPL insurance policy cheaper in the article “How to save on MTPL.”

Which insurance company is better and cheaper to apply for compulsory motor liability insurance in 2019?

In order to choose the most profitable insurance policy, you can calculate compulsory motor liability insurance for all insurance companies using an online calculator, or read reviews where it is cheaper and more profitable to insure a car under compulsory motor liability insurance. However, it is worth knowing that for some one thing will be good, but for another it may not be suitable at all. Also, you should not trust various polls, since the rating in them will often be inflated.

According to reliability rating statistics, we present you a list of the most reliable insurance companies in descending order:

These 15 companies are the most reliable insurers, but it is up to you to decide which insurance company to choose for compulsory motor liability insurance.

Where is the best place to apply for and buy an MTPL policy in 2019?

Everything is clear with the ratings, but we still haven’t learned how best to get a cheap MTPL insurance policy for a car. Currently, our main assistant is the Internet, thanks to which we can find out any information that interests us.

To decide on the design, you should first ask your friends where they took out the policy and how much they like this or that company. Next, having identified several companies, we search for them on the Internet and read all the information regarding insurance companies.

Perhaps the reviews will not be entirely good, as a result of which they may cause you doubts. Then call the hotline or directly to the office in your region and ask all your questions.

Forums can also come to your aid, where you can inquire about the quality of work of a particular insurer.

Some insurance companies illegally change the rules - there are no forms, a queue for several days, they insure only new or powerful cars, they offer “left” maintenance. In this case, you need to think, do you need it?

A very cheap MTPL insurance company should also arouse your suspicions, since most likely they will either sell you additional services, or the forms have been declared lost and they sell them to you, passing them off as real.

Which insurance companies issue electronic MTPL policies?

According to clause 7.2 of Art. 15 of Federal Law No. 40-FZ of April 25, 2002, an insurance policy can be purchased via the Internet. An electronic MTPL policy gives you the same rights as a regular one, and does not differ in price (in fact, it also differs in how, it costs several times less).

Below you will find a list of which companies sell MTPL via the Internet:

Insurance company HAYDE

Insurance Joint Stock Company VSK;

Insurance group "HOSKA" and others.

You can purchase an electronic MTPL policy on the official website of one of these companies or using our MTPL calculator.

Do not use the services of unverified insurers, especially if they have the cheapest compulsory motor liability insurance for a car. To avoid falling into the hands of scammers, before paying for the policy, check the license of the insurance company on the website of the Bank of Russia or RSA.

Who can insure a car under OSAGO

Before purchasing a policy, you should know that their sale is carried out not only by the official offices of insurance companies, but also by brokers and scammers. The last two have both positive and negative sides.

Brokers give you the opportunity to choose which company you would like to buy MTPL from, however, in this case, brokers are intermediaries, which means that you will have to pay a little more money to purchase insurance.

We cannot answer the question about where it is cheaper to buy MTPL insurance for a car with delivery around the clock, since there are a lot of companies, and they replace themselves every day, allowing new companies to take their place. In any case, it will cost you more than buying car insurance in the UK.

Now about the scammers. They also have a place among brokers, which means that you can get to them without much difficulty. They offer to buy insurance with a ready-made seal, wholesale or retail. And everything would be fine, but these forms can be either fake or real, however, after the conclusion of the contract, the information will not be transferred to the unified RSA database, therefore, in the event of an accident, no payments will be made to you.

As a result, I would like to say that before you run headlong to the first office you come across to buy compulsory motor insurance, read, analyze and draw conclusions. You can also buy an electronic policy, which will help you save much more time and money, but this should be done exclusively in your personal account on the official website of the insurer.

Rating of the best insurance companies for compulsory motor liability insurance in 2019

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Registration of compulsory motor insurance is mandatory for motorists - the absence of a policy will be detected at the first inspection and will entail a fine. The following is a rating of MTPL insurance companies by reliability , which will help you make the right choice. The review also provides general recommendations for the selection of insurance companies.

Which insurance company should I choose for compulsory motor liability insurance?

Having a compulsory insurance policy is a mandatory legal requirement and a guarantee of protection against significant expenses in the event of an accident. Under compulsory motor liability insurance, compensation is paid to the injured party in an accident by the insurance company, and not by the person at fault for the accident. The question is which insurance company to choose in order to purchase a policy on favorable terms and be guaranteed to receive payment in the future.

The insurance market in Russia is still unstable - therefore, before purchasing insurance, you need to study the list of MTPL insurance companies that have a license, black lists, reviews and ratings. The rating of the best auto insurers in terms of payments shows which companies you can trust - they service your obligations in full.

SC reliability criteria:

class occupied in the rating of the Central Bank of the Russian Federation, an international agency;
volume of local market share;
number of signed contracts;
refusals to pay (in percentage).

Almost all large companies are reliable MTPL insurers - they have been operating in the market for a long time, have a good reputation and access to foreign financial resources. These factors allow organizations to replenish working capital with minimal interest rates, staying afloat even in difficult economic conditions. Regional companies with a small number of branches sell policies at reduced prices, but are inferior in reliability to large insurance companies.

Top 10 insurance companies for compulsory motor liability insurance in 2019

Calculate your insurance with our free calculator and get quotes from the most trusted insurers.

The official rating of the best insurance companies for compulsory motor liability insurance is compiled by RA experts. Analysts constantly monitor the performance of companies and evaluate the data received. In addition to the Central Bank of the Russian Federation, NRA - independent rating agencies - take part in the assessment. They audit companies on a number of parameters, after which they assign reliability criteria. Some media outlets working with finance also do market analysis. Often their estimates are the same as those of the NRA, but there may be differences.

Based on the results of an expert analysis, the insurance company is assigned a reliability class - it consists of letters and signs “+”, “-”:

A++, AAA+ - the highest indicators, they are received by the largest market players;
A, A+ - indicates a positive financial balance, absence of serious debt obligations, claims from the regulator;
B—satisfactory level;
C - this category includes companies whose license will soon be revoked;
D—technical default;
E - SK at the stage of liquidation.

The reliability rating must be taken into account when looking for an answer to the question of where it is better to insure a car. The leading positions belong to large market players; small and medium-sized regional firms with a small network of branches are also included in the rating.

List of the best insurance companies for compulsory motor liability insurance:

"RESO-Garantiya";
Ingosstrakh;
"Helios";
"VSK";
Renaissance Insurance Group;
"Agreement";
"AlfaStrakhovanie";
"Rosgosstrakh";
"SOGAZ";
"MAX";
"Intouch Insurance";
"Inter";
"Energogarant";
Liberty Insurance;
Tinkoff Insurance;
"SK GAYDE";
"Bet";
"Ekaterinburg";
"ERGO";
"VTB Insurance".

This list shows not so much the reliability class as the number of signed contracts, and therefore the popularity of a particular organization.

People's rating of insurers

The public rating is based on consumer reviews - many car owners do not know where it is best to get a policy and look at the ratings of other drivers. This choice is subjective because it does not take into account financial indicators.

Here is the popular rating of the insurance company, where positive and negative reviews in % are indicated in brackets:

"VSK" (69/31)";
"RESO" (64/36)";
“Consent” (65/35)”;
"Alliance" (64/36)";
"Ingosstrakh" (61/39)";
"Rossgosstrakh" (60/40)
"Megaruss" (58/42)";
"Nasko" (60/40)";
"VTB" (56/44)";
"UralSib" (58/42)";
"Guta" (56/44)";
"Alpha Insurance" (53/47)";
"Renaissance" (50/50).

Where is it cheaper to buy OSAGO?

Cheap compulsory motor liability insurance - myth or reality? Reality, but you need to understand what you are paying for. The following factors influence the price of insurance:

length of service, age of the parent;
geography of movements;
participation in accidents;
motor power;
terms of policy issuance;
insurance statistics.

The cheapest car insurance will be profitable only if there is a guarantee of payment. For this reason, you need to take out a policy in trusted insurance companies. You can buy an MTPL policy cheaply online from the following companies (the base rate in rubles is indicated in brackets):

Rosgosstrakh (RUB 4,118);
"SOGAZ" (4118 rub.);
"RESO" (3604 rub.);
"Alpha" (RUR 3,432);
"MAX" (RUR 3,432);
"Ingosstrakh" (RUR 3,432).

The tariff corridor is set by the Central Bank, and many insurance companies set maximum rates. The basic tariff may be different for different regions; it will be cheaper to insure a car with an insurance company in the capital, since highly competitive working conditions encourage organizations to look for the most favorable terms of cooperation.

To reduce the cost of the policy:

choose a company with a minimum base tariff;
use CBN for accident-free driving;
get a discount by signing two or more contracts;
register the car in the region where the territorial coefficient is minimal.

Which insurance companies issue OSAGO policies online?

Online auto insurance is increasingly in demand because it saves time . You can apply for E-OSAGO at any large company. Ordering an MTPL policy online with delivery is offered on standard terms; companies can set different rates, provide remote registration only to old or both old and new clients.

List of insurance companies issuing electronic MTPL policies:

"Alfastrakhovanie" - registration of e-OSAGO is available only to current clients of the company;
"Renaissance" - online insurance for Moscow, Moscow Region, Yekaterinburg, St. Petersburg, Leningrad, Sverdlovsk regions;
“VSK” - nominally e-OSAGO is available for all regions of the Russian Federation;
"Zetta Insurance" - there are geographical restrictions;
"INTACH Insurance" exclusively offers extension of the current insurance policy;
"Liberty" - works with clients from Moscow, Leningrad Region, St. Petersburg, Krasnoyarsk, Irkutsk, Novosibirsk, Nizhny Novgorod, Oryol regions, Perm Territory;
"Reso Guarantee" - services are available in all regions of the country;
“ENERGOGARANT” - you can only extend the contract online;
"HOSKA" - restrictions by region;
“Moskovia” - services are not available in all regions of the Russian Federation;
“Parity SK” - renewal is done online;
Tinkoff Insurance issues electronic policies throughout Russia.

Blacklist of insurance companies for compulsory motor liability insurance

The black list includes those insurance companies that do not fulfill their obligations in good faith, or have certain problems with reporting and payment of funds. It includes:

"Aibolit";
"ASTO-Garantiya";
"Arbat";
"West Acras";
"Garmed";
"General SK";
"ASOL";
"Avest";
"ASOPO";
"BORK";
"General Insurance";
"Gorstakh";
"Confidence";
"Euro-Asian IC";
"ZHASO-M";
"Granite";
"GENERAL RESERVE";
"West Siberian Transport SK";
"Innogranate";
"CONDA";
"Continental"
"Crown";
"Zenith";
"EMPIRE insurance";
"Investstrakh-Agro";
"Leader";
"Metropolis";
"Our Hope";
"National quality";
"Nika Plus";
"Pyramid";
"Support-Guarantor";
"Nature";
"LK-City";
"Interregional Insurance Agreement";
"Industrial-Insurance Alliance";
"Rosmedstrakh";
"Rostrakh";
"PCT";
"TPSO";
"UNICUM";
"Ural AIL";
"Uralkoop-Polis";
"Rukso";
"Russian SK";
"Russian World";
"RussoBalt";
"RASO";
"Recon";
"Sever Polis";
"SK KG";
"SCM";
"SOLO RT";
"Rosinvest";
"REDD";
"North-Western SK";
"Sports Insurance";
"Insurance Company of the CIS";
"Transgarant";
"URALROS";
Fidelity Reserve;
"Finist-MK";
"Queen";
"ESCO".

Problematic organizations may have a license or operate without one, but policyholders have problems with them many times more often than with others.

Reviews about insurance companies

Customer reviews about car insurance are always subjective, but they can and should be taken into account when choosing an organization. Pay attention to data on the cost of policies, reliability, compliance with payment obligations, quality of service, reasons for refusals.

Rating of MTPL insurance companies - the best insurers in 2019

Compulsory motor third party liability insurance for drivers has been introduced in Russia since 2003. Today, dozens of companies offer compulsory motor liability insurance. Their activities are based on the requirements of federal legislation regulating the procedure for providing services. However, the terms of interaction with clients remain the prerogative of insurers. Accordingly, car enthusiasts have the opportunity to choose the most advantageous offers.

The rating of MTPL insurance companies will help with this, where all organizations are built in a certain hierarchy. What criteria underlie the lists, who compiles them and how to choose the right service will be discussed in this article.

How are car insurer ratings compiled?

The need to compile a rating of auto insurers is dictated by the current situation in the market. Every year different players take part in it. Some of them cease operations due to bankruptcy, deprivation of a license and other circumstances. All this negatively affects the interests of clients who want to choose an insurance company based on reliability and stability.

The compilation of any rating is based on criteria that help to arrange its participants in a given hierarchy. Those who best meet the requirements are at the top of the list. The rest remain below.

A similar logic applies to insurance companies. Here, the parameters for evaluating activities are, first of all, indicators directly related to the interests of clients:

ratio of payments and refusals;
the amount of insurance compensation;
number of clients the insurer has;
the ratio of the volume of reimbursed funds to the amount of insurance payments;
waiting time for compensation.

The most important indicator characterizing the work of companies is financial results. For example, experts on the Banki.ru portal form a ranking based on data on collected insurance premiums. At the same time, the rating of the cost of compulsory motor liability insurance for all players is almost the same, since the size of tariffs is determined by federal legislation.

Categories of car insurer ratings

Assigning a company to a certain rating category can say a lot about its reliability. One of the leading agencies, Expert RA, uses the following class scale:

“A” – high level of creditworthiness;
“B” – acceptable, moderately high level;
“C” – very low level;
“RD” - the company is under the control of supervisory authorities;
“D” – the company is in default.

Important! Each class is differentiated into three sublevels - lower (with a category letter), middle and upper (with + and ++, respectively).

The National Rating Agency uses a slightly different scale to evaluate the activities of insurers:

AAA – the highest degree of reliability;
AA – very high level of reliability;
A – high degree;
BBB – sufficient level;
BB – average level of reliability;
B – satisfactory level;
CC – low level;
C – low level of reliability.

Types of insurance company ratings for compulsory motor liability insurance

Expert rating

The ranking is carried out by experts from financial portals or specialized agencies based on data on the activities of companies. Typically, car insurance ratings are based on:

volume of insurance premiums;
the amount of authorized capital;
the amount of premiums collected;
number of existing insurance agreements;
some other indicators.

Table 1. List of TOP 10 Russian auto insurers by the amount of premiums collected in the first quarter of 2018 (according to RIA Rating):

Where is it better to insure a car under MTPL in 2019 - which insurance company is cheaper and more profitable to buy a MTPL policy from?

Every car owner is ever faced with the question of where is the best place to insure compulsory motor vehicle liability insurance or which insurance company to choose for this. After all, there is a large list of organizations that provide car insurance, but the problem of who is cheaper to buy the most profitable insurance will always worry car owners in Moscow.

The need to conclude an MTPL agreement is the responsibility of every car owner.

At one time, road traffic accidents were analyzed, and the legislator decided to introduce an insurance system.

Now certain companies that meet certain criteria can offer everyone car insurance services, online insurance and, in some cases, announce the possibility of purchasing additional insurance, if this does not violate current legislation.

Where is it more profitable to choose an MTPL policy in 2019?

The current regulatory act refers to the concept of “MTPL” as preventing the consequences of road accidents by protecting the car owner from additional expenses if his guilt is revealed following an investigation into the causes of the accident. When such a moment occurs, the insurer will be obliged to reimburse the amount specified in the contract to the injured citizen.

If it turns out that the driver did not enter into an MTPL agreement or is simply expired, then, as required by law, the individual loses the right to drive his own car.

Now there is an established generally accepted methodology for assessing the damage caused. But complaints about it, or rather, about the actions of insurance companies in the assessment process, become the subject of constant discussions and incessant complaints. This is more likely due to the actual actions of those assessing the damage, rather than to the imperfections of the existing system.

Which insurance company is cheaper to apply for compulsory motor liability insurance?

The question of where inexpensive car policies are made and issued, and which policy to choose is relevant every day. At the same time, when choosing from companies that practice auto insurance, you need to start from a number of data.

First you need to understand what insurance companies there are, which insurers are the best and where you can quickly get insured . This is due to the fact that the state has given sellers the opportunity to offer compulsory motor liability insurance policies in a certain price range.

At the same time, companies can either raise or lower insurance prices, dumping and recruiting clients.

All these measures are linked to a number of risks for the acquirer, which will be discussed below.

The bottom table shows the most profitable insurance companies in proportion to policy prices within the tariff corridor established by the Central Bank of Russia. This is the minimum cost from which insurers start when offering their services to consumers. However, in some cases, insurance can be obtained cheaper.

The cheapest policy does not guarantee the reliability of the company . Therefore, when asking the question of which insurance companies are more profitable to make a document with, you need to start from the reliability rating. It is constantly changing. Some organizations leave the market, unable to withstand the competition. Others simply go bankrupt due to a mistaken strategy regarding disproportionately inexpensive policies.

Where is the best place to apply for and buy an MTPL policy in 2019?

Nevertheless, a number of remaining firms have successfully maintained their place among the leaders, consistently, and for many years. It’s probably worth focusing on them in order to understand what kind of service can be guaranteed to be obtained in the car insurance market without unnecessary risks of not receiving the amount of compensation or, conversely, getting problems in the form of fake insurance.

Reliability rating of the most famous insurance companies in Russia in 2019 in descending order:

Of course, in some cases you should trust the reviews and opinions of those who managed to purchase insurance from popular insurance organizations. Including inexpensive, because the needs of all clients are different.

It must be remembered that reviews of companies can be either fake, paid for by the companies themselves , or unnecessarily negative. Because it will be easier and faster for an irritated, deceived client in the wake of an emotional breakdown to write an unflattering review than to share good impressions with a satisfied car enthusiast.

The latter, as a rule, prefer to remain silent, rightly believing that since they received excellent service for money, then it should be so.

What to pay attention to when applying for compulsory motor liability insurance

Sometimes, offering the cheapest policies, insurers on the pages of their portals make it possible to quickly determine the amount of possible expenses using online calculators.

This often simplifies the dilemma that arises:

where is the most profitable insurance;
how to get insurance;
how to apply for a policy online today;
choose “Uralsib”, “Rossgostrakh” or “VSK” which is better, etc.

After all, a professionally designed website for an insurance seller’s portal is akin to excellent management: it helps speed up the purchasing process and saves the buyer time. What the latter appreciate and often leave good reviews about the service, as you can see below.

At the same time, no one ever stops a potential buyer from calling the company’s hotline and finding out all the questions they have. Calls to such services are usually free.

You need to be extremely careful when buying insurance on a very cheap policy . Here you can expect either document falsification, when policies that are being sold are either listed as lost or simply written off. Or the seller imposing additional paid services.

Among those who bought cheap insurance, there are deceived clients on both sides. Unfortunately, such fraud does not stop today.

Where is it more profitable and cheaper to apply for compulsory motor liability insurance online?

According to the law, car owners are given the opportunity to purchase a policy via the Internet . An electronic document executed and paid for online has the same legal force as one acquired in the usual way. Theoretically, its cost should not differ from its paper counterpart. But in reality it may turn out to be much cheaper.

Due to the imperfection of local programs that accept payments and process applications for the sale of MTPL policies, there are frequent cases of software failures during registration, problems with writing off funds, issuing problematic insurance numbers, etc. Usually all these issues can be solved, but finding out the causes of certain problems sometimes takes a lot of time.

Therefore, online registration of insurance is a double-edged sword:

On the one hand, it is fast and convenient, it is possible to pay by bank transfer.
On the other hand, a program that does not function properly often fails car owners who want to buy a policy online.

Which insurance companies sell OSAGO online?

Car owners give a variety of reasons for purchasing insurance policies online:

Then they cannot take out profitable insurance near their home or place of residence.
Either the policy has expired, and now there is a need to buy insurance as quickly as possible. Or they just don’t want to jostle in lines.

And some drivers are forced to use the Internet by the insurers themselves, again due to current problems with customer service.

Moreover, sometimes it comes to the point that, in order not to lose the client, he is redirected under the protection of another policy seller. Such cases are not uncommon and occur with some frequency.

Some of the established sellers of MTPL policies online in the insurance market are the following companies:

Ingosstrakh;
Rosgosstrakh;
Alpha Insurance;
Heide Insurance Company;
Evtoins;
Muscovy;
Uralsib Insurance;
Tinkoff Insurance;
Insurance Joint Stock Company VSK;
Liberty Insurance;
HOSKA Insurance Group and a number of others.

How to check the reliability of an insurance company

To evaluate their activities, databases of the best insurers are created on the Internet with the ability to write reviews from clients. Such rating portals with a good status provide the opportunity to write an ongoing complaint and forward the latter to the appropriate insurance company for investigation. And often complaints from customers can be resolved in this way.

It is also possible to check a dubious company by sending a request for a license from the policyholder. This function works on the website of the Bank of Russia or RSA.

To determine the reliability of a company, you can also use such parameters as the size of the company’s authorized capital and the ratio between money received and money paid.

If the authorized capital is less than legally approved, the insurer does not have the right to operate in the market. The payout ratio is calculated for each product offered separately.

When deciding which insurance company is best to contact, they pay attention to the presence of an extensive network of branches in the region where client service is provided. The more branches, the more convenient it is for customers.

They look for additional promotions and discounts (within the limits of reasonable, and not obvious dumping). Large, stable companies often allow the practice of providing various discounts and including additional insurance services in the overall package.

Rating of insurance companies in terms of MTPL fees for 2016:

Where is the best OSAGO?

The question: “Where is the best OSAGO?” - many motorists ask. At first glance, searching for an “inexpensive” company is pointless, because everyone’s tariffs are the same, and a third party will receive the money. But there are still some nuances that depend on the insurer.

For example, in the case of an accident, the amount of payment depends on the company. That is, it depends on the insurance company how much the injured party will be satisfied with the amount. When the victim is satisfied with financial compensation, the case will end peacefully; if not, there is a possibility that he will go to court, demanding to recover the missing amount.

In addition, the situation is complicated by the fact that such companies often close down. The reasons may be different, for example, revocation of a license, bankruptcy, and so on. To make a choice in favor of any insurer, it is necessary to analyze various factors. As a rule, in most cases, the most reliable ones lead in all positions.

How to choose an insurance company for compulsory motor liability insurance?

You should know that no insurance company fully compensates for losses. In practice, about 40-50% of the actual amount of damage is paid. According to statistics from the Russian Union of Auto Insurers for 2012, insurance companies collected 120.9 billion rubles, but paid out only 61.9 billion; therefore, no matter how much the drivers hoped, they would not receive full payment.

For CASCO insurance, you need to choose an insurer more carefully than for MTPL. This is due to the fact that the auto liability policy is mainly regulated by federal laws, and CASCO insurance is governed by insurance rules that each company sets independently.

When choosing an insurance company, you should consider the following factors:

Price. A very low value may indicate that the policy is counterfeit. A price that can be trusted must be within the base rate established by law.
License. Having a document confirming the right to operate is a prerequisite for reliable institutions.
Rating. The compilation of such lists is carried out by qualified specialists who form the list based on the authorized capital of the organization and the ratio between funds received and paid.
Availability of branches. Such a criterion indicates the convenience provided to customers and the significant demand for the product.
Additional service. To attract clients, large, stable companies offer various promotions, discounts, and additional free services (for example, legal advice, tow truck).
Duration of activity. The longer an institution provides services, the more reliable it is.
Reviews. Of course, there won’t be only positive comments about the insurer’s activities, but it is important that there are significantly more of them than negative ones.

A good insurance organization is a reliable institution that promptly fulfills its obligations. Any insurer must be able to make payments and not go bankrupt.

If you have settled on a little-known insurer, the first thing you need to do is check whether it has a license to operate. There are more than 400 of these in the Russian Federation and each has dozens of agents. The list of insurance organizations is presented on the website of the Bank of Russia. Institutions that have been operating in this market for more than 10 years are more trustworthy.

Which insurance company is better to apply for compulsory motor liability insurance?

Reputation in the market for the services provided is very important for insurers. If little is known about the institution, only “old” clients will cooperate with it. Therefore, organizations spend huge amounts of money on self-promotion. This allows you to increase the customer flow, but the quality of the services provided and reliability may be far from desired.

According to statistics, only some companies have earned complete trust among car owners:

Rosgosstrakh. The government structure is considered the most reliable among drivers and has the highest market share (35.83%).
AlfaInsurance. According to ratings, it is among the ten best insurers. Among car owners, the company is considered to have the most reasonable prices.
VSK. One of the “long-livers” in the insurance market (operates for more than 20 years). More than 5 million individuals use its services.
Agreement. Provides insurance in various areas, including auto insurance. It has been operating for more than two decades.
Renaissance. A relatively young company, popular due to its reasonable prices.

If you have decided on an organization, it is better to draw up the document directly in the office. When you decide to sign an agreement with an agent, check his power of attorney for the right to carry out activities. It is not uncommon for intermediaries to “forget” to hand over money for policies or to sell stolen car insurance.

Advantages and disadvantages of OSAGO insurance online

Every day more and more policies are sold via the Internet. Purchasing insurance online has both positive and negative aspects.

The main problem that car owners most often encounter when drawing up a document in this way is errors and inaccuracies in the database of the Russian Union of Auto Insurers.

If the data is correct, everything works out clearly and quickly. When the information about the car owner does not match the actual one, it is difficult to buy an online policy.

But since the information in the RSA database is updated as new contracts are concluded, if it was not possible to issue OSAGO online this time, you can try next time. But this year, when purchasing, you should make sure that the insurance employee correctly entered your data into the system.

Advantages of purchasing a policy online:

purchase at any time of the day, without leaving home;
registration in a couple of minutes;
You can calculate the price here on the website using an online calculator;
lack of bureaucracy;
You can pay using electronic wallets;
You can see accurate information about current tariffs and additional services.

One of the important advantages of online insurance is the reduction in the cost of the policy. Since there is no need to hire employees to prepare documents, open offices, or pay commissions to agents, the price of compulsory motor liability insurance becomes lower.

Among the disadvantages is that the majority of citizens do not trust purchases on the Internet, so the demand for online processing is still lower than for directly purchasing paper in the office.