10 best insurance companies CASCO

Comprehensive insurance can be calculated on all the options from the theft of a radio and scratch on the wing to full-fledged theft or destruction of the vehicle. In addition, most companies offer lucrative discounts. As well as a simplified version of the Hull for those who want cheaper. In our ranking of the best insurance companies Hull we picked up the most beneficial offers that can be trusted. Top based on the reviews, specifications policies, evaluation on the national scale. Remember that if you select first is to believe the calculator Hull for each of the proposals, depending on the model and other parameters the cost will vary.

TOP 10 BEST INSURANCE COMPANIES CASCO

10 ZETTA INSURANCE

Professional Hull
Rating (2021): 4.1

At first glance, the company might seem unknown or unfamiliar. She's actually working on the Russian market since 1993. Before Zetta was called "Zurich". Firm serious about to work with the Russian clients and to provide services of the highest quality. Compared to the best firms in our ranking, it can be called the average company. But that did not stop her to evaluate national scale ruA+, which means "stable and promising development." And "Zetta" used the term a hundred. The company has not the highest level of payments under the insurance – only 39%. But the convenience and quality of service make it a comfortable and profitable, especially given the active development of the company.

In the core is car insurance – it accounts for 62.5% of all Affairs of the company. Therefore, the firm in this case may be more experienced than the larger "generic" competitors. The Hull is based on the base rate. The client chooses whether he wants to protect the machine from all or only the most common situations. Also the price of policy KASKO can shoot down neat driving by 50%. Zetta is a promising development firm in the insurance market.

9 RENAISSANCE INSURANCE

Rent a "replacement" vehicle for the insurance covering
Rating (2021): 4.1

Is rightfully considered one of the most advanced companies. The system is so convenient that "the Renaissance insurance" is a leader in the sale of insurance over the Internet. Besides, it does not prevent her to be one of the largest insurance companies in the market. The valuation of the firm on a national scale is ruAA-. That is, "Renaissance insurance" is considered an organization with a stable solvency and stable financial stability, though not perfect. According to the views of professionals do not leave the TOP 20 best. A review the clients system of the company as a convenient. They like not having to spend a lot of time on the design. Happy statistics of the company: the level of payments 52% and the number of failures in the amount of 1.83% of all filings allow the company to be one of the most reliable.

Initially, the firm offers a basic package that includes what the customer chooses. Among the special features is the ability to take the insurance the other car rental during the repairs of his own. Also there is a delivery for a taxi at the expense of the policy from the accident scene. The price of services is appropriate. But the company provides many opportunities to save money. The list of options included everything from system of careful driving to reduce risk.

8 VSK INSURANCE HOUSE

Policies under different customer needs
Rating (2021): 4.2

One of the leaders in the insurance sector in the Russian market. Consistently ranks in the ranking of the best domestic companies. Working since 1992. Car insurance for firms has become a key element, it accounts for over 50% of all policies. Official analysts assign it a place in the top ten. The level of VSC may also confirm the national scale reliability. For home insurance assessment amounted to ruAA. This means that the indicators of creditworthiness and financial strength are on a different level. In the reviews the customers note the high professionalism in counselling and assistance. The number of failures not the rainbow – the whole of 5.81%. But the decent payout rate is 41%.

The company can offer four main packages insurance services: "CASCO classic", "Hull CD", "Hull CD+" and "Confident". In the first case, you decide what you need to keep in the car, but the price goes accordingly. Compact normal save 75%, but only covers the most frequent trouble. And "Compact+" is a full insurance for accidents, covering all possible risks. Package is "Confident" that in turn allows you to save up to 30% of the cost of basic Hull insurance policy and gives full insurance policy when the first insured event. Separately, you can buy the service "roadside Assistance" and GAP insurance, is designed primarily for credit cars.

7 ERGO

European quality of service
Rating (2021): 4.3

Company Ergo came to Russia from Germany. In the European market is one of the leading positions. Work in Russia is carried out for 27 years. During this time, performing well for its stability. On the national scale, Ergo received a rating of ruAA+. The insurance company has a high creditworthiness and stable financial reliability. Rating slightly below up to a maximum figure, but it's not a big problem, reliability will be enough to cover all insurance claims. According to official ratings and customer reviews ranks the 25 best insurance companies with a minimum of negativity from customers. The level of payments the Ergo inspires confidence: the company provides this indicator at 58%. Although the level of failure in payments can be alerted of 9.9%.

Originally KASKO in the company is based on the basic package. It does not require special conditions of detention of the car at night. Separately, the firm includes payment for the glass elements. For those who goes to Ergo from another insurance company, there is discount to save 20%. But only if there is information that before the driver had no accidents. But if you are confident in your experience, you should pay attention to the "Telecash". The better the readings on your driving style, the less you pay. It's nice that the sum insured under the Hull insurance policy will remain in force for the entire validity period even if the company will conduct a few payments to the owner.

6 RESO-GARANTIA

The best set of insurance packages
Rating (2021): 4.4

Insurance company universal profile. Is among the largest and have shareholders in Europe, so it does not depend so heavily on the Russian market. Despite the high status, is still steadily growing. An example is a change in the rating of stability with increased ruAA he rose to ruAA+. Financial stability and reliability of the company grew almost close to the ideal indicator. Professional analysts say the firm in the top ten. In the client reviews, it also quite often noted on the positive side. RESO-Garantia provides a decent payout rate of 49%. Without failure of the company bit – 3,47% of the total volume of applications.

Insurance the company is called "Rasauto". Particularly pleased with the list of insured events in the policy: it includes all the standard incidents as well as actions of animals outside the cabin, a sinkhole, and so on. But also in addition to the vehicle insurance can consist of additional equipment and accident or civil liability. To expand the possibilities by using additions from the company PECO. For example, policy "a РЕСОавтоGAP" allows you to save the cost of the car when it is theft or total damage. This will help to cover any unexpected expenses. Also for confident drivers have "Hull-Profi" – according to this policy for a small amount is added to the guarantee payment, if the client is not to blame for the accident.

5 LIBERTY INSURANCE

The best ratio "price-quality"
Rating (2021): 4.5

The size of insurance premiums has a strong place in the middle. The focus of work – Hull and CTP. They at the end of the year bring the company the highest revenues. Despite the fact that the Finance leader's position is not liberty, the firm was awarded the national scale rating at ruAA+. This is almost the highest rating of the prospect to score maximum. But in any case, it means that the company is creditworthy and financially stable, so what exactly does insurance. Customers especially love the firm, in their opinion, it rarely leaves the top three. Also the conditions of the Hull insurance from liberty were recognized as one of the best ratio price-quality. A small percentage of failures (3,86%) in the level of payments 49% instills confidence in the firm.

One of the features of the Hull of the "liberty" – a handy calculator. During the counting takes into account not only the parameters of the vehicle, but also the history of the driver, his experience, marital status, credit history. This is what allows you to make the most optimal variant policy. Also for those who want cheaper options, there is a "Minicase". It is designed only for serious trouble with the car, small also does not take into account, and evaluates it.

4 SOGAZ

Independent selection of options
Rating (2021): 4.6

Among universal insurance companies of SOGAZ ranks first as the largest firm. By most measures and fees is considered to be a recognized leader. Its financial position confirms the assessment of national scale ruAAA – the maximum possible indicator of stability in Finance and credit. So you can not be afraid that the company is suddenly not enough money. In official ratings has traditionally been in the TOP 5 due to the excellent performance. For reviews the firm ranks in the TOP 25 due to the fact that in most of the cases solves all the questions of the customers in the branches, and not through the website. Negative feedback is noticeably smaller than competitors, which indicates a higher quality of service. The average failure rate in the amount of 4.79% with a great indicator of the level of payments 68% allows the trust SOGAZ insurance of your car.

The original cost of Hull insurance is determined by using a special calculator – calculate you can hold on to the SOGAZ website. Additional insurance conditions are taken into account already in the design. The main convenience is that you can choose the necessary services from the proposed. The list begins with the usual stealing something and ends a full set of "hijacking, theft, accident, damage, civil responsibility," and so on. Also according to the customer different possible combinations.

Best discount system
Website: ingos.ru
Rating (2021): 4.7

The company on the market since 1947, during this time, she managed to conquer vast as national insurance, and foreign. One of the largest and best among the domestic organizations. Credit rating Agency gave the company a rating ruAAA, the highest possible. The company has almost no chance of bankruptcy, it will not be on the market. Can not but rejoice the payment index of the firm – it is 55%, which is high level for insurance companies.

When purchasing the Hull an extensive system of discounts, which will make payments much nicer to the wallet. For example, if you go to the insurance company from another company, and thus provide a certificate stating that your driving history of no accidents, the price of the policy reduced by 20%. Best system and those who extend relationships with the company. If you have not had accidents during the previous policy, when the renewal Ingosstrakh will provide a 10% discount.

2 ROSGOSSTRAKH

The best reliability insurance
Rating (2021): 4.8

Large and old insurance company, which provides a high level of reliability insurance. Kept steadily in the TOP 10 best companies for reviews, responsibility and convenience. Received a rating of ruAA-that only a little bit not up to the highest level. Rosgosstrakh has a high payout rate is 64%, which is virtually the largest number in our ranking. Don't even bother 6.9% of the refusals to payments, as the court has passed only 0,82% of transactions rejected.

Rosgosstrakh offers several programs of insurance, which are suitable for both beginners and experienced drivers. Only five programs: "Nothing in excess" and "Crisis" for beginners that offer quality protection as well as "Economy 50/50" and "Protection against accidents" for pros who want to insure against unforeseen situations. General programme "Protection" allows you to choose only the options you want, without paying for extra. If you wish to reduce the cost of Insurance even more, if you apply for a franchise. Also takes into account the past history of the accident for insurance: if pure, then the price of the Hull will be less.

1 ALFAINSURANCE

Smart insurance for careful drivers
Website: www.alfastrah.ru
Rating (2021): 4.9

Alpha company provides more than 100 insurance products for. And honestly takes the place of one of the largest companies in this field. National scale rating at first glance can be a little frustrating as they have is not the maximum rating and ruAA – high level of financial stability, not the maximum. But this should not be attributed to the cons, because the difference in the translation into numbers is not so big. On the other hand, the reviews company AlfaStrakhovanie always consider positive. The level of trust the population enough to it high.

Like all insurance companies, to determine the exact Hull you need to count in a special calculator. But for careful drivers of cars aged up to 7 years there is a "Very smart Hull", which allows you to save up to 55% on the price of the policy. Its essence lies in the fact that the vehicle is equipped with a special device which monitors the accuracy of driving. And 3-6 months of careful driving firm gives a discount. Driving style can be tracked through a special application and adjust if necessary. The procedure itself takes no more than an hour signing papers and installing the unit.

Source