Rating of insurance companies by fees. CTP insurance companies rating. Main evaluation criteria

On the whole, Russian car owners have a positive assessment of the compulsory motor third party liability insurance system. Nevertheless, over 70% of controversial situations in domestic insurance are associated with "car insurance". That is why the right choice of an insurance company when buying a MTPL is so important. The ratings of insurance companies are intended to facilitate the search for the right insurer.

• Rating of insurance companies by OSAGO based on statistical information;
• The current national rating based on feedback from policyholders for 2011-2013.

MTPL rating: an assessment of the financial performance of insurers

Table 1. Leaders of the Russian OSAGO market in 2012.

It should be noted that the fees of insurers for OSAGO are distributed extremely unevenly:

• The market share of Rosgosstrakh exceeds 32%;
• The three largest Russian companies account for over 50% of the market;
• Fifteen largest Russian companies have collected 85% of the insurance premiums for OSAGO.

Rosgosstrakh is the undisputed leader in this rating. The second and third places are taken by Ingosstrakh and RESO-Garantia, respectively. It is these three companies that have the most developed branch network, which allows them to cover regions where other companies are poorly represented.

Other financial indicators

A significant amount of insurance premiums is not the only indicator of a company's trustworthiness. A more objective assessment is possible with an additional comparison of the level of payments of insurers for OSAGO for the reporting period:

• The extremely high level of payments may indicate that this type of insurance is unprofitable for a particular company. This may force the insurer to use various unpopular ways to reduce the total amount of payments (refusal to pay for OSAGO, underestimation of the amount of compensation). From the point of view of the car owner, this situation is far from ideal.
• The extremely low level of payments is also an alarming sign for the insured. Deviations from the average market value are possible, however, a significant difference most often indicates a high percentage of refusals to pay compensation for compulsory motor third party liability insurance.

The average market level of MTPL payments for the 15 largest insurance companies in Russia is 56.6%. At the same time, companies with a level of payments in the range of 42% -67% can be considered relatively stable. An abnormally high level of payments (over 70%) is typical for several companies (Insurance Group MSK, MAKS, Russia). If the situation does not change, they may face financial problems in the future.

People's rating on compulsory motor third party liability insurance for 2013

The expert rating allows you to consider insurance companies from the point of view of objective indicators. However, it is also necessary to take into account subjective data: the level of service of the IC, the speed of customer service, the friendliness of the employees. It is for these purposes that there is a national rating for 2013. When compiling the rating, the following are taken into account:

• Reviews of insurance companies by users of the "Insurance Guru" portal;
• People's ratings of insurance companies on the leading insurance resources of Russia.

Table 2. People's rating by OSAGO for 2013.

It is noteworthy that the top two lines of the national rating are occupied by insurance companies with a similar business model:

• Intach and Liberty Insurance are owned by large foreign financial groups;
• The share of both companies in the OSAGO market is relatively small;
• A similar approach to working with clients - sales without intermediaries;
• A significant portion of the insurance premium comes from internet and telephone sales.

The listed points partly explain such a high position of Intach and Liberty in the rating:

1. Working without intermediaries means, on average, a higher level of service for car owners. Insurers with an extensive branch network receive a considerable amount of negative reviews on OSAGO through the fault of unscrupulous insurance agents in certain regions.
2. The rating of larger companies often suffers due to the greater number of reviews (and, as a consequence, the greater number of negative responses).

It should be remembered that even the consolidated rating of insurers' reviews on OSAGO is quite subjective, because the level of service in an organization may differ significantly depending on the region. However, it allows you to determine which companies insurers distinguish from others. Having decided on the choice of IC using ratings and reviews, you can calculate the cost of the policy for your car for

We apply to insurance companies when we issue CASCO or OSAGO, insure life, health and property. But so that the money invested in the policy does not turn out to be lost, you should carefully choose who to entrust the insurance.

Top 15 best insurance companies in Russia

15. Consent

The company belongs to the group ONEXIM M. Prokhorov. The company reinsures its risks with both Russian and large international insurers - Swiss Re, Munich Re, SCOR.

14. VSK Group

The company offers over 100 types of insurance for both private and corporate clients. The VSK network includes 91 branches, as well as 673 branches in all regions of Russia.

13. Rosgosstrakh Group

This insurance group is the leader in terms of the scale of its branch network. Rosgosstrakh is a completely private company owned by D. Khachaturov. The company has 43 million private and over 240 thousand corporate clients.

12. RSHB-Insurance

The young dynamically developing company was founded in 2011 by Rosselkhozbank. RSHB-Insurance has 52 representative offices and operates in the corporate and retail segments.

11. Alliance

The company has been on the market since 1991 and was widely known under the ROSNO brand. Alliance has representative offices only in Moscow and St. Petersburg. A controlling stake in the UK is owned by one of the divisions of the German holding Allianz.

10. ZHASO

The universal insurer has been on the market since 1991. The company was established by the USSR Ministry of Railways as the main railway insurer. Over time, ZHASO expanded its line to include almost all types of insurance.

9. SOGAZ

The company was founded in 1993 as a subsidiary of Gazprom. The Board of Directors of SOGAZ includes representatives of Gazprom and Bank Rossiya. SOGAZ is the official insurer of the KHL.

8. Unity Re

The company works with citizens and enterprises of Russia and the CIS. Since 2006, Unity Re has been actively expanding its presence in the markets of the Middle East, Africa and South America.

7. VTB Insurance

The sole owner of the company is VTB Bank. Thanks to close cooperation with the banking sector, the company occupies a leading position in the mortgage insurance market.

6. Energogarant

The company offers 59 types of insurance for individuals and companies in various industries. In the insurance market "Energogarant" since 1992.

5. Renaissance Insurance Group

The company's share in the insurance market is 2.3%. Renaissance on the market since 1997, since 2006 the company began to insure legal entities.

4. SK Transneft

The company was established in 1996 as a risk management tool for the parent company - AK TRANSNEFT. The company specializes in corporate insurance programs, as well as unprecedented experience in risk insurance in the oil industry.

3. RESO-Guarantee

Founded in 1991, the company is consistently ranked among the best in high positions. RESO has about 900 sales offices and almost 20 thousand active agents throughout the country.

2. Ingosstrakh IJSC

The company is consistently leading in terms of media activity - Ingosstrakh has no competitors in terms of the number of mentions in the media. The insurer is the legal successor of the Soviet Main Directorate of Foreign Insurance.

1. Alpha Insurance

The top 15 insurers are headed by a company belonging to the Alfa Group holding. Alpha has been present in the insurance market since 1992. In total, there are over 400 representative offices of the company in the country.

Full rating

As a rule, any of the motorists who are beginning to take an interest in CASCO insurance would like to know - which of the insurance companies will offer not only the cheapest rate and the best conditions, but will also be more reliable than others !?

After all, it is possible that the insurance company can not only go bankrupt, but also use various pitfalls when making a contract! As a rule, such pitfalls can be easily detected by the number of people insured by a particular company.

"United Insurance Center" invites you to familiarize yourself with the rating of the best insurance companies in terms of CASCO for 2012-2013. The rating was compiled on the basis of data from the Insurance Supervision Service (FSIS) for 2011-2012.

With the help of this rating, you can always compare the calculations of the "Single Insurance Center" directly with the reliability of a particular insurance company. You can calculate a favorable CASCO tariff in a specific insurance company by visiting the "Partners" section of the site.

TOP-10 insurance companies for the sale of CASCO for 2012-2013

• 10th place. Insurance group "Uralsib"... One of the leaders of the modern insurance market has been successfully operating in Russia for over 20 years. Having high indicators of reliability and insurance reserves, according to data for 2011-2012, the volume of Uralsib Group's CASCO insurance premiums amounted to over 4.7 billion rubles.

• 9th place. Insurance group "Alliance"... The Alliance Company is over 50 thousand corporate clients, 17 million individual clients, about 500 sales offices throughout Russia and 130 types of insurance! As of 2011-2012, the volume of Alliance insurance premiums under CASCO insurance amounted to over 5.4 billion rubles.

• 8th place. Insurance company "AlfaStrakhovanie"... One of the largest Russian insurers, the Alfastrakhovanie group, boasts a volume of CASCO insurance premiums for 2011-2012 in the amount of over 7.1 billion rubles - a worthy 8th place in the rating of the best insurance companies!

• 7th place. Renaissance Insurance Group... Renaissance Insurance operates in 60 types of insurance, and CASCO is one of the highest priority types. Over 7.7 billion rubles - the volume of CASCO insurance premiums in 2011-2012. The consumers of Renaissance Insurance recognized the best CASCO conditions, taking into account the accident-free operation in the previous insurance period.

• 6th place. Insurance group "MSK"... VIP-service, installments up to 3 months, and most importantly - the volume of insurance premiums in the amount of over 8.2 billion rubles, do not allow us to doubt the reliability of the insurance company "MSK", which completes the first part of the rating of the best insurance companies in CASCO for 2012 -year 2013.

• 5th place. Military Insurance Company (VSK)... The 5th place and the milestone of 10,000,000,000 rubles goes to "Military Insurance Company", better known to consumers as "VSK". The volume of insurance premiums "VSK" for hull insurance for 2011-2012 amounted to over 10.4 billion rubles!

• 4th place. Insurance company "Consent"... More than 20 years in the insurance market have allowed Soglasie to reach the milestone of over 11.7 billion rubles in the framework of CASCO insurance premiums for 2011-2012. The insurance company "Soglasie" is successfully completing the TOP-5 rating of the best insurance companies in terms of CASCO for 2012-2013.

• 3rd place. Insurance company "Rosgosstrakh"... One of the leaders of our pedestal is the insurance company Rosgosstrakh, which showed the volume of CASCO insurance premiums in the amount of over 17.2 billion rubles as of 2011-2012. It's nice to say that unlike the previous companies, Rosgosstrakh offers insurance by installments with payment within 3, 6 or even 9 months!

• 2nd place. Insurance company "RESO-Garantia"... Not far from the leader of our rating, in the 2nd place of honor, is the RESO-Garantia insurance company, which showed the volume of insurance premiums over 20 billion rubles! 20.9 billion rubles - these are the data on insurance premiums for CASCO for 2011-2012 for this company.

• 1st place. Insurance company "Ingosstrakh"... The leader of the rating of the best insurance companies in terms of CASCO for 2012-2013 is the insurance company Ingosstrakh and its volume of insurance premiums in the amount of over 23 billion rubles. It is, without a doubt, the most reliable insurer, having concluded about half a million voluntary auto insurance contracts in 2011.

You can always calculate a favorable rate in most insurance companies of this rating on the main page of the website of the "Single Insurance Center", or by visiting the Partners section of the website. If you have any questions, please contact our consultants ..

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The beginning of 2013, according to the experts of RIA Rating for the insurance market, was quite successful, despite the slowdown in growth rates compared to 2012. According to the Federal Financial Markets Service, 241.5 billion rubles were collected for all types of insurance in the first quarter of 2013. insurance premiums - 12.8% more than in the first quarter of the previous year, payments amounted to 90.7 billion rubles. (+ 13.6%). Within the framework of voluntary insurance, the growth of collected premiums amounted to 14.6%, reaching 191.7 billion rubles, while the growth in payments was significantly lower - only by 5.9% to 60.0 billion rubles.

To assess the current positions of insurance companies in the market, the experts of the Rating Agency "RIA Rating" have prepared a regular rating of insurance companies in terms of the amount of collected insurance premiums. The rating is based on data from the Federal Service for Financial Markets (FFMS) and is built by ranking insurance companies by the volume of premiums received in the first quarter of 2013 from voluntary and compulsory insurance, excluding compulsory medical insurance (MHI).

Insurance companies SOGAZ, Rosgosstrakh, Ingosstrakh became the leaders of the rating in terms of the amount of collected insurance premiums in the first quarter of 2013. The top ten rating also includes RESO-Garantia, VTB Insurance, AlfaStrakhovanie, IC Soglasie, VSK, IC Alliance and MAKS. The highest ratios of payments made to premiums collected from the top ten companies in the first quarter of 2013 were demonstrated, as in the previous year, by IC Soglasie, Ingosstrakh and RESO-Garantia.

According to RIA Rating experts, the share of SOGAZ in the insurance market (excluding compulsory medical insurance) in the first quarter of 2013 was 14.8%, Rosgosstrakh - 10.6%, Ingosstrakh - 6.9%. At the end of the 1st quarter of 2012, these indicators were 15.2%, 10.3% and 7.2%, respectively. Compared to the results of 2012, the greatest improvement in positions in the rating among the market leaders was demonstrated by VTB Insurance and MAKS (9th and 12th places in the rating at the end of the year). At the same time, when analyzing the positions in the rating of certain companies, it is important to understand that for some insurers, due to the nature of their business, the volume of collected premiums during the year is influenced by the seasonality factor.

Among the collected premiums from the top ten companies, the largest share is voluntary property insurance. The exceptions are VTB Insurance and MAKS, where the largest premiums fall on compulsory insurance (except for compulsory medical insurance), as well as IC Alliance, where the largest share of premiums collected at the beginning of the year falls on personal insurance (except for life insurance).

The ratio of payments to collected premiums, which characterizes the loss ratio of the insurance company's portfolio, as in 2012, remains in favor of the market leaders - for the first ten companies it is 39%, and for the market as a whole - 38%. According to RIA Rating's calculations, 20 companies out of the 331st included in the rating finished the quarter with a payout / premium ratio of more than 100%, 121 companies with an indicator of less than 20%. Thus, about a third of the companies in the market at the beginning of the year paid less than 20% of all collected premiums for insured events.

The number of companies operating on the market continues to decline. At the end of the first quarter of 2013, 460 insurers were registered in the unified state register against 469 at the end of 2012 and 579 at the end of 2011. Insurance premiums amounting to over 100 billion rubles. at the beginning of 2013, we managed to collect 140 companies out of 331, presented in the rating. Only 67 companies made payments in excess of this amount.

The leaders in terms of the volume of payments in the first quarter of 2013 were Rosgosstrakh (the company paid 10.5 billion rubles excluding compulsory medical insurance), Ingosstrakh - 10.1 billion rubles. and RESO-Garantia - 7.6 billion rubles. payments. The five leaders in terms of payments also included SOGAZ and IC Soglasie. In general, the 10 largest companies in the first quarter of 2013 accounted for 61% of collected premiums and 63% of all payments (57% and 63%, respectively, in 2012). The share of Moscow companies in the total amount of collected premiums in the first quarter of 2013 reached 79%.

In terms of the number of contracts concluded in January-March 2013, Rosgosstrakh is also in the lead with 5521 thousand insurance contracts. This is followed by AlfaStrakhovanie with 1,440 thousand contracts and Ingosstrakh with 1,248 thousand contracts.

This rating is not a basis for unambiguous conclusions about the reliability and (or) financial stability of the insurance companies included in the rating. The rating agency "RIA Rating" does not bear any responsibility for the consequences of any interpretations of this rating and decisions taken on its basis.