12 best insurance companies CASCO
CASCO, unlike CTP, is not a compulsory type of insurance. But today, many vehicle owners have begun to understand the benefits they receive from this operation. Despite the high cost of the service, which is several times higher than OSAGO, voluntary hull insurance has many advantages.
- The car owner, regardless of whether he is the cause of the accident or not, is compensated for damage in the event of an accident. He also receives money after natural disasters that caused damage, or if third parties damage the car.
- When stolen, the owner is guaranteed payments according to contractual obligations.
- If there is little damage to the certificate from the traffic police is not required, which will greatly facilitate and speed up the payments.
- Additional options include services that create comfortable conditions for the owner in case of a breakdown on the highway and the evacuation of the car from the accident scene. In such cases, the solution of all issues takes the insurance company.
- The car owner, at its discretion, chooses the type of compensation: cash or troubleshooting service.
- The amount of insurance is fixed for the entire term of the contract, does not increase and remains unchanged.
There are quite a lot of offers on the Russian market. And car owners want to choose the most profitable for themselves in order to optimally combine the amount of payment, quality and quantity of services. In our rating were selected 12 insurance companies KASKO, which have long earned a reputation as a reliable partner and offer the best conditions for their clients.
Rating best insurance companies CASCO
| Nomination | a place | Name of product | rating |
| Rating of the best insurance companies KASKO | 1 | Ingosstrakh | 5.0 |
| 2 | Rosgosstrakh | 4.9 | |
| 3 | Renaissance Insurance | 4.8 | |
| 4 | SOGAZ | 4.7 | |
| 5 | Alpha Insurance | 4.6 | |
| 6 | VTB Insurance | 4.5 | |
| 7 | Tinkoff Insurance | 4.4 | |
| 8 | RESO Warranty | 4.3 | |
| 9 | Alliance | 4.2 | |
| 10 | VSK Insurance House | 4.1 | |
| 11 | Consent | 4.0 | |
| 12 | MAX | 3.9 |
Ingosstrakh
Rating: 5.0
The first place is occupied by a stable financial institution, which has proven its reliability thanks to long-term cooperation with large companies in our country. With 70 years of experience, Ingosstrakh today offers the most favorable conditions for all types of insurance, including hull insurance. It has the highest level of business reputation, which guarantees citizens a wide package of services and full fulfillment of contractual obligations.
The policy may include such risks as theft, all types of damage, including hitting an obstacle, broken glass, the consequences of natural disasters. Car owner can choose one of two options for the restoration of transport. This may be a repair at the service station of the official dealer or at the technical stations of the insurer. The first option is most suitable for new cars, the second - for cars older than 2 years. The insurer chooses a range of services that will be more in demand. For example, only the death of vehicles, including theft, or more advanced packages with damage and theft.
A full calculation of the policy can be done online in the “Costing” section. According to reviews, Ingosstrakh is truly a leader in the insurance market.Checkout hull can be directly on the website of the company. The policy will be ready the next day, and you can get it through e-mail or at the office of the organization.
Rosgosstrakh
Rating: 4.9
The second line of the rating is occupied by the company, which is assigned a level of reliability A ++. It is CASCO that accounts for a substantial share of the insurance portfolio. Branches are located in 85 regions of Russia. This means the client can always and anywhere contact the office for questions of interest to him. 250 claims settlement points will allow settling payment issues in a short time.
The developed tariffs will satisfy all insurers: both those who want to get the maximum package and those who expect to save the family budget. For the second category of citizens, the tariffs “Nothing superfluous”, “Anti-crisis hull insurance”, “Economy 50/50” are provided. At the request, in addition to theft and accidents, such cases as a car falling into water or a failure under ice, an explosion or a fire can be included. A preliminary calculation can be made on the website in the calculator. The conclusion of the contract takes place online, by phone or in the nearest branch.
Car owners who have chosen this insurance company confirm that all obligations are fulfilled, no litigation arises, the conclusion of the contract is very fast, as well as the decision on payments. Extension of cooperation implies more favorable conditions, so many organizations that once applied become regular customers of the organization.
Renaissance Insurance
Rating: 4.8
The bronze medalist of the rating is a large financial company that has been operating for over 20 years and is a reliable partner of both individuals and legal entities. Branches are located in large regions of the country. There are a total of 19. Quickly you can issue a policy through an online resource. The exception is made by rare cars and cars registered in other states.
Programs are satisfied varied. You can select all the basic and advanced options, and you can only stay on the specific requirements for you. These are accidents during movement or parking, theft, hijacking, fire, explosion, adverse weather conditions.
Many respondents noted a convenient mobile application in which you can analyze your driving style, play games in your free time, complete tasks that increase driving skills. Using it, it is possible to purchase CASCO more profitably or extend the contract further. For example, with safe driving discount will be 90%. Advantageous offer will appeal to those who have very little time behind the wheel. When choosing this fare, a kilometer reading device is installed in the car. A policy with limited mileage will save up to 20%.
SOGAZ
Rating: 4.7
The fourth place in the rating is deservedly taken by a company with many years of experience, which helped keep it afloat during the crisis and always maintain the reputation of a financially stable organization. The network of branches spread throughout Russia. To date, there are more than 800. To conclude a CASCO contract, a standard set of documents will be required. The company cooperates with both individual car owners and large fleets.
The cost of insurance depends on the package chosen. The franchise will significantly reduce it, so many people prefer to choose this option when, when an insured event occurs, a part of the money is not paid to the client. Tariffs include road traffic accidents, intentional or reckless actions of third parties, theft, hijacking, fire, explosion, collapse of roads and shrinkage of soil, falling of foreign objects, dangerous natural phenomena. Car owners can send a request online through the official website and get the finished document in the office or via email.
Reviews of existing customers are extremely positive, court appeals can be avoided, as the company fully adheres to its obligations.Payments are made on time, without any changes in the amounts down.
Alpha Insurance
Rating: 4.6
Alfa Insurance, located in fifth place, has the highest rating of reliability. It offers more than 100 types of financial products, including CASCO. 270 offices are located not only in large regions, but also in small settlements. Tariffs are diverse and beneficial to policyholders. Among them, you can choose the best for a particular case. So, “Smart Hull Insurance” is intended for owners who exploit their cars a little. After selecting the mileage limit during the contract, you can reduce it, increase it or even cancel it if the conditions are not suitable for real life.
Insurance payments occur in standard cases: a traffic accident, theft, damage, the consequences of natural disasters. You can calculate the cost in the online calculator. At the same time for new customers and for those who want to extend the contract, different forms are provided.
Opinion polled and insurance experts are the same. They evaluate the company's work for the highest score, highlighting the prompt execution via the Internet, in the office or by phone, quick consideration of specific cases, the ability to always be in touch with employees. Many liked the advanced options.
VTB Insurance
Rating: 4.5
On the sixth line of the rating is an organization that has been operating for 19 years and provides services for all types of insurance. Offices are located in 46 regions of the country. The CASCO tariff can be selected by anyone who wishes. The option “Personal Lawyer” allows you to receive expert expert advice 24 hours 7 days a week. The application is sent online. Consideration of the operational, the next day you can use a ready policy.
Packages include damage caused by theft or any kind of damage that has been completely destroyed during a fire or explosion. The client can choose the service of a lawyer, compensation for damage during towing and evacuation or theft of documents and valuables from the cabin, life and health insurance, a twenty-four-hour certificate, technical assistance on the road (changing wheels, opening the car, starting the engine, delivering fuel, battery charge ).
According to reviews, the company offers excellent conditions for voluntary auto insurance. The package of documents and the procedure of registration are standard. Regular customers receive substantial discounts when extending the contract or other insurance. Many additional options allow you to be calm on long journeys, as employees will always come to the rescue.
Tinkoff Insurance
Rating: 4.4
The financial company, to which the seventh place in the rating is given, does not have its own branches, but implements policies through an agent network located in 43 regions of the Russian Federation. Based on the statistical data of recent years, 1/3 of the insurance portfolio accounts for CASCO. A wide range of options has made this organization very popular among car owners. It provides real opportunities to save money, while getting all the payments specified in the contract.
Discounts can be used already when sending a request by filling in optional fields. In total, they can be up to 30%. The policy is issued immediately after payment. It is completely transparent and does not include any additional fees and hidden fees. The document is delivered completely free of charge to any place at the specified address, while the time is not limited and is chosen by the client. The packages include various insurance claims. You also have the opportunity to choose free towing services, minor repairs without reference to the traffic police and other convenient additional options.
Car owners were pleased with the cooperation. Qualified staff is always in touch and advise on any matter. Promotional offers are very profitable, you can also always get individual discounts.
RESO Warranty
Rating: 4.3
The insurance company, which is popular among car owners, occupies the eighth line of the rating. It has a license for 100 types of services. The regional network includes more than 900 branches. The constant growth of insurance premiums guarantees stability and reliability. The application for registration is sent via the Internet. A preliminary calculation is available to anyone on the site through an online calculator.
CASCO packages can be selected in three options: full, partial or extended with additional options. In addition to the main risks, the costs of evacuation, damage to the car during the failure of bridges and roads, and shrinkage of the soil are paid. Without a certificate from the police, damage to glasses, mirrors, lighting devices and exterior body parts is compensated (once during the current contract within 5% of the sum insured).
Payments for damage are made within 25 working days, with theft - 30 p. days Insurers noted an excellent level of service, efficiency, legal assistance in various disputable situations. Repair at company stations is carried out quickly and on the highest level. The cost of policies corresponds to the average market. You can also get individual discounts and save when entering into an agreement.
Alliance
Rating: 4.2
The ninth place in the rating deservedly goes to an insurance company, a member of an international financial concern. CASCO tariffs provide an opportunity to choose the most optimal one and not overpay for options that will not be claimed during the contract. The policy can be received very quickly, it is necessary to fill out the form on the site and send it online. The cost calculation is ready within a couple of minutes after the application is submitted.
Payments are made according to the established rules: for hijacking - up to 15 working days, for damage - up to 30. In addition to the main risks, the services of the emergency commissioner and the costs of a tow truck are compensated. The amount can be reduced or not reduced. This option is chosen by the client. If there are doubts in the clauses of the contract, then the employees by phone or in the office can answer all the interesting questions and help to choose the most favorable tariff.
According to the reviews, the cooperation with the company is quite comfortable, there are no serious controversial situations, and if they do exist, they are resolved in the pretrial order. The cost of insurance is immediately announced and no additional payments are added when concluding the contract (if the client himself did not want to increase the option package).
VSK Insurance House
Rating: 4.1
The TOP-10 of our rating includes an organization that has been operating for over 20 years and offers clients a wide range of insurance services. An extensive network includes 600 branches in all regions of the country. The popularity of the company brought CASCO policies with different levels of vehicle protection, timely payment of compensation, quick execution of the contract.
Rates include full or partial package. The contract includes optional insurance claims for theft, damage, as well as additional options that are convenient for the car owner. After the application the policy is ready the next day. The company is given the opportunity not only to leave the expert, but also to remotely inspect the vehicle using a mobile application. All documents are saved in the personal account in electronic form, therefore in case of loss of the policy, it can always be restored.
Car owners who chose VSK appreciated the many benefits of contacting this company. The insured event can be settled without visiting the office, registering the incident on the website or through the application. The current status of events can be tracked in your account. Another advantage was the availability of advice on any controversial issue.
Consent
Rating: 4.0
The eleventh place in the rating was awarded to a company that has been offering quality services in all types of insurance for more than a quarter of a century.She was awarded the highest level of reliability, which guarantees new customers full security of contractual obligations. The network has 350 units in all federal districts of the country. CASCO is for all makes of cars and offers various conditions for owners. With the full package, all insurance claims are compensated, including theft, all types of damage, and technical assistance is provided for unforeseen situations on the road.
The online application is processed instantly, the contract amount can be found within 5-10 minutes. The policy can be taken to the office or received via e-mail. Tariffs are very favorable. With online registration, the discount is 25%. The “100 for 50” package allows you to pay insurance at half price, if during the year there were no cases for compensation.
The owners noted that the car repair is very high quality, carried out in the official service centers. Free telephones allow you to always stay in touch with employees Payments are made strictly under the terms of the contract, the terms are not violated.
MAX
Rating: 3.9
The rating is completed by a company that offers the owners themselves to assemble the necessary options into a single designer. The basic policy includes compensation for damage and theft, the insurance sum not reduced, free evacuation of the vehicle once a year, compensation for minor damages without certificates from the police, repairs to the service station. The client can always reduce the cost of the hull insurance by removing additional options from the contract.
Those who want to get the maximum package are provided with the service of an emergency commissioner and the collection of necessary certificates at the traffic police. You can also insure the additional equipment of the car, the driver and passengers from accidents, to extend the effect of the policy outside of Russia. Information service works around the clock. The dispatcher is always in touch and will always come to the rescue. Various lucrative offers can save on insurance. So, the break-even contract can be extended with a 25% discount.
Clients were able to appreciate the benefits of cooperation with the company "MAKS". These include the minimum time for consideration of a particular case and settlement of an event, replacement of parts with new ones without taking into account wear and tear of damaged parts, elimination of breakdowns at official dealers or at proven technical centers.
Attention! This rating is subjective, is not advertising and does not serve as a guide to the purchase. Before buying, you should consult with a specialist.
