5 best auto insurance companies in St. Petersburg

The Russian auto insurance market is full, companies appear and disappear regularly. They lose their licenses, plead bankruptcy, escape from citizens' claims. In order to somehow help clients with choosing a good organization, there are several services in the country: Expert RA and the National Rating Agency. They give ratings to companies based on their financial performance. These data are a guarantee of reliability.

In St. Petersburg, there are several dozen organizations that have received high scores from agencies. We have collected the top 5, based not only on their finances, but also on customer feedback. Payment procedures were evaluated in the event of an insured event, policy regarding the issue of policies, quality of service.

Top 5 best car insurance companies in St. Petersburg

5 VTB Insurance

Appearing in 2000, VTB Insurance is one of the fastest growing organizations in Russia. It is in the top 10 companies in the country in terms of payments for policies and the level of share capital. Agency Expert RA assigned it the best reliability rating A ++. Foreign Standard & Poor’s is also not lagging behind, giving BB ++ - the highest rating among domestic organizations. It offers CTP and Hull, the latter has many options for optimization. Programs differ in the number of risks and additional options.

Insurance is favorable for the price, but it is important to carefully read the contract. Reservations and conditions that make it difficult to obtain compensation are written in small print. Calling to the call-center is problematic, employees do not know the services of the company. Trying to impose unnecessary options, because of which the organization was sued several times (successfully). As a result, customers receive funds, but the process takes long months.

4 VSK

VSK is one of the largest insurance companies in St. Petersburg, ranked in the TOP-10 firms in 2017 by the number of policies in the country. It leads in sales of CTP, it accounts for almost 10% of the Russian market. Agency Expert RA confirmed the reliability of the company in 2018, putting ruAA rating, giving a forecast of stable growth. Insurance is acquired by commercial banks, Lukoil, Russian Railways. VSK won the prize "Company of the Year" several times.

Despite the developed network of offices in St. Petersburg, customers complain about the slow response to requests. They warn that auto insurance for vehicles older than 8 years is almost impossible, employees are looking for reasons for refusal. The cost calculator on the site shows low amounts that do not coincide with the real ones. There is feedback, but it works poorly. The staff are polite and sociable, though not the most competent. However, the expectations are payouts, so they return to VSK again.

3 Zetta

Zetta, formerly known as Zurich, appeared in Russia in 1993. Since then, the company has established partnerships with large banks and car dealers. Received a high reliability rating of A ++, passed the test for compliance with ISO 9001-2011. This company is known for advantageous conditions of CASCO design, high quality of service, and good information support. In St. Petersburg, only 2 offices are open, only 1 deals with insurance claims.

In reviews, praise a wide range of programs with different sets of risks.There is minimal insurance (damage from another driver) and full, including theft and protection of equipment inside the vehicle. A simplified recovery of losses after a small accident, a franchise, a tow truck call, a round-the-clock support service is available. However, auto insurance on compulsory motor TPL insurance is refused, referring to the order of the main office in Moscow. They solve problems for a long time, sending them from one specialist to another.

2 MAX

MAKS is one of the largest universal insurers in St. Petersburg, preferring CTP policies. The organization is proud of its partnerships with domestic banks (Sberbank of Russia, Alfa-Bank, etc.), which confirm its financial stability. The company has repeatedly won awards for its contribution to Russian business and effective crisis management. In 2017, Expert RA agency assigned it the highest A ++ rating.

The reviews write about a large number of additional insurance options, including about the competent emergency commissioner. You can get a policy on transport outside Russia. When you make a CASCO, minor damage is reimbursed in a simplified manner, and with the complete loss of the car, the calculation is made without reducing the amount for depreciation. However, there is no toll-free number; they do not solve the problem by phone or email. There are complaints about rude incompetent employees.

1 ERGO

ERGO is part of the Munich Re Group, one of the largest insurance groups in the world. Under its protection are the finances of the organization, which annually increases capitalization. ERGO investments amount to tens of billions of euros, significantly surpassing domestic firms. Not surprisingly, agencies give her the best ratings: Aa3 (ideally) from Moody’s, AA- (very good) from S & P, A + (excellent) from A.M.Best. The company receives most of its income from insurance, with 45% coming from hull insurance, 7% from OSAGO.

ERGO was one of the first companies in St. Petersburg, which established online registration of policies without imposing additional services. In the responses, polite employees are noted, they write about their competent work. Payments for the insurance case is enough for original spare parts. The disadvantages include slow processing and case review, the hotline often does not work. The company does not respond to letters, you have to visit the office many times.

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