Auto insurance rating. Which insurance company is better for comprehensive insurance? Decoding ratings
Almost every driver wants to buy compulsory insurance at a low price. There are many offers - here for 7,000 rubles, Tamza for 8,000, and here for 1,500. What is the reason for this difference, and is it worth paying more? Which company is better to apply for compulsory motor liability insurance?
Variation in prices among insurance companies
The difference in the cost of compulsory insurance among different insurers is approximately 20% and is associated with the use of a price corridor. That is, they are allowed to make calculations in the range from the minimum basic tariff to the maximum. For passenger cars it is 3,432 rubles. and 4118 rub. respectively.
Also, the cost of the policy depends on the driver’s age, length of service, type of vehicle and engine power, region of residence, etc. For example, insurance will cost more for a young driver than for an experienced one. And it’s cheaper for a resident of Moscow than for a citizen registered in St. Petersburg.
But if in the same locality under the same conditions (age, length of service, car, etc.), prices from insurers are different, choose a cheaper option. High price associated with calculation at the maximum tariff, rarely with the inclusion of additional services. You can refuse them; this is a purely voluntary matter. The insurer must fulfill the obligations in both cases to the required extent.
Basic tariffs are set at state level, and insurance agents do not have the right to overestimate or underestimate them. Therefore, the price is 1500 rubles. for car insurance - a clear sign of counterfeit. By purchasing it, the car owner risks having to pay damages to the injured party himself if an accident occurs through his fault. It is almost impossible to obtain an insurance payment under such insurance.
So which company is better to apply for compulsory motor liability insurance? A reliable one that can fulfill its obligations to the required extent and on time.
The most reliable insurers in Russia, or where is the best place to buy OSAGO?
There are many honest and decent insurers in our country, but the top five include:
AlfaInsurance
Image 1: AlfaInsurance logo.
Image 1: AlfaInsurance logo.
One of the largest Russian insurers, offering more than 100 insurance products for private and legal entities. It has over 270 regional offices. It is among the top ten insurers. It is popular due to favorable prices for compulsory motor insurance.
Reso-Garantiya
Image 2: Reso-Garantia logo. The company offers more than 100 types of insurance services. It has over 850 branches throughout the country. It is famous for its very fast payment processing.
Ingosstrakh
Image 3: Ingosstrakh logo. The company was founded in the Soviet Union. Has more than 80 branches. It is possible to issue a policy through a mobile application.
VSK
Image 4: VSK logo. It has more than 600 branches throughout the country. Reimburses losses within 5 days.
Rosgosstrakh
Image 5: Rosgosstrakh logo. The group's clients include more than 26 million Russians. Has more than 3000 branches.
There are good and bad reviews about every company online. Some people complain about the imposition of additional services, others are not satisfied with the terms of compensation for damage, etc. But others, on the contrary, liked the speed of service, the cost of the policy, the ability to obtain insurance online, etc.
They help you decide where it is best to apply for compulsory motor liability insurance. Use our service, compare the results and choose the best option.
A brief comparison of the top five insurers
Which company is better for compulsory motor liability insurance? Reliability research is carried out by rating agencies. The most popular in Russia is “Expert RT”.
To assess the insurer's activities, the following is taken into account:
- Reliability.
- Amount of authorized capital.
OSAGO is a compulsory insurance system. This system is practiced in all CIS countries. The main goal Such insurance is to protect the property and health of vehicle owners. A distinctive feature between CASCO, which performs the function of compulsory insurance and applies to the car and the driver himself, and OSAGO - protects the health of passengers and property. Only those companies that have official permission, that is, a license, have the right to carry out such insurance.
It should be noted that Every year the insurance market is replenished with new companies, which rarely stay in this segment. Most often, they go bankrupt or lose their license to engage in such activities. To prevent car owners from falling for the tricks of scammers, ratings of the most reliable insurance companies are compiled every year.
Insurance company ratings
- Exceptionally high levels of reliability are designated A++;
- Very high is the designation A+;
- Tall - A.
If the insurer is included in this list, then it already deserves attention among car enthusiasts. And those who occupy leading positions have every chance for further cooperation.
So, let's start with the insurers that have earned a place in the “Exceptionally High Level of Reliability” rating:
All these insurers deserve the highest ratings from experts. This makes them the most reliable.
Now consider insurers who have received a rating"Very high level of reliability":
- Helios;
- Guta-Insurance;
- ZHASO;
- Liberty Insurance;
- ORANTA;
- Surgunteftegaz;
- ZURICH;
- ERGO Rus.
It should be noted that Guta-Insurance and MSK received a rating of insurers who have just embarked on the path of development in the field of compulsory motor liability insurance. All others are considered stable.
- BIN Insurance;
- Hayde;
- D2 Insurance;
- Intouch Insurance;
- Yugoria.
It should be noted that all Insurers represented in the rating are reliable, according to experts. Now it’s worth looking at the opinion of the users of this type of insurance themselves. What do they think?
Top insurance companies according to people:
If compare ratings of experts and people, then you can see that some insurers are favorites in both the first and second lists. Moreover, AlfaStrakhovanie is the most reliable in the opinion of citizens and, according to experts.
Which insurance company is better?
For several years, experts have been working on to identify the best insurer On the market. Every year this list is updated, new companies appear. But, there are a number of insurers that were able not only to remain in the ranking of the best, but also managed not to leave this list.
It should be noted that every insurer has its admirers and envious people. Negative reviews every insurer has. After all, it is difficult to find such a person, especially in Russia, who can admit that he is wrong in this or that situation.
So, now let’s find out who can bear the honorary title “ Best company according to OSAGO":
The second half of the top compulsory motor liability insurance
- The fourth place is occupied by MSC. This MTPL insurer was founded in 1993. The authorized capital is 16.1 billion rubles. The insurer is part of the Spasskie Vorota group. There are 52 branches.
- In fifth place is the insurer VSK. It was founded in 1992. The number of clients is about 10 million individuals and 100 thousand legal entities. The company's authorized capital is 3.2 billion rubles. There are more than 600 branches in Russia. The advantage of the insurance company is that it guarantees the return of losses within 5 days.
So, in this article ratings of insurance companies were analyzed from experts who issue compulsory motor liability insurance policies. It was also found out which insurers are the favorites, both among experts and citizens. Moreover, we found out which company is the best in the insurance market. The best Insurance Company according to OSAGO - AlfaStrakhovanie.
5 minutes to read. Views 15.6k.
Car insurance under CASCO, unlike motor third party liability insurance, is a purely voluntary matter. And if the car owner has decided to completely protect himself from various kinds of negative phenomena that can happen to the car, he should carefully read the ratings of insurance companies.
Under CASCO insurance, only the vehicle is insured, and not the liability of the driver and the health of passengers. CASCO can be full (theft, damage, theft), as well as partial, including one or two types of insurance.
What is an insurer rating?
The assessment of insurers by specialized rating agencies allows the policyholder to choose a reliable company. In this case, upon the occurrence of an insured event, the car owner is more likely to receive the compensation provided for in the contract, subject to the correct execution of the accompanying documents.
In Russia one from the most reputable agencies, assigning a level of reliability to insurance companies (rating), is "Expert RA". Founded in 1997, the agency has the status of a Russian and international company, and is also part of the international RAEX group.
The rating of insurance companies consists of many parameters characterizing the position of the company in the insurance market, its financial solvency, as well as the forecast of the probable development or bankruptcy of the company.
Since insurance companies are interested in the rating assessment of their activities, they themselves initiate the conclusion of an agreement with rating agencies.
The procedure takes place in three stages:
- collection of information (reporting documents, audit report, a special questionnaire filled out by a representative of the insurance company, a number of internal documents);
- interview with the top manager of the insurance company;
- information analysis;
- preliminary assignment of a reliability level.
If the customer is satisfied with the rating, it is published in official sources. If controversial issues arise, the customer files an appeal. In the second case, the agency and the insurance company sign an agreement on non-disclosure of information received (confidentiality).
NOTE: Some companies in the insurance industry are not rated. There are several reasons for this:
- lack of necessary financial resources to pay for the work of the rating agency;
- low indicators of insurance activity, which the company does not want to advertise;
- lack of need, since the insurance company operates in a narrow sector of the economy and does not need value judgment third party organizations.
What influences the assessment of the level of reliability of an insurer
- Balance of the insurance portfolio.
- Composition of shareholders.
- Company development strategy.
- Amount of authorized capital.
- Correctness of investment policy.
- Availability of insurance reserves is not lower than the standard level.
- Liquidity of insurance company assets.
- Company size.
- State of the branch network.
And there are many more quantitative and qualitative factors in the activity of an insurance company.
Decoding ratings
| Level | Characteristics |
| A++ Exceptionally high | Stable fulfillment of obligations, despite the decline of the economy and unfavorable forecasts in the insurance industry. |
| A+ Very high | The probability of fulfillment of obligations is quite high. |
| A Tall | Dependence on macroeconomic indicators. |
| B++ Acceptable | There is a low probability of difficulties in fulfilling obligations due to financial instability. |
| B+ Sufficient | High probability failure to fulfill obligations due to financial difficulties. |
| B Satisfactory | Financial difficulties are possible even in a stable economy. As a result, there is a high probability of non-fulfillment of obligations in full. |
| C++ Low | High probability of failure of the insurance company to fulfill its payment obligations. |
| C+ Very low | Regular failure to fulfill obligations. Revocation of license. |
| C Pre-default | Obligations are not fulfilled in full or not at all. |
| D Technical default | Bankruptcy proceedings have been initiated against the company. |
| E Bankruptcy | Revocation of a license or liquidation of a company. |
According to the information portal about insurance, the first positions in the rating are occupied by the following insurance companies:
Top 10 according to expert estimates
- Rosgosstrakh
- SOGAZ
- Ingosstrakh
- RESO-Garantiya
- AlfaInsurance
- Agreement
- Renaissance Insurance
- VSK Insurance House
- Alliance
- VTB Insurance
People's rating of insurers
People's rating is a relative value, since it consists solely of the subjective opinion of service consumers and Internet users who leave their reviews on websites, both negative and positive character.
NOTE: Negative reviews always an order of magnitude greater. This is a purely psychological factor: if a person is satisfied with the results of cooperation with the insurer, then, in most cases, he should not try to describe the merits of the company due to various circumstances. If, in the opinion of the policyholder, the company’s employees are not loyal enough to clients or do not fulfill the terms of the contract, then the corresponding review appears on the website as a protest and as a warning to potential clients of the company.
In the first positions of the national rating there will always be an assessment of the quality of customer service, satisfaction with the timing and amount of insurance payments upon the occurrence of insured event, the company's willingness to make compromises. Therefore, the national rating can be considered as a reference for analysis when studying the company with which you intend to enter into a CASCO agreement, but not as the truth in the first instance.
Top 10 popular rating
According to information from the website www.banki.ru:
- Tinkoff Insurance
- Zetta Insurance
- Vnesheconomstrakh
- Liberty Insurance
- UralSib
- AlfaInsurance
- RESO-Garantiya
- Agreement
- Antal-Insurance
When choosing an insurance company, the rating is of course important. But we should not forget about the human factor. There is always a possibility of encountering unscrupulous employees who may try to underestimate the amount of payment due or even refuse to receive insurance.
Before insuring a car, many motorists look at the ratings of MTPL insurance companies that provide insurance services. This allows you to choose the best insurer. After all, rating developers focus not only on the financial performance of companies, but also on reviews from real clients. The ratio of payments and refusals and the average amount of compensation are also taken into account. This is important, because according to the Central Bank, about 2.7 million people applied for compensation under MTPL policies. True, 3.4% of requests were refused.
Main evaluation criteria
According to Law No. 40-FZ of April 25, 2002, owners of any vehicles must insure their motor vehicle liability. This is stated in Art. 4 of the said law. You can choose the best insurer if you look at the ratings of companies.
To evaluate the activities of companies that deal with insurance, several criteria are taken. Such A complex approach allows you to create the most objective rating. Taken into account:
- reliability of the company;
- size of the authorized capital;
- reviews and evaluation of the insurer’s activities by real clients;
- the amount of insurance payments.
Depending on performance indicators, certain rating categories are assigned. The highest indicator is “A”. It can only be obtained by reliable companies, which immediately pay compensation when an insured event occurs.
A “B” rating is given to those firms that do not have problems with liquidity, but have delays in payments. It is not recommended to consider organizations that received a “C”, “D” or “E” based on the results of the analysis.
- Class A++ Exceptionally high level of reliability
- Class A+ Very high level of reliability.
- Class A High level of reliability.
- Class B++ Satisfactory level of reliability.
- Class B+ Low level of reliability.
- Class B Low level of reliability.
- C++ class Very low level of reliability.
- Class C+ Unsatisfactory level of reliability.
- Class C Failure to fulfill obligations.
- Class D Bankruptcy.
- Class E Revocation of license (not at the initiative of the company).
Rules for choosing an insurance company
It is advisable to choose a company that has been insuring civil liability of car owners for several years. You should only trust those who have been assigned an “A” reliability rating. The official rating of OSAGO companies is based on data financial statements and information from the Central Bank. They do not allow for an objective assessment of the work of insurers.
Periodicals on automotive topics and statistical companies sometimes create their own “popular” ratings. They are based on reviews from car owners.
Rating agencies
There are several agencies in Russia that compile their own lists of the most reliable companies.
Expert RA evaluates:
- volumes of work of insurance companies;
- amount of capital;
- ratio of positive/negative decisions on payments.
Reliable companies are usually assigned an A++ rating. They have a stable development forecast. With a high degree of probability, we can assume that the situation will not change in subsequent years.
Expert rating of insurance companies for compulsory motor liability insurance
| Insurance Company | reliability | payout level | likelihood of legal action | reviews | final rating |
| AIG | 4,5 | 21% | 2,32% | 4 | 3,8 |
| Alfa insurance | 4,3 | 43% | 0,67% | 2 | 3,9 |
| Alliance /former ROSNO | 3,6 | 110% | 4,65% | 3 | 3 |
| VSK | 4,1 | 45% | 8,51% | 2 | 3,1 |
| VTB Insurance | 4,6 | 29% | 10,47% | 3 | 3,5 |
| Ingosstrakh | 4,6 | 56% | 0,13% | 2 | 4 |
| MAX | 4,5 | 92% | 13,83% | 2 | 3,4 |
| RESO-Garantiya | 4,4 | 52% | 1,41% | 2 | 3,9 |
| Rosgosstrakh | 4,6 | 52% | 13,09% | 1 | 3,3 |
| SOGAZ | 4,8 | 53% | 1,37% | 2 | 4,2 |
Reliability, reviews (negative) and the final rating are calculated on a five-point scale.
Reliability rating of insurance companies according to OSAGO
- SOGAZ - 4.8
- ERGO (ERGO) - 4.7
- VTB Insurance - 4.6
- Ingosstrakh - 4.6
- Rosgosstrakh - 4.6
- AIG / former Chartis - 4.5
- Surgutneftegaz - 4.5
- MAX - 4.5
- RESO-Garantiya - 4.4
- Chulpan - 4.4
- Spassky Gate - 4.4
- RSHB-Insurance - 4.4
Rating of insurance companies for MTPL payments
| Insurance Company | Average payment under compulsory motor liability insurance |
| Geopolis | RUB 118,333 |
| Verna | RUB 103,440 |
| Alliance | 86,338 RUR |
| Welfare General insurance | 80,000 ₽ |
| Muscovy | RUB 72,751 |
| Strizh them. S. Zhivago | RUB 71,667 |
| ASKO | RUB 71,203 |
| Renaissance Insurance | RUB 70,846 |
| Moscow region | RUB 70,435 |
| Rosgosstrakh | 69,362 RUR |
People's rating of insurance companies
- JSC "Intach Insurance"
- Renaissance Insurance
- AlfaInsurance
- Zetta Insurance
- Yugoria
- Soldier
- Ingosstrakh
- ZHASO
- Tinkoff Insurance
- UralSib Insurance
- BIN Insurance
- RESO-Garantiya
- SOGAZ
- Energy guarantor
- Agreement
- MAX
- Rosgosstrakh
Assessment and analysis of the activities of the insurance company
Video: Analysis of insurance companies and how to choose the right one
The best insurance companies in Moscow
Experts, based on Central Bank statistics, assessed the activities of various companies and created a list.
The leading position is held by the joint venture "ZHASO". She has a minimal failure rate (only 0.5%). The amount of her compensation is also not large and on average amounts to almost 45 thousand rubles. And this is less than the average level of compensation by 3 thousand rubles. According to RAEX and RA Expert, the company has been assigned an exceptionally high level of A++. Total annual contributions for compulsory motor liability insurance amount to 2.5 million rubles.
The results of the Ugoria company are no worse. They denied refunds to 0.7% of their customers. The amount of their contributions is 3.1 million rubles. The main shareholder of the company is Khanty-Mansiysk Autonomous Okrug. But this does not mean that it only works within its limits. The company has more than 60 representative offices in the Federation. The average amount of payments is 44 thousand rubles. But according to RA “Expert” the company was given an “A” rating, its rating is under supervision. Analysts say it is a growing company.
IC "MAX" has been on the market since 1992. But she has been involved in compulsory motor liability insurance since 2003. After all, this type of activity requires a special license. This is stated in Art. 1 of Law 40-FZ of April 25, 2002. 0.8% of applied clients are rejected by IC MAX. The amount of average insurance compensation for this company is small - 35.4 thousand rubles. According to the analysis of RA Expert, this is a reliable company with a stable development forecast. Under the MTPL program, the amount of contributions to IC MAX is 3.7 billion rubles.
SD "VSK" is one of the largest in the Federation, clients under compulsory motor liability insurance brought in 18.2 billion rubles. The Military Insurance Company has already twice received gratitude from the President for its work. But in terms of the number of refusals, it ranks 4th - 1.4%. According to the indicators, the average amount of compensation is 42 thousand rubles. RA "Expert" confirms the reliability of this insurance house. It is rated "A++".
Firm failure rates "Alpha Insurance" the same as for SD "VSK". Their average payment amount is slightly lower - 41.8 thousand rubles. The total amount of their contributions is 10.6 billion rubles. This is a company that was assigned an “A++” rating by Expert RA. Her developmental prognosis is stable.
The amount of insurance payments in SAC "Energogarant" slightly higher – 45.6 thousand rubles. But they refuse 1.5% of clients who apply. Judging by the total amount of contributions, the company is not very popular. The total amount of insurance under compulsory motor liability insurance is 2.8 billion rubles.
Uralsib offers a fairly high average amount of compensation - almost 51 thousand rubles. But this organization refuses 1.9% of its clients. 6 billion rubles were raised under compulsory motor liability insurance policies. The Expert rating agency assesses the reliability level of Uralsib as “A+”. It was increased, and the further development forecast is stable.
A subsidiary of an oil production company is popular "Transneft" with the same name. Since 2013, its owner has been the SOGAZ company. According to RA Expert, since 2011 it has held the position “A++”. But her payments are small - the average amount of compensation is 17.5 thousand rubles. She refuses 2.4% of clients. But few take insurance from her. The total amount of investments under MTPL policies is 0.4 billion rubles.
SPAO "Ingosstrakh" gives a refusal to 3.3% of people who apply. Their compensation averages 40.5 thousand rubles. The total amount of insurance under MTPL policies is 15.5 billion rubles. This is a reliable company with an A++ rating and a stable forecast for further development.
One of the most famous is Rosgosstrakh. If we evaluate the size of insurance premiums, this is one of the largest companies. They equal 77 billion rubles. Also, PJSC IC Rosgosstrakh has one of the largest amounts of compensation - it is equal to 53.6 thousand rubles. True, 3.5% of all applicants are denied compensation for losses. The company has maintained the A++ reliability level, according to RA Expert, since 2008.
But that's not all rated insurers are. Don't forget about "RESO-guarantee" with an A++ rating. The amount of insurance premiums for compulsory motor liability insurance is quite large and amounts to 27.6 billion rubles. But they a large number of refusals – 4.8%. The amount of compensation is 43.8 thousand rubles.
The average level of insurance claims for the Renaissance-Insurance group is quite large. They pay almost 53 thousand rubles. But 5.1% of those who applied refuse to pay compensation.
When choosing an insurance company, you need to take all this data into account. This is the only way to choose the best insurer, who will definitely pay the due compensation when an insured event occurs.
The main indicator by which the rating of insurance companies for CASCO is compiled is the reliability of the company, the ease of obtaining compensation, as well as the cost of the services offered. Depending on who compiles this list, certain additional factors may be taken into account.
The general rating of insurance companies for CASCO is compiled on the basis of statistical data obtained from both companies and users. An important role is played by the assessment of expert bureaus and the number of trials.
Insurer rating agencies represented in Russia
Unlike compulsory insurance, CASCO insurance is purchased at will. It is because of this that special attention is paid to the choice of company. In order to choose a company, you can consider several ratings. First of all, this is an expert opinion compiled by the well-known rating agency RAEX (or Expert RA). When compiling this list, we take into account financial condition the company, as well as the effectiveness of investment risk management and the overall rating of the company.
Also known are judicial and popular ratings. In the first case, the top shows which companies are most likely to meet in court in order to obtain the due compensation. The people's rating is determined directly by the clients of certain CASCO agencies themselves.
Reliability parameters by which insurers are assessed
What factors do citizens and professional rating agencies pay attention to? First of all, on the financial reliability of the company (based on data from the Central Bank and the Federal Tax Service). Secondly, this is the quantity and speed of payments under insurance contracts.
The number of branches, the speed of an expert’s departure in the event of an accident, the possibility of remote assessment and the number of trials also play an important role. Rating agencies take into account all these parameters, while ordinary car owners, as a rule, give ratings solely depending on their own experience and impressions.
Ratings
Let's look at the top 5 companies offering CASCO insurance, according to the Expert RA rating for 2019.
| ruAAA | |
| VTB | ruAAA |
| Sogaz | ruAAA |
| Renaissance Insurance | ruAA+ |
| Reso Garant | ruAA+ |
The ruAAA rating indicates that the company is a leader with the highest degree of reliability and the most preferential insurance rules. The ruAA+ rating also guarantees receipt of the due compensation in the amount and within the time frame specified in the contract.
It should be noted that the percentage of appeals to the court is also influenced by the number of citizens directly insured by a given company. The greater the number of cars insured under CASCO, the higher the likelihood that a conflict will occur and one of the parties will sue.
These indicators can help newbies decide on companies, as well as initially exclude offers from the most problematic insurers.
Key players in the auto insurance market in Russia
All companies presented in the above ratings are large organizations with offers not only regarding CASCO insurance, but also other services.
Among all the others, there are several main “players” in the market:
- Alpha Insurance;
- Renaissance Insurance;
- Tinkoff Insurance;
- VTB Insurance.
Why do we separately note the role of these insurance organizations? The fact is that these companies are primarily banking institutions that also provide MTPL and CASCO insurance, both for their clients and for everyone.
It is necessary to take into account the volume of cars that are issued on credit or lease in these banks. Obviously, any such vehicle is subject to full insurance against accidents, theft, etc., that is, CASCO registration. Considering that each bank offers and insists on drawing up an agreement with its own insurance company, it should be noted how profitable and safe it is.
The ratings and assessments of experts regarding the above insurance companies prove that regardless of whether you have a loan and whether you are obliged to take out CASCO from these companies, CASCO is carried out on the most favorable terms.
Also one of the main leaders among all insurance companies is Ingosstrakh. One of the first organizations on the market over many years has proven that it works exactly as agreed and there are almost never any difficulties with receiving compensation.
Rating of insurance companies for CASCO payments
First of all, any car owner who has taken such a step and insured his car against all ills is interested in payment under CASCO if the need arises. No matter how strange it may seem, the indicators of rating agencies often differ from the ratings of motorists.
This also happens due to the fact that a person considers solely how the insurance company communicated with him and what compensation was in his case, and also due to the fact that even the best company can sometimes reduce the amount of payment. It should be understood that the task of rating agencies is to take into account all aspects of companies, while motorists are interested separately in their insured event.
- Rosgosstrakh.
- RESO Guarantee.
- Agreement.
- SOGAZ.
- INGOSstrakh.
- Alpha Fear.
- Renaissance-Fear.
- Alliance Insurance.
- VTB Insurance.
Top 10 companies according to motorists
The public rating is based mainly on the opinions of motorists, as well as on the overall impression of working with an insurance company. This rating of CASCO insurance companies was compiled in 2019, taking into account all the ratings and reviews of real clients.
- INGOSstrakh.
- Zetta.
- RESO insurance.
- Liberty.
- Agreement.
- Alpha insurance.
- SOGAZ.
- URALsib.
- Tinkoff insurance.
- Max.
As can be noted, by this list, one of the undisputed and most firmly established leaders in the market is the Ingosstrakh company, which is in the TOP, both among the people's choice and from the professional side.
Having studied all the rating data, as well as real reviews from car owners, even a beginner can easily decide which company will best suit his requirements and wishes. There are several factors that should also be considered before insuring your car:
- Ratings do not always provide guarantees. Unfortunately, even companies with an ideal reputation and excellent ratings can from time to time behave differently from what was written about them in reviews. This largely depends on the manager and employee of a particular office. In any case, it is recommended to take additional insurance and carefully study the insurance contract before signing it. Don't trust only positive reviews.
- Having an office in your region is an extremely important factor that many people forget about. In the event of an accident or any problem, you will have to visit the office yourself to receive compensation, clarify details, etc. In addition, how quickly an expert will arrive depends on the distance of the organization. Therefore, be sure to consider this aspect before registration.
