CTP for car owners is compulsory insurance, acting as a guarantor of the protection of their health and personal property. The conditions of the insurance policy are aimed at implementing the possibility of preserving the health and personal transport of third parties, and not your own. In the market there are a lot of organizations involved in compulsory motor third party liability insurance.
Some of them are one-day firms, but most have a fairly good reputation. In order not to fall into the hands of unscrupulous insurers and understand in which insurance company it is better to issue CTP, you need to choose the right reliable company according to the rating. This will help in choosing an organization whose status is financially confirmed in the category of reliability of insurance compensation payments.
How to determine the reliability of the insurance company?
It is believed that a good insurance company should be part of the Russian Union of Auto Insurers. Thus, it arouses greater trust of customers and guarantees high-quality service. There are several popular companies that are considered, according to the rating, the best insurance companies. CTP in them is executed with the possibility of remote online ordering, along with insurance of property, tourist trips and other popular services.
Are there insurance company ratings?
According to the rating, based on the results of customer ratings and their opinions on pages on social networks, you can see that the rating is made according to the performance indicators of a particular insurance company. Among them are such moments as the loyalty of company employees, the speed of paperwork, the quality of the services provided. All these indicators regulate the rating of insurance organizations, constantly raising or lowering it.
Of course, such a rating, based on the opinion of customers about choosing the best insurance company for compulsory motor third-party liability insurance, has a number of some features. As a rule, insured people often talk about their bad experiences, which makes it possible to notice the prevalence of negative reviews over positive ones. Reviews are not always objective. It happens that such opinions are too full of emotions, despite the fact that the situation could have been provoked by breaches of the contract on the part of the client. For this reason, he could not receive compensation and as a result began to leave negative reviews, spoiling the company's reputation. In fact, each client can leave his opinion about any company, on the basis of which then a popular rating is compiled.
According to the financial rating of insurance companies, statistics are compared. Comparing the quarterly financial statements, you can see the statistics of sales of services and understand which insurance company is better for compulsory motor liability insurance. Buyers in this area can be both individuals and legal entities. The main indicator that is being evaluated is the payout level. It reflects such a percentage of payments for the year, as an indicator of insurance compensation. The optimal level of payments is in the range of 50-60%.
If this percentage level is exceeded, the insurance company ceases to adequately assess its risks or has to reduce the number of sales. Each of these two points is an indicator of the financial problems of the insurance.
When the percentage, on the contrary, is below 50%, this indicates that the company limits the level of payments.This can be manifested as an understatement of the amount of insurance payments or a refusal to reimburse for insured events. Such moments can be traced even to the best insurance company in compulsory motor liability insurance. As a rule, such situations, if they arise, then continue for a short time, after which payments to customers again reach the required level.
A company that is being evaluated by a rating agency is automatically assigned a reliability class suitable for its parameters. It is an indicator of how the company is ready to adhere to its insurance obligations under compulsory motor third party liability insurance to customers. He also shows the company's ability to cover its financial costs that arise in the process of its activities. Therefore, assigning a reliability class to a company is one of the most basic indicators by which you can understand which OSAGO insurance company is the best.
"Alfa insurance"
Being the largest and most famous insurance organization, it has been occupying its niche in the financial market for more than 25 years. In addition to compulsory motor third-party liability insurance, it works in more than one hundred directions of providing insurance services to the population. The company is accredited by all major banks in Russia and ranks first in terms of quality in customer service.
Its reliability is confirmed by the reinsurance company in Germany, and the reliability class is at the highest level. In addition to the capital's branch, the company’s branches are located in most cities, and the option of compulsory motor third-party liability insurance is also provided online. It is believed that Alfastrakhovanie is a good insurance company in the issue of compulsory motor third-party liability insurance. Grateful customer reviews repeatedly confirm this information.
VSK
The All-Russian Insurance Company acquired its high level of reliability more than 15 years ago. She constantly holds this rating, which is an indicator of a high degree of trust on the part of clients.
The organization provides private insurance services and also has the status of a reinsurer of Azerbaijan. In terms of the percentage of payments, compulsory motor liability insurance takes the second place in the rating in the country.
Ingosstrakh
Founded more than half a century ago, the company occupies a leading position in terms of payments in the field of insurance services.
The company is one of the best CTP insurance companies. Having established itself as a reliable organization for a long time, it has received awards in the category of confirmation of financial reliability and the vast majority of good reviews among customers.
"Renaissance"
The group of companies occupies a leading position in the field of car insurance services. She is considered the best insurance company in CTP. This organization works with individuals, and is also a partner of the most famous automobile dealers in the country.
She received her reliability rating 7 years ago and to this day holds the highest level. So far, the number of company branches is just over 80 representative offices. Unfortunately, offices in small towns around the country have not yet been opened.
"RESO-guarantee"
The organization has been operating for more than 25 years and has more than 750 representative offices throughout the country.
It has the highest level of reliability and has supported it for 10 years. The company works both with individuals and corporate clients.
What should I pay attention to first when choosing an insurance company?
When choosing which insurance company is best for compulsory motor third-party liability insurance, it is recommended to pay attention to all of the above nuances, namely:
- You must choose a company whose branches are represented in your city of residence.
- It is necessary to inquire about the financial stability of the selected organization and the size of the authorized capital.
- It is advisable to familiarize yourself with the financial statements of the company.
- The organization must operate stably in the market for more than 10 years.
- Beware of the too low cost of the services provided.
- The level of insurance payments should be kept within 50%.