Every driver needs to have an insurance policy. Its main goal is to protect the property and health of car owners. The need for a document is prescribed by law. Compared to CASCO, the CTP policy assumes the protection of other people's health and property.
There are various OSAGO insurance companies that professionally perform their services. Each of them offers its own conditions for concluding a contract. To choose a reliable company, you need to familiarize yourself with the rating of organizations in demand. They carry out their work efficiently, therefore they always fulfill their obligations.
Who is involved in insurance?
OSAGO insurance companies envision a policy. 4 entities are involved in this transaction:
- organization;
- the policyholder;
- beneficiaries;
- professional association.
In some cases, the participants are agents and brokers. They charge a percentage of the transaction for their work. The whole system is regulated by the state on the basis of legislation, therefore responsibility for any violations is foreseen.
Information about insurance companies OSAGO
In addition to rating information, the necessary information can be obtained from the Russian Union of Auto Insurers. They are located on the official website. There you can find a list of companies belonging to PCA members. The site contains information about the companies whose license was revoked.
You can find the necessary information by name, number, date of granting the license, contacts, TIN. Rating companies regularly create lists of reliable insurers, taking into account their work. Motorists usually pay attention to:
- level of service;
- customer reviews;
- payout speed;
- number of clients.
OSAGO insurance companies offer approximately the same cost, so it’s hardly worth looking for cheap options. An increased price can only be when contacting brokers, agencies and other intermediaries. Claim to an insurance company compulsory motor third-party liability insurance is necessarily considered by reliable companies, after which a decision is made.
Can ratings be trusted?
After analyzing the ratings of the companies, it can be concluded that the leading firms may be different from different sources. Although there is similar information. But you should not absolutely trust the ratings, since they can be created based on user votes.
But where is all the same to take out compulsory motor third party liability insurance? It is necessary to focus on ratings provided by official statistics. First you need to find information that the top list was indeed formed on the basis of the list of companies that are PCA members. You also need to make sure that the company has permission to implement policies.
Ratings
Given the versions of several rating agencies, you can find out the most reliable insurance companies CTP. They are considered the following:
- Alpha Insurance;
- Alliance;
- VSK;
- VTB Insurance;
- Ingosstrakh;
- MAX;
- Renaissance Insurance.
This rating of insurance companies CTP includes companies such as RESO-Garantia, Rosgosstrakh, SOGAZ. These firms are distinguished by reliability, which is evaluated by customer service. There are many branches throughout the country where you can apply for a policy.
You can issue a document not only when contacting the office, but also online. This opportunity has been provided since 2015. You must visit the site of the insurance company, fill out an application for a policy. The cost of OSAGO is calculated based on the region, type of car, length of service, age and other criteria. After checking the data, the price is determined, an electronic policy is provided.The received document has such legal force as the paper version.
