Rating insurance companies for reliability of payments. Rating of insurance companies for the reliability of payments Insurance insurance insurance companies

The number of insurance companies in Russia is increasing every year. To minimize the risks and choose a suitable firm, a rating system was introduced.

How are insurance companies are evaluated?

The rating of the reliability of insurance companies allows clients to contact proven organizations. It reflects the effectiveness of the work of insurance firms. To get a rating, the insured must meet the requirements.

Criteria for evaluation:

• capital size;
• reliability;
• the amount of insurance payments;
• the sum of the collected premiums;
• customer reviews.

In Russia, interim lists of companies that are the most reliable payments are being created. Experts assess the company on criteria:

• authorized capital;
• the duration of functioning on the market;
• availability of bonuses, preferential programs for customers;
• reviews faced with an insured event.

Data analysis allows you to evaluate the liability of the insurance company to customers. The rating of reliability of payments by specialized agencies is drawn up. With its formation, consumers are taken into account.

Rating insurance companies for reliability

The indicator of the reliability of insurance companies is important and distributed in Russia. Firms are interested in obtaining the above status. The number of their customers and income depends on this. The rating system is a motivator for insurance companies for better work.

Algorithm for analyzing the company to determine the degree of reliability:

• collection of information. The representative of the Insurance Agency leaves its data, reporting reports, an audit conclusion;
• an interview with the top manager is taken;
• the information obtained is analyzed;
• determined and officially published rating.

If the policyholder disagrees with the assigned rating, he has the right to file an appeal.

RAEX Rating Agency (Expert RA) revised the reliability rating of the Insurance Company Sak Energogarant due to a change in the methodology and assigned the rating at the level of RUAA- (which corresponds to the A ++ rating on the previously used scale). By rating there is a stable forecast. Earlier, the company acted a ++ rating with a stable forecast.

A positive impact on the level of rating has a high deviation of the actual size of solvency margin from the regulatory value (68.5% for 12/31/2016), high values \u200b\u200bof the current liquidity coefficients (1.22 on December 31, 2016) and refined insurance liquidity-net (1.35 As of December 31, 2016), a low share of expenses for doing business contributions (38.6% for 2016), the low value of the combined non-loss-net coefficient (94.4% in 2016), as well as high geographic diversification of the insurance portfolio (The share of Moscow in contributions received for 2016 was 41.9%). In addition, a significant positive impact on the rating is provided by the high market position of the company (the company's share in the insurance market was 1% for 2016).

"The agency highly appreciates the quality of the company's assets. As of December 31, 2016, 22.8% of the insurer's assets were accounted for the largest counterparty, on the three largest - 38.5%. At the same time, the proportion of highly liquid assets was 71.4% of the total assets on December 31, 2016. In addition, a positive impact on the rating of the company has a high reliability of reinsurance protection (94.9% of the fees transferred to 2016, accounted for companies with RUA + level ratings and higher on the RaEx scale (expert RA) or comparable ratings of other agencies) "Notes Ekaterina Koreshkov, an analyst on insurance and investment ratings RAEX (expert RA).

Among the factors that limit the rating assessment, there are low values \u200b\u200bof assets profitability (2.0% for 2016) and own funds (7.8% in 2016), as well as a high amount of commission agents (19.0% for 2016) . A low profitability of invested capital (5.6% for 2016) and relatively high values \u200b\u200bof the loss-net coefficient (56.5% in 2016) and the share of insurance payments on the basis of a court decision (5, are also relative to the rating assessment factors. 6% for 2016).

The company specializes in providing OSAGO services (27.8% of contributions for 2016), autocask insurance (24.4%) and DMS (20.3%), as well as other types of property and personal insurance. According to the Bank of Russia, according to the results of 2016, PJSC "SAK" Energogarat "took the 18th place in terms of the collected award among all insurance companies, the 12th place among insurance companies specializing in foreign insurance than life insurance, 12th place According to OSAGO, the 10th place for insurance of the car and 12th place in the DMS. According to RaEx (expert RA), on December 31, 2016, the assets of the insurer amounted to 12,739 million rubles, their own funds - 3,252 million rubles, the authorized capital - 2,040 million rubles. According to data for 2016, the company collected 12,088 million rubles of insurance premiums.

Before insuring the car, many motorists watch the OSAGO insurance companies rating that affect insurance services. This allows you to choose the best insurer. After all, rating developers are focused not only on financial performance companies, but also on the reviews of real customers. The balance of payments and failures is also taken into account, the average reimbursment amounts. This is important, because according to the information of the Central Bank, about 2.7 million people applied for compensations for OSAGO policies. True, 3.4% of appeals were denied.

Basic evaluation criteria

According to Law No. 40-FZ dated 25.04.2002, owners of any vehicles must insure their autocarted responsibility. It is spelled out in Art. 4 of the specified law. You can choose the best insurer if you familiarize yourself with the ranking of firms.

To assess the activities of companies that are engaged in insurance, several criteria are taken. Such an integrated approach allows you to create the most objective rating. Consides:

• company reliability;
• the size of the authorized capital;
• reviews and assessment of the activities of the Insurer real clients;
• the amount of the amount of insurance payments.

Depending on the performance indicators, certain rating categories are assigned. The highest is considered "A". It can only be obtained by reliable firms that, upon the occurrence of the insured event, instantly pay compensation.

The evaluation of "B" receives those firms that have no problems with liquidity, but they have delays in payments. Consider organizations that, according to the results of the analysis, received "C", "D" or "E" is not recommended.

• 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 in +. Low level of reliability.
• Class B. Low level of reliability.
• Class C ++. Very low level of reliability.
• Class C +. Unsatisfactory level of reliability.
• Class S. Failure of obligations.
• Class D. Bankruptcy.
• E. class License review (not at the initiative of the company).

The rules for choosing insured

It is advisable to choose a company that is engaged in the insurance of civil affairs of car owners for no first year. To trust only those who are assigned the reliability rating "A". The basis of the official rating of OSAGO companies is the data of accounting and information from the Central Bank. They do not allow objectively to evaluate the work of insurers.

Periodic publications of automotive themes, statistical companies sometimes create their "folk" ratings. They are based on auto owner reviews.

Rating agencies

In Russia, there are several agencies that make up their lists of the most reliable firms.

Expert RA Assesses:

• the volume of work of insurance firms;
• the magnitude of the capital;
• the ratio of positive / negative payout solutions.

Reliable companies are usually assigned an indicator "A ++". They have a stable forecast of development. With a lot of probability, it can be assumed that in subsequent years the situation will not change.

Expert rating of insurance companies on OSAGO

Reliability, reviews (negative) and final rating is calculated on a five-point scale.

Rating Reliability of Insurance Companies on 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-Warranty - 4.4
• Chulpan - 4,4.
• SPASSKY GATE - 4,4
• RSHB-Insurance - 4.4

Rating insurance companies for OSAGO payments

People's rating of insurance companies

• INTACH INSURANCE JSC
• Renaissance insurance
• Alfapture
• Zetta Insurance
• Yugoria
• Soldier
• Ingosstrakh
• Jaso.
• Tinkoff Insurance
• Uralsib Insurance
• Bean insurance
• Reso-guarantee
• SOGAZ
• Energogarant
• Consent
• MAX
• Rosgosstrakh

Evaluation and analysis of SC activities

Video: Analysis of insurance companies and how to choose

Top Insurance Companies in Moscow

Experts on the basis of statistics Central Bank rated the activities of various firms and created a list.

The leading position keeps the "Jaso". She has a minimum percentage of failures (only 0.5%). It is also not large for compensation size and is almost 45 thousand rubles. And this is less than the average level of compensation for 3 thousand rubles. According to RaEx and RA Expert, the company is assigned an extremely high level A ++. COLUMENT PAINTS ON OSAGO DO 2.5 million RUB.

Not worse than the company and the company "Yugoria". They refused to reimburse the damage of 0.7% of customers. The amount of contributions they have 3.1 million rubles. The main shareholder of the Company is the Khanty-Mansiysk JSC. But this does not mean that it works only 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 assigned an estimate "A", its rating is under observation. Analysts say this is a developing company.

IC "Max" on the market since 1992. But she is engaged in insurance of the CTP from 2003. After all, this type of activity needs a special license. It is spelled out in Art. 1 of the Law 40-FZ dated 25.04.2002. Claims Max Max 0.8% of applicants. The amount of Middle Insurance Reimbursement 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. According to the OSAGO program, the amount of contributions to the IC "Max" is 3.7 billion rubles.

SD "VSK" It is one of the largest in the federation, customers on CCAMAG brought 18.2 billion rubles. "The Military Insurance Company" has already received thanks from the president for the work. But by the number of failures, it ranks 4th - 1.4%. In terms of indicators, the average amount of compensation is 42 thousand rubles. RA "Expert" confirms the reliability of this insurance house. He was assigned a ++ rating.

Failure indicators from the company Alpha Insurance The same as the SD "VSK". The average amount of payments are somewhat lower than 41.8 thousand rubles. The total amount of contributions from them is 10.6 billion rubles. This is the company that RA Expert assigned A ++ rating. Her development forecast is stable.

The amount of insurance payments in SAK "Energogarant" A little higher - 45.6 thousand rubles. But they refuse 1.5% of applicants applied. If you judge the total amount of contributions, then the company is not too popular. The total amount of insurers on CTP 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 customers. OSAgo polisses were raised 6 billion rubles. The expert rating agency estimates the level of reliability of Uralsib as "a +". It was elevated, further development forecast - stable.

The subsidiary of the oil producing enterprise is popular "Transneft" with the name of the same name. Since 2013, its owner has become the company "SOGAZ". According to RA "Expert" since 2011, it holds the position "A ++". But her payments are small - the average amount of compensation is 17.5 thousand rubles. It refuses 2.4% of customers. But there are few of them. The total amount of investments in OSAA policies is 0.4 billion rubles.

SPAO "INGOSSTRAKH" It gives a refusal of 3.3% of those who applied. The amount of compensation has an average of 40.5 thousand rubles. The total insurance amount of OSAA policy is 15.5 billion rubles. This is a reliable company with a ++ rating and a stable forecast of further development.

One of the most famous is "Rosgosstrakh". If you evaluate the amount of insurance premiums, then this is one of the largest companies. They are 77 billion rubles. Also, PJSC Rosgosstrakh PJSC is one of the largest amounts of compensation - it equals 53.6 thousand rubles. True, with refusal to compensate for damages 3.5% of all those who applied. The reliability level of A ++ according to the estimates of the RA "Expert" company holds since 2008

But this is not all rating insurers. Don't forget about "Reso-Warranty" With a ++ rating. The amount of insurance premiums on OSAGO is large enough and amounts to 27.6 billion rubles. But they have a large number of failures - 4.8%. The amount of compensation is 43.8 thousand rubles.

A sufficient large amount of the average level of insurance compensation among the Renaissance Insurance Group. They pay almost 53 thousand rubles. But they refuse to pay compensation they are 5.1% applied.

When choosing an insurance company, it is necessary to take into account all this data. Only so it will be possible to choose the best insurer, who, upon the occurrence of the insured event, will definitely pay relying reimbursement.

When drawing up insurance companies ratings, financial indicators of insurers and the results of the popular voting are evaluated. Also, the frequency of litigation is taken into account with the participation of insurance companies and the loyalty of the CASCO rules.

Expert rating of insurance companies

Expert rating of insurance companies (or rating of insurance companies) is drawn up on the basis of the data of the authoritative rating agency "Expert RA". When determining the rating, financial indicators of insurers are evaluated. According to the "Expert RA" classification, the following estimates are used:

• Maximum level of reliability.
• ,, very high levels of reliability.
• ,, High level of reliability.
• ,, Satisfactory level of reliability.
• ,, Satisfactory level of reliability.
• ,, Low reliability.
• Very low level of reliability.
• Unsatisfactory level of reliability.
• Failure of obligations.
• A temporary administration has been introduced.
• Bankruptcy, review of the license, liquidation.

• 3 SK - estimate "Maximum level of reliability" (RUAAA): VTB Insurance, Ingosstrakh, Sogaz.
• 10 SK - Evaluation "Very high level of reliability" (RUAA +, RUAA, RUAA-): AIG, AlfaStrakhovanie, Alliance, VSK, Max, Renaissance Insurance, Reso-Guarantee, Rosgosstrakh, RSHB-Insurance, Energolartes.
• 13 SC - rating "High level of reliability" (RUA +, RUA, RUA-): Absolute Insurance, D2 Insurance, Zetta Insurance, Liberty Insurance, Mafin, MedExpress, OSK, Paris, Spasskit Gates, Surgutneftegaz, Chulpan, Ergo, Yugoria.
• 10 SK - rating "Satisfactory level of reliability" (RUBBB +, RUBBB, RUBBB-, RUBB +, RUBB, RUBB-): ASKO-INSURANCE, GEOPOLIS, EUROPS, PARTITIC-SK, POLIS-GARANT, CONSENT, STERE, INSURANCE BUSINESS GROUP, TINKOFF Insurance, URALSIB.
• 1 SK - rating "Low level of reliability" (RUB +, RUB, RUB-): Help.
• 1 SK - rating "unsatisfactory level of reliability" (RUCC): Verne.

High rating (RU- or higher) is the recognition of the company's reliability by the expert community. The described alignment reflects the situation as of 19.03.2020.

People's rating of insurance companies

Insureders estimate a variety of not obvious performance of insurance companies. Among them, for example, the quality of services, the goodwill personnel, the speed of service, the speed of the design of the necessary documents and so on. At the same time, the regional company can get a high assessment, and a large insurance organization with an extensive branch network, on the contrary, "go to minus".

People's rating of insurance companies has a number of features. So, the policyholders are much more likely to share experiences, and negative feedback more than neutral or positive. In addition, the reviews are not always objective. Sometimes messages with an emotional tint leave the insureders who themselves violated the terms of the contract, and did not receive compensation as a result of their own actions.

Everyone can affect the formation of a popular rating - for this it is enough to leave a review about the work of the insurance company.

Financial rating of insurance companies

The financial rating compares insurers based on statistical indicators. The financial rating is based on the official reporting of insurers, which is quarterly published by the Central Bank of Russia. The sale of insurance services to legal entities and individuals is taken into account.

The key rated indicator is the level of payments. The level of payments shows the percentage of fees, which the Insurance Company paid for the year as an insurance compensation. The optimal level of payments on the Russian market is approximately 55-65%.

If the percentage is too big (let's say, 75% and above) - the insurance company inadequately estimates the risks or significantly reduces sales volumes. Both situations are talking about the potential financial problems of the insurer.

If the percentage is too small (let's say, 40% and less) - the insurer probably saves payments. The company underestimates the amount of insurance compensation or often refuses to pay for insured events. Indirectly confirmation of such a hypothesis is a judicial rating of insurance companies. If the company "saves" on payments, almost certainly she also has a large percentage of court proceedings in relation to the stated losses.

Judicial Rating

The judicial rating assesses how much litigation with the participation of an insurance company falls on one declared insured event. Not always insurers are shipped with insurers. Sometimes the opponents in court are two insurance companies. Also, financiers are being shown with other subjects of the right to not insurance cases, for example, with landlords or government agencies.

However, the practice shows that the lion's share of court proceedings accounts for precisely on charges with insurers. That is why the insurers' judicial rating makes it possible to quite accurately assess the likelihood of litigation under the statement of the insured event.

Insurance Rules Loyalty Rating

Casco loyalty rating helps to understand how the rules of voluntary auto insurance are taken into account by the interests of the car owner. The higher the loyalty of the rules, the less the likelihood of controversial situations in the loss settling.

The Central Bank claims that in the past year, 2.7 million people treated insurers for reimbursement on OSAGO policies. But to seek the payment does not mean to get money; Last year, 3.4% of "Osagovts" received refusals.

Experts of RBC amounted to rating insurance companies OSAGO 2016 Based on the statistics of the Central Bank of the Russian Federation for 2015, which includes settled cases and refuses to compensive, as well as the average level of payments. According to the representative of the "headstore", this rating can be used as a manual when choosing an insurance company.

See also:

10. "Rosgosstrakh"

The largest Russian company in terms of the collected insurance premium. He has 3.5% of the OSAO bounce and on average pays to motorists 53,595 rubles for insured events, while the average market price is 47.9 thousand rubles.

9. Ingosstrakh

This company includes the top ten largest Insurers of Russia, only 3.3% of refusals for OSAGO policies. The average payment is 40,458 rubles, it does not "reach" to the average market price by 7.5 thousand rubles.

8. "Transneft"

It was founded in 1996 and is the "daughter" of oil-producing "transneft". In 2013, this SKA acquired Sogaz. Since 2011, the highest rating of the reliability "A ++" from the Expert RA Agency has invariably deserves. The level of failures on the CTP - 2.4%. On average, 17,511 rubles pays, it is smaller than the average market price by 30.3 thousand rubles.

7. "Uralsib"

It is one of the leading financial holdings on the Russian market. It has a high reliability rating "A +" and a low level of refusal of the CCAMA - 1.9%. The average amount reimbursed by insurance is 50,954 rubles (three thousand rubles exceeds the average market).

6. Energogarant

Agency "Expert RA" assigned the company "Energogarant" The highest rating of reliability - "a ++" and the forecast for this rating is stable. The attractiveness of the company for car owners adds a low refusal of OSAGO payments, it keeps at 1.5%. The average amount of compensation is 45,582 rubles, only 2.4 thousand rubles less average.

5. "AlfaStrakhovanie"

It is included in the Alpha Group and is one of the system-forming Russian insurance companies. According to the company, a company is 1.4% of refusal. The average payment is 41,796 rubles, which is less than six thousand prices.

4. "VSK"

The All-Russian Insurance Company is one of the largest in the country and even twice received gratitude from the President of Russia for the work done. In the Osago ranking, the insurance company ranks fourth (1.4% of failures). The average amount of insurance compensation is 42,180 rubles. Alas, the average price is more than 5.5 thousand.

3. "Max"

The Insurance Group "Max" was founded in the distant 1992. Then the working people of the Soviet peaceful atom of the Russian Federation needed health insurance services. Since 2007, "Max" insures employees of the Federal Customs Service, and in 2003 the company was provided with a master license. Although the level of failures at Max is one of the smallest - 0.8%, but the amount of average payout does not please - only 35,403 rubles, which is less than the average price for as many as 12 thousand rubles.

2. "Yugoria"

The shareholder of the Insurance Company "Yugoria" is the Government of the Khanty-Mansiysk JSC. However, "Yugoria" is not limited to the borders of the district: the company has a branched network of branches (about 60) and more than two hundred agencies presented in various regions of Russia. It has several subsidiaries specializing in different types of insurance activities, including life insurance and health insurance. According to the OSAGO, the "Yugoria" has only 0.7% of failures, so that it ranks second ranking. The average amount of payments - 44,051 rubles, which is three more than thousands less than the average market price.

1. Jaso.

Heads the rating of insurance companies OSAGO in 2016 former "Railway Joint Stock Insurance Company". In 2015, it was evaluating the "exclusively high level of reliability" of the RAEX rating agency. And the truth is the percentage of reflaking OSAGO pays the smallest and is only 0.5%. The size of the average payment on the OSAGO is 44,992 rubles, which is less than the average price of three thousand rubles.

* - Given the CASCO data.