This article will tell the easiest and fastest way to deal with the question: what the insurance company to choose.

1. Rating foreign rating agency

If the insurance company has the foreign rating rating agency: Standard & amp; poor's;Fitch;Moody's, AM Best is not lower than BB +.This company no questions.Although rating agencies and swore in his time, but today, only they have more or less clear sense of the situation of the company.

emphasize that this point about foreign rating agencies.Very few Russian companies have foreign ratings: SOGAZ, Ingosstrakh, Rosno ...

example, Moody's ratings on the Russian insurance companies, the result - two press releases, one rating, and he is under revision.

2. Rating of Russian rating agency

Based on the history of national security, we can say that there were cases when the rating of the Russian rating agency spoke after the revocation of the license of the company, this, in our opinion it is possible to trust only ratings agency Expert RA,with the proviso that the rating is not lower than A + (!).

As you can see a list of the same is not so great: BTA Insurance Company;AlphaStrakhovanie;Alliance;FAC;VTB Insurance;Hephaestus;Renaissance Insurance Group;Rosgosstrakh Group;Group "Capital";Guta-Insurance;Generali PPF general insurance;ZHASO;Ingosstrakh;MAX;Medexpress;Paris;RESO-Garantia;DGC;"Siberian Crane";SC ALROSASK;TransneftSK;"Chartis";SOGAZ;Consent;Insurance Group MSK;UralSib Insurance Group;Insurance Company "Surgutneftegas";TITUS;Zurich;Emergency Insurance Company;Chulpan;Energogarant;ERGO Rus

3. If you choose an insurer or insurance CASCO

Of course, in the long run it does not matter where you are insured CTP: first you do not need repairs, and the one in whom you have entered (you, of course CASCOfrom polite company), and the payment of insurance guarantees the state.

But we are honest with you noble people, and should be responsible for those in whom ... so ... the most important thing to look to the company did not have the rapid growth of insurance fees year on year.As a rule (in 9 cases out of 10) is a harbinger of what it will take to market, and affected by your actions is a good man - a mountain of problems to get my head

4. Short List

last step: exclude companies that formally exhibitedFor Sale (in these companies is not up yet, they solve their problems) and get the final list.

If you are wondering what the company remained in the short list, but not interested in themselves to understand this question - write, we will publish the results of research.

C respect, the "polyol-insurance."