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RSA choice insurance. Insurance companies with revoked licenses. Insurance companies – current members and observers of the RSA

RSA is an abbreviation for the Russian Union of Auto Insurers. RCA is a non-profit organization that is a single all-Russian professional association based on the principles of unity and mandatory membership of all members, namely insurance companies that engage in compulsory insurance civil liability ().

RSA acts to ensure interaction and formulate rules for activities under compulsory motor liability insurance. The Russian Union of Motor Insurers was created on August 8, 2002 with the participation of forty-eight largest insurance companies in Russia. 10/14/2002 passed the official state procedure. registration. The association operates on the basis of the Federal Law “On Compulsory Insurance of Civil Liability of Owners Vehicle» No. 40-FZ dated April 25, 2002.

IN Lately, RSA takes the most active part in putting things in order insurance market OSAGO. The Union settles issues of compensation and insurance claims for insured events, including when the insurance company goes bankrupt. The association is also actively developing the direction of electronic compulsory motor liability insurance; an increasing number of companies are already providing this service online. Read about how to buy an electronic MTPL policy.

The Russian Union of Motor Insurers consists of a single State Register insurers and associations of insurers, compiled by the Ministry of Finance of the Russian Federation.

What issues does RSA deal with?

It carries out the following activities:

  • is engaged in ensuring interaction between insurance companies and creating rules for sales and other activities under compulsory motor liability insurance;
  • has the right to represent and protect the interests of insurance companies associated with compulsory motor liability insurance;
  • protects the rights of policyholders to monetary compensation if harm was caused to their life, health or property. Provides compensation to victims.
  • provides consulting services members of the union and helps represent their interests in various organs authorities.
  • fights fraud and unfair competition in the field of compulsory motor liability insurance.

Which insurance companies are members of the Russian Union of Motor Insurers, list?

RCA members are 76 insurance companies, which make up 90% of the entire Russian auto insurance market. Work is constantly underway to include new and expel inactive members of the association. Current list can be found

Acts as a non-profit corporate institution representing a single Russian association, which was based on the principle of membership of partners implementing insurance services for car owners. This union operates for the purpose of interaction, and in addition, the formation and implementation of common norms professional activity as part of the implementation compulsory insurance. One of the directions of RSA is also to ensure the implementation of technical analysis cars according to Russian legislation. Let's find out which ones are on the list of RSA members.

and its functionality

RSA was established in August 2002. Its founders are considered to be forty-eight largest countries. The activities of the union are carried out in accordance with Federal Law No. 40, which reads “On compulsory liability insurance of car owners.”

The Russian Union of Auto Insurers is included in the register of associations of insurance entities and has the status of a professional center. RSA is the first professional association in the insurance market, whose status is enshrined in law. Thus, today the members of the RCA are seventy companies that are full members and six observer organizations.

The professional association of current members of the RSA performs a number of the following functions:

  • Ensuring interaction between members as part of their implementation of the mandatory insurance procedure.
  • Development, along with the establishment of mandatory rules for the professional association, as well as its members, and, in addition, monitoring their compliance.
  • Provision and protection in government bodies of interests related to the provision of compulsory insurance services by members of the trade union.
  • Carrying out compensation payments to victims in accordance with the constituent documentation of the professional association, as well as legal requirements.

Rights of RSA

Members of the RSA for e-OSAGO are vested with the following powers:

  • Formation and use of information resources that contain information on compulsory insurance, as well as data on agreements along with personal details about victims. Such information must be used in accordance with the law.
  • Protecting the interests of members of the union association, because members of the RCA provide insurance.
  • Performing the assigned functions of information, and in addition, organizational and technical support for the implementation of the law within the framework of its activities.

Making compensation payments

According to Russian legislation, RSA makes a number of compensation payments to citizens injured in road accidents. This happens in the following situations:

  • In the event that the institution in which the liability of the person responsible for the incident was insured had its license revoked, or if it was declared bankrupt.
  • In situations where the culprit of the incident is unknown.
  • In the event that the liability of the person responsible for the incident is not insured.
  • As part of the implementation of compensation payments, RSA members regularly form reserve fund, which is based on the amount of three percent of collected insurance premiums.

Payment amounts

The amounts of compensation for damage to victims when applying to the Russian Union of Auto Insurers do not differ from the general limits of payments under compulsory motor liability insurance. They are:

  • up to 400,000 rubles for damage to property;
  • up to 500,000 rubles for causing harm to life and health.

Payment terms

The professional association of insurers is obliged to consider the victim’s application within 20 calendar days, excluding weekends. Within this period, RSA is obliged to either make a payment (transfer money to a bank account) or send a reasoned refusal to the victim.

The period begins to be calculated from the date of receipt of all necessary documents.

Regression to the culprit

The Russian Union of Auto Insurers may file a recourse to the culprit of the accident(demand to compensate for losses incurred in the amount of payments to the victim and organizational expenses). This happens in the following cases:

  • if the culprit of the accident did not have a valid MTPL policy;
  • the culprit fled the scene of the accident.

List of union insurance companies

As already noted, today the RSA has a total of 71 members of the RSA, among which the following organizations are represented:

  • "Absolute Insurance"
  • "Alpha Insurance"
  • Bean Insurance.
  • "POLIS-GARANT".
  • "Renaissance Insurance"
  • "Rosgosstrakh".
  • "SOGAZ".
  • "Spassky Gate".
  • Tinkoff Insurance.
  • "Yugoria".
  • "Support".

Now let’s take a closer look at RCA members who issue electronic policies, since they are the most well-known and in demand.

Absolute Insurance Company

The Absolut Insurance organization acts as a universal service provider in its field and is also a member of the RCA. Its assets amount to five billion rubles. As for the authorized capital, we are talking about one billion. At the end of 2016, collections exceeded three billion rubles, which is twenty-two percent more than previous figures.

The activities of this company are based on the principle of openness, and, in addition, maximum attention to the needs of each consumer. In addition, in the current market conditions, Absolut Insurance sets its goal to ensure high level comfort for everyone who trusts the protection of their risks. Thus, this insurance company provides quality service along with impeccable fulfillment of its obligations. The clients of Absolut Insurance are enterprises and organizations various shapes properties that conduct their business in certain areas of the economy.

The range of programs of this organization includes dozens of different items, including auto insurance. For each client, specialists develop and offer individual offers. Absolut Insurance has extensive experience in the field of insurance activities.

Rosgosstrakh company

The Rosgosstrakh company is the largest insurance company and a member of the RSA in Russia and dates back to 1921. Clients include both individuals and various organizations. Rosgosstrakh offers the following products:

  • Car and travel insurance.
  • Property, life and health insurance.
  • Insurance of liability, investments and financial savings.
  • Insurance Agriculture and commercial industry.

The work of this full member of the RCA is aimed at protecting the welfare of people by providing them with affordable and, in addition, responsive insurance products.

Today this organization is represented by three thousand offices throughout the country. More than forty-five million clients are under the insurance protection of this company. There are three hundred and eighteen claims settlement centers that serve customers without queues or stress. On this moment Rosgosstrakh is busy developing online insurance for the convenience of consumers.

Yugoria Company

“Yugoria” is a member of the RSA and has been issuing electronic policies since recently. Is a state insurance company that was founded twenty years ago. The sole shareholder of this organization is the Khanty-Mansiysk Okrug, which is represented by the Department of Property Management of Ugra. The company's assets are equal to sixteen billion rubles. The group, which is headed by Ugoria, also includes a subsidiary organization called Ugoria-Life.

The authorized capital of the Yugoria company today is more than a billion rubles. The clients of the represented company are sixty-four thousand legal entities, and in addition, over a million citizens.

Today, “Yugoria” can be called a universal insurance organization, a member of the RSA, providing a huge selection of insurance services. This organization has the right to carry out activities in twenty types of insurance using sixty different rules of this industry.

The Governor of Ugra N. Komarova directly provides guarantees to support the company. The government of this Autonomous Okrug has all the necessary resources to perform its functions in this market with one hundred percent guarantees. All necessary levers are used to ensure that the organization remains in a leading position.

The uniqueness of this insurance lies in the ability to harmoniously combine the reliability of government and commercial structures. For now Special attention"Yugoria" is given development branch network, which currently consists of seventy-three branches and more than two hundred agencies, as well as sales points that operate in fifty regions of our country.

The prospects of Ugoria are associated with the introduction of even higher levels of activity along with the desire to improve the quality of insurance products, as well as customer service in this industry.

Alfa Insurance Company

The Alfa Insurance company is also considered a large Russian organization, a member of RSA, providing a universal portfolio of services. The company's products include comprehensive programs, which are aimed at protecting business interests, as well as a wide range of insurance options for individuals. Carrying out activities on the basis of a license, this organization offers over a hundred products.

The Alfa Insurance company is quite widely known as a member of RSA, issuing electronic policies. Thus, on the territory of our country, insurance activities are carried out by more than two hundred and seventy representative offices. The products of this organization are used by more than twenty-three million companies, as well as individuals.

At the end of 2016, the Alfa Insurance organization significantly strengthened its position in the market and began to occupy fourth place among the largest domestic insurers. General fees The companies amount to two hundred and fifty billion rubles, and their market share is nine percent.

Alfa Insurance can boast of a reputation as a reliable and sustainable institution. Today, this group meets its obligations using its own funds. authorized capital in the amount of fourteen billion rubles.

Two years ago, the Alfa Insurance company passed the stage international assessment, after which she received a quality management system certificate. In addition to this, for last years The group’s work was recognized with a number of professional prizes and awards. Also, for the thirteenth year in a row, the company’s management has taken leading positions in the list of the authoritative annual rating called “Top 1000 Managers of Russia.”

Spasskie Vorota Company

The Spasskie Vorota company particularly specializes in corporate type of insurance. Its clients are the largest industrial enterprises, along with transport and trading companies, banks, subsidiaries and representative offices of transnational corporations.

Today, the assets of the presented company exceed one and a half billion rubles. Own funds the Spasskie Vorota institution amounts to nine hundred million rubles. In addition to the fact that the Spasskie Vorota group is a member of the RSA, it is also a member of the All-Russian and National Unions.

"Opora" company

Joint Stock Company "Opora" is an insurance company, a member of the RSA and is considered today a reliable, open and dynamically developing insurance organization. The stability of this company is confirmed by many years of work in the insurance market. Opora has been directly involved in its insurance activities since 1996.

The authorized capital of the Opora institution currently amounts to one billion rubles. Like previous companies, Opora acts as a universal insurer, offering a wide selection of modern products and services in its field. Opora's clients are corporate and private individuals.

A global study of changes in the Russian insurance market, along with customer needs, gives Opora the opportunity to offer individual solutions that best satisfy the interests of consumers in this industry.

Thus, today the RSA includes seventy-one insurance organization. You can contact any or a branch of any RSA member to ensure that all necessary list services. But it should be noted that the RCA list is regularly updated, since this association is always open to new partners and members.

Carefully study the blacklist of insurance companies before purchasing a policy. Companies that are on the “stop list” do their work poorly and receive many complaints from policyholders.

It is worth considering that after an insurance company’s license is suspended or revoked, some intermediaries continue to sell policies from blacklisted companies. Do not buy insurance if the company is on any of the lists presented, because... your policy will be invalid.

All problem companies can be divided into 3 groups:

Insurance companies with suspended license
Initially, due to numerous complaints and violations, insurance licenses may be suspended or limited. In this case, the insurance company does not disappear anywhere but does not have the right to sell or enter into new contracts. It is advisable to collect the unused portion of the insurance premium at this stage.

Insurance companies with revoked license
If the insurance company does not eliminate the violations at the previous step, then its license will be revoked. At this stage it is still possible insurance payment, if the company has money. At this stage, you can apply for compensation under compulsory motor liability insurance to the RSA (Russian Union of Auto Insurers)

Insurance companies are bankrupt
The last stage is bankrupt insurers. It is no longer possible to get anything from them except compensation payments under compulsory motor liability insurance through RSA.

Licenses are limited

The insurance company is now prohibited from entering into contracts by individual types insurance.

ALLIANCE (b yvsh. ROSNO) (reg. No. 290) limited on December 16, 2014, in terms of compulsory motor liability insurance, by order of the Bank of Russia dated December 12, 2014 No. OD-3500

JASK ABOUT (reg. No. 1595) limited on November 26, 2014, by order of the Bank of Russia dated November 19, 2014 No. OD-3258 (on limiting the validity of the insurance license)

Licenses suspended:

The insurance company is now prohibited from concluding contracts for all types of insurance.

RADON HEDGEHOG (reg. No. 3118) suspended on December 31, 2014, by order of the Bank of Russia dated December 26, 2014 No. OD-3670

SVYA TOGOR (reg. No. 3322) suspended on October 24, 2013, by order of the SBRFR No. 13-318/pz-i dated October 22, 2013

Licenses revoked:

The insurance company is forever prohibited from entering into contracts for all types of insurance. The company must fulfill its obligations and cease operations.

  1. LLC "Insurance Company "Avest" (Order of the Federal Insurance Service No. 95 dated May 26, 2005)
  2. West Siberian Transport Insurance Company LLC (FSSN Order No. 95 dated May 26, 2005)
  3. CJSC "Joint-Stock Insurance Company "Doverie" (FSSN Order No. 129 dated July 7, 2005)
  4. Euro-Asian Insurance Company LLC (FSSN Order No. 148 dated 08.08.2005)
  5. OJSC "Insurance Company of the Commonwealth of Independent States" (FSSN Order No. 159 dated September 2, 2005)
  6. LLC “Insurance Company “Our Nadezhda” (FSSN Order No. 417 dated December 2, 2005)
  7. LLC "Insurance Company "BORK"
  8. (former name - Insurance Company "Universal Policy" LLC) (FSSN Order No. 444 dated December 9, 2005)
  9. CJSC "Insurance Company "Fidelity-Reserve" (FSSN Order No. 482 dated December 23, 2005)
  10. OJSC "Rosmedstrakh" (FSSN Order No. 457 dated April 28, 2006)
  11. Insurance Company SK Priroda LLC (FSSN Order No. 661 dated June 16, 2006)
  12. LLC "Insurance Company "UNIKUM" (former name - LLC "Insurance Company "General Insurance") (Order of the Federal Insurance Service No. 62 dated January 26, 2007)
  13. LLC IC "Pyramid" (Order of the Federal Service for Social Insurance No. 1022 dated November 24, 2006)
  14. OJSC "General Insurance Company" (Order of the Federal Insurance Service No. 88 dated 02.02.2007)
  15. CJSC "Interregional Insurance Agreement" (Order of the Federal Insurance Service No. 582 of 06/08/2007)
  16. OJSC “Joint-Stock Insurance Company “Investstrakh-Agro” (FSSN Order No. 1291 dated December 21, 2007)
  17. LLC "People's Insurance Company "Rekon" (FSSN Order No. 88 dated March 14, 2008)
  18. LLC "Insurance Company "Aibolit" (FSSN Order No. 90 dated March 14, 2008)
  19. Zenit Insurance Company LLC (FSSN Order No. 96 dated March 20, 2008)
  20. Industrial Insurance Alliance LLC (FSSN Order No. 320 dated 08/01/2008)
  21. Northwestern Insurance Company LLC (FSSN Order No. 459 of October 10, 2008)
  22. LLC Insurance Company "Uralkoop-Policy" (FSSN Order No. 551 dated November 21, 2008)
  23. OJSC "Joint-Stock Insurance Company "LIDER" (Order of the Federal Insurance Service No. 629 dated December 19, 2008)
  24. General Insurance Alliance LLC (FSSN Order No. 33 dated January 30, 2009)
  25. LLC "SO "ASTO Garantiya" (Order of the Federal Tax Service No. 35 dated January 30, 2009)
  26. LLC "Insurance Company "GENERAL RESERVE" (FSSN Order No. 93 dated February 20, 2009)
  27. RussoBalt LLC (FSSN Order No. 114 of 03/05/2009)
  28. OJSC "Russian Insurance Company" (Order of the Federal Insurance Service No. 164 dated April 16, 2009)
  29. OJSC "Insurance Company "GRANIT" (FSSN Order No. 167 dated April 16, 2009)
  30. OJSC "Insurance Company "ASOPO" (FSSN Order No. 168 dated April 16, 2009)
  31. OOO " Insurance group“Crown” (FSSN Order No. 169 dated April 16, 2009)
  32. CJSC SJSC Metropolis (FSSN Order No. 217 dated April 30, 2009)
  33. LLC "Insurance Company "URALROS" (Order of the Federal Insurance Service No. 275 dated May 28, 2009)
  34. ZASO "KONDA" (Order of the Federal Service for Social Security No. 307 dated June 10, 2009)
  35. LLC "Insurance Company "PODDERZHKA - GARANT" (FSSN Order No. 362 dated 07.07.2009)
  36. LLC "Insurance Company "Finist - MK" (FSSN Order No. 363 dated 07/07/2009)
  37. OJSC Russian Joint Stock Insurance Company RASO (Order of the Federal Insurance Service No. 468 dated 09/03/2009)
  38. CJSC SO LK-City (FSSN Order No. 523 dated 10/02/2009)
  39. CJSC SK SVOD (Order of the Federal Service for Social Security No. 525 dated October 2, 2009)
  40. Gorstrakh LLC (FSSN Order No. 670 dated December 17, 2009)
  41. Insurance EMPIRE LLC (FSSN Order No. 72 dated February 17, 2010)
  42. CJSC "RUKSO" (Order of the Federal Tax Service No. 103 dated March 4, 2010)
  43. LLC "SK "Arbat" (Order of the Federal Tax Service No. 102 dated March 4, 2010)
  44. OJSC IC "Russkiy Mir" (FSSN Order No. 200 dated April 16, 2010)
  45. OJSC Insurance Company "SCM" (Order of the Federal Insurance Service No. 222 dated April 29, 2010)
  46. OJSC SK Ural AIL (Order of the Federal Service for Social Security No. 306 dated June 10, 2010)
  47. OJSC IC "Tsarina" (FSSN Order No. 337 dated June 24, 2010)
  48. CJSC SO "ASOL" (FSSN Order No. 399 dated July 23, 2010)
  49. LLC IC "National Quality" (Order of the Federal Service for Social Insurance No. 426 dated 08/05/2010)
  50. SJSC "CONTINENTAL" (FSSN Order No. 425 dated 08/05/2010)
  51. LLC SF "West-Akras" (FSSN Order No. 524 dated September 30, 2010)
  52. CJSC "TPSO" (Order of the Federal Service for Social Security No. 543 of October 14, 2010)
  53. OJSC IC Transgarant (FSSN Order No. 544 of October 14, 2010)
  54. CJSC "ZHASO-M" (FSSN Order No. 601 dated November 12, 2010)
  55. SO Sports Insurance LLC (FSSN Order No. 663 dated December 10, 2010)
  56. LLC IC "ROSINVEST" (Order of the Federal Tax Service No. 664 dated December 10, 2010)
  57. SK Sever Polis LLC (FSSN Order No. 665 dated December 10, 2010)
  58. LLC SK INNOGARANT (Order of the Federal Financial Markets Service No. 11-1239/pz-i dated May 24, 2011)
  59. OJSC "SK "GARMED" (by Order of the Federal Financial Markets Service No. 11-1839/pz-i dated July 21, 2011)
  60. JSC "ESCO" (by Order of the Federal Financial Markets Service No. 11-1839/pz-i dated July 21, 2011)
  61. OJSC "Rosstrakh" (Order of the Federal Financial Markets Service No. 11-2361/pz-i dated September 16, 2011)
  62. OJSC IC "Rostra" (Order of the Federal Financial Markets Service No. 11-3507/pz-i dated December 22, 2011)
  63. LLC "SK KG" (FSFM No. 12-554/pz-i dated 03/06/2012)
  64. CJSC SK NIKA Plus (Order of the Federal Financial Markets Service No. 12-897/pz-i dated 04/05/2012)
  65. CJSC IC "RST" (Order of the Federal Financial Markets Service No. 12-898/pz-i dated 04/05/2012)
  66. CJSC "SOPO RT" (by Order of the Federal Financial Markets Service No. 12-1032/pz-i dated April 17, 2012)
  67. OJSC "SG "Regional Alliance" (Order of the Federal Financial Markets Service No. 12-1726/pz-i dated July 10, 2012)
  68. LLC "SG "Admiral" (Order of the Federal Financial Markets Service No. 12-1886/pz-i dated July 24, 2012)
  69. OJSC "VSPK" (Order of the Federal Financial Markets Service No. 12-2187/pz-i dated August 23, 2012)
  70. ERMAK (reg. No. 3347) revoked on December 31, 2014, by order of the Bank of Russia dated December 30, 2014 No. OD-3747
  71. ARKADA (reg. No. 3887) revoked on December 10, 2014, by order of the Bank of Russia dated December 4, 2014 No. OD-3401
  72. EUROSIB-INSURANCE (reg. No. 2240) revoked on November 26, 2014, by order of the Bank of Russia dated November 19, 2014 No. OD-3259
  73. ISLA (reg. No. 3950) revoked on November 19, 2014, by order of the Bank of Russia dated November 14, 2014 No. OD-3200
  74. SDS-Medicine (formerly GSMK) (reg. No. 3150) revoked on November 19, 2014, by order of the Bank of Russia dated November 11, 2014 No. OD-3180
  75. Confidence (formerly NKM-Confidence) (reg. No. 3925) revoked on November 7, 2014, by order of the Bank of Russia dated October 29, 2014 No. OD-3077
  76. Center health insurance“Zdravo” (reg. No. 4236) was revoked on November 7, 2014, by order of the Bank of Russia dated October 29, 2014 No. OD-3076
  77. Instant Guarantor (formerly AMUR) (reg. No. 3885) revoked on October 22, 2014, by order of the Bank of Russia dated October 14, 2014 No. OD-2848
  78. Life Insurance Company "Russia" (reg. No. 3979) was revoked on 10/01/2014, by order of the Bank of Russia dated 09/25/2014 No. OD-2611
  79. SOCIAL INSURANCE COMPANY (reg. No. 3843) revoked on 10/01/2014, by order of the Bank of Russia dated 09/25/2014 No. OD-2613
  80. LITER-POLICY (reg. No. 31) revoked on September 17, 2014, by order of the Bank of Russia dated September 12, 2014 No. OD-2499
  81. ARKA-INSURANCE (reg. No. 1057) revoked on September 17, 2014, by order of the Bank of Russia dated September 12, 2014 No. OD-2498
  82. ASCENSION (registration No. 3709) revoked on August 27, 2014, by order of the Bank of Russia dated August 21, 2014 No. OD-2182
  83. SOGAZ-AGRO (registration No. 3297) was revoked on July 23, 2014, by order of the Bank of Russia dated July 17, 2014 No. OD-1827
  84. EVEREST (reg. No. 3620) revoked on June 20, 2014, by order of the Bank of Russia dated June 10, 2014 No. OD-1355
  85. SLAVYANSKAYA (formerly AVISTA-GARANT) (reg. No. 1127) revoked on 06/05/2014, by order of the Bank of Russia dated 05/27/2014 No. OD-1175
  86. UNION SO (reg. No. 3738) revoked on May 28, 2014, by order of the Central Bank of the Russian Federation dated May 20, 2014 No. OD-1080
  87. INSURANCE COMPANY OF SAINT ANDREW THE FIRST CALLED (reg. No. 3432) was revoked on 05/08/2014, due to the refusal to operate by order of the Central Bank of the Russian Federation dated 04/30/2014 No. OD-885
  88. INFORMSTRAKH (reg. No. 86) revoked on 03/07/2014, by order of the Bank of Russia No. 14-380/pz-i dated 02/27/2014

Find out how much an electronic MTPL policy will cost for you and which insurance companies can buy it from in your region:

The official website of RSA was registered in 2002 along with the creation of the Russian Union of Motor Insurers itself. The main activity of RSA is the interaction of insurers, government agencies, car owners and other interested parties in ensuring current legislation in the field of compulsory insurance auto liability(OSAGO).

The need to create RSA and its main information resource, the official website, was due to the introduction on July 1, 2003 in the territory Russian Federation law requiring compulsory motor liability insurance for all drivers. At the time of its founding, RSA included 48 insurance companies in the Russian Federation. In the process of conducting business, this figure changed depending on the number of companies operating in the field of compulsory motor liability insurance.

The official website of RSA has become especially relevant since 2017, when insurance companies selling “motor insurance” were required to develop and implement on their official websites tools that allow clients to remotely purchase e-MTPL electronic policies online. It was from this moment that the Russian Union of Motor Insurers took upon itself the responsibility of guaranteeing the sale of e-OSAGO to any motorist. The systems that allow this to be accomplished are called Unified Agent and E-Garant.

E-Garant on the official website of RSA

As mentioned above, the E-Garant system was created to guarantee the implementation of compulsory car insurance to all clients without exception. The reason for this was the fact that insurance companies often refused to sell an electronic policy to a client, explaining the situation due to technical difficulties.

The introduction of the E-Garant system has solved most of the problems of Internet users who have problems purchasing insurance online. This is implemented as follows:

  • The client goes to the official website of a company or, which allows them to calculate the cost of the policy for all insurance companies.
  • Enters all the information necessary to calculate the cost of insurance.
  • Next, the insurance company offers the client to buy e-OSAGO at the calculated cost, or, if for some reason it cannot sell the policy at the moment, it displays a link to go to the E-Garant system.
  • On the official website of RSA, after entering the PTS number and the region of operation of the vehicle, E-Garant forcibly appoints an insurance company that will 100% sell the policy.
  • At the bottom of the page there will be a button to go to the official website of the designated insurance company and apply for insurance.

More details about purchasing MTPL in the E-Garant system are written in.

Checking KBM online

The bonus-malus coefficient is perhaps the main adjustment indicator that affects the final cost of the policy. It is calculated individually for each driver based on his driving accident history. Thus, for a driver who has recently been repeatedly involved in road accidents due to his own fault, the cost of compulsory motor liability insurance will be significantly higher than for a more careful car owner with an accident-free history. The calculation of the KBM occurs according to a special and. Read more about calculating this coefficient manually at the link above.

It is much easier to find out your current KBM on the official RSA website by making an online request to the constantly updated database:

  • Go to the KBM verification page - dkbm-web.autoins.ru/dkbm-web-1.0/kbm.htm.
  • Fill in the required fields: last name, first name, patronymic, date of birth, as well as driver's license series and number.
  • After submitting the form, the specified data will be checked against the PCA database, after which you will receive a KBM.

How to check the authenticity of an issued MTPL policy on the RSA website

With the widespread dissemination of e-MTPL electronic policies, cases of insurance fraud have become more frequent. To eliminate the possibility of falling into the hands of fraudsters, you must adhere to one thing: simple rule— use the official websites of insurance companies to purchase. In addition, you can use websites - so-called online calculators, which calculate the cost of compulsory motor liability insurance according to the same official companies. In the list of third-party reliable services we can note:

All of these sites operate using the secure https protocol and use a single principle: the user calculates the cost of compulsory motor third party liability insurance (MTPL) for all insurance companies at once, after which he can go to the official website of the insurance company and purchase e-MTPL at the calculated price.

After the user has gone through all the stages of purchasing a policy, its authenticity can be verified. This is where the RSA website comes in handy again.

Verification of OSAGO authenticity by series and policy number

  1. Go to the page https://dkbm-web.autoins.ru/dkbm-web-1.0/bsostate.htm.
  2. Write the policy number (only numbers can be used).
  3. Click the Search button.

If successful, the page will display information about the policy you are looking for. Otherwise, the service will issue an error indicating the reason.

How to check which car is included in the OSAGO policy

  1. Go to the RSA page https://dkbm-web.autoins.ru/dkbm-web-1.0/osagovehicle.htm.
  2. Specify the series of the form, for example, XXX, CCC, MMM, KKK, EEE or BBB.
  3. Enter the policy number (only numbers can be used).
  4. Set the date for which you want to check the information.
  5. After submitting the form, information about the car that is included in the insurance, the series and number of which you indicated, will appear on the page.

Checking insurance availability by car number

  1. Follow the link https://dkbm-web.autoins.ru/dkbm-web-1.0/policy.htm.
  2. Please enter your car number.
  3. If possible, please include the VIN and chassis number.
  4. Click the Search button.
  5. The result of the check will be confirmation or refutation of the availability of insurance for a car with the specified state license plate.

The process of all the above checks is more detailed.

Calculation of the cost of spare parts for repairs under OSAGO on the RSA website

Another useful function of the official RSA website is the ability to calculate the cost of spare parts that are required to carry out insurance recovery car according to OSAGO.

  1. Go to prices.autoins.ru/priceAutoParts/.
  2. Indicate the date, region, car brand name and article number of the spare part you are looking for.
  3. Next, enter the verification code and click the “Send request” button.

Contacts of the Russian Union of Auto Insurers

Car owners, when insuring their vehicles, have probably heard mention of such an organization as RSA. This organization operates in accordance with the Federal Law “On Compulsory Motor Liability Insurance” No. 40-FZ. What kind of association is this, and what does it have to do with auto insurance? We will answer these questions in this article.

Field of activity

Main purpose Russian Union auto insurers (RAI) – ensuring interaction between insurance companies and protecting the professional interests of their members. The organization operates in all regions of the Russian Federation, the principles of its work are regulated by the law “On OSAGO”, and membership in this union is a mandatory condition for all insurers selling to citizens insurance policies OSAGO.

The tasks of RSA include:

  • exercising control functions (association employees monitor how conscientiously insurance companies comply with generally established norms and rules of insurance activities);
  • protection of the legal rights of insurers-members of the organization (representation of their interests in government bodies and other places related to the field of compulsory motor liability insurance);
  • information and advisory work (explaining to citizens the basic norms and principles of compulsory insurance, increasing the level of public awareness of what compulsory motor liability insurance is and why it is needed);
  • creation and maintenance of various types information bases and resources storing data about policyholders, insurance companies, vehicles, etc., and ensuring the confidentiality of this information;
  • coordinating the efforts of insurance companies-members of the RCA to combat fraudulent and any other illegal activities in the field of auto insurance.

History of creation

The Russian Union of Auto Insurers was founded on August 8, 2002 with the participation of 48 insurance organizations (most of them were large Moscow companies), and on October 14 of the same year the association passed state registration and received the right to officially carry out its activities within the framework of Federal Law No. 40 “On Compulsory Motor Liability Insurance”.

RSA became the first association that received the corresponding PIC status (professional association of insurers) with the support of the Department of Insurance Supervision (one of the divisions of the Ministry of Finance). And if now it is difficult to challenge the leading role of RCA in the domestic auto insurance market, then at the time of the organization’s creation there were great fears that serious competition would arise between the associations operating in those days for the right to obtain PIC status.

In particular one of regional associations insurers also tried to get a similar status for themselves, citing the fact that Federal law No. 40 uses the definition “single”, which is not at all equal to the concept “single”. However, this attempt was unsuccessful, which, according to experts, led to some monopolization of the market.

Conditions of entry

The procedure for accepting new participants and the features of membership in the RSA are determined in special regulations approved by the Presidium of the organization. There are two types of membership in the association: actual and observer rights. The fundamental difference between them is that full members have a license to carry out insurance activities in the field of compulsory motor liability insurance, while observers do not have one.

The RSA has a number of requirements for insurance companies wishing to join the union:

  • experience in a related field voluntary insurance vehicles (CASCO) or civil liability of vehicle owners (DSAGO) for at least 2 years (this experience means the presence of valid insurance agreements with clients, as well as recorded cases of settlement of insurance situations);
  • willingness to comply with current insurance legislation, the charter of the RSA and consent to comply with the standards adopted by the governing bodies of the RSA;
  • signing a direct indemnity agreement.

An insurance company wishing to join the association must prepare and provide a full package of necessary documents (the list can be found on the RSA website).

At the moment, the following membership fees have been determined:

  • 0.5% of MTPL fees for insurance companies that are members of the RSA board (but not less than 6.25 million and not more than 13.5 million rubles);
  • 0.4% of MTPL fees for insurance companies included in the RSA presidium (but not less than 500 thousand and not more than 6 million rubles);
  • 0.3% of MTPL fees for all other members of the union (but not less than 25 thousand and not more than 2.25 million rubles);

Contacts

To contact RSA for any questions or problems ( compensation payments, unlawful actions on the part of the insurer, detection of cases of fraud or forgery of MTPL policies, etc.), the following methods can be used.

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