Protection tailored to your needs.
From everyday risks to a corporate program. Choose a line — we will compare the terms together.
OSAGO (compulsory motor liability insurance)
OSAGO pays for the harm you cause to others in a road accident: up to RUB 400,000 for property and RUB 500,000 for life and health. How the price is set and how to claim.
KASKO (motor own-damage insurance)
KASKO protects your car against damage and theft regardless of fault. The risks and deductibles available, what drives the price and how to avoid a refused claim.
Travel insurance (VZR)
Travel insurance pays for medical treatment, transport and other costs during a trip abroad. How to choose the sum insured and options, what a visa requires and how to buy online.
Mortgage insurance
With a mortgage, the law requires insuring only the collateral; life and title cover are optional but affect the rate. How to choose an insurer, save and get a refund.
Home and apartment insurance
A policy for a flat or house protects finishes, structure and belongings against water leaks, fire and theft, plus your liability to neighbours. What to choose and how to claim.
Personal accident insurance
Accident insurance pays money for injury, hospital stays, disability or death. How it differs from voluntary health insurance (DMS), how to choose a plan and how to claim.
Life insurance
Life insurance protects your family against lost income and helps you save. Term, endowment and investment plans, the tax deduction and ASV guarantees from 2027.
DMS — voluntary medical insurance
DMS pays for treatment at private and departmental clinics under the chosen programme. How it differs from OMS, what drives the price and how to recover part of your income tax.
Critical illness insurance
A critical illness policy pays money or covers treatment for cancer, heart attack, stroke and other serious diagnoses. How it works and what matters in the terms.
Pet insurance
Pet insurance pays for vet treatment, protects the owner against claims for harm caused by the animal and compensates the pet's death. What is included and how to choose.
Green Card (international motor insurance)
The Green Card is international motor liability insurance. Why Russian policies have not worked since 2023, what the Blue Card is and how to drive abroad in your own car.
Commercial property insurance
Voluntary insurance of a company's buildings, equipment, goods and stock in Russia: which risks a policy covers, how to set the sum insured, what drives the rate and how to get paid.
Cargo insurance
Cargo insurance for domestic and international shipments from Russia: coverage terms, the link with Incoterms, how it differs from carrier liability, rates and claims.
General liability insurance
General (third-party) liability insurance for businesses in Russia: what the policy covers, who needs it, SRO and customer requirements, pricing and how victims are paid.
Professional liability insurance
Professional liability insurance in Russia for consultants, designers, IT firms and other specialists: what it covers, where it is mandatory, pricing and choosing a policy.
Directors and officers liability insurance (D&O)
D&O insurance in Russia — liability cover for directors and officers: protection from claims by shareholders, creditors and counterparties, subsidiary liability, cover, price.
Construction and erection all risks insurance (CAR/EAR)
Construction and erection all risks insurance in Russia: cover for works, materials and plant, third-party liability, Civil Code, 44-FZ and SRO requirements, price and claims.
Corporate voluntary health insurance (DMS) for employees
Corporate DMS (voluntary health insurance) in Russia: programmes, clinics, tax treatment under the Tax Code, cover for foreign workers, cost drivers and choosing an insurer.
Employee accident insurance
Corporate personal accident insurance for employees in Russia: how it differs from compulsory social insurance under 125-FZ, risks, sums insured, price and claims.
Fleet insurance
Corporate fleet insurance in Russia: compulsory OSAGO for every vehicle and fleet KASKO under a single contract. What is covered, what drives the price, fines and choosing an insurer.
OSOPO — hazardous facility owner liability insurance
OSOPO under Law 225-FZ: which facilities must be insured, sums insured from RUB 15 million to 9.75 billion, payouts to victims, the fine under Article 9.19 KoAP and choosing an insurer.
OSGOP — carrier liability insurance for passengers
OSGOP under Law 67-FZ: who must insure, sums insured per passenger, payouts for death and injury, fines of up to RUB 1 million under Article 11.31 KoAP and choosing an insurer.
Agricultural insurance
Agricultural insurance in Russia: crops, plantings, farm animals and aquaculture, including state-subsidised cover under Law 260-FZ — subsidy, conditions, deductible and payouts.
Cyber insurance
Cyber insurance for businesses in Russia: investigation and recovery costs, downtime after an attack, client claims after a data leak. What is covered, exclusions, price and choosing a policy.
Marine and inland vessel insurance
Marine and inland vessel insurance in Russia: hull and machinery for sea and river vessels, shipowner liability to third parties, crew and cargo owners. Compulsory cover, price and claims.
Aviation insurance
Aviation insurance in Russia: aircraft hull cover, compulsory carrier and operator liability under the Russian Air Code, crew insurance, pricing and claims.
Insurance reference
Materials on mandatory and optional insurance and services for individuals and businesses.
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