About the company
Defense Insurance LLC grew out of the Russian business of the international group BNP Paribas Cardif. In April 2024 Cardif Insurance Company LLC changed its name to Defense Insurance (Defans Strakhovanie); the company states that the name change did not affect any previously assumed obligations.
Its main business model is partnership-based: products are offered to clients through car manufacturers, dealer holdings, banks (including captive banks) and insurance brokers. Bank of Russia licences SL and SI No. 4104 allow the company to provide voluntary personal and property insurance.
Types of insurance offered
- Extended car warranty — protection for your budget if the engine, gearbox, braking system or electrical equipment breaks down.
- Motor insurance via dealers and car manufacturers.
- Mortgage insurance — new contracts and renewals.
- Accident and property insurance, including in bank programmes.
- For businesses — cargo, liability, directors' and officers' liability (D&O) and water transport.
Key figures
According to the Bank of Russia, in 2025 the company collected RUB 4 billion in premiums and paid out RUB 173 million, ranking 49th in the market. In the first half of 2026 it collected RUB 1.2 billion and paid out RUB 59 million (ranked 54th). A low share of payouts is typical for insurers working through banks and car dealers.
ACRA credit rating: A(RU), stable outlook (March 2026).
Contacts and claims
Phone: 8 800 555-87-65 (free). Requests — about an insured event, cancelling a contract or a premium refund — are easiest to submit in the online account at www.defense.insure, where you can also track their status. The company informs you of next steps within 7 working days.
If the policy was taken out with a loan or a car, remember the cooling-off period: within 14 calendar days you can cancel a voluntary contract and get the premium back, and if the loan is repaid early, part of the premium can be refunded on contracts concluded to secure the loan.
If you disagree with a claim decision, first send the insurer a written complaint. For individuals, disputes of up to RUB 500,000 must go to the Financial Ombudsman before court.