About the company
RESO-Garantia is a universal insurer founded in 1991. It serves individuals and businesses throughout Russia and is best known as one of the largest players in motor insurance.
According to the Bank of Russia, RESO-Garantia ranked seventh among all Russian insurers by premiums in 2025. It has an extensive branch network, its business is spread across regions, and most sales come through agents. The registered address is on Nagorny Proezd in Moscow.
Lines of insurance
OSAGO is the largest line, with significant shares from KASKO, household property, health and personal accident insurance. Individuals can insure cars, apartments and houses and mortgages, and buy travel, critical illness and pet cover; businesses can insure staff, property, cargo, fleets and liability.
For individuals
- OSAGO (compulsory motor third-party liability)
- KASKO (comprehensive car cover)
- Travel insurance
- Mortgage insurance
- Home and apartment insurance
- Personal accident insurance
- Voluntary health insurance (DMS)
- Critical illness cover
- Pet insurance
For businesses
- Employee health insurance
- Employee accident insurance
- Commercial property
- Fleet insurance
- Cargo insurance
- General liability
- Professional liability
- OSOPO (hazardous facility owners liability)
- OSGOP (carrier liability to passengers)
- Agricultural insurance
- Marine and inland water transport
You can get an indicative price in our calculators for OSAGO, KASKO, travel insurance, mortgage insurance and home insurance; the final premium is set by the insurer.
Key features
RESO-Garantia sells OSAGO and is a member of the Russian Union of Motor Insurers. It relies on its agent network and regional offices, so you can buy a policy and report a claim not only online but also in person in many cities.
The company holds Bank of Russia licences for property and personal insurance, compulsory lines and reinsurance. Three Russian rating agencies have assigned it financial strength ratings.
Key figures and ratings
According to the Bank of Russia, in 2025 the company collected RUB 151.7 billion in premiums and paid RUB 87.7 billion in claims, ranking 7th among all Russian insurers by premiums with a market share of about 3.8%. In H1 2026 premiums totalled RUB 72.5 billion and claims paid RUB 45.7 billion.
| Indicator | 2025 | H1 2026 |
|---|---|---|
| Gross written premiums | RUB 151.7 billion | RUB 72.5 billion |
| Claims paid | RUB 87.7 billion | RUB 45.7 billion |
| Rank by premiums among Russian insurers | 7 | 8 |
Credit (financial strength) ratings on the national scale for the Russian Federation:
- Expert RA: ruAA+, stable outlook (rating action of 17.10.2025)
- ACRA: AA+(RU), stable outlook (rating action of 28.05.2026)
- NKR: AAA.ru, stable outlook (rating action of 16.02.2026)
Contacts and claims
- Phone: 8 800 234-18-02 (toll-free in Russia)
- Website: reso.ru
- Email: mail@reso.ru
- Registered address: 6 Nagorny Proezd, bldg 9, floor 3, room 1, Moscow 117105
After a road accident, register it with the traffic police or by the European accident report (europrotocol): without the police the payout limit is RUB 100,000, or up to RUB 400,000 if the data is recorded via Gosuslugi Avto or the DTP.Europrotocol app. Then file a direct claim with your own insurer and present the car for inspection. Under OSAGO the insurer has 20 calendar days (excluding public holidays) to process the claim. For KASKO, property and other voluntary cover, the procedure and deadlines follow the policy terms.
If you disagree with the decision, send a complaint to the insurer. OSAGO disputes of any amount, and other disputes of up to RUB 500,000, go to the Financial Ombudsman before court (free for consumers). You can also complain to the Bank of Russia and, for OSAGO matters, to the Russian Union of Motor Insurers (RSA).
Polis Re specialists can help you compare offers from different insurers and choose a policy that fits your needs: send a request or use the comparison tool. Other market players are listed in our insurance company directory.