About the company
Sovcombank Insurance (Sovcombank Strakhovanie JSC) is a multi-line insurer belonging to the Sovcombank group. It previously operated as Liberty Insurance JSC and took its current name after the change of shareholder. In 2024 it absorbed Inlife Insurance LLC and Home Credit Insurance LLC.
The company serves individuals and businesses, selling policies online, in its offices and through the shareholder bank’s branches. It is a member of the Russian Union of Motor Insurers (RSA) and holds Bank of Russia licences (No. 1675) for voluntary property and personal insurance, OSAGO, OSOPO, OSGOP and reinsurance.
Insurance products
For individuals
- OSAGO (compulsory motor third-party liability insurance) and KASKO (motor hull insurance), including simplified KASKO options, plus accident cover for drivers and passengers.
- Mortgage insurance required by lending banks.
- Home and apartment insurance and liability to neighbours.
- Travel insurance for trips abroad and within Russia.
- Accident insurance, critical illness cover and voluntary health insurance (DMS), including plans for labour migrants and international students.
When choosing KASKO, compare not only the price but also the terms: the deductible, how claims are settled (repair at a garage chosen by the insurer or cash), depreciation, vehicle storage requirements and exclusions. Simplified KASKO options are cheaper but cover fewer risks — for example, only total loss and theft, or damage caused by another driver.
For business
Companies can buy property insurance, cargo, fleet and construction and erection risks cover, general and professional liability, cyber risks, compulsory OSOPO (hazardous facility liability) and OSGOP (carrier liability), employee health and employee accident insurance.
Key figures
According to the Bank of Russia, in 2025 Sovcombank Insurance collected RUB 28.4 billion in premiums and paid out RUB 14.1 billion, ranking 22nd in the Russian insurance market (a share of about 0.7%). In the first half of 2026 it collected RUB 14.6 billion and paid RUB 8.2 billion, also ranking 22nd.
Ratings and financial strength
The company’s financial strength is assessed by two agencies:
- Expert RA — ruAA, stable outlook (20.02.2026);
- ACRA — AA(RU), stable outlook (04.05.2026).
Both ratings indicate a high level of reliability on the national scales.
OSAGO with Sovcombank Insurance
All insurers calculate OSAGO using a single Bank of Russia formula, but each chooses its base rate within the permitted range. You can estimate the price in advance with the OSAGO calculator, and KASKO with the KASKO calculator. OSAGO limits are RUB 400,000 for property damage and RUB 500,000 for harm to life and health. Without calling the traffic police, an accident can be registered under the European accident report (europrotokol) for damage of up to RUB 100,000, or up to RUB 400,000 when recorded via the Gosuslugi Avto app.
Contacts and claims
- Hotline: 8 800 100-21-00 (free within Russia); DMS medical desk — 8 800 220-88-80.
- Website: www.sovcomins.ru — online policies, claim notification, office addresses.
- Registered address: 35 Leningradsky Prospekt, bldg. 1, Moscow.
After a road accident, a flood in your flat or another insured event, record the circumstances (photos, video, official documents), do not start repairs before the inspection and notify the company within the period stated in the policy. Under OSAGO you claim from the at-fault driver’s insurer; with KASKO you claim from Sovcombank Insurance under your own policy.
If a claim is refused or underpaid, first send a written claim, then apply to the Financial Ombudsman — free of charge for individuals. Step-by-step guides are in the Insured event section. You can compare terms with other insurance companies or ask Polis Re specialists for a selection via a request.