About the company
NKO POVS Spektr is a consumer mutual insurance society founded in Moscow on 26 June 2023 and registered on 7 July 2023. It operates under Bank of Russia licence VS No. 4403 for mutual insurance (originally issued on 14.12.2023). Its director is Kemal Madzhirovich Kanamatov, PhD in Economics.
The governing bodies are the general meeting of members, the board and the director; there is also an internal audit service. Annual financial statements with auditor's reports and actuarial reports are published on the society's website.
How to become a member
A mutual insurance society (OVS) insures only its own members: you first join the society under its membership regulations and charter (usually by paying an entrance fee) and then sign an insurance contract. Members take part in governance through the general meeting. Mutual insurance is regulated by Federal Law No. 286-FZ "On Mutual Insurance" and supervised by the Bank of Russia.
Types of insurance offered
- Liability of insolvency practitioners (arbitration managers).
- Third-party liability, including liability for defects in goods, works and services and for breach of contractual obligations.
- Land vehicle insurance (KASKO) against theft and damage, including road accidents and natural hazards.
- Insurance of homes and household property of individuals.
- Commercial property and cargo.
- Business and financial risks.
Key figures
According to the Bank of Russia, in 2025 the society collected about RUB 316,000 in contributions (115th place among insurers) and made no payouts. In the first half of 2026 contributions amounted to about RUB 238,000.
Contacts and claims
Address: Moscow, Elektrodnaya Street, 2, building 34. Phones: 8 800 301-96-33 and +7 (916) 030-51-46, office hours — Mon–Fri 10:00–19:00. E-mail: ask@ovs-spectr.ru, info@ovs-spectr.ru. Website — www.ovs-spectr.ru, with a personal account for members.
Report an insured event to the society by phone or via the website form and keep the documents about the incident and the damage. The procedure for submitting requests to NKO POVS Spektr is published on the website.
If you disagree with the insurer's decision, first send it a written claim (pretenziya). An individual consumer can then apply to the Financial Ombudsman — for many disputes this is a mandatory step before going to court. See "Insured event" for details.
If you need a policy from an insurance company without joining a society, compare options in the insurer directory or send a request.