About the company
T-Insurance JSC is the insurance company of the T-Bank ecosystem, operating since 2013 (formerly Tinkoff Insurance). It focuses on online sales: policies are issued on the website, in the bank's app and through partners, and most policy operations can be done remotely.
According to the Bank of Russia, T-Insurance ranked 15th among all Russian insurers by premiums in 2025 and 17th in H1 2026. Its registered address is on 2nd Khutorskaya Street in Moscow.
Lines of insurance
The largest line is personal accident and illness insurance. The company also sells OSAGO and KASKO, travel policies, mortgage insurance, home and apartment cover and health insurance, and for businesses fleet, employee and liability cover.
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)
For businesses
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
More than half of the premiums come through T-Bank, so the products are particularly convenient for bank customers: a policy can be bought and renewed in the app. T-Insurance sells OSAGO and is a member of the Russian Union of Motor Insurers; many policy operations are available remotely.
The company operates under Bank of Russia licences SI, SL, OS and PS No. 0191 dated 1 July 2024, covering property and personal insurance, compulsory insurance and reinsurance. It does not write life insurance; within the group these plans are offered by T-Insurance of the Future.
Key figures and ratings
According to the Bank of Russia, in 2025 the company collected RUB 66.8 billion in premiums and paid RUB 21.6 billion in claims, ranking 15th among all Russian insurers by premiums with a market share of about 1.7%. In H1 2026 premiums totalled RUB 25.4 billion and claims paid RUB 12.5 billion.
| Indicator | 2025 | H1 2026 |
|---|---|---|
| Gross written premiums | RUB 66.8 billion | RUB 25.4 billion |
| Claims paid | RUB 21.6 billion | RUB 12.5 billion |
| Rank by premiums among Russian insurers | 15 | 17 |
Credit (financial strength) ratings on the national scale for the Russian Federation:
- Expert RA: ruAA, stable outlook (rating action of 17.04.2026)
Contacts and claims
- Phone: 8 800 700-55-00 (toll-free in Russia)
- Website: www.tinsurance.ru
- Email: info@tinsurance.ru
- Registered address: 38A 2nd Khutorskaya St., bldg 26, Moscow 127287
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.