About the company
Ugoria Insurance Group JSC is a universal insurer headquartered in Khanty-Mansiysk. It was originally set up in the Khanty-Mansi Autonomous Okrug - Yugra as a regional state enterprise and now serves individuals and businesses in many Russian regions.
According to the Bank of Russia, Ugoria ranked 19th among all Russian insurers by premiums in 2025 and 20th in H1 2026. It is one of the largest insurers headquartered outside Moscow.
Lines of insurance
Motor insurance is the core of the portfolio: OSAGO and KASKO account for about two thirds of premiums. The company also provides personal accident, home and apartment, health and travel cover, and for businesses property, cargo, fleet, liability, hazardous facility and agricultural insurance.
For individuals
- OSAGO (compulsory motor third-party liability)
- KASKO (comprehensive car cover)
- Travel insurance
- Home and apartment insurance
- Personal accident insurance
- Voluntary health insurance (DMS)
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
- Aviation insurance
You can get an indicative price in our calculators for OSAGO, KASKO, travel insurance and home insurance; the final premium is set by the insurer.
Key features
Ugoria sells OSAGO and is a member of the Russian Union of Motor Insurers. Its business is geographically diversified: Moscow accounts for only about a fifth of premiums, with the rest coming from the regions. Agents are the main sales channel.
The company holds Bank of Russia licences for property and personal insurance (other than life), compulsory lines and reinsurance. Claims can be filed at a company office in your region or remotely; OSAGO claims follow the rules and deadlines common to all insurers.
Key figures and ratings
According to the Bank of Russia, in 2025 the company collected RUB 36.7 billion in premiums and paid RUB 19.9 billion in claims, ranking 19th among all Russian insurers by premiums with a market share of about 0.9%. In H1 2026 premiums totalled RUB 20.3 billion and claims paid RUB 11.0 billion.
| Indicator | 2025 | H1 2026 |
|---|---|---|
| Gross written premiums | RUB 36.7 billion | RUB 20.3 billion |
| Claims paid | RUB 19.9 billion | RUB 11.0 billion |
| Rank by premiums among Russian insurers | 19 | 20 |
Credit (financial strength) ratings on the national scale for the Russian Federation:
- Expert RA: ruAA, stable outlook (rating action of 22.10.2025)
- NRA: AA|ru|, stable outlook (rating action of 29.04.2026)
Contacts and claims
- Phone: +7 (3467) 35-72-22
- Website: www.ugsk.ru
- Email: mail@ugsk.ru
- Registered address: 61 Komsomolskaya St., Khanty-Mansiysk, Khanty-Mansi Autonomous Okrug - Yugra 628011
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.