About the company

VSK is a nationwide universal insurer serving individuals, small businesses and large corporations in every region of Russia. It offers both retail products (OSAGO, KASKO, home and travel cover) and programmes for companies.

According to the Bank of Russia, VSK ranked 11th among all Russian insurers by premiums in 2025 and moved up to tenth in H1 2026. Its registered address is on Ostrovnaya Street in Moscow.

Lines of insurance

The portfolio is well diversified by line and region: KASKO is the largest line, with significant shares from OSAGO, property, health and personal accident insurance. Individuals can insure cars, homes, mortgages and trips and buy critical illness cover; businesses can insure staff, property, cargo, fleets, liability and hazardous facilities.

For individuals

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

VSK sells OSAGO and is a member of the Russian Union of Motor Insurers. It works actively through agents and regional partners and also sells policies online. Rating agencies note the company's strong reinsurance protection, which matters when insuring large assets.

VSK holds Bank of Russia licences for property and personal insurance (other than life), 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 112.8 billion in premiums and paid RUB 72.0 billion in claims, ranking 11th among all Russian insurers by premiums with a market share of about 2.8%. In H1 2026 premiums totalled RUB 64.8 billion and claims paid RUB 34.6 billion.

Indicator2025H1 2026
Gross written premiumsRUB 112.8 billionRUB 64.8 billion
Claims paidRUB 72.0 billionRUB 34.6 billion
Rank by premiums among Russian insurers1110

Credit (financial strength) ratings on the national scale for the Russian Federation:

  • Expert RA: ruAA, stable outlook (rating action of 11.09.2026)
  • ACRA: AA(RU), stable outlook (rating action of 03.08.2026)
  • NKR: AA.ru, developing outlook (rating action of 10.06.2026)

Contacts and claims

  • Phone: 8 800 775-15-75 (toll-free in Russia)
  • Website: www.vsk.ru
  • Email: info@vsk.ru
  • Registered address: 4 Ostrovnaya St., Moscow 121552

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.