If you are looking for a reliable insurance company for your car, you have probably come across the names AutoNS Plus and Ingosstrakh. These two organizations have been working on the Russian market for a long time and offer a wide range of services - from mandatory OSAGO to voluntary CASCO. But how are they different from each other? Which one is right for you? And how not to make a mistake when choosing a policy?
In this article we will analyze in detail what they are AutoNS Plus and Ingosstrakh, compare their rates, insurance conditions and customer reviews. You will learn how to apply for a policy online, what documents you will need, and what to pay attention to when concluding a contract. We will also answer the most common questions that car owners have when choosing an insurance company.
What is AutoNS Plus: history, rating and features
AutoNS Plus is a specialty insurance company that focuses exclusively on auto insurance. It was founded in 2015 as a subsidiary NSG "National Insurance Group" and quickly gained the trust of car owners thanks to transparent conditions and flexible tariffs.
The main areas of the company's work:
- 📜 OSAGO — compulsory civil liability insurance;
- 🛡️ CASCO — voluntary car insurance against theft and damage;
- 🚗 DSAGO — additional liability insurance (extended version of MTPL);
- 🔧 Accident insurance for the driver and passengers.
According to Central Bank of the Russian Federation, AutoNS Plus is among the top 20 insurance companies in terms of the volume of premiums for compulsory motor liability insurance. Its key advantage is online policy issuance without visiting the office. At the same time, the company cooperates with most large banks, which allows you to obtain insurance directly when purchasing a car on credit.
However, there are also nuances. For example, AutoNS Plus does not work with some regions of Russia (mostly remote areas), and CASCO tariffs can vary significantly depending on the car model and the driver’s experience.
Ingosstrakh: market legend or relic of the past?
Ingosstrakh - one of the oldest insurance companies in Russia, founded back in 1947. Initially, it specialized in property and vehicle insurance for state-owned enterprises, but today it also offers services to private clients.
Unlike AutoNS Plus, Ingosstrakh has a wider range of services:
- 🚘 Car insurance (OSAGO, CASCO, DSAGO);
- 🏠 Real estate insurance;
- 💼 Corporate insurance;
- 🛂 Medical and travel insurance.
The company has an extensive network of offices throughout Russia, which simplifies the issuance of policies in the regions. However, Ingosstrakh there are also disadvantages: some clients complain about lengthy processing of insurance claims and bureaucracy during payments. In addition, CASCO rates here are often higher than those of competitors.
On the other hand, Ingosstrakh offers unique loyalty programs for regular customers, as well as discounts for comprehensive insurance (for example, OSAGO + CASCO + life insurance).
If you often travel abroad, pay attention to the Green Card program from Ingosstrakh - it covers insurance cases in 48 countries.
Comparison of AutoNS Plus and Ingosstrakh: which is better for the car owner?
To understand which company is right for you, let’s compare them based on key parameters:
| Criterion | AutoNS Plus | Ingosstrakh |
|---|---|---|
| Year founded | 2015 | 1947 |
| Specialization | Auto insurance only | Wide range of services (auto, property, life) |
| Online registration | Yes, through the website and mobile application | Yes, but with restrictions for some regions |
| Payout speed | Medium (5–14 days) | Longer (7–20 days) |
| Loyalty to newcomers | High tariffs for drivers with <3 years of experience | Flexible programs for young drivers |
If you need fast registration of compulsory motor liability insurance without unnecessary formalities, AutoNS Plus may be the best choice. And if it's important reliability and wide package of services (for example, home + car insurance), then it is worth considering Ingosstrakh.
For new cars (up to 3 years), CASCO in Ingosstrakh is often cheaper than in AutoNS Plus, due to partnership programs with dealers.
How to apply for an OSAGO or CASCO policy online: step-by-step instructions
You can obtain insurance from both companies through their official websites. Let's look at the process using an example AutoNS Plus:
- Go to the site autons-plus.ru and select the type of policy (MTPL/CASCO).
- Fill in the details about the car:
- 📋 Brand, model, year of manufacture;
- 🔢 License plate and VIN;
- 👤 Owner's details (passport, driver's license).
B Ingosstrakh the process is similar, but at the payment stage you may need to confirm your identity via Public services or SMS.
The VIN number of the car is correct|The passport and license details match|The correct region of registration has been selected|The amount of the insurance premium has been checked (without hidden fees)-->
⚠️ Attention! If you are registering CASCO, be sure to check whether the policy covers water hammer and hail damage — these risks are often excluded from the basic package.
Cost of insurance: how much does MTPL and CASCO cost in 2026?
The price of the policy depends on many factors: region, driver experience, vehicle power and insurance claims history. Here are the average tariffs for Moscow for 2026:
| Type of insurance | AutoNS Plus (RUB) | Ingosstrakh (RUB) |
|---|---|---|
| OSAGO (passenger car, 100 hp) | 5 800 – 7 200 | 6 100 – 7 500 |
| CASCO (new car, full coverage) | 45 000 – 60 000 | 40 000 – 55 000 |
| DSAGO (limit 500 thousand rubles) | 2 500 – 3 800 | 2 800 – 4 000 |
To calculate the exact cost, use online calculators on company websites. For example, in AutoNS Plus you can get a discount up to 15% when registering through the mobile application.
⚠️ Attention! If you're buying a used car, be sure to check its history through services like Autocode or CarVertical. Some insurance companies (including Ingosstrakh) they refuse CASCO for cars with unlifted encumbrance or problems in PTS.
Customer reviews: pros and cons of both companies
To form an objective opinion, let’s analyze reviews from car owners on sites like Yandex.Maps, Banki.ru and Review.
AutoNS Plus:
- ✅ Quick online registration;
- ✅ Transparent conditions for MTPL;
- ❌ Long-term checks in case of insurance cases (especially under CASCO);
- ❌ High tariffs for young drivers.
Ingosstrakh:
- ✅ Wide selection of programs;
- ✅ Loyalty to clients with extensive experience;
- ❌ Bureaucracy during payments;
- ❌ Not always an adequate assessment of damage.
Many clients note that AutoNS Plus better suited for OSAGO, and Ingosstrakh - for CASCO for new cars. However, the final choice depends on your priorities: speed, price or reliability.
Real case from practice
In 2023, an Ingosstrakh client submitted an application for payment under CASCO after an accident. The company delayed the review by 3 weeks, citing “additional verification.” As a result, the payment was only 70% of the declared amount due to “wear and tear of parts.” The client had to go to court to receive full compensation.
Common mistakes when choosing an insurance company
Many car owners make the same mistakes, which later turn into problems. Here are the most common:
- Choice only by price. A cheap policy may mean minimal coverage or difficulty paying out.
- Ignoring the franchise. CASCO often indicates a deductible (for example, 10–20 thousand rubles), which you will have to pay yourself.
- Unverified data. An error in the VIN or license plate number may result in an insurance claim being denied.
- Failure to read the contract. There may be exclusions in the fine print (for example, “damage caused by parking is not covered”).
⚠️ Attention! If you are registering electronic insurance policy, make sure it is included in the database RSA (Russian Union of Auto Insurers). Without this, the document may be declared invalid.
It is also worth remembering that some insurance companies (including Ingosstrakh) can refuse payment, if:
- 🚗 The car was intoxicated;
- 🔧 The repair was not carried out by a certified service;
- 📄 All necessary documents were not provided (traffic police report, certificate of accident).
FAQ: Answers to popular questions
Is it possible to apply for compulsory motor liability insurance in AutoNS Plus if the car is registered in another region?
Yes, AutoNS Plus works with all regions of Russia, but tariffs may vary. For example, for Moscow and St. Petersburg the cost of compulsory motor liability insurance is higher than for regions with a low accident rate (for example, the Pskov or Kostroma region).
How long does it take to pay out CASCO insurance at Ingosstrakh?
According to internal regulations, Ingosstrakh must consider the application within 10 working days. However, in practice, this period often extends to 14–20 days, especially if additional examination is required.
What to do if the insurance company delays payment?
First write claim addressed to the head of the regional office. If you have not received a response within 10 days, please contact Central Bank (via portal www.cbr.ru) or to court. You can also complain to RSA or Consumer Protection Society.
Is it possible to return money for an unused CASCO policy?
Yes, but with a deduction of part of the cost for the “actual time of insurance”. For example, if you terminate the contract after 3 months out of 12, the company will return about 60-70% of the amount paid. The exact conditions are specified in the contract.
Which company is better for young drivers (less than 3 years of experience)?
Ingosstrakh often offers more favorable conditions for beginners than AutoNS Plus. For example, here you can apply for compulsory motor liability insurance with a coefficient KVS=1.7 (instead of standard 1.8), if you undergo special training at a partner driving school.