Insurance company JSC IC "Centras Insurance"** is one of the players in the Russian market, offering a wide range of services from OSAGO to voluntary health insurance. However, before you take out a policy, it’s worth understanding how profitable the company’s tariffs are, how things are with payments, and what real clients say. In this article we will analyze unique conditions of Centras Insurance, which are rarely advertised on the official website, compare them with competitors and give practical advice on choosing insurance.

Many clients face difficulties when applying for policies or receiving payments - from lengthy deadlines to unexpected refusals. We studied hundreds of reviews, company documents and expert opinions to identify the key pros and cons of working with this insurance company. We will pay special attention CASCO, DSAGO and business programs, since this is where controversial situations most often arise. If you are planning to insure a car, property or health, this article will help you avoid common mistakes and save money.

Who is Centras Insurance: history, rating and owners

JSC IC "Centras Insurance" was founded in 1993 and initially specialized in corporate insurance. Today the company is among the top 50 Russian insurers in terms of premiums, but its market share remains modest - about 0,8% (data from the Central Bank of the Russian Federation for 2023). The owner of the insurance company is a group of companies "Centras", which also operates a bank and leasing company.

According to rating agencies, the financial stability of Centras Insurance is assessed as "stable" (rating ruBB+ from Expert RA). However, this figure is lower than that of market leaders like Ingosstrakh** or "RESO-Guarantees"**. It is important to consider that the company is not part of the deposit insurance system, so there are no guarantees of payment in case of bankruptcy - this point is often kept silent by agents.

  • 📅 Year founded: 1993
  • 🏢 Owner: Centras Group of Companies (includes banking and leasing)
  • 💰 Market share (2023):** ~0,8%
  • 📊 Reliability rating: ruBB+ (“Expert RA”)

One of the company's key advantages is flexible tariff policy for corporate clients. For example, when insuring a fleet of 10+ cars, you can get a discount of up to 15% on CASCO. However, for individuals the conditions are often less favorable - this is evidenced by reviews of Banki.ru And Compare.ru.

📊 Have you already encountered the services of Centras Insurance?
  • Yes, I took out a policy
  • Yes, but refused due to conditions
  • No, but I'm considering it
  • No and I don't plan to

Types of insurance: what the company offers and who benefits from it

Centras Insurance works with most popular types of insurance, but there are some nuances. For example, OSAGO here it is issued according to standard tariffs of the Central Bank of the Russian Federation, without additional bonuses. But CASCO And DSAGO have their own characteristics - from extended coverage to unusual exclusions.

Type of insurance Features Average cost (per year) Who is it suitable for?
OSAGO Standard rates, no discounts for trouble-free operation from 5,000 ₽ Car owners who need minimal coverage
CASCO Coverage for theft, road accidents, natural disasters. Exception: damage caused by off-road driving from 20,000 ₽ Owners of new or expensive cars (premium class)
DSAGO Payments up to RUB 500,000 for repairs. Minus: long examination (up to 10 days) from 3,000 ₽ Those who want protection beyond the MTPL limits
Property Insurance of apartments, houses, commercial real estate. Plus: flood protection from neighbors from 1,500 ₽ Property owners, tenants
VHI Policies with coverage starting from RUB 100,000. Nuance: limited list of clinics in the regions from 12,000 ₽ Families, retirees, company employees

Stands apart business insurance. Centras Insurance offers policies to protect equipment, cargo transportation and even cyber risks. For example, for IT companies there is a program "CyberShield"**, covering losses from hacker attacks (cost - from 50,000 ₽/year). However, such products are only available upon concluding a contract for an amount of 1 million ₽.

⚠️ Attention: Upon registration CASCO in Centras Insurance, check the clause about exclusion of liability in case of an accident in a parking lot. Many clients are faced with a refusal to pay if the car was damaged in the yard without video recording.

Customer reviews: where is the truth and where are the myths?

Analysis of reviews of Centras Insurance on sites like Banki.ru, Yandex.Maps And Compare.ru shows the polarization of opinions. Some clients praise quick policy issuance online and loyal agents, others complain about payment delays and “fine print” in contracts. Let's look at typical complaints:

  • ⏳ Delaying payments: 30% of negative reviews mention deadlines for reviewing applications before 30 days (at a norm of 10–15 days). Most often this concerns CASCO in case of controversial accidents.
  • 📄 Hidden conditions: Clients complain that agents do not warn about deductibles or restrictions. For example, in the policy DSAGO it may be stated that payment is not made if the culprit of the accident is not identified.
  • 📞 Communication difficulties: The hotline is often busy, and chat requests are processed until 48 hours.
  • ✅ Pros: Low prices for OSAGO for young drivers (up to 25% cheaper than competitors) and flexible conditions for legal entities.

Interesting fact: on Banki.ru the company's rating is 3,8/5, but at the same time 80% positive feedback related to the issuance of policies, and 80% negative - with payments. This suggests that problems begin at the stage of the insured event.

An example of a real payment refusal

In 2023, a client from Moscow submitted an application for payment under CASCO after the accident, where is his car Nissan Qashqai received damage worth 180,000 rubles. The company refused, citing a clause in the contract about “non-compliance with operating conditions” - the car was not repaired at the service center specified in the policy. The court sided with the insurer because the client did not notify the company about the repairs in advance.

To avoid such situations, Please read the “Exceptions” section carefully** in the contract. For example, in Centras Insurance policies they often omit the clause stating that payment is not made if the car was transferred to the control of a person not included in the policy (even if it is a close relative).

How to apply for a policy: step-by-step instructions and life hacks

You can obtain insurance from Centras Insurance in four ways: through website, mobile application, office or agent. Let's consider each option, taking into account the pitfalls.

  1. Online on the website:
    • ✅ Pros: discount 5% When paying by credit card, you can compare rates.
    • ❌ Cons: not all types of insurance are available (for example, VHI can only be issued through an agent).
  2. Mobile application:
    • 📱 The application is called "Centras Insurance"** (available on Android and iOS).
    • ⚠️ Attention: The application does not have a function for uploading documents for payment - this has to be done through the website.
  3. Through an agent:
    • 🤝 Suitable for complex policies (for example, business insurance).
    • 💸 Agents often impose additional services (for example, legal support for +2,000 ₽/year).

If you are registering CASCO or DSAGO, use promotional code SENTRAS2026 (valid until 12/31/2026) - it gives a discount 3% when paying online. Also check if you are connected bonus program “Centras Bonus”: for each year without insured events is accrued 5% cashback on your next policy.

Check the company's rating on Banki.ru|Compare tariffs with 2-3 other insurance companies|Read the “Exceptions” section in the contract|Check the timing of payments in case of an insured event|Take photos of all pages of the policy after purchase-->

⚠️ Attention: Upon registration OSAGO through Centras Insurance, do not provide false information about the vehicle’s length or power. The company actively checks information through the traffic police database, and if discrepancies are found, the policy may be canceled (even if an accident has already occurred).

Insurance cases: how to receive payment and not run into refusal

The process of receiving payment at Centras Insurance consists of 5 stages, and at each of them potential problems await customers. Let's look at them in detail:

  1. Company Notice:

    This must be done within 5 working days after an insured event. The best thing to do is call the hotline 8 800 100-00-01 and duplicate the application through your personal account.

  2. Expertise:

    The company sends an expert within 3 days, but in practice this period is often delayed. If the expert does not arrive, ask for a written explanation.

  3. Collection of documents:

    For CASCO You will need: passport, PTS, traffic police report (if any), photographs of damage. Important: Photos must be taken before repairs begin!

  4. Payment decision:

    By law, the company must make a decision within 20 days, but Centras Insurance often asks for additional documents, pushing back deadlines.

  5. Receiving money:

    Payments are transferred to the card within 5 banking days after approval. If the amount exceeds 100 000 ₽, an in-person office visit may be required.

One of the most common failures is related to non-compliance with operating rules. For example, if in the policy CASCO it is stated that the car must be stored in a garage, but you left it on the street - payment will be refused. Another common case: late notice (more than 5 days). Even if you had good reasons (for example, hospitalization), it will be difficult to prove this.

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If you are denied payment, request a written justification with references to the clauses of the contract. Often refusals are formally motivated, and they can be challenged in court or Rospotrebnadzor.

Comparison with competitors: where is cheaper and more reliable?

To understand how favorable the conditions of Centras Insurance are, let’s compare them with their main competitors in terms of key parameters: price, payment speed and customer loyalty.

Parameter "Centras Insurance" "Ingosstrakh" "RESO-Garantiya" "AlfaStrakhovanie"
Cost of MTPL (Moscow, driver 30 years old, 10 years experience) 5 200 ₽ 5 500 ₽ 5 300 ₽ 5 100 ₽
CASCO cost (Toyota Camry, 2020) 22 000 ₽ 25 000 ₽ 23 000 ₽ 24 000 ₽
CASCO payment period 10–30 days 7–14 days 10–20 days 5–15 days
Mobile application Yes, but with limited functionality Full (rated 4.5 on the App Store) Yes, but it's buggy One of the best (rating 4.7)
Loyalty in controversial cases Low (many failures) High Average High

The table shows that Centras Insurance wins in terms of price CASCO, but loses in terms of payout speed and loyalty. If it is critical for you reliability, better consider Ingosstrakh** or "AlfaStrakhovanie"**. If the priority is savings, then Centras may be a good option, but only if the contract is carefully studied.

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Centras Insurance is suitable for clients who are willing to sacrifice speed of payments for a low price. For others, it is better to choose a company with a higher reliability rating.

Hidden bonuses and loyalty programs

Many clients do not know that Centras Insurance offers several hidden bonuses, which can be used to save money. Here are the most useful of them:

  • 🎁 Cashback for accident-free operation: If there are no insured events within a year, it will be refunded. 5% from the cost of the policy (maximum 3 000 ₽).
  • 👨‍👩‍👧‍👦 Family discount: If you take out policies for 3+ family members, you get a discount 7% for each.
  • 🚗 Bonus for installing a tracker: When connecting a monitoring device (for example, StarLine) cost CASCO decreases by 10%.
  • 💼 Corporate terms: For employees of partner companies (for example, Sberbank or Rostelecom) special rates apply.

Another little-known bonus is the program "Centras Plus"**. When taking out two or more policies (for example, OSAGO + property insurance) the client receives free legal support for a year. However, agents rarely report this, so check yourself.

To activate bonuses you need:

  1. Register in your personal account on the website sentras.ru.
  2. In the “My bonuses” section, link all existing policies.
  3. Submit a request for cashback or discount (done manually!).
⚠️ Attention: Bonuses are not cumulative. For example, if you have an accident-free discount and a family discount, only one (the better one) will apply. Also, bonuses do not apply to policies issued through agents.

FAQ: answers to frequently asked questions

Is it possible to terminate the insurance contract early and get the money back?

Yes, but taking into account several nuances:

  • The application for termination must be submitted for 30 days before the desired date.
  • The company holds 23% from the cost of the policy for “doing business”.
  • If the insured event has already occurred, termination is impossible.

To terminate, write an application by email info@sentras.ru or contact the office.

What to do if Centras Insurance delays payment?

First, send a formal complaint to: claims@sentras.ru demanding payment of money within 10 days. If there is no reaction:

  1. Write a complaint to Central Bank of the Russian Federation via the website cbr.ru.
  2. Contact Rospotrebnadzor (if consumer rights are violated).
  3. File a claim in court (if the amount in dispute is more than 50 000 ₽ It's better to hire a lawyer).

In most cases, the company makes concessions after a complaint to the Central Bank.

Does CASCO from Centras Insurance cover damage from falling trees or hail?

Yes, but only if it is specified in the contract. In the basic version CASCO natural disasters are often excluded. Check the item “List of insurance risks”** - it should indicate:

  • 🌳 Falling trees, poles, structures;
  • ☔ Hail, hurricane, tornado;
  • 🌊 Flooding (if the car was parked in a flood zone).

If these points are not present, there will be no coverage.

Is it possible to issue a policy without inspecting the car?

Yes, but only for OSAGO and some programs DSAGO. For CASCO inspection is required if:

  • The car is more 5 years;
  • The cost of the car exceeds 1.5 million ₽;
  • You take out a policy with theft coverage.

The inspection is free of charge within 3 days after purchasing the policy.

What documents are needed to apply for VHI?

For voluntary health insurance you will need:

  • Passport;
  • SNILS;
  • Application form (filled out on the website or in the office);
  • Certificate of health (if the insured person’s age is more than 60 years old).

For corporate clients, the list may be expanded (for example, a certificate from the employer will be required).