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InsuranceLongreads

Insurance Searches for Growth Drivers

Russia's insurance market reached a record 4 trillion rubles in 2025, yet its share of GDP remains 3-5 times lower than in OECD countries.

Kirill Netkachev6 min read
AI: Scales with phantom weightAnalysis

OSAGO Between Market Forces and Social Function: Why Some Regions Subsidize Others

OSAGO in Russia is formally a unified system, but in practice some regions effectively foot the bill for accidents, fraud, and legal disputes in others. What causes this imbalance, and who ultimately pays for loss-making territories?

Yulia Ignatova6 min read
u4757561858_Minimalist_realistic_illustration_empty_sports_st_49426f17-eae3-46a6-bdb8-019dd8b486f8_3Analysis

Sports Without Guarantees

An analysis of Russia's sports insurance market: 300% growth from 2010 to 2025, the most popular sports for insurance coverage, policy costs, and prospects for mandatory insurance for competition participants.

Yulia Ignatova3 min read
u4757561858_Minimalist_3D_render_of_a_giant_intricate_gear_me_e8a81a6a-a7a1-47cb-9318-cead22e5ba18_2Analysis

Insurance Market: 2025 Results

Russia's insurance market grew 15–18% in 2025 to reach 2.7–2.8 trillion rubles. OSAGO reforms, digitalization, cyber insurance, and the industry's main challenge—declining customer trust. Analysis of key trends and forecasts.

Yulia Ignatova6 min read