Asko-Strakhovanie

What Asko-Strakhovanie does

АСКО (ПАО «АСКО») is a publicly listed Russian insurance group headquartered in Chelyabinsk, operating primarily across the Chelyabinsk and Kurgan oblasts with 35+ physical offices and an integrated network of 9+ wholly-owned subsidiaries. The group generates revenue through three channels: direct insurance premiums underwritten by the parent (АО «АСКО»), agency commissions earned by subsidiary agencies that distribute partner-carrier products (SOGAZ, Renaissance, GSK Yugoria, etc.), and B2B services including claims settlement (Navigator), accident commissioner services (Avtopartner-74), property valuation and legal services (Anex, Troyka), and a medical clinic (АСКО-Здоровье). The company sells a diversified product portfolio spanning auto insurance (КАСКО, ОСАГО, «Легкое КАСКО», «Помощь»), property insurance (apartments, houses, mortgage), health and life coverage (Антиклещ tick-bite, voluntary health insurance, critical illness, athletes, accidents), and emerging-risk products (the new «Антидрон» anti-drone program). Distribution is multi-channel: owned offices, agency subsidiaries, a 24/7 toll-free hotline (8-800-2222-734), an online sales portal, and direct partnership distribution. The underlying technology stack is a conventional insurance operations platform with online policy issuance, claims management, and an ISO 31000-aligned risk management portal (iso31000.ru); no AI/ML capabilities are disclosed. The company has historical roots claimed to 1892, has undergone multiple reorganizations (most recently renamed from ПАО «АСКО-Страхование» to ПАО «АСКО» in 2022), and is subject to Bank of Russia disclosure requirements that were partially modified in 2024 when the issuer was exempted from securities-market disclosure obligations and its securities were excluded from the trading list. Pricing is annual subscription across all major product lines, with entry-level products as low as 220 rubles (Антиклещ) and 1,000 rubles (Антидрон), and mid-tier comprehensive КАСКО starting at 13,990 rubles.

Name

Asko-Strakhovanie

Legal name

Акционерное общество «АСКО» (АО «АСКО»)

Website

https://acko.ru

Company type

Public

Founded year

1892

Operating status

Operating

Headcount range

501–1,000 employees

Short description

АСКО (ПАО «АСКО») is a publicly listed Russian insurance group headquartered in Chelyabinsk, operating 35+ offices across the Chelyabinsk and Kurgan oblasts. It underwrites and distributes auto, property, health, and emerging-risk insurance through owned offices, agency subsidiaries, partner carriers (SOGAZ, Renaissance, GSK Yugoria), and a 24/7 hotline.

Ownership category

akta.pro rank

Product category

Regional Insurance Services

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114), Agencies, Brokerages, and Other Insurance Related Activities (5242), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Eligibility, Coverage Verification & Policy Administration Support (BPAAAFAC)

Keywords

• Regional insurance services
• Auto insurance products
• Property insurance coverage
• Health and life insurance
• Risk management consulting

Headquarters

HQ city

Chelyabinsk

HQ country

Russia

HQ region

Europe

Offices37 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Direct Insurance Premiums: The parent company АО «АСКО» operates as the core insurance company generating revenue through insurance premiums from policyholders across auto (КАСКО, ОСАГО), property (apartments, houses), health (tick bites, athletes, critical illness), and specialized programs (Antidron, Pomoshch)
2. Agency Commission Revenue: Subsidiary companies (ООО «АСКО-ЧЕЛЯБИНСК», ООО «АСКО – ЮЖНЫЙ УРАЛ», ООО «АСКО-КУРГАН») earn commissions by selling insurance products of partner insurance companies
3. B2B Services Revenue: Risk management consulting services for corporate clients, claims settlement services for partner insurers, legal services, and medical clinic services (ООО «АСКО-Здоровье»)

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Asko-Strakhovanie (АО «АСКО») is a regional Russian insurance company that underwrites and distributes a diversified portfolio of insurance products — auto (ОСАГО, КАСКО including «Легкое КАСКО»), property (apartments, houses, mortgage), health and life (tick bite Антиклещ, voluntary health insurance, critical illness, athlete, accident), and specialized emerging-risk coverage (Антидрон for drone/terrorism/military damage, Помощь for uninsured motorists). The group also delivers B2B services including claims settlement (Navigator), accident commissioner dispatch (Avtopartner-74), property valuation and legal services (Anex), and risk management consulting (iso31000.ru). Distribution combines 35+ branch offices, agency subsidiaries, online sales, and a 24/7 hotline across the Chelyabinsk and Kurgan oblasts.

Product overview

АСКО is a diversified Russian insurance group offering a comprehensive portfolio of insurance products. The core offering centers on vehicle insurance (КАСКО and ОСАГО) with multiple product variants including 'Легкое КАСКО' for budget-conscious customers and the 'Помощь' program for protection against uninsured drivers. Property insurance includes apartment, house/rural property, and mortgage coverage. Health offerings encompass tick-bite insurance (Антиклещ), voluntary health insurance (ДМС), critical illness coverage, and accident insurance including specialized athlete coverage. The 'Антидрон' program, offered through partner АО «ГСК «Югория», addresses emerging drone-related risks. The group also provides risk management consulting services. All products are sold through an extensive network of regional offices across Chelyabinsk and Kurgan oblasts.

Differentiator

Problem solved

Functional benefit

Brands

• Легкое КАСКО: Affordable KASKO auto insurance product offered from 13,990 rubles
• Антиклещ
• Антидрон
• Помощь
• АНТИКЛЕЩ-Ю

Products and services

• КАСКО (Comprehensive Auto Insurance), including «Легкое КАСКО» and «Классик» variants Vehicle insurance covering damage, theft, and total loss, offered in multiple variants: «Легкое КАСКО» (Light) from 13,990 ₽ per year for budget-conscious buyers, «Классик» (Classic), and the «Помощь» add-on. Targeted at private vehicle owners in the Chelyabinsk and Kurgan regions.
• ОСАГО (Mandatory Third-Party Liability Auto Insurance) Mandatory civil liability insurance for vehicle owners required by Russian law, covering damages to third parties in road accidents. Sold to private vehicle owners through offices, hotline, and online.
• Антиклещ (Tick Bite Insurance) Tick bite insurance providing medical coverage and assistance starting from 220 ₽ online. Covers treatment costs and medical institution visits for tick-borne diseases. Targeted at individuals in tick-endemic regions seeking seasonal health protection.
• Страхование квартир (Apartment Insurance) Apartment insurance covering property damage, fires, water damage, theft, and other risks to residential apartments. Targeted at urban residential property owners.
• Страхование загородной недвижимости (House/Country Property Insurance) Rural and suburban property insurance covering country houses, dachas, and associated structures against various risks including fire, theft, and natural disasters. Targeted at owners of suburban and rural residential properties.
• Страхование ипотеки (Mortgage Insurance) Mortgage insurance protecting borrowers' property and life in case of death, disability, or property damage during the loan period. Targeted at mortgage borrowers required by lenders to maintain coverage.
• Добровольное медицинское страхование (ДМС) — Voluntary Health Insurance Voluntary health insurance providing access to medical services, outpatient and inpatient care through partner medical institutions. Targeted at individuals and employers seeking supplementary medical coverage.
• Страхование на случай критических заболеваний (Critical Illness Insurance) Critical illness insurance covering oncology, cardiac surgery, neurosurgery, and organ/bone marrow transplantation. Includes second-opinion services from leading Russian oncologists and customer care. Offered via partners СОГАЗ and РЕНЕССАНС Страхование. Base oncology program from СОГАЗ approximately 6,000 ₽ with up to 5 million ₽ coverage sum. Launched September 2025.
• Страхование жизни и здоровья (Life and Health Insurance) including accident and children coverage Life and health insurance including accident insurance, children's accident coverage, and personal injury protection with medical and financial benefits. Targeted at individuals and families.
• Страхование спортсменов (Athlete Insurance) Specialized insurance for athletes covering training and competition activities with medical and injury protection. Targeted at professional and amateur athletes and sports organizations.
• Программа «Помощь» (Uninsured Motorist Protection Program with Mutual-Fault Extension) Driver assistance program protecting against uninsured motorists. Provides compensation up to 400,000 ₽ based on ОСАГО standards without requiring court action against the at-fault party. 2,290 ₽ in large cities (includes accident commissioner dispatch); 2,000 ₽ in small cities (without commissioner). Updated March 2026 to also cover mutual-fault road accidents. Targeted at vehicle owners seeking protection beyond mandatory ОСАГО.
• Программа «Антидрон» (Anti-Drone / Emerging Risk Insurance Program) Specialized insurance against drone-related damages, terrorism, and military actions. Offered by partner АО «ГСК «Югория»». 1 million ₽ coverage for 1,000 ₽ annual premium. Can be purchased separately or as an addition to existing property insurance. Protects against falling UAVs, terrorist acts, and war-related damages typically excluded from standard property policies. Launched March 2026. Targeted at property owners in regions with emerging drone and conflict-related risks.
• Риск-менеджмент (Risk Management Consulting Services) Risk management consulting services for businesses, helping organizations identify, assess, and mitigate operational and strategic risks, aligned with ISO 31000 standards via the iso31000.ru portal. Targeted at corporate clients needing structured risk advisory.

Quantifiable outcome

• Antidron program provides 1 million ₽ coverage for 1,000 ₽ annual premium
• +2 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core.

• АО «ГСК «Югория»coreStrategic or Co-development Partner · 31 March 2026Югория (part of the Russian insurance market) developed the specialized Antidron insurance product addressing risks from drones, terrorism, and military actions. АСКО distributes this product through its regional network as these risks are typically excluded from standard property insurance policies.
• СОГАЗcoreStrategic or Co-development PartnerСОГАЗ is the partner insurance company for critical illness coverage including oncology programs. Base oncology program costs approximately 6,000 ₽ with 5 million ₽ coverage sum. The partnership enables АСКО to offer comprehensive health insurance solutions beyond its own product range.
• РЕНЕССАНС СтрахованиеcoreStrategic or Co-development PartnerРЕНЕССАНС provides multi-risk critical illness insurance programs covering oncology, cardiac surgery, neurosurgery, and organ transplantation for insured persons under 65 years. АСКО offers these products through its sales network as part of comprehensive health coverage solutions.
• ООО «Навигатор» (Navigator)coreTechnology or IntegrationNavigator is a subsidiary performing claims settlement, anti-fraud investigation, and legal defense under contracts with partner insurance companies. This subsidiary enables АСКО group to provide integrated B2B services alongside insurance distribution.
• ООО «Анэкс» (Anex)coreImplementation/ SI/ Consulting PartnerAnex provides property valuation (movable and real estate), legal assistance, and IT services supporting the insurance operations of the group.
• ООО «Автопартнер-74» (Avtopartner-74)coreImplementation/ SI/ Consulting PartnerAvtopartner-74 operates as an accident commissioner service providing comprehensive traffic accident documentation services for insurance claims processing.

Scale indicators3 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• АльфаСтрахование (AlfaStrakhovanie): Top-5 Russian multi-line insurer offering auto, property, health and life products including critical illness. Comparable on product breadth and digital/branch distribution hybrid.
• Росгосстрах (Rosgosstrakh): Largest Russian insurer by historical premium volume with deep regional penetration across the Urals. Competes on the same auto, property and personal lines as ASKО and dwarfs it in scale and brand.
• Ингосстрах (Ingosstrakh): Major Russian P&C and life insurer with nationwide branch network and strong auto insurance franchise. Competes with ASKО directly on ОСАГО/КАСКО in Chelyabinsk and Kurgan and offers broader geographic reach.
• РЕСО-Гарантия (RESO-Garantia): Large Russian P&C and health insurer with a strong agency/broker channel — closely comparable to ASKО's agency-subsidiary distribution model and product mix.
• ВСК (VSK): Major Russian multi-line insurer with significant regional presence in the Urals and product breadth overlapping ASKО's auto, property and health lines.
• МАКС (MAKS): Russian multi-line insurer offering auto, property, health and life products with regional branch presence — comparable mid-size competitor for ASKО's customer segments.
• Ренессанс Страхование (Renaissance Insurance): Mid-to-large Russian multi-line insurer offering P&C and health, including critical illness programs that ASKО distributes. Comparable on product mix and multi-channel distribution model.
• СОГАЗ (SOGAZ): One of Russia's largest insurance groups offering P&C, life and health coverages, including critical illness programs. Direct peer because ASKО distributes СОГАЗ-issued critical illness products while also competing in auto/property in the same regions.

Regional players

• Энергогарант (Energogarant): Russian insurer historically concentrated outside the Moscow region with P&C and corporate focus — comparable as a non-Moscow-centric, branch-driven regional insurance peer.

Direct peers

• АО «ГСК «Югория»: Russian regional insurance group that underwrites the Antidron drone/war/terrorism product distributed by ASKО. Comparable in scale, regional orientation and product breadth to ASKО, and an active partner.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Asko-Strakhovanie