Bip.ru

What Bip.ru does

Bip.ru operates a Russian online insurance marketplace that aggregates motor insurance products from multiple licensed insurers for direct-to-consumer purchase. The platform enables drivers to compare prices from 20 OSAGO (mandatory third-party liability) insurers and 16 KASKO (voluntary comprehensive) insurers after entering a vehicle registration number; the policy is then purchased directly on the participating insurer's website. The service is provided free of charge to end consumers, and revenue is generated through commissions paid by insurers on completed sales (marketplace/affiliate model).

The platform is built on integrations with government and industry databases — specifically the Russian Union of Insurers (RSA/NSIS) for policy verification and bonus-malus coefficient (KBM) checks, and traffic police (GIBDD) databases for vehicle history, fines, and registration status. These integrations auto-populate vehicle and driver data from a license plate, eliminating manual data entry. Beyond core OSAGO and KASKO comparison, the product surface includes traffic-fine checking and payment, vehicle history reports (accidents, mileage, theft, liens, taxi use), vehicle valuation, toll-road debt settlement, and a vehicle/PTS-secured loan referral product. The service is delivered through a web platform and native mobile apps on iOS, Android, Huawei AppGallery, and the Russian RuStore.

The company is incorporated as ООО «БИП.РУ» (BIP.RU LLC) in Moscow, Russia (ОГРН 1227700720576, incorporation year 2022), with General Director Aleksey Konstantinovich Kuprin. The platform claims more than 3 million drivers have purchased OSAGO through bip.ru and operates 100+ city-specific landing pages covering Russian federal subjects. Go-to-market is product-led and content-led: a 200+ article editorial journal covering OSAGO, KASKO, traffic fines, and vehicle checks drives organic SEO acquisition, with policies purchased fully online without agents or office visits. The company is privately held with no disclosed external funding, parent company, or shareholder transactions.

Name

Bip.ru

Legal name

ООО «БИП.РУ»

Website

https://bip.ru

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Bip.ru is a Russian online insurance aggregator enabling drivers to compare OSAGO and KASKO quotes from 20 and 16 licensed insurers respectively, with policies purchased online free of charge to consumers and revenue earned via insurer commissions.

Ownership category

akta.pro rank

Product category

Auto Insurance Comparison

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Pay-Per-Mile Personal Auto Insurance (FSAJAAAC)

akta.pro secondary industry

GAP & Vehicle Protection Products (GAP Waiver/Insurance, Lease/Loan Protection) (FSAJALAC)

Keywords

• Auto insurance comparison
• OSAGO aggregator
• KASKO comparison
• Traffic fine payment
• Vehicle history check

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Insurance company referral commissions: Bip.ru charges no fee to end customers. Revenue is generated through commissions paid by insurance companies for each policy sold through the platform. The platform directs customers to the insurer's website for payment processing.
2. Lead generation / traffic monetization: The platform monetizes high-intent traffic by directing users to insurance company websites where they complete policy purchases, earning a referral commission per completed sale.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Bip.ru operates an online insurance aggregator and marketplace for Russian drivers, comparing OSAGO (compulsory auto liability insurance) prices from 20 insurers and KASKO (voluntary comprehensive auto insurance) from 16 insurers. The platform pulls real-time vehicle data from government databases, lets users purchase policies directly through insurer websites, and offers ancillary services such as traffic fine checking/payment, vehicle history checks via GIBDD databases, KBM (bonus-malus coefficient) verification, vehicle valuation, toll road debt payment, and vehicle-secured loan referrals.

Product overview

Bip.ru is an online insurance marketplace and automotive services platform for Russian drivers. The core offering consists of an OSAGO comparison and purchase service (comparing prices from 20 insurance companies) and a CASCO comparison and purchase service (comparing from 16 insurers). These are supported by utility features including traffic fine checking/payment, KBM coefficient verification, vehicle history checks via traffic police databases (accidents, wanted status, registration restrictions, encumbrances, mileage), vehicle valuation, and toll road payment. The platform also offers financial products (loans secured by vehicle or PTS). Bip.ru is not an insurance company itself; it aggregates insurance offerings and facilitates direct purchases from licensed insurers. The service operates entirely online, with no commissions charged to customers, and provides a mobile application for iOS and Android.

Differentiator

Problem solved

Functional benefit

Products and services

• OSAGO Online (Compulsory Auto Liability Insurance) Online comparison and purchase service for OSAGO (ОСАГО), Russia's mandatory third-party liability auto insurance. Users enter a vehicle registration number, the platform automatically populates vehicle data from RSA/NSIS databases, and compares prices from 20 licensed Russian insurance companies. Consumers complete the purchase directly on the insurer's website; bip.ru charges no fee to the end user.
• KASKO Insurance (Voluntary Comprehensive Auto Insurance) Voluntary KASKO (КАСКО) comprehensive auto insurance comparison and online purchase service. The platform quotes prices from 16 Russian insurers in approximately 90 seconds by vehicle number, supporting Mini-KASKO, KASKO with franchise, and protection against uninsured motorists variants.
• Traffic Fine Checking and Payment (ГИБДД Штрафы) Service that lets Russian drivers check and pay outstanding traffic fines from traffic police (GIBDD) cameras. Fines can be looked up by vehicle registration number, driver's license, STS (vehicle registration certificate), or UIN (violation notice number), and paid online through the platform.
• Vehicle History Check (GIBDD Database) Vehicle verification service that queries GIBDD and related Russian government databases to check accident (DTP) history, wanted/stolen status, registration restrictions, taxi use history, encumbrances/liens, and odometer mileage for a vehicle identified by VIN or registration number.
• Vehicle-Secured Loans (Loans Against PTS) Referral service connecting Russian car owners with lenders offering loans secured by their vehicle or by the vehicle's PTS (passport). The platform directs users to partner lenders to complete the application.

Quantifiable outcome

• Over 3 million drivers have purchased OSAGO on bip.ru
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• РСА (Russian Union of Insurers)coreTechnology or IntegrationBip.ru integrates with the Russian Union of Insurers (RSA) database to verify policy authenticity and validity. All OSAGO policies sold through the platform are registered in the RSA database, ensuring genuine coverage.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Strahovka.ru: Russian online insurance comparison platform. Operates in the same insurance-aggregator niche as bip.ru, serving Russian consumers seeking OSAGO and KASKO quotes across multiple carriers.
• Banki.ru: Major Russian financial-product comparison platform covering insurance, banking, and lending products. Overlaps directly with bip.ru on insurance comparison (OSAGO/KASKO) and competes for the same Russian consumer traffic and insurer commission revenue.
• Sravni.ru: Russia's leading financial-services and insurance comparison marketplace. Sravni.ru directly competes with bip.ru on OSAGO, KASKO, and other insurance lines, and is the most analogous product, target customer (Russian consumers), and business model (commission-based aggregator).
• INGURU: Russian insurance and financial-services aggregator providing comparison across OSAGO, KASKO, and other policies. Directly comparable in target market, product, and aggregator business model to bip.ru.

Broad incumbents

• Tinkoff Insurance (Tinkoff Strakhovanie): Digital-first Russian insurer distributed primarily through Tinkoff Bank's mobile app. Competes with bip.ru by offering direct, frictionless OSAGO/KASKO purchase inside a banking super-app — a structural threat to standalone aggregators.
• Rosgosstrakh: Russia's largest traditional insurer, offering OSAGO and KASKO directly. As both a partner and a potential competitor, Rosgosstrakh represents the incumbent-channel threat bip.ru must navigate — and one of the carriers surfaced on bip.ru itself.
• AlfaStrakhovanie: Top-5 Russian insurer offering OSAGO, KASKO, and other lines through direct and partner channels. Partner of bip.ru on the comparison side, but also a potential disintermediator via Alfa-Bank's large captive distribution.
• Yandex (financial/auto services): Russia's dominant internet platform, with adjacent services including auto-related search, maps, and marketplace verticals. A potential competitive threat as a general-purpose comparison/discovery surface and a critical traffic and app-distribution channel for bip.ru.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pay-s

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Bip.ru