I-VTB-24: i-inshurensi ye-MTPL, iimali-mboleko kunye nobomi

"I-VTB 24 yomshuwalense" imelwe kwiimarike zesevisi zemali ukususela ngo-2000. Okwangoku, umbutho ufakwe kwiinkampani eziphezulu eziphezulu ze- inshurensi zemakethe. Imisebenzi yayo ijolise ekunikezeni iinkonzo ezifanelekileyo kwiindawo zoshishino lomshuwalense. Kwixesha lonke lobomi balo inkampani iye yavelisa inethiwekhi enkulu yesebe: amasebe angama-38 kulo lonke elaseRashiya.

Uhlobo oluphambili lwe-inshurensi ye-VTB-24

Intshuwalense ye-OSAGO yinto esemqoka yenkampani, eye yaqalisa ukusebenza ngo-2003. Kufuneka kuqatshelwe ukuba iMTPL iyimvumelwano yomshuwalense yinyanzeliso, apho wonke umnikazi wemoto kufuneka athenge kwaye ahambe esithuthi.

Ukubhaliswa kwesivumelwano kufuneka usebenze ngokwakho, ube nephawunti epheleleyo. Ngokomthetho okhoyo, ukubhaliswa kwekhontrakthi yomshuwalense oyifunayo: ipasipoti yakho, ipasipoti yesithuthi, ilayisenisi yokuqhuba, ikhadi lokuxilonga. Ngokusekelwe kumaxwebhu angenisiwe, ummeli wenkampani yomshuwalense uza kubalwa ukubalwa kwe- premium yomshuwalense kwaye azalise isivumelwano.

Ukususela ngo-2015, unokufumana isivumelwano se-inshurensi nge-intanethi. Ukwenza oku, kufuneka uhambe kwiwebhusayithi esemthethweni ye-VTB 24. Ininshurensi, ngenxa yemisebenzi ye-intanethi, ikhawuleza kwaye ilula. Ukubhalisa kubalulekile ukugcwalisa isicelo sekhompyutheni, ukubala i-premium yomshuwalense kunye nokuhlawula isivumelwano se-inshurensi.

Ifom ye-OSAGO ingagcinwa ngekhompyutha okanye ifakwe. Inzuzo enganakuphikiswa kwi-VTB 24 - i-inshurensi yakwa-OSAGO inokukhishwa ekhaya nangaliphi na ixesha.

Insurance Insurance

Ngokomthetho okhoyo, zonke iindawo zokuthengisa, ezithengwa ngexabiso leemali eziboleweyo, ziphantsi kwe-inshorensi. Ixabiso kunye nomngcipheko mngcipheko kuxhomekeke kwimveliso ekhethiweyo kwi-VTB 24. Inkorensi yomhlala-mboleko inokwenzeka ngeenkqubo ezimbini.

IiNtshumo:

1. Intshurensi epheleleyo: umlilo, i-gulf, izenzo ezingekho mthethweni zabanye abantu, iintlekele zemvelo, ukuqhuma kwegesi, isiteji sombane, ukuwa kwezinto ezindizayo, ubomi bomboleki kunye nokulahlekelwa kwamalungelo epropati.
2. Kuphela ekutshatyalaliswa ngokupheleleyo kwezinto ezakhiweyo.

Iingcali zenkampani zicebisa ukuba zikhethe uhlobo olupheleleyo lwe-inshurensi, oluya kudala ukukhuselwa ngokupheleleyo kwixesha lonke le mboleko.

Ukubhaliswa kwe-inshurensi yemboleko kwi-VTB 24

Inyhuwalense ye-Mortgage yinkqubo elula. Into yokuqala efunekayo yenziwe kukuba uqhagamshelane negatsha elisondeleyo kwenkampani yomshuwalense kwaye ubhale ingxelo. Kufuneka icacise ulwazi lomntu, idatha kwihostela yokubolekwa kwemali, ixesha lokubolekisa kunye nexabiso lepropati efunyenweyo. Umqeshwa wekhampani uya kwamkela isicelo, ngesiseko apho uya kubala kwaye amemezele uluhlu oluyimfuneko lwamaxwebhu.

Ixabiso lentengo ye-inshurensi imiselwe ngamnye kumthengi ngamnye kwaye kwiimeko ezininzi azidluli kwi-1.5% yexabiso lentengo.

Kwiimeko ezininzi, ipasipoti yomntu kunye nesivumelwano semali-mboleko kufuneka ukuba uzalise onke amaphepha. Emva kokuhambisa amaxwebhu, kuya kufuneka ukuba usayine isivumelwano kwaye uhlawule umrhumo. Inxalenye ebalulekileyo yephepha lebhizinisi yinkqubo yee-premiums zomshuwalense kwixesha lonke le-inshurensi. Kubalulekile ukuba kuqaphele ukuba isivumelwano silo lonke ixesha lokubonga. Ngokwe-shedyuli, kubalulekile ukuhlawula i-inshurensi yokubolekwa ngemali ngonyaka. I-VTB 24 inikeza ixabiso lentlawulo ephantsi kakhulu kunye nezantsi.

Ubomi kunye ne-inshorensi yempilo

Imveliso yomshuwalense efuna kakhulu, enika inkampani yomshuwalense VTB 24 - ubomi kunye ne-inshorensi yezempilo. Ndiyabulela kuye, unokufumana inkxaso yezimali enesiqinisekiso xa kwenzeka isiganeko esiqinisekisiwe okanye ukukhubazeka kwexeshana.

Ngokomgaqo-nkqubo we-inshorensi, unokufumana umvuzo ngenxa yengozi ukusuka:

• Inhlekelele yendalo;
• Izenzo ezingekho mthethweni zabanye abantu;
• Ingozi okanye ingozi;
• Umkhukula;
• Ubugqirha;
• Ngethuba udlala imidlalo;
• Ezinye izinto ezisongela ubomi kunye nempilo.

Ukubhaliswa kwekhontrakthi kuyimfuneko ukufaka isicelo kunye nepasipoti kummeleli we-inshorensi kwaye ukhethe inkqubo ephezulu ye-inshurensi efanelekileyo. Ungakulibali ukuba ubukhulu bentlawulo ye-inshorensi kuxhomekeke kwimali eqinisekisiwe kunye neengozi ezikhethiweyo.

Inkqubo yokubhalisa

Isivumelwano singagqitywa ixesha eli-1 ukuya kunyaka. Oku kukhethwa kubadlali abafuna imigaqo yomshuwalense kuphela kwimincintiswano noqeqesho lwesikhashana, oko kukuthi, ixesha elifutshane.

Inkqubo yokubhalisa iqalisa ngokugcwalisa isicelo se-inshorensi yobomi. I-VTB 24 inikezela abathengi bayo ukuba bazalise i-questionnaire, emele ibonakalise ulwazi oluthile kuphela, phawula inani elifunekayo le-inshorensi kwaye ukhethe umngcipheko we-inshorensi. Emva kokuba umphathi enze ukubala, umisa umgaqo-nkqubo kwaye uyamkela intlawulo. Musa ukulibala ukuba nayiphi isivumelwano se-inshurensi yokuzithandela isebenza kuphela ngosuku emva kokuhlawula.

Iinzuzo zeemveliso zomshuwalense

Ngokwezibalo, bonke abemi besibini bafaka i-inshurensi kwi-VTB 24. Ininshurensi isigqibo esifanelekileyo, esiya kubavumela ukuba bazikhusele kwiimeko ezingalindelekanga kwiimodareyitha kunye nokufumana uncedo olufanelekileyo lwezemali xa kwenzeka isiganeko.

Kulowo mthengi, inkampani ye-inshorensi ilungele ukunikela ngeenkonzo eziphezulu kuphela, kodwa kunye nemveliso enenzuzo kwixabiso elincinci nelixabiso.