Iintlobo Non-umgangatho inshorensi kwi Russian Federation

inshorensi yobomi, impilo, impahla iingozi ezahlukeneyo uza kungena ebomini bethu, uye abe yinxalenye yobomi bemihla ngemihla. Kweli nqaku siza kujongana iintlobo eziphambili inshorensi, uze ukhethe phakathi kwabo kakhulu ethile, engekho semgangathweni, iindidi ezingaqhelekanga.

Eyona eziphambili ze-inshorensi eRashiya

Okokuqala zonke izivumelwano inshorensi zahlulwe iintlobo-2:

• Kuyimfuneko. inshorensi olunjalo atsho umthetho nokunganaki neemfuno zalo kukhokelela izohlwayo esihambelanayo. Olu didi lubandakanya i-inshorensi MTPL zabakhweli, MLA.
• Voluntary. Imvumelwano inshorensi Kukuwe ngokucelwa ngummi.

Zeziphi iintlobo ze-inshorensi zikhona? Kwakhona ukuba umntu okanye iqela, ngokosuku phezu kwaso - isixa semali okanye ngonyaka. Xa inkcazelo, kukho imbuyekezo mali imali okulinganiswa (nayiphi na inxalenye yomonakalo ekuvunyelwene) kunye nenkqubo umngcipheko lokuqala (phakathi isixa ekuvunyelwene inshorensi zonke umonakalo uyahlawulwa).

Ngokutsho isahluko 48 Code Civil, iintlobo-inshorensi kwi Russian Federation zahlulwe zibe ziindidi ezi-4:

• impahla;
• siqu;
• uxanduva;
• ubungozi zoshishino;
• ekukhanyeni ngezinto eziqhubekayo zakutshanje ume ngaphandle nangakumbi kunye ezithile.

Ngokufutshane ingqalelo zonke iintlobo yokukhuluma.

inshorensi Property

iintlobo ezintathu inshorensi ekunokuthiwa kulo mqathango:

• impahla (kuquka izakhiwo zobunjineli inshorensi ngaphakathi kwigumbi ..);
• izithuthi (njengoko kwimeko kukutshatyalaliswa ngokupheleleyo kunye ukubonakala izilonda);
• impahla (ngexesha zokuhamba, ukothula, ukugcinwa).

inshorensi yomntu

Enye yeyona ixhaphakileyo inshorensi iindidi zeefayile, kwaye igcwaliswe Russian. Oku kubandakanya:

• inshorensi yobomi (wayi oku kuquka i-inshorensi yobomi lilonke);
• inshorensi iingozi (kukwenzakala, ukugula, ilahleko yelungu okanye ingxenye yomzimba, ukukhubazeka, ukufa);
• inshorensi yonyango (CMI - inyanzelekile, inshorensi ngokuzithandela medical - ngokuzithandela);
• inshorensi lolutsha;
• umhlala-inshorensi (imbuyekezo ifumaneka kuphela xa kwafika ixesha lokudla umhlala-phantsi) - esisinyanzelo kunye ngokuzithandela;
• inshorensi abakhweli of iintlobo ezahlukeneyo zezithuthi;
• inshorensi abasebenzi.

insurance liability

Olu didi sinzima kakhulu. Sibala eziliqela insurances ukuba luquka:

• yeTyala kuLuntu nawuphi na umonakalo kubantu besithathu;
• uxanduva umgangatho imveliso;
• Ubutyala ngokusilela ufezekisa izibophelelo ogwetyelweyo otyalwayo;
• profotvetstvennosti - ngokwenzakalisa umqeshwa kubaxumi, abathengi;
• yeTyala kuLuntu imibutho, amashishini, nto leyo imele i xihlovo landa ingozi;
• yeTyala kuLuntu ye abathwali ezahlukeneyo - ezidolophini, kaloliwe, ezothutho umoya namanzi, metro, njalo njalo.,.
• CTP.

inshorensi ishishini

Oku kuquka inshorensi:

• iziqinisekiso zemali;
• ilahleko okanye umonakalo kwipropati lweshishini;
• utyalo-mali;
• umngcipheko non-mali;
• deposit;
• credit angaphandle.

Insurance ubungozi ezingaqhelekanga

Okubangel 'umdla kukuba ngokwaneleyo, iintlobo ezingekho semgangathweni-inshorensi:

• Inshorensi umsebenzi wokwakha - uxanduva lomphuhlisi;
• zezolimo;
• ngamazwe (ukuba ufikelelo kwiikliniki zononophelo lwempilo ehlabathini, kwakunye abemi, ntonje amazwe);
• nemibutho yabasebenzi (inshorensi abantu ngakumbi xa lilonke);
• isihloko (esichengeni amalungelo obunini sisigqibo senkundla);
• ubungozi inshorensi enxulumene kutyalo-mali;
• ubungozi kwezopolitiko (impembelelo izinto ezinxulumene nomgaqo-nkqubo ethile karhulumente, zenza into).

Siphendu- amatyala ngabanye inshorensi ethile.

10 iintlobo angaqhelekanga inshorensi

Ethetha kule ndlela ihlabathi kweentlobo ezingezo-standard-inshorensi - jonga olu luhlu lehlabathi iindidi ongaqhelekanga oluqulunqwe yinkampani Dutch Hullberry Insurance:

1. ukukhula Insurance amaxabiso amafutha. Kuba 19,95 euro ungakwazi ukungena isivumelwano inshorensi elungiselela imbuyekezo ngeendleko ezongezelelweyo ngexesha ukukhula iindleko zepetroli ngaphezu kwe-15%.
2. Funa ukumbakraza ucango. Inshorensi nxamnye ukudideka uya kuxabisa malunga ne-18 Euro ngonyaka ngamnye. Emva kokuvela isiganeko oKhuselwe ngeInshorensi, ungafumana ukuya euro 100.
3. Exabileyo ikheshi. Ukususela euro 12 ukuya kuma-28 ngonyaka ngamnye uya kube uxabisa isivumelwano esinjalo kunye kwinkampani ye-inshorensi; Imbuyiselo - 75 euro.
4. Uthotho lokungaphumeleli iLotto. Ukuba umntu inshorensi iye yazuza izihlandlo 52 ilandelelana itikiti leloto unelishwa, uyakwazi ukufumana i 'intuthuzelo ibhaso "kwi-inshorensi yakhe - 2500 euro. Imvumelwano inshorensi iya kuba sibenze 12-28 euro.
5. Ukuqaliswa kwe "Umthetho". Imbuyekezo evela kwinkampani ye-inshorensi iya kuba euro 500 efanayo umgangatho kowethu 12-28 ngonyaka ngamnye.
6. entolongweni okungalungile. Imbuyekezo le meko krakra kakhulu kuya kufikelela euro 500. inshorensi yomngcipheko Ixabiso - 12-28 euro ngonyaka ngamnye.
7. Ukulahlwa esibingelelweni. Ukuba umtshakazi okanye nomyeni umntu inshorensi ngokothuka isimanga ihlwempu "hayi", ngoko ke akwazi ukubala kubungakanani euro 100 ukusuka kwinkampani yakhe inshorensi.
8. Ziwe phantsi kwenkululeko ngekhamera efihliwe. Abo ndingenjengenikuthandayo ukuba iqhawe ngokuzenzekelayo kakhulu le movie, unako ukugqiba isivumelwano (kwakhona 12-28 Euro ngonyaka), apho ungakwazi ukubala imbuyekezo ka-1000 euro.
9. umntwana yomnye umntu. Ukuba indoda sithembele ngokupheleleyo isiqingatha lam, yaye iimvavanyo DNA baqinisekisa wakhala kwakhe, amkele njengoko imbuyekezo kwi-inshorensi ze euro 500.
10. Ukuthwala abantu komhlaba. Uyamelana isiganeko engaqhelekanga elimangalisayo ziya kusebenza 5000 euro. Ngelo xesha omnye nemiqathango yesivumelwano - ubonelelo amaxwebhu afanelekileyo ezivela koogqirha kunye nemikhosi moya kunye nendawo.

Iintlobo Non-umgangatho inshorensi eRashiya

Ngoku makhe nisinga kudidi engaqhelekanga-inshorensi kwilizwe lethu;

• izilwanyana inshorensi. Friars Minor kungenziwa inshorensi nxamnye intshabalalo, ubusela, ukubulala. I-inshorensi kufuneka abe sempilweni entle kwaye ezibhaliswe nursery, babe ugonyo kweenyanga ezi-3 kwaye kweminyaka engama-12 - ikati, eli-9 ubudala - inja.
• Inshorensi zaseMelika mveliso. isivumelwano inshorensi noosomashishini abamoyikayo izenzo zolwaphulo-mthetho olwenziwa ngabasebenzi babo - uhlobo lwe inshorensi non-standard eRashiya.
• Inshorensi ukuba uyakuwa zimpahla yakhe. Ukucinezela eli hlobo inshorensi yaqala emva kokuba isehlo e eChelyabinsk ngoFebruwari 2013.
• Insurance nxamnye kukulunywa tick. Imvumelwano inshorensi kuquka imbuyekezo sokususwa uphando yezilwanyana phezu buyo iintsholongwane eziyingozi, unyango, inkcitho iziyobisi.
• Ipolisi ye-inshorensi "Wedding". Le mvumelwano ukhuseleko nxamnye inani lamatyala: yemozulu embi, ukugula ngesiquphe, ukutshata, umfoti uyasilela ukuvela, umqhubi, toastmaster, kunye namanye amaziko afanelekileyo, etc ...
• Insurance nxamnye umngcipheko non-lokunduluka aphesheya. Kwabo bamoyikayo ukuba iimeko zikaxakeka - ukugula kakhulu, inkundla, i-visa ukulibaziseka - uphazamise uhambo ebalulekileyo, uhlobo engekho semgangathweni-inshorensi iya kuba luncedo kakhulu.
• Inshorensi ukugxothwa. Ngamaxesha obunzima kwilizwe lethu, inshorensi loo afanelekileyo kakhulu - ingakumbi kubantu ukuhlawula mboleko ixesha elide, kwaye iibhanki khupha ezi-mboleko.

Iindidi eziphambili yemveli inshorensi eRashiya yaye ihlabathi liya kongezwa isiko ezithile. Ezinye zibonakala ukuba olungeyomfuneko, yinto eningenakukholwa yiyo, abanye bathatha kakhulu kwi zokwenene-akhawunti yanamhlanje.