"Ingosstrakh", CTP. Izimvo malunga inkampani

Inshorensi - yinxalenye yobomi mihla. Wonke umntu ufuna ukufumana bonwabile nekhuselekileyo, lo gama nesiqinisekiso zemali ngokunxulumene nayiphi na inkalo yobomi bakhe. Yiloo nto abantu ngoku ngakumbi nangakumbi ukhetha ukuhlala ebumnyameni, kwaye uqhagamshelane kwinkampani ye-inshorensi. Zisebenza njani? Ufika inkampani yakho ekhethiweyo, khetha ipolisi ye-inshorensi, oko kukuthi, yintoni inkalo yobomi bakho malini ofuna inshorensi. Kwaye ngoku nyanga nganye uhlawula isixa esithile, ethunyelwa kwi fund yakho inshorensi. Kwaye ukuba yinto eyenzekayo isici ukuba inshorensi, inkampani ye-inshorensi iya kuhlawula zonke iindleko ezinxulumene ekuvalweni ngemiphumo esi siganeko. Yintoni na-inshorensi? Enyanisweni, yonke into. Unga-inshorensi yobomi kwaye nempilo, unako-inshorensi amakhaya abo, imali yabo, njalo-njalo. Enye ethandwa kakhulu kuhlobo kwihlabathi lanamhlanje-inshorensi - nto-inshorensi auto. Njengoko kwezinye iindawo, kukho iintlobo-nkqubo, nganye ezikhethelwe umxhasi ngamnye kwi-inshorensi yemoto. Kodwa apho ukuya ku-inshorensi imoto yakho? Yaye yintoni iintlobo inshorensi apho? Oku yintoni eza kuxutyushwa kweli nqaku.

Ngomhla kummandla Russian Federation kukho imibutho ngokwaneleyo ukuze inshorensi wena, kodwa omnye engcono "Ingosstrakh". CTP, ukubuyekeza apho uyakwazi ukufunda kwisiqingatha sesibini nqaku, yenye-nkqubo engundoqo na umqhubi. Yiloo nto, uya kufunda iinkcukacha yokubuyekeza. Ngokuqhelekileyo, kuya kuba kuhle kwi-inshorensi leemoto jikelele, ukuba ufuna ngenxa yokhuseleko yaye oko kuya kukunika, kwaye "Ingosstrakh" kwinkampani: CTP, ukubuyekeza inkonzo, inikeza enomtsalane njalo njalo.

"Ingosstrakh" inkampani

Ngoko ke, okokuqala sonke kufuneka sithethe kancinci malunga inkampani leyo aya kukunika inkonzo. Xa kuziwa kwi-inshorensi imoto, ngoko ufanele ngokuqinisekileyo incwadi e CTP "Ingosstrakh". Izimvo amashishini kwi Internet afumaneka kwiimeko ezininzi ezintle, kodwa ngoku ayenzi ingqiqo ukuthetha ngayo - ncomo umsebenzisi ngakumbi ziya kuqwalaselwa kamva. Ngoku qwalasela kwi nkampani ngokwaso, kwakunye umbuzo why ukhethe "Ingosstrakh"? Kuqala kubalulekile ukukhumbula ukuba inkampani yenye elaziwa wakholosa kummandla Russian Federation. ofisi Le nkampani zifumaneka kwizixeko ezininzi zeli lizwe, yaye apho uya kusoloko tsakela ku ku pfuna. Ntoni i "Ingosstrakh"? Ngokuqhelekileyo, i-inshorensi, kodwa isici esasenza i multi-channel - apha unako-inshorensi kuphela imoto yakho, kodwa ipropati, indlu, uhambo lwabo kwelinye ilizwe, abantwana babo, yaye kakhulu ngakumbi. Ngenxa yokuba eli nqaku ziya kuqwalaselwa ikakhulu inshorensi imoto, kufuneka ugxininise inkampani wenkonzo "Ingosstrakh" - CTP. Iimpendulo ngawo uya kufumana kwisiqingatha sesibini inqaku - on ngenxa yabo lula ukwenza izigqibo malunga nenkonzo ethile. Okwangoku, kufuneka usixelele ngakumbi malunga nokuba yintoni na inshorensi imoto ngokubanzi ingakumbi CTP.

Auto Insurance

inshorensi imoto lula ukuyiqonda ngegama layo, elidityaniswe ngqo koomatshini, zombini ngezithuthi abakhweli kunye umthwalo. Ngokuqhelekileyo, injongo ephambili-inshorensi auto - kukubonelela zezibonelelo zeinshorensi xa kuthe kwehla ingozi ebandakanya imoto. Kodwa eneneni kukho izinto ezilula ngoko - kukho iintlobo ezahlukeneyo ze-inshorensi auto, ebandakanya zombini impilo yabo kunye emotweni yabo, kunye nempilo kunye nezithuthi zamaqela wesithathu. Ukuze siqonde ngcono le nto, kwaye kufuneka ufunde eli nqaku - uya kuqonda ukuba kutheni ufuna nkqubo MTPL (kwakunye nawuphi na umgaqo-inshorensi ngemoto ufuna ngaphezulu).

Yintoni CTP?

Kwimeko yenkampani "Ingosstrakh" ngokutsha MTPL badla ziquka nkcukacha, kodwa asinguye wonk 'ukucinga ukuba yintoni na le hlobo inshorensi. Yiyo le nto kufuneka ukuba uphendule ngoku umbuzo kutheni umntu onemoto, kufuneka inshorensi esisinyanzelo. Ngoko ke, okokuqala kufuneka sinikele ingqalelo into yokuba olu hlobo lwe-inshorensi awusebenzi imoto yakho, impilo yakho okanye impahla yakho. CTP imele mandatory inshorensi imoto liability. Ngoko ke, zonke umnini imoto unyanzelekile ukuba akhuphe lo mgaqo-nkqubo. Kwiimeko ezininzi, inshorensi ngokuzithandela, oko kukuthi, umntu ngamnye ugqiba ukuba inshorensi yobomi bakhe kwaye sithini isixa ethile. Kodwa kwimeko CTP zonke izinto ezahlukeneyo, ngenxa yokuba lo mgaqo-nkqubo umele. Kodwa okwesibini, ukuba inshorensi ukuba uthetha ngqo ubutyala yakho yoluntu, oko kukuthi, uyamnyanzela xa uqhuba luthathele ingqalelo yonke into eyenzekayo ngeenxa zonke kuwe. Kodwa akucaci kakhulu? Kulo mzekelo kufuneka ukhangele ngokusondeleneyo kakhulu kwaye ngokucacileyo ukuba kutheni kufuneka-nkqubo MTPL. "Ingosstrakh", ukubuyekeza apho uyakwazi ukufunda kamva kancinci, unako lucidly ukuchaza zonke iinkcukacha, kodwa ulwazi olusisiseko ziza kuboniswa kwinqaku.

Kutheni ufuna nkqubo MTPL?

Xa ukhankanye iinkcukacha kwi inkampani "Ingosstrakh" ncomo MTPL, uya nazo rhoqo kakhulu, ekubeni lo mgaqo-nkqubo yenye embi kakhulu. Kodwa yintoni na? Kwakutheni ukuze efunekayo ngqo? Ngoko ke, xa sithetha ngamazwi alula, lo mgaqo-inshorensi, kuya kufuneka ukuba akukhokhele ngaphandle komonakalo epokothweni oko kunokubangelwa amaqela esithathu kule ngozi apho ityala lakho kufunyaniswe. Ngokwendalo, oku siganeko kufuneka ibe yemoto kwaye ziquka imoto yakho. Ziziphi iintlobo yomonakalo kuhlawulwa ngulo mgaqo-nkqubo? Okokuqala, oko umonakalo ukuba bazinyibilikisile impahla amaqela esithathu. Okwesibini, na umonakalo ukuba bazinyibilikisile impilo ngamaqela esithathu. Ngako oko, yonke into efanelekileyo kwimeko ukuba ngaba umqhubi yaye umsebenzi kwingozi yemoto. Ngokwendalo, lo monakalo ibe nkulu kakhulu, abaqala abantu abaninzi kangaka ukuba babe nomdla koko ubungakanani iintlawulo kwi-inshorensi. Oku kuya kuxutyushwa ngakumbi.

MTPL Iintlawulo nkqubo

Ukuba usebenza "Ingosstrakh" inkampani, izimvo kwiintlawulo kwiimeko ezininzi ziya kuba ezakhayo - ngabantu kusingathwa ngokukhawuleza kamnandi kunye neengxaki zabo, phantse ngaphandle kokwenza naluphi na umgudu. Kodwa ke kukho enye into yonke umnini moto kufuneka acacise phambi kokuba ukuphumeza umgaqo-nkqubo CTP inshorensi - ke ubungakanani iintlawulo kuyo. Kutsho ku-2014, akukho izinga imali ephantsi ngokufanelekileyo, awayenzayo nkqubo yokubhalisa disadvantageous kakhulu. Umzekelo, imbuyekezo umonakalo owenzeke ixhoba mnye, wanikwa 140 lamawaka engange, kwaye imbuyiselo ngenxa yomonakalo obangelwe inani lamaxhoba - engange kuphela 160 amawaka. Ngethamsanqa, ngo-2014 CTP zikhule, kunye neenkampani ze-inshorensi kwakufuneka ukunyusa ubungakanani kweentlawulo. Kwaye ngoku iqela ngalinye owenzakeleyo wesithathu ihlawulwe 400 lamawaka engange Russian. Ke ukuba nobungozi kwimpilo amaqela wesithathu, apha le nkqubo inzima kakhulu. Phambi ko 2015, 160 amawaka engange wanikwa lokubuyiselwa ngqo ixhoba abandakanyeka kwingozi lwendlela lwezithuthi, 135 amawaka engange kwembuyekezo abantu banelungelo lokufumana oko xa kuthe kokufa ixhoba, kwakunye 25 amawaka engange ukuba alungiselele umngcwabo yexhoba. Ngowe-2015 Iintlawulo ziye zahlaziywa, yaye ukususela ngoko 500 lamawaka engange Russian labelwe imbuyekezo eyabangelwa wonzakele ngqo, 475 amawaka engange yabelwe iintlawulo kumxhamli, ezo zichazwe kwinqaku efanelekileyo yomthetho (kukho iinkcukacha apeyintiweyo ngaphezulu, lowo ngaphambili wehla weza nje iqela unelungelo imbuyekezo xa ukufa ixhoba), kwakunye nazo zonke efanayo engange-25 amawaka omngcwabo. Kulungile, ngoku uyazi yonke into oyifunayo malunga iintlawulo ezifunekayo ukuze athwale inkampani yeinshorensi, kwakunye ukuqonda ukubaluleka CTP. Kodwa ke nanku umbuzo, yaye kuthekani imoto yakho. Ngaba MTPL nkqubo ukuze kubuyekezelwe umonakalo, nto leyo kwingozi yemoto?

Insurance imoto yakho

Xa ufuna inshorensi inkalo imoto ubomi babo, uya kunceda inkampani yeinshorensi "Ingosstrakh". Izimvo CTP wafumana elungileyo kakhulu, ukuze ngokukhuselekileyo zidlulisele kwiingcali. Kodwa CTP - alikho ipolisi ye-inshorensi imoto kuphela, kufuneka ucinge. Inyaniso ukuba ayenzi kukugubungela umonakalo, eziya kufumana imoto yakho. Phantsi nkqubo motor enyanzelekileyo Iintlawulo ze-inshorensi TPL unokufumana kuphela lesithathu wabandakanyeka kwingozi yemoto. Ukuba awunguye umntu wesithathu, oko kukuthi, isithuthi sakho uye waqaphela yi umsunguli okanye abaqambi ingenzeka omnye kwingozi yemoto, ipolisi ye-inshorensi CTP uya awugubungele wokulungisa iindleko imoto yakho. Yintoni ukwenza ntoni? Kufuneka Masiqwalasele imiba inshorensi imoto, njengoko ngenxa intlawulo yeendleko ukulungiswa wesithuthi sakho, ixhoba kwingozi yemoto kwi ityala lakho, kufuneka bazobe nkqubo eyahlukileyo ngokupheleleyo, ogama Hull. Noko ke, lo mgaqo-nkqubo na isifundo iphambili kweli nqaku, ukuze isibakala ikhona kunye nenjongo yawo - ukuba yonke into kufuneka ngoku ukwazi ngalo.

inkqubo yekhompyutha

Xa sicinga yeka ke isantya uphuhliso ubugcisa bale mihla, uyile kutshanje ipolisi ye-inshorensi iye lula kakhulu. Sithetha e-CTP, oko kukuthi, lo mgaqo-inshorensi elektroniki. Ngoko, xa kwenziwa izilungiso ngeentlawulo xa kuthe umonakalo kwimpilo okanye ubomi amaqela wesithathu, liye laqalisa inkqubo yekhompyutha ukubhaliswa kwemigaqo-inshorensi. Iinkampani ezininzi inshorensi kufuneka kumaphepha zabo ezisemthethweni kwi Internet ziinkqubo ezizodwa evumela emotweni ukuba inshorensi zava emakhaya lakho. Kakade ke, engomnye weshumi eziphambili iinkampani ze-inshorensi kwi Russian Federation, le nkqubo yaqaliswa ze kwinkampani ye-inshorensi "Ingosstrakh". Izimvo CTP, yoyilo intanethi, nazo ezihle kakhulu. Nakuba kunjalo, kufanele kuqatshelwe ukuba akuyi kuba lula uyilo ngekhompyutha le nkqubo ukuba inshorensi imoto yakho. Inyaniso yokuba inkqubo ufumana ulwazi olusisiseko kwi-SAR, kwaye ukuba anihambanga inkqubo ye-inshorensi imoto kwi-ofisi, ngoko data yakho kwiziko ledatha ayikho data. Kuyinto ethile encinane, nto leyo, kukho ithemba, iya kulungiswa kwixesha elizayo. Ukuba inshorensi ngaphambili, ngoko kufuneka nje uzalise iifom eziyimfuneko, kwaye ufumane i-imeyile la maxwebhu ukuba ilingane i "iphepha" ipolisi ye-inshorensi ukuba sele ufumene ngaphambili.

izimvo ezakhayo

Kulungile, lixesha lokuba bajonge into beemoto kulo lonke Russian Federation, uthethe ngale inkampani "Ingosstrakh" - MTPL ncomo. EMoscow - yenye kwimimandla engundoqo apho kukho uyilo onomtsalane iimvumelwano inshorensi. Yaye ukusuka apho kuza uninzi ncomo kwaye kulapho phantse bonke bephela ezincomekayo. Yintoni kanye kanye le abaqhubi beemoto adunyiswe eyenza umgaqo kule inshorensi? Yintoni uhlaziyo "Ingosstrakh" inkampani? Esisinyanzelo - le nkqubo esikhathalela umnini ngalinye imoto, ngoko ngalo uze ubhale kakhulu. Kwaye kukho inani elikhulu labantu kwiirivyu zabo ezibhaliweyo kule minyaka mibini idlulileyo, qaphela kube lula isicelo komgaqo-nkqubo kwi-intanethi. Inkqubo fast and lula, inkqubo isebenza kakuhle kanye kakhulu. Akukho ukulibaziseka, lo mgaqo-nkqubo uqala ukusebenza imini enye emva kokuba wenze intlawulo. Kwakhona, abantu phawula nezinye iingenelo inkampani, ezifana umlinganiselo wentlawulo phantsi kwe-inshorensi, ubukhulu iintlawulo, kwakunye nomgangatho wenkonzo zabasebenzi. Njengoko ubona, uphononongo kuchaphazela zonke iinkalo inkampani, kubandakanywa e-CTP "Ingosstrakh". Izimvo Kakade ke, asingabo kuphela ezakhayo - oko unako ukufumana kunye nezimvo ezingafanelekanga. Ngokufuthi baya kuba besekho abemi mimandla, kodwa singatsho ngokukhuselekileyo ukuba inkampani, nto leyo ethatha ingqalelo ngokupheleleyo zonke nohlolo - "Ingosstrakh". CTP, Kazan linxiwa inyathelo okanye eMoscow, usoloko umbandela ephambili, ngoko ke abasebenzi bazama ukunceda zombini abahlali elikomkhulu, kwakunye nabameli izixeko ezincinane needolophu.

ukubuyekeza ezimbi

Ke ukuba iimbono ezingakhiyo ngokunxulumene nkampani kunye nemisebenzi yayo, baya kuhlangana kwi kwizithuba ze Internet kwi izibonelelo ezahlukeneyo. Ngokomzekelo, esinye sezixeko, apho ukumelwa sabo "Ingosstrakh" - Nizhny Novgorod. Uphengululo (MTPL kunye nezinye iindidi ze-inshorensi), inokuba ezahlukeneyo, yaye ezinye Novgorod bhala uphengululo entle, yaye omnye umntu - negative. Kubalulekile ukuqonda imihlaba kuyo inkoliso isikhalazo esibhaliweyo? On ukuhlaziya kucaca ukuba inkoliso reviews zibhalelwe isandi embi kukuba umsebenzisi zange baqonde kakuhle kunye namaxwebhu kunye nemimiselo. Ngokomzekelo, kwenye amasebe "Ingosstrakh" (Ekaterinburg) for CTP ncomo ezibi beza ngenxa yokuba abanini imoto musa ukuba izigqibo kwi ngozi kwi-ofisi kwangexesha. Kodwa kwangaxeshanye sifuna ukuba ihlawulwe kwi imoto Hull. Kanye Hull, omnye specializations eziphambili "Ingosstrakh" inkampani - CTP. ncomo Customer Kwakhona kuza nokuyila - umzekelo, omnye abanini imoto angathanda ukuba ukungena kwimvumelwano-inshorensi ezinye umqhubi kumcimbi ngokungxamisekileyo, kodwa inkampani igeza ngaphandle isenzo esinjalo kuphela ingaphelanga inyanga enye. Kubonakala ngathi kungena encinane, ezifana itsheki encinane - nabo bonke, kodwa inkampani akanako ukunika le nkonzo, ngoko ke lo mazwi isiseko epheleleyo nokubuyekezwa ezimbi. Ezimbi njengoko kukho kule nkampani "Ingosstrakh" kwakhona iintlawulo MTPL - abantu bayakhalaza ukuba izicelo zabo ukuqhubekekiswa elide kakhulu, iyenza nzima ukusebenzisa isithuthi, kodwa oko kuxhomekeke indawo yenkampani. Kodwa kubalulekile ukuphawula ukuba zonke izimvo kuhlaziywa abameli nkampani kunye umsebenzisi ngamnye ufumana impendulo oluneenkcukacha, nto leyo icacisa zonke iinkcukacha le ngxaki.

iziphumo

Yintoni saphetha siyifunde yonke le nkcazelo? Enoba isicelo ntoni isebe - e Moscow, nokuba "Ingosstrakh" -Voronezh, reviews (CTP elibandakanyekayo kwindawo yokuqala) baya kukuxelela ukuba nkonzo inikezelwa kwinqanaba elifanayo eliphezulu. Kakade ke, kukho ungonwabi, kodwa xa ukhangela nokubuyekezwa CTP kwezinye iinkampani ze-inshorensi, uya kuqonda ukuba ophambene, kwaye iya kuhlala injalo.