Inkampani yeinshorensi elungileyo kakhulu CTP: uluhlu lweempawu kunye nohlaziyo

Ingxaki yokukhetha inkampani yeinshorensi nazo zombini abaqalayo kunye nabantu ngaphambili wehlelwa embi xa uthenga i-nkqubo. Kaninzi oku kungenxa iintlawulo okungaphezu kwamandla akhe. Kubalulekile ke ngoko ukuba ukwazi ukukhetha indlela inkampani ekunene. Kubalulekile ukuqonda ukuba ayinonophele njani ingqalelo kungekuphela nje izinto luluvo, kodwa ke ngokwenene yokusebenza kwemali. Iinkcukacha ezingaphezulu malunga ukujonga indlela apho inkampani yeinshorensi kuhle ukuba CTP, kunye naluphi na uhlobo inshorensi, ufunde.

inkinga

Nyaka ngamnye, 42 yezigidi abanini imoto bafumana liability isixhobo nepolisi ye-inshorensi kunye ezingu-5 - Hull. Xa iinguqu sele zenziwe mthetho ngo-2014, ngolungiso abaxhasi ukufikelela kuphela inshorensi yakho. Isixa bentlawulo ixhomekeke kwi-nkqubo wenkampani. Wazi njani ukuba inkampani ye-inshorensi kungcono akhuphe MTPL?

ulwazi retrieval

Inkampani yeinshorensi elilungileyo ngu CTP - inkampani ethembekileyo enokuthi ngokukhawuleza kungafezekiswa kweemfanelo zalo. Nkqu yeinshorensi ezingaginyisi kufuneka bakwazi ukwenza iintlawulo ungaphumi uye yimali.

Xaka yandiswa ezikhethiweyo inani Iinkampani yokusebenza emarikeni. Njengoko amakhulu kwimibutho ukukhetha yeyiphi inkampani yeinshorensi kuhle ukuba CTP? Uyakwazi Ngokuqinisekileyo ukubamba olwalo uhlalutyo, ulwazi olukhoyo esidlangalaleni iposelwe kwi esemthethweni websites, iiforam, iiblogu kunye nothungelwano lwentlalo. Uyacetyiswa ukuba ukwazi izimvo kubathengi owayesakuba nkampani. Musa ukulibala malunga rankings yonyaka-inshorensi.

ukuqoqa ulwazi

Xa kufikwa inkampani encinane okanye engaziwa kangako, into yokuqala kukuba khangela ukuba une imvume yokushishina. iinkampani kuphela mvume efanelekileyo bakwazi ukubonelela ngeenkonzo-inshorensi. In Russia kukho ezingaphezu kwe-400, yaye ngamnye kubo intlaninge arhente. Register of nabaKhuseli thaca kwi-website ye Bank of Russia phantsi kwiimalike zemali. Nge-inshorensi, ibhaliswe ummandla kwelinye ilizwe, bangathethi okanye banxibelelane ngcono. imibutho enje usebenza kwiminyaka 10 emarikeni.

Umthamo kwentlawulo

Ukusasazeka umonakalo izixa ngaphantsi namhlanje kunokuba kwakunjalo ngaphambili. Yonke imibutho ekubaleni iindleko zokusilungisa ezifunekayo ukusebenzisa indlela evunywe yi-Bank of Russia. Iiyantlukwano angaba kuphela ixesha iintlawulo. Ngoko ke isimo e theory. Ukuziqhelisa, ngo-2014, inshorensi eziqokelelwe engange 150 billion, kwaye zidweliswe amaxhoba 90,3 billion kuphela nangona ngokomthetho, ixhoba kufuneka ihlawulwe 77% yemali avuswe. Le ngcaciso elula. Okokuqala, ngowe-2014 kwakungekho indlela yomanyano nokumisela iindleko ukulungiswa. Okwesibini, ngexesha lokuthenga izixhobo nkqubo zenziwe ngemali. umcimbi ngeInshorensi zisenokuvela nanini na kwithuba elizayo. Ngoko ke, inkoliso iipremiyamu eqokelelweyo luthunyelwe kulo myezo.

uzinzo lwemali

ukukwazi Umbutho ukuba azalisekise uxanduva lwayo nayiphi na imeko yezoqoqosho ibonakalisa yokusebenza kwemali. Kubaluleke ngokukodwa ukuba ukuhlalutya ezi ngxelo, xa sithetha intsebenziswano ixesha elide. Nokuba kwinkampani yeinshorensi olungileyo CTP unokuba neengxaki intlawulo. Yintoni Kufuneka Ndiye ndikhangele?

capital abagunyazisiweyo kufuneka ngaphezulu le sethi isezantsi (120 mn).

Ukukhula asethi wombutho ibonisa nemiba ezintle zophuhliso, ngakumbi xa kwenziwa ngeendleko yeziqendu eziqokelelweyo. Inkampani yeinshorensi olungileyo CTP na isixa esikhulu-mali ekhoyo.

Inani lezivumelwano kufuneka amathuba afanayo zemali.

zolondolozo-inshorensi rhoqo musa ukudlula kwamaxabiso. Kodwa ke Ukwehla Dynamics - ukuba loo mkhwa embi.

eliphezulu kakhulu kwinqanaba iintlawulo kufuneka khathaza banokuba ngabathengi. Ngenxa kwintlangano inzuzo enyanisweni - lokuqokelelelwa yesahlulo. njani inkampani khona ukuba abathengi imali kakhulu, ngaphezu omaluqokelelwe?

Iinkampani ezinkulu zidluliselwe kweminye imibutho-50% yephothifoliyo inshorensi.

Nantso umsebenzi olungileyo inkampani i-inshorensi (CTP).

reviews

icala ngalinye ngamnye. Kwanasemva kokuba kokuhlalutya ingxelo kwiiforam, kunzima ukumisela ukuba ngowuphi kwiqumrhu - eyona inkampani yeinshorensi yi CTP. Bonke abaxhasi sijongene neengxaki ezifanayo:

• ingqalelo elide isicelo (kwi ukuqinisekiswa amaxwebhu ingathatha inyanga);
• kuncitshiswa imali kwentlawulo (ngamnye iitshekhi inshorensi zonke izibalo appraisers ne reference SAR, ixabiso engumphumela ingalungelelaniswa isixa VAT imali, kwaye intsalela iza kuhlawulwa ngumxhasi).

Behlupheka abathengi abaninzi ukuthenga i-inshorensi kwi eCrimea. Ayizizo zonke iinkampani ze-inshorensi-ofisi zabo khona. Ngoko ke, ngokuba abathengi yokuhlawula kufuneka uye emva Rosgosstrakh.

rate inshorensi

Amaxabiso aphantsi kufuneka alumkise banokuba ngabathengi. Yokulahla benza kwiinkampani ezincinane okanye ezintsha ngokupheleleyo ukuba uzama ukutsala abathengi. Esi sicwangciso liyimfuneko kuphela kwinqanaba lokuqala umsebenzi. Ekuhambeni kwexesha, oko elijonge ungonakala. Nizisukele amaxabiso aphantsi lapho ephetha contract ixesha elide yenza mqondo.

intlawulo xa siganeko inshorensi ibalwa isekelwe phezu yokukhwela, yande ubungakanani coverage ekhethiweyo ngumxhasi. Ixabiso endibufumeneyo lilungiswe okuza ulungiso. Kwimeko le CTP isenokuba ubudala indawo lomqhubi yokuhlala, indlela ukugcina iimoto, amava uqhuba, njl Ukungabinalwazi umqhubi kunye amakhulu emotweni, kokukhona ubungozi nkampani kuya kufuneka zizihlawulele ngokwazo. Oku kuya kuchaphazela ngobungakanani bomrhumo. nkqubo "UPenny" ayinakho ukuyilinganisa zonke iingozi. I-inshorensi akuthethi ukuzalisekisa isithembiso. Umxhamli kuya kulahlekelwa yimali kunye ingxelo inshorensi.

Ubukho iibhonasi kunye neenkqubo ukunyaniseka, ngokuchaseneyo, kunempembelelo entle image inkampani. Inkampani enkulu kungacutha ixabiso kubathengi rhoqo.

izilinganiso

Xa simo iinkampani zabekwa phambili kumahlelo amahlanu:

• kakhulu - class A;
• inqanaba eyanelisayo lomngcipheko - Class B;
• Izinga eliphantsi kukuthembeka - Class C;
• ungonakala - Class D;
• ukurhoxiswa kwelayisenisi - Class E.

ukuba iinkampani best zahlulwa ngakumbi ngokwamaqela amathathu: irobust ezongeziweyo, ethembekileyo kakhulu kwaye kakhulu ngamandla.

Uvavanyo lwe-arhente akayi simahla. Ngoko ke, olu luhlu ibandakanya zonke iinkampani. Ngelo xesha, ukungabikho lenkampani kuluhlu akuthethi ukuba akana- kuthenjwa. "Folk 'ukureyithwa ukuvavanya izalathisi neenkcukacha zamanani, kunye nee-arhente - esemgangathweni. Ukuze sifumane uvavanyo ngaphezulu okanye ngaphantsi ezaneleyo kufuneka bakhokelwe data evela kwimithombo ezininzi ngexesha elinye elide.

Isikali yovavanyo 'Expert RA "

I-arhente inkulu Russian rating "Expert RA" ngonyaka wenza uhlalutyo oluneenkcukacha ngemisebenzi inshorensi ngeendlela ezininzi. Zonke ezi zinto ziya kufakwa kudidi iqondo ukubaluleka.

ezingaphandle:

• umthamo, Dynamics asethi tshintsho, capital equity, insurance premium;
• indawo wombutho kwimarike (ukuthatha inxaxheba imibutho, iimanyano, igama, lophawu, ulwalamano kunye iisuphavayiza ezikhethiweyo);
• ulawulo olumanyanisiweyo (abanini ezinokwenzeka, ulawulo lomngcipheko, ubume besebe, izibonelelo, elubala lomsebenzi);
• Geography (a yenethiwekhi isebe ephuhliswe kakuhle).

ishishini Insurance:

• portfolio inshorensi (guqulo umngcipheko, inzuzo uhlobo lwe-inshorensi);
• isiseko umxumi (ubukho isigxina ngamahlakani zinkulu ukurhoxisa isivumelwano, iindlela zamaqabane nkqubo yokusasaza Reinsurance);
• imisebenzi Reinsurance (ukuthembeka, ukusebenza kunye nokhuseleko guqulo, umngcipheko reinsurance, umlinganiselo isixa iintlawulo equity).

Iimpawu Financial zihlahlelwe ukuba:

• amatyala kunye solvency;
• inzuzo kunye unprofitability;
• nkqubo yotyalo-mali.

Kunzima ukuqonda oko inkampani best inshorensi yi CTP. Ukukala ivoti "ethandwayo" unelungelo lokuba khona, nangona luluvo kakhulu kwaye injongo. Phezu kwayo babantu bokwenene nendlela ukubukela exabisa kunye ukungabi nathemba, kuba zonke inshorensi uye abayithandayo zayo neentshaba. Phezu kwazo zonke ezo zinto, umntu unokucinga ithoni jikelele izimvo malunga iinkokheli imarike ye-inshorensi, ukuba ukujonga iinkampani best inshorensi iintlawulo OSAGO.

"VTB Insurance"

Kule 16 iminyaka zempilo iqela insurance uvule amasebe kwizixeko 114 kuzo zonke iingingqi Russian Federation. Standard & Poor elijongene ngamazwe eyabelwe "VTB Insurance" lelona liphezulu phakathi kweenkampani Russian rated BB +. I-arhente "Expert RA" ngo-2015, inkampani iphawule amaza phakathi inokuthenjwa. Ukongeza kwiinkonzo inshorensi imoto, inkampani inika uluhlu olubanzi kwezinye izinto: ukhuseleko asethi, imali kunye nenkqubo yotyalo-mali.

ROSGOSSTRAKH

Iqela inshorensi indala eRashiya ulahlekisa kwinani amasebe ezivulekileyo. Xa simo "Expert RA" Rosgosstrakh na iipremiyamu ahlawulwa kakhulu, zolondolozo kunye nempahla. Ngoxa kwezinye iingingqi, amatyala bephula umthetho sibhalelwe xa abathengi kwanyanzeleka ukuba athenge imigaqo-inshorensi imoto. Kuba komgomo ezinjalo entlanganweni ngelo xesha le mvume kwasuswa.

SOGAZ

Enye CTP ezinkulu yaye inkampani yeinshorensi ezilungileyo isixa yesibini ngobukhulu yeziqendu abayiqokeleleyo Russian Federation. Isakhiwo Group iqulathe amaziko asekuhlaleni kunye angaphandle 9 ukhonza-14 lezigidi zabantu yaye amawaka-40. amaqumrhu asemthethweni. Izinto eziluncedo ezingundoqo lombutho ziquka eyiyo ixabiso-umgangatho nkqubo CTP.

Isigaba sokugcina

Phambi kokuba wenze isigqibo sokugqibela, kuyimfuneko ukuba utyelele i-ofisi zemibutho ezininzi:

• Aphonononge inqanaba lenkonzo;
• isicelo Uqikelelo kunye uzithelekise;
• ukuba bahlole nemiqathango yesivumelwano.

Le nkampani best inshorensi CTP ukhethe kuphela uluhlu lwamaxabiso ngamnye, kodwa intetho eneenkcukacha malunga bokuqonda ezingundoqo kwekhontrakthi.

isiphelo

Kunzima kakhulu ukuqinisekisa ukuba yeyiphi inkampani yeinshorensi kuhle ukuba CTP. izimvo zabantu okwenene luluvo yaye ngokufuthi ezinxulumene abanolindelo kwiintlawulo. "Abantu," iireyithingi kwakhona musa ukunika uhlolo ngokwaneleyo imeko yemali. iingxelo kuhlalutywa iinkcukacha ngu zophengululo professional kanye ngonyaka. Kodwa akuba waqokelela ndawonye lonke ulwazi, kunzima ukumisela ukuba ngowuphi na inkampani ilungileyo inshorensi yi CTP. Ngapha koko, kukho kwakhona wayo impazamo yabantu, apho kungekho mntu omzimba.