Kwimarike Russian, enze imisebenzi zemali kwicandelo inshorensi MTPL amakhulu iinkampani. Omnye wabo - "VSK Inshorensi" (MTPL ncomo ezikhoyo). It is a inkampani yeinshorensi Russian ukuba wathabatha ithemba yam niche kurhwebo inshorensi lwasekhaya. Ukunikezwa iinkonzo endle-inshorensi yobomi, izibonelelo, iminikelo ubomi kunye nempilo, uhambo, MTPL, CASCO, njl njl .. inkampani eyenziwa evela kwinkampani umzali, nto leyo esisendaweni eMoscow, kunye neentlobo ngeentlobo kumasebe kunye namasebe kwimimandla Russian.

Eli nqaku liza ukuhlola nokubuyekezwa kwinkampani ye-inshorensi VSK MTPL.

Malunga inkampani

Le nkampani isebenzisa Amagama zorhwebo ezininzi, ezifana "VSK Insurance House" yaye "All-Russian Insurance Company".

Xa market-inshorensi i-Russian Federation, inkampani isebenza iminyaka engaphezu kwama-15. Ngokuzithemba kuzibiza enye yeenkokheli kweli candelo. Njengoko kuqinisekiswa yi-ncomo ezininzi, VSC MTPL zeeteksi phakathi iinkampani ezilishumi eziphezulu kwilizwe lethu ngokwemigaqo-inshorensi kunye nezibonelelo.

VSC has ilayisensi esemthethweni ukuze kuqukunjelwe imvumelwano inshorensi ukuba ngaphezu kwe-110 iintlobo zoshishino. Iinkonzo ezinikezelwa kumashishini kunye nabantu.

Ngexesha 2016 FAC ifumene kwisibonda ogunyazisiweyo a iinkampani inshorensi encinane, kuye iqela yokudityaniswa.

Imisebenzi FAC njengoko inkampani ye-inshorensi ngalo mzuzu i ingachazwa udumo kunye nempumelelo.

Inkqubo yokubonelela ngeenkonzo inkampani yeinshorensi

Njengoko kuqinisekiswa yi-ncomo, VSC kwi CTP yenye eziphambili iinkampani ze-inshorensi kweli lizwe.

Xa ngokubonelela ngeenkonzo kubantu kunye amaqumrhu asemthethweni inkampani ingena umthetho wobukhaya lezivumelwano qho reimbursable.

Isivumelwano unalo imixholo zilandelayo:

• Ezi amaqela kwisivumelwano.

• Inkcazelo kweenkonzo.

• Iimeko nesiphelo kunye nokupheliswa.

• Umsebenzi amaqela.

• Ukuhlola.

• Inkqubo zokufumana insurance premium.

• Isixa-mali insurance premium.

• Imigaqo elivela isiganeko inshorensi.

• Umsebenzi amaqela.

amaxwebhu key

Xa inkampani MTPL FAC (ncomo zabaxumi ukuqinisekisa oku) - imveliso engundoqo.

La maxwebhu eziphambili ezibandakanyekayo bethenga isivumelwano kubonelelo ngeenkonzo inshorensi, inshorensi kunye namaxwebhu intlawulo.

Umthetho yangoku i-Russian Federation kummandla contract inshorensi kwaye ikuvumela ukuba usebenzise inkqubo, okanye enye yezi iimvumelwano.

Oko kukuthi, isivumelwano inshorensi, nto leyo eye inombolo yesazisi kunye nomhla nowokupheliswa, ingasetyenziswa ngaphandle kunikezelo ipolisi ye-inshorensi, ukuba ikhankanyiwe imimiselo benkampani.

Kwenye imeko, ngokusekelwe kwesivumelwano insurance lukhutshwa-nkqubo mvume.

Ipolisi ye-inshorensi inokuba ngokobunye okanye ngengqokelela.

Kwiimeko ne MTPL kunye CASCO kuyimfuneko ukuba ipolisi ye-inshorensi, ngokungqinelana nomthetho yangoku Russian Federation.

Ukulawula imisebenzi imigangatho iinkampani ze-inshorensi FZ yomhla we-27.11.1992, "Xa ishishini inshorensi kwi Russian Federation".

Iimpawu ingenzeka komsitho inshorensi

Njengoko kuqinisekiswa yi-ncomo, MTPL FAC usebenza ixesha elide ngempumelelo. Phakathi imithetho kunye nemigaqo ilandelayo.

Ngexesha ixesha lesivumelwano inshorensi umamkeli-nkqubo wenkonzo emva kokuvela isiganeko benefits unelungelo lokufumana ibhaso. Esi sixa-mali kunye nendlela yokufumana ipremiyamu thethwane nezivumelwano.

Emva kokuvela isiganeko benefits oku, i-inshorensi kufuneka ingenise inkqubo olunikwa iphakheji amaxwebhu, eyavuma emva kokuqwalasela lo mbuzo kokuhlawula imali okanye kwenqaba.

Inkampani yeinshorensi unalo ilungelo lokwala inxalenye okanye intlawulo epheleleyo ukuba ngeInshorensi badlula iinkqubo isaziso, ukuqokelelwa kwamaxwebhu, imiqathango okanye ezinye iimeko.

Lo mthetho unika ithuba lokubhena izigqibo ezinjalo kunye neenkqubo ezithile ezingokomthetho.

Isibheno esichasa isigqibo malunga kwala buso okanye epheleleyo insurance premium ehlawulwa ngokungenisa ibango kwinkampani ye-inshorensi okanye isibheno kwinkundla.

Inkundla rhoxisa isigqibo kwinkampani ye-inshorensi ukuhlawula ukusilela buso okanye epheleleyo, abayibona njengento mthethweni. Ukuba inkundla yenza isigqibo ukuhlawula ngokupheleleyo okanye ukunyusa imali, oko ikhankanyiwe yesigwebo, emva koko i-inshorensi uvumelekile ukuba kufunwe unyanzeliso imali.

Izimvo kwinkampani ye-inshorensi VSK

Njengoko kuqinisekiswa yi-ncomo ezininzi, VSC kwi CTP lifumana inani elikhulu kwamabango.

Kukho nezingalunganga amasebe msebenzi. Ngenxa indawo kwi-Moscow intloko ofisi ulwamkelo lwamaxwebhu ikhutshwa phandle nkampani kunye enye ngakumbi kwicandelo engundoqo. Isigqibo sokugqibela malunga izinto kuthatha ixesha elide. Ukongeza, onke amabango kwityala inshorensi zithathelwa emasebeni, kodwa kuthathwa kwi-ofisi engundoqo. Abathengi Awukwazi kusoloko ukufumana umbuzo aluphelelanga kwi isindululo yeshishini inshorensi, njengoko ujika ulwazi ngokusebenzisa imbalelwano isebe ende-arhente ye-inshorensi kunye nolawulo ofisi eyintloko.

Ingxaki yesibini - kungcono ninikane phantse yonke isebe lokuzifumanela nkqubo kunye ejikelezayo ngokwamalungelo. Kwimo esebenzayo ubomi ezidolophini abemi Russian isetyenziswe ukulondoloza ixesha wakho.

Onke amasebe of iinkampani ze-inshorensi ukunxibelelana nabanye ngembalelwano online. Kule mo, isigulane akukho ndlela ukufumana ulwazi. Kukho imfuneko isicelo ngokwahlukeneyo kwicala ngalinye.

inkonzo bendlela kwi-ofisi central ka VSK

VSK (reviews MTPL ukuqinisekisa oko) ayahlukanga esemgangathweni inkonzo ekhethekileyo.

Ngenxa yokwamkela amaxwebhu ukusuka ezahlukeneyo kumasebe nakumacandelo engundoqo ofisi bamatasa basebenza. Kule meko, unale inkonzo on-site.

Ngokutsho ingxelo yabathengi, abasebenzi kwi inkonzo musa ukunika ulwazi oluthile malunga mhla wokuhlawulwa ngokupheleleyo kwetyala lo mbuzo.

Ndiyibonile ukuhlukunyezwa eyondeleleneyo ngokoMthetho ingqalelo umbandela kwimeko-inshorensi, intlawulo yobhaliso, zoviwo izicelo nezibongozo. kuhlawulwa ixesha kakhulu CTP inshorensi VSK (lohlolo kweli amanqaku khona).

Ukuze appraisers kufuneka zibhalise kusengaphambili, iimfuno ukuze zihlolwe isithuthi olungqongqo.

Uninzi izikhalazo zabemi kwi-ofisi amabango ityala iphela iimpendulo ezingenanto kunye ngokusesikweni esesikweni ngaphandle umxholo substantive.

izinto ezintle

Kukho inani elaneleyo reviews elincumisayo VSK inkampani yeinshorensi. Ngokutsho manani ezikhoyo, malunga 70 amabango inshorensi zivumelekile osisiphumo ulwaneliseko omabini, inkampani ye-inshorensi kunye insured.

Xa kubalwa iintlawulo inkampani phantse understates iindleko zokusilungisa neenxalenye-nkqubo yayo. Oku kungqinwe ncomo Company VSK. CTP (Moscow - ezinkulu iingozi isixeko kwenzeka kakhulu kakhulu) kunye ne-inshorensi igobhogobho ehlawulwa rhoqo. Kodwa ayikho kuphela elikomkhulu kunye nezinye izixeko imeko iyafana.

Emva kokuhlala kwalo mba enkundleni lumalunga ne-100% ye nkampani ukuba ukubuyisela ngokuzithandela mali ebekwe ukuze achache.

Le nkampani iye abasebenzi ngokwaneleyo banyanisekileyo appraisers ingcali abo ihlole izithuthi kunye nokubalwa.

izinto ezimbi

nkqubo MTPL FAC (reviews ukuqinisekisa oku) - yenye imveliso ithandwayo nkampani. Ngoko ke, inani ncomo negative kule ndawo ngaphezu kwezinye iimvumelwano.

Kodwa kukuphazamiseka ngenxa izixa eliphezulu yentlawulo ngokusekelwe nkqubo inshorensi motor TPL ezinyanzelekileyo ezininzi.

Ekuqaleni, ezindaweni ezininzi iRashiya 2016 yaba ngumba enkulu kakhulu kwintengiso-nkqubo inshorensi. Abantu kwafuneka ukuba ibhalwe kwangaphambili (iiveki 2-3) okanye ukuma kangangeentsuku ngokuhambisana ukuthenga umgaqo-inshorensi CTP.

iintlawulo

Akusoloko siwenze kunye nokukhula rhoqo kwixabiso le nkqubo yaye akukho ukwanda ratio yokudlala.

I ethandwayo kakhulu inkampani iba, kokukhona kwandisa iindleko zeenkonzo ezinikiweyo.

Kwi Internet ezininzi reviews elibi umsebenzi yenkampani kule ulwamkelo amaxwebhu sobhaliso isiganeko inshorensi. Abasebenzi basoloko yenza ezininzi iimpazamo kunye emivuzo, ezo ke kunzima ukufumana intlawulo.

Kunqabile ukuba intlawulo awufumaneki ekuqaleni kwethuba ukuba ucaciselwe ukudluliselwa imali. Imali efunyenwe kwelinye iintsuku ezininzi kakhulu.

Malunga ncomo VSK MTPL lubonisa ukuba i-inshorensi uthenga lwangaphakathi kwe layini nzima. Yokuba mhlawumbi ayifumaneki okanye xa usenza kuvela ubunzima kunye nenkqubo.

inshorensi yobomi kunye nempilo

Kuyo inani ubuncinane amanani ncomo embi kummandla VSK yenkampani ubomi inshorensi yezempilo. Oku kungenxa iimeko obutofotofo inshorensi, iqondo eliphezulu iintlawulo.

Ngokungafaniyo nezinye iinkampani ze-inshorensi, VSC ngenxa olu hlobo lwentlawulo ifuna ubuncinane isethi yamaxwebhu. Ngaphezu koko, akukho mfuneko yokuba balinde ekupheleni kwexesha imithi, ukuba akukho nzima ukubala iintlawulo. Namaxwebhu onyango afanelekileyo engqina isiganeko benefits oku, i-inshorensi bangafaka isibheno imali oyityalayo.

Omnye umsebenzi ezikhethekileyo kunye inshorensi lenkampani ukulungisa ilahleko - amathuba imiqulu kulo naliphi na isebe okanye kwisahlulo yenkampani.

Ngaphandle kweli futhe, kodwa umgangatho weenkonzo zoluntu intengiso nkqubo inshorensi icala CTP ukubala iintlawulo kumabango inshorensi akukho ngcono.

VSK Insurance (reviews MTPL ukuqinisekisa ukuba) - asithandwa kakhulu namhlanje inkampani.

Ngawaphi amanyathelo ekufuneka athathwe ukuze uzikhusele ngokwakho xa usenza kwityala-inshorensi?

• Ekupheleni kwesivumelwano kunye nokufunyanwa nkqubo inshorensi CTP ufundisise amaxwebhu.
• Ukugcina imigaqo kunye nezivumelwano phambi kokuphela.
• Xa uqukumbela isivumelwano ukuthatha eprintiweyo imithetho bafumana intlawulo inshorensi.
• Ngokukhawuleza wazise ummeli kokuvela isiganeko benefits, ukugcina ubungqina ebhaliweyo saziso.
• Ngocoselelo bafunde ixesha elimiselweyo kunye namaxwebhu afunekayo ukuze ejikeleza.
• Xa uthumela iipakeji amaxwebhu intlawulo ukufumana ikopi yesicelo kunye kwinqaku ulwamkelo.
• Ukuze ugcine yonke imbalelwano kwi kwimeko-inshorensi kunye arhente yenkampani.
• Kuyo nayiphi na imeko de intlawulo epheleleyo akwenziwa ukulungisa imoto ezimeleyo okanye ukusikwa ngokuthanda amaqela esithathu.
• Ukuba kuyimfuneko ukuba enze uvavanyo ozimeleyo ize ingenise ingxelo kwinkampani ye-inshorensi.
• Kwimeko nayiphi na intandabuzo, dibana igqwetha qualified entsimini.

Kufuneka wenze ntoni xa zokugxojwa komyalelo bentlawulo?

Kubalulekile ukuqonda ukuba umthetho Russian na amalungelo abemi axhobileyo 'kunye nenkululeko. Kwimeko zokugxojwa inkqubo yentlawulo kuyimfuneko ukuba uye enkundleni.

Njengoko practice ibonisa, ecaleni yoluntu efumanekayo kwinkampani ye-inshorensi ukuze kuncedakale abantu amaqumrhu asemthethweni inkundla ngokuqhelekileyo zithatha icala lommangali, ukuba akukho ukunyhashwa ezibalulekileyo kuye.

Ethetha enkundleni, kwi MTPL nkqubo umthengi inkampani yeinshorensi wenze nje ukuhlawulelwa kuphela, kodwa imbuyekezo, inzala kwimali waboleka, izohlwayo, iindleko zenkundla, njalo njalo. D. Umthetho uvumela ukuba isibheno enkundleni, hayi kuphela isixa sentlawulo, kodwa kuba waphula umthetho ngokwalo.

Xa kuqaliswa kwiminyaka yakutshanje, izilungiso umthetho inshorensi toughened, kunye neenkampani ze-inshorensi ukuba ulwaphulo bemiqathango yawo ebonelelwe izohlwayo eziqatha ngohlobo nezohlwayo.

Ngokwe-manani ziinkampani ze-inshorensi eRashiya kunyaka-2016, isixa-mali ka iintlawulo CTP landa ngama amane ekhulwini. Oku kwadala kakhulu nemeko enzima kwimarike insurance. Ezinye iinkampani kwanyanzeleka ukuba bayeke imisebenzi yabo yemali. Okunye yenguqu izalwe. Umzekelo, "Bin-inshorensi" kwabanjwa naziphi RCS. Emva kokuba iinkqubo sobume ukudityaniswa amabango-inshorensi, okwenza iintlawulo nkqubo CTP, ngokusesikweni ngo-2016 kwi-ofisi "Bin-inshorensi" yenze FAC.

isiphelo

Ngokutsho iziphumo VSK inkampani yeinshorensi malunga iinkqubo MTPL kunyaka 2014-2016, ngokoluvo labemi, umbutho abazinikele kwindawo 6 kwi-inshorensi top ezilishumi ethandwa.

Noko ke, uvavanyo olwenziwe ngokwe yokudlala CTP Sberbank of Russia, ngokukala SSC engaphezulwana nje kancinane. Kulo kuluhlu nkampani kwi kwindawo yesine phakathi top ezilishumi.

La manani, nangona nokubuyekezwa labantu, kodwa bathi malunga ukuthembeka inkampani yeinshorensi iintlawulo VSK MTPL.

Kubalulekile ukuqonda ukuba emva kwincopho umsebenzi kwimarike insurance ngo-2010-2012, ukususela 2014, usasebenza kwindlela lobunzima. Oku nje kodwa kuchaphazela umsebenzi ofisi engundoqo eMoscow-ofisi yesebe kwinkampani yeinshorensi xa iyonke. Oku kuchaphazela iintlawulo kwi MTPL FAC (lohlolo kweli amanqaku khona).