Iintlawulo "Rosgosstrakh": ncomo. Ndazi njani imali kunye imiqathango yokuhlawula?

"Rosgosstrakh" yenye yezona iinkampani ezintlanu ezinkulu ze-inshorensi eRashiya. Lasekwa ngo-1992, yaye xa siqwalasela imbali leSoviet, oko kwaqala ngo-1921. Ukuza kuthi ga ngoku, kukho amasebe phantse ama-80 kunye nee-ofisi ngaphezu kwama 3,000 kunye namasebe. Le nkampani onceda abantu inshorensi yobomi kunye nempilo yabemi, ipropati kunye noxanduva.

"Rosgosstrakh" ibandakanya ekulawuleni inkampani stock joint, yaye iquka inani kwezinye iinkampani kwanezifundo emxinwa, ezifana SK "rgs Life", "rgs-Medicine", PF "CSG".

Eli nqaku liza kujonga indlela intlawulo "Rosgosstrakh" zaveliswa. Nokuba kukho kwi policyholders nale ngxaki, yaye ukuba kunjalo, yintoni, oko zibandakanya, nendlela uzisombulule.

Auto Insurance

Kakhulu amaRashiya amaninzi axhomekeke kolu hlobo inshorensi yi "Rosgosstrakh". Ukuze ukuba i-inshorensi phezu CTP, ummi kufuneka incwadana yokundwendwela, ubhaliso isithuthi, iphepha-mvume lokuqhuba kunye nobungqina yokuphumelela lokuhlolwa zobugcisa.

Kuyo nayiphi na ofisi yenkampani kwaye kwi-website, unako ukuba ngokusesikweni indlela nokwandisa ipolisi ye-inshorensi ukuba ikhutshwa iinyanga ezintathu, ezintandathu okanye elinambini. Ethandwa, Kakade ke, ukunandipha imigaqo-inshorensi unyaka-1.

Olu xwebhu kunikwa bonke abantu abaya ukuqhuba imoto, okanye kuphela kubantu abathile wavuma ekuqhubeleni eli isithuthi. Ukusuka kule ndawo kuxhomekeke kuphela kwisixa-nkqubo, kodwa ke intlawulo "Rosgosstrakh", ukuba kuyimfuneko.

Indleko ye-inshorensi angakwazi kuxhomekeka zinto zilandelayo:

• isigaba isithuthi;
• motor yayo;
• ubude umqhubi kunye okanye ubudala bakhe;
• indawo yokuhlala kunye nokubhaliswa;
• Iingozi, leyo Sisanda umnikazi imoto.

Kuxhomekeka ngamnye emotweni, kukho izizathu injongo ezichaphazela iindleko.

Iintlawulo "Rosgosstrakh" ngo-2016

Idatha ekuqaleni kuka-2016, epapashwe yi-Russian Union of nabaKhuseli, wabonisa isiphumo ukungazi le nkampani enkulu. Kwacaca ukuba intlawulo "Rosgosstrakh" OSAGO yaba engange 8.5 billion, ngoxa izityholo kwakukho asezantsi: 7.7 billion kuphela engange. Kufuneka kuqatshelwe ukuba kukho inani lino-minus okokuqala kwiminyaka eli-13.

Yakuba Iintlawulo motor enyanzelekileyo inshorensi TPL kwiziko ekupheleni konyaka ophelileyo, iibhonasi baba iintlawulo ezinkulu phantse neebhiliyoni ezimbini engange. Kodwa kunciphe phantse ishumi ekhulwini ekuqaleni kuka-2016 i-share emarikeni.

Sam "Rosgosstrakh" ayimchazi iintlawulo ze-inshorensi. Nangona kunjalo, le nkampani ikholelwa ukuba eli nani ayibonisi ukuba umbutho ukushiya imimandla. Iintlawulo zanyanga le eziphezulu ngenxa yokuba zibalwa amazinga aye amiswa kunyaka odlulileyo. Ngelo xesha ekuqaleni kuka-2016, "Rosgosstrakh" libhengeze ukuba CTP ayisekho onomdla kule nkampani. Yaye ekupheleni kuka Matshi, siqinise nokuba kumiswe kwintengiso yekhompyutha inshorensi. Ngokutsho RSA, bonke esithathwini ezibini zesishumi se-e-imigomo "Rosgosstrakh". Iilahleko ziye thile ngaphantsi, kodwa qhubeka sikhula. Ukongeza kule nkampani, ukuba isandi alarm kunye nezinye insurer. Noko ke, unxulunyaniswa nengxaki kunye nezenzo avtoyuristov.

ilahleko Le nkampani - inzuzo avtoyuristov

Ezinye iinkampani ze-inshorensi bakholelwa ukuba ukuzinkcinkca ye avtoyuristov kukhokelela kukuba xa kukho ingxaki usengozini nkqubo. Ngako oko ke, bade uceba ukuphakamisa imithetho uyilo kunye nezilungiso ntlawulo kuzo zonke inshorensi naniswele ukusebenza yabo yesiqhelo.

Kodwa ukuba iinkampani ze-inshorensi abakhathalele iingeniso zabo, abanini imoto abaqhelekileyo silindele ukufumana imbuyekezo enjalo ingozi, eziya kuhlawula zonke iindleko yokulungisa iimoto.

Emva kokufunda kwiiforam weendawo, kubonakala ukuba, ngokoluvo zabamnini ezininzi imoto, intlawulo "Rosgosstrakh" understates kwimeko yengozi. Kungenxa yesi sizathu ukuba sibhenele uncedo lweengcali - amagqwetha, ukuba "wakhuphe" imali efunekayo okulungiswa kwinkampani ye-inshorensi. Njengoko ubona, abaninzi kubo benza inkqubela enkundleni. Ngenxa yoko, inshorensi iya zoyiswe kunye, bona, uwajongele phantsi iingenelo. It is a isangqa eqhubekayo. Kodwa emva kwe-inshorensi.

inshorensi yokuzikhethela

Ukongezelela CTP, kukho inshorensi yokuzithandela CASCO. Ngu CTP ungachazwa ukuba intlawulo yabagadi-"Rosgosstrakh" kwingozi kuwo uvelisa kwimeko umonakalo emotweni ngexesha uhlaselo, ingozi, ubusela kunye nezinye iimeko. Kukho uhlobo olwahlukileyo lwe-inshorensi abaqhubi abanamava, ebizwa ngokuba "Crisis Hull." kwixabiso, xa kuthelekiswa eqhelekileyo, ngaphantsi kabini.

Ukongeza i-CTP zingathengwa DSAGO okanye DPP, apho umonakalo inikezelwe ukuba ibangelwa asilotyala umqhubi.

CTP: intlawulo inshorensi

Inkampani yeinshorensi uhlawula imali xa isiganeko benefits, ukuba:

• Waphathwa nxaxheba kwingozi yemoto ngubani na elingenatyala siganeko;
• ezonakeleyo iirobhothi okanye iimpawu DD;
• umqhubi owenzakeleyo okanye umkhweli.

Imbuyekezo umonakalo ubomi kunye nempilo ungaba kuze anamakhulu amahlanu engange, kunye nempahla - ezine. Intlawulo ingenziwa zombini ngemali kunye zokwenza umsebenzi wokulungisa. Kwimeko yokugqibela, ukuba umonakalo kwisithuthi ngaphezu inkampani ukuze ahlawule, isixa-mali esisashiyekileyo kufuneka kubuyisela umsunguli ngozi.

Inkampani yeinshorensi zingadlulanga iintsuku ezingama-15 emva kweso siganeko, kufuneka unikeze incwadana yokundwendwela, iphepha-mvume, isatifiketi sobhaliso isiqinisekiso TC of iingozi ezindleleni, isaziso yengozi kwaye ikopi yale ndlela yonxibelelwano.

Kuthekani ukuba imali yentlawulo leyo understated

Ngenxa yoko, amaphepha ahanjiswe, kwaye ulindele ukufumana intlawulo ukulungiswa. Kodwa ngesiquphe kwenzeka ukuba imali idluliselwe kwi-akhawunti, phantsi ngokucacileyo, kwaye nemisebenzi yabo ayiyi kubagubungela zonke iindleko xa ezise isithuthi ukuya inkangeleko eqhelekileyo. Yintoni kuba izenzo zakho?

Umntu uza kuthatha ntoni lwenziwa ngawo, uya kuyeka nayo. Abanye baya kufuna intlawulo efanelekileyo. Ukuba ukhetha indlela yesibini, kuya kufuneka ukuba odola uviwo oluzimeleyo ukuba kwixa elizayo kungaba phantsi le sudyas mali kunye inkampani "Rosgosstrakh". Isixa ntlawulo olwaba yi amanyathelo lokuqala alandelayo:

• kufakwe isicelo kwi-ofisi apho wawusayina-nkqubo;
• tsalela umnxeba;
• isibheno ubunkokheli.

Kuyenzeka ukuba isenzo esinjalo kwanele ukuba intlawulo wohlaziyo. Noko ke, ukuba inkampani uyaqhubeka wenqaba ukwandisa isixa, ungafaka isikhalazo PCA, izicelo iingcebiso zomthetho nokulandela amanyathelo ekucetyiswa apho ukufaka ibango.

iimviwo azimele

Phantse zonke iingcebiso uya kukuxelela ukuba kufuneka odola uviwo elizimeleyo. Le nkonzo kuthandeka abanini imoto. Emva zonke nomvandlakanywa inshorensi adla zonke ezizimeleyo. Ngokomzekelo, kusenokwenzeka ukuba uqaphele isiphene ezifihlakeleyo, nto leyo iya kutyhilwa kuphela wokulungisa. Kwaye ngoko oku ukusilela kufuneka ihlawulwe kwipokotho woniweyo.

zoviwo Independent, iyalele ngokwabo, kufuneka zihlawulwe. Kodwa ukuba iziphumo zeemviwo ziya kwahluka lowo olwenziwe yi-inshorensi, yaye uya umngeni kuyo enkundleni, kwingxelo sebango Makucaciswe ukuba uviwo elizimeleyo iindleko yeinshorensi zaye ngeendleko.

Ngaphezu koko, ukuba iintlawulo olwaba phantsi CASCO, avtoyuristy abanamava ziquka kuyo imfuno umonakalo non-pecuniary, kwimeko ngokuzithandela ngokufuthi uyaneliswa ukhuseleko wenkundla, kunye neenkampani ze-inshorensi musa engqondweni.

iimviwo Independent

Ngenxa yoko, i zoviwo elizimeleyo yenziwa ngolu hlobo lulandelayo. odolo inxaxheba ingozi kwaye ohlawulela inkonzo kuyo, ukufumana uxwebhu intlawulo a (ngokwesiseko apho inkundla iya kuhlawuliswa iindleko). Kunqweneleka ukuba ukuchaza bokuqonda ukuba kubonakala ethandabuzekayo kuvavanyo kwinkampani ye-inshorensi. Umzekelo, ayiyi lwabonisa ukuba uneengxaki ezifihliweyo.

Ukuba kuyimfuneko, nomvandlakanywa uyavuma uviwo elizimeleyo indawo kunye nexesha uhlolo kunye namaqela angaphandle. Xa usibona zonke umonakalo kwisithuthi, kuba nengozi, obhalwe ngononophelo nokufotwa kunye nenkcazo eneenkcukacha. Ezinye izibalo ngqo kwiindawo spare ezifunekayo kunye nokubuyiselwa yenziwe. Ukuthatha imali ekhoyo kwi-akhawunti kwi kubathengisi abagunyazisiweyo kwimeko isithuthi iinkonzo kuyo, okanye umlinganiselo. Enye into ebalulekileyo banxibe factor. Ulwazi kumaxabiso ndiwuthabathile Intanethi ezinkulu okanye iivenkile kwindawo apho kwenzeke ingozi. Ilungiswe yi uluvo abaziingcali. Amaxesha amaninzi, ezi mibutho amadini, kwaye esemthethweni inkxaso engaphezulu, Ogcina ityala enkundleni.

imbuyekezo iintlawulo

Ikhupha "Rosgosstrakh" xa intlawulo isicwangciso imbuyekezo. Oku ojongene i-SAR. ezi zizathu zilandelayo kufuneka ukuba imbuyekezo:

• ungonakala SC;
• ekupheleni kwekota ilayisenisi yakhe;
• ayixhomekekanga ngumtyholwa ngokubacandisa umonakalo ixhoba;
• e ngumtyholwa ayikho ipolisi ye-inshorensi nayiphi IC, kuquka "Rosgosstrakh".

Njengoko ngentlawulo yembuyekezo imoto esisinyanzelo inshorensi TPL. Baxhomekeke imivuzo kunye nezinye ingeniso ixhoba, kwakunye neendleko ukuba unyango yokwenzakala ezifunyenwe kule ngozi. Iintlawulo Imbuyekezo enxulumene ubomi kunye nempilo waBantu abaKhuselwe yiInshorensi, asusela 24 ukuya engange 60 000.

Ubungakanani kweentlawulo

Kanye "Rosgosstrakh" isicelo sentlawulo, kunye namanye amaphepha ahanjiswe, kufuneka alinde isigqibo kwinkampani ye-inshorensi. Kakade ke, abantu abaninzi bafuna ngokukhawuleza ukufumana imali ukuba igama. Kodwa ngokuya kwi website, ingeyiyo iwonga kunye nenombolo yakho ityala odolo intlawulo, akuyi kwazi.

Nge e-mail kunye umyalezo ngokukhawuleza kwi ifowuni iya kuthunyelwa ulwazi malunga isigqibo sithathiwe. Kwizimo uza kwaziswa ukuba tsalela inombolo zoqhagamshelwano inkampani "Rosgosstrakh". Funda intlawulo ngokwemimiselo yezemali, akukho nanye yezi ndlela ngeke isebenze.

Ndazi njani zesixa sentlawulo, yaye kungekudala ngendlela imali ukuya kwi-akhawunti?

Ingaba ikhona indlela yokufumana le ngcaciso kwi inombolo yetyala? No. Le mali iya kwaziwa kuphela xa ityala elo liya ngokutsha wabuguqulela imali ebhankini. Listed emva kokuba isigqibo zingadlulanga iintsuku ezintathu zomsebenzi. Nangona kunjalo, oku akusebenzi ixesha yokuhlawulwa "Rosgosstrakh". Le ngongoma, ngokungqinelana nemigaqo, uthathwa iintsuku ezingama-30. Ukongeza, ixesha kunokuba zombini umlinganiswa ngamnye.

Ngeli xesha, sinako ukubala inani elisondeleyo sentlawulo ngokwabo. ine wokubala online kwi-website esemthethweni ye nkampani apho ukwazi kwakhona indlela ukuya kwiqondo elithile. Kodwa kukho okungakumbi uyakwazi ukufunda imali phezu kukuvela ingozi. Kodwa MTPL kunye CASCO kufuneka balinde ukuba uya kugqiba ekubeni wenze iintlawulo "Rosgosstrakh".

Ukuphonononga: ukwamkela isigqibo okanye ukumangalela

Abaninzi amava akhe abuhlungu ukuba kwiimeko ezininzi xa kuhlawulwe CTP xa kwimeko yengozi uwajongele phantsi. Ngamanye amaxesha ubala unako ukufikelela kuma-80%. Kufuneka wenze ntoni kwiimeko ezinjalo, abanini imoto, ukuba phezulu kubo.

Abanye bafuna ukuqonda yonke ngokukhawuleza kwaye uthathe isixa ukuba banikwe. Abanye bafuna uncedo iingcebiso zomthetho kwaye ufumanise nkampani.

Njengoko yokusebenza ibonisa, nkqu ulawulo UK iyakungqina oku, avtoyuristy "butshabalale" ye-inshorensi, ukuba athabathe ityala. Oku kuthetha ukuba nxaxheba ingozi njani isigqibo ukumangalela, oko kukuthi ithuba elihle ukuphumeza iziphumo ezidibanisayo.

Xa nokubuyekezwa aseleyo sele kudlule kubaqhubi test, abantu abaninzi ngakumbi begqiba ukwamkela elisezantsi ukuhlawula, baze bazabalazele ukufumana mali, nto leyo kubuyisela ngokupheleleyo umsebenzi wokulungisa le imoto. Noko ke, enoba "Rosgosstrakh" cala akufanele ukwandisa zesixa sentlawulo, oko kufuna onecala.

isiphelo

Ngoko izinto namhlanje "Rosgosstrakh", policyholders yayo ihlawulwe. Kakade ke, nayiphi na inkampani bejamelene kunye nabathengi ungonelisekanga. Kwaye ukuba kukho isizathu ekuqaleni uvalo kakhulu kwaye mnandi, kwaye neemvakalelo HIV azisoloko azalwe.

Kodwa ke, kwelinye icala, xa uzithengela inshorensi rhoqo, umnini Imoto ukubala ngentlawulo wathembisa ngokomthetho. Ngoko ke, ukuba kwenzeke ingozi, kuyimfuneko ukuba zifune isisombululo nje kwimeko yakhe. Emva kokuba intlawulo-inshorensi "Rosgosstrakh" kufanele ukuba lubandakanye nokulungiswa imoto, wavuka kwingozi ngokusebenzisa akukho tyala yomnini.