"MSK" (inkampani ye-inshorensi): CTP, Hull, amasebe, ii-ofisi, website esemthethweni, iidilesi, iinombolo zefowuni, kunye nohlaziyo

MSC - inkampani yeinshorensi, ebonelela ngeenkonzo kubemi. Eli nqaku lichaza motor liability iqela lesithathu.

Ingcamango elithi

Inshorensi - uhlobo olulodwa ubudlelwane mali kuphuhliso nokusetyenziswa yokonga imali, ezo ukuvala yomonakalo obangelwe kukuvela iintlobo ngeentlobo ubungozi kwaye ihlawulwa abantu okanye amaqumrhu asemthethweni.

Ngengqiqo emxinwa, olu lwalamano macala omabini ukukhusela umntu inshorensi okanye impahla yakhe ngeendleko kwemali, nto leyo akhiwa izavenge ezihlawulwa inshorensi.

Xa obanzi - oku kuquka imisebenzi olwakheka kamva lo khuselo eziphathekayo.

izenzo olumisiweyo-zomthetho, ezo zisekelwe kwezi ngobuhlobo i-Code Civil ye-Russian Federation (Inxalenye ezimbini, Isahluko 48) kunye noMthetho Federal "Kwi Umbutho we-Inshurensi Business", nto leyo ichaza imiba eneenkcukacha kwikota. Ngenxa yalo mthetho Federal ziyalandeleka ngolu hlobo lulandelayo: I-inshorensi na ubuhlobo ngamahlakani ezimbini phantsi apho ukuhlawulwa kwezixa ezithile contract yi nangapha.

Amaqela kunye noxanduva lwabo

Kwezi budlelwane, ngokuqhelekileyo amalungu amabini. iqela lokuqala - i-inshorensi (ukuba umbutho ingaba labucala, zabelo kunye noluntu). Okwesibini - yendalo kunye nabantu zomthetho.

uxanduva yeinshorensi:

1) ukuze abuyekeze kwelinye icala umonakalo xa ityala efanelekileyo (kweentlekele zendalo).

2) abanomdla umntu wendalo okanye osemthethweni kunye nemithetho kunye bokuqonda ukuba enxulumene nale sihloko.

3) Ukongezelela imbuyiselo ngenxa umonakalo leyo eyabangela ukuba isiganeko inshorensi, yaye imbuyekezo nezinye iindleko.

4) Musa ukubhengeza ulwazi wafunda beqela yesibini sivumelwano (eziquka ezempilo, ipropati, kwaye ngaphezulu).

5) Emva kokuba polisi isaziso esibhaliweyo angafaka endaweni umxhamli umntu ezahlukeneyo ngokupheleleyo.

6) Kwimeko yokuphelisa yokuqala imvumelwano kwangaphambili kuthintela Ezecala lesibini.

Nezibopho insured:

1) wenze intlawulo kwangethuba iminikelo.

2) Ichazela iimeko ezaziwayo kuye, ezo zibalulekile ukumisela unobangela ukuyilwa isiganeko inshorensi.

3) Ekupheleni kwesivumelwano, eli qela iyaqhubeka ukuze anyamekele ukhuseleko lwepropati.

4) Ngoko nangoko lazise insurer malunga utshintsho yeemeko kwisivumelwano.

5) Ngokukhawuleza kangangoko kunokwenzeka azise elinye iqela le ngozi.

6) Libonelela ilungelo Ukuthatyathwa kwi-inshorensi (utshintsho otyalwayo kwi liabilities inshorensi).

7) Kwimeko yokuphelisa yokuqala mvumelwano iya kwazisa elinye iqela iinjongo zayo.

MCK - inkampani yeinshorensi

Vula Joint Stock Company, ebizwa ngokuba "inkampani yeinshorensi eMoscow" (segama "CMC") yamiselwa kunye inxaxheba kaRhulumente ka eMoscow ekuqaleni kuka-1998. Ukususela kowe-2007 zabelo iphambili yale nkampani icingelwa ukuba ibe "Capital Insurance Group." Ulawulo phezu athwala kuphela Government of Moscow, kodwa ikomkhulu kweebhanki.

MSCs (inkampani yeinshorensi) has a capital charter, ezifikelela kubantu abangaphezu kwe-3.5 billion engange. Kwakhona unalo mvume ukuba enze umsebenzi ngomhla wama-23 iintlobo-inshorensi, ezo zijolise ekujonganeni iminqweno yabo bonke abemi. Ukuthembeka nomgangatho womsebenzi ingqina Fitch Rating arhente rating ngamazwe. MSCs (inkampani ye-inshorensi) uzinzo kwezemali kokubili kwi kazwelonke ngomlinganiselo amazwe.

yena kwakhona lilungu le manyano imibutho eliqela njenge "All-Russian Union" (BCC), "Association eMoscow" (ICA), "Aviation and Space Corporation" (RAAiKS), RSA kunye nabanye abaninzi.

ukuthembeka Financial kwinkampani yeinshorensi

Kulo nyaka inkampani lenyuke ingeniso nokukhula elingaphezu avareji emarikeni data 2007. Iindleko zizonke ezi-inshorensi yafikelela engange 5.8 billion. Le nkampani iye imali yayo, kwakunye nemali efunyenwe nokukhuselwa kwimarike yamazwe ngamazwe kunye zasekhaya, zinika ithuba lokuba enze iinkonzo ezahlukahlukeneyo entsonkothileyo. Ngelo xesha, inkampani kuqinisekisa umgangatho nokusebenza imisebenzi eyimbophelelo ekucingwa ngayo.

Ngokutsho orientation zentlalo kwenkqubo MSC (inkampani ye-inshorensi) ukuhlangabezana nazo zonke iimfuno mihla: apha inshorensi yobomi, impilo, impahla kunye noxanduva yabemi.

Ukwandisa inani labathengi abasebenzisa iinkonzo ze-Arhente, bavula ofisi MSC omtsha (inkampani yeinshorensi). Branches yale nkampani ibekwe ngaphezu kwe-170 izixeko Russian Federation. Iyonke le inkampani yeinshorensi ebhaliswe malunga 120 arhente kunye amagumbi amancinane 55.

izinto ezintle lombutho

Uncedo somxholo yale nkampani besibhiyozela imibutho ezinkulu zengingqi nolawulo lwenqila kunye nosomashishini. Ezi ndidi ziquka Moscow Integrated Power Company (MIPC), Segezha Intlama nePhepha Mill (SPPM). Kwakhona HIV malunga umbutho ukuphendula naseNovosibirsk Metallurgical Plant (NMP), "yamanzi", ezinye iinkampani ezininzi kunye nosomashishini.

Le nkampani yi-arhente engundoqo ye-Government of eMoscow kwi-inshorensi propati, eyeye urhulumente, indawo ezahlukeneyo, abasebenzi franchise kwisigaba yabasemagunyeni kamasipala kunye karhulumente.

Ukongeza kuRhulumente yale nkampani inomnye otyalayo isigxina - "Bank of eMoscow". Kule ndawo, le nkampani kufuneka athobele kunye nezibophelelo phantsi inkqubo mortgage liboleke abanye; mboleko zemoto akananto. It usebenzisana nayo kunye nezinye Russian egcina: Agricultural Bank, Gazprombank, VTB-24, "Alpha", kunye nabanye abaninzi.

izinto ezimbi kwimisebenzi kwinkampani ye-inshorensi

Ukongeza ezilungileyo kule nkampani kubakho nobubi:

• ubukhulu becala abemi ushiye ingxelo engentle inkampani yeinshorensi MSK;
• kwezinye amasebe nkampani abasebenzi, kulwimi ekrwada ethuka ukujongana bonke abathengi zayo;
• Abemi abaninzi abonwabanga ukuba imibuzo yabo, ikakhulu ngokunxulumene iingozi zendlela, zisonjululwa iinyanga eziliqela;
• Kukho amabango ezininzi yenkundla ngokuchasene MSA;
• inshorensi MTPL inkampani ayisoloko ukubala ngokuchanekileyo, iziphene ezahlukeneyo ezinxulumene nalo mba sele sibonile;
• CASCO iindleko kwakhona ibalwe ngokungachanekanga, ngaba alisayi kuwathathela ngqalelo amava yokuhambisa;
• kutshanje MSCs (inkampani ye-inshorensi) ibandakanya amasebe, ngaphandle ecacisa izizathu abaxhasi bayo iinyanga ezimbalwa ngo-2014 wayeka ukusebenza ofisi kwiidolophu Kurgan, ESmolensk, Syktyvkar, Barnaul, Zheleznogorsk (ummandla Kursk), Ryazan, saseChelyabinsk, yaye inxalenye encinane .

Insurance Property Overseas

Kumazwe angaphandle, inshorensi izakhiwo kunye nezithuthi sele eqhelekileyo kakhulu elide. Lunika ithuba lokuba ukulungisa umonakalo obangelwe ngexesha iimeko ezingalindelekanga. Nangona kunjalo, inkqubo-inshorensi langaphandle uneempawu zawo.

Ngoko ke, kufanele kuphawulwe ukuba indima phantse izigqibo na ixabiso ipropati okanye neza. Ngokwendalo, kokukhona uya kuba isixa, kokukhona ebiza kakhulu iya kuba ipolisi ye-inshorensi. is he taken ingqalelo, ingaba lo mhlaba yindawo yokuhlala, okanye hayi izindlu nje kuphela. Ngoko ke, ukuba kukho nayiphi na ingozi kunokwenzeka, umnxeba inkampani yeinshorensi MSK uya kufumanisa. Yonke into yenziwe kwangaphambili, njengoko le nkampani uyawahlonipha yenza ukhetho.

Iimpembelelo ixabiso mgaqo-nkqubo ubonelela inshorensi kunye ebizwa ngokuba nembali ummandla apho zinto ezifunyanwa. Inyaniso kukuba, ukuba lo mmandla ngokuphindaphindiweyo ezithwaxwa ziintlekele zemvelo, inkampani ikwindawo entle ukunyusa ubungakanani iintlawulo ze-inshorensi. Kubhaliwe kuthathelwa ingqalelo kuphela kuloo ndawo kanye ikuyo loo ndawo.

Iiyantlukwano oganizatsy ibekwe eRashiya nakwamanye amazwe

Kwilizwe ngalinye, imigaqo-nkqubo inshorensi ukongeza eqhelekileyo izinto, eyongezelelweyo. Umzekelo, eFransi, ithandwa uninzi kwiikhontrakthi inshorensi abaninimzi xa ukuthatha ngaphandle. ENgilani, uya likhusele nomonakalo kwipropati owenzeka ngenxa kukuqhushumba a kwibhoyila umphunga, izixhobo zokugcina igesi, ukungaphumeleli inkqubo yogutyulo okanye ukufudumeza, kwaye ukuwa kwaso nasiphi na isixhobo air-injini. Kwaye e Germany kwande franchise yeTyala kuLuntu, ekuthi kujongwe ukuba ukuvala umonakalo owenzeke komnye umntu okanye impahla zabanye abantu. Kwi-Czech Republic kuyenzeka ukufumana inshorensi liya kuzihlawula umonakalo xa kwimeko ebangela umonakalo landscape ukusuka kwindalo. EUnited States, yena, zithandwa kakhulu inshorensi isihloko, elibonelela ukuba imbuyekezo umonakalo kunokwenzeka xa yelahleko amalungelo obunini kwilifa lokwenene.

Xa sithatha, umzekelo, inkampani Russian ezifana MSC (inkampani ye-inshorensi), i-website esemthethweni ukuqinisekisa ukuba akukho iimpawu awunazo.

Igama zisezantsi CTP

Abanini abaninzi imoto bayaqonda ukuba okuqhuba kwiindlela akuvumelekanga ngaphandle iqela lesithathu mandatory inshorensi liability. Kungenxa yale abemi kuqukunjelwe imvumelwano kunye neenkampani ezahlukeneyo. Ngokutsho komthetho, aye kwi kummandla Russian Federation, ixesha ubuncinane CTP zingatshintshwa ngokweendidi ezintathu.

Ukhetho lokuqala - kuba kubanikazi isithuthi sele idlule ubhaliso karhulumente ngaphandle eRashiya. Kuba abantu abanjalo ithuba ubuncinane iintsuku ezi-5 ukuya kwi-15.

Le ndlela yesibini - eyenzelwe abantu abalandela kwindawo kobhaliso okanye uhlolo lobugcisa emotweni. Ithuba Ubuncinane ziintsuku ezingama-20.

Umba wesithathu - yeyona ixhaphakileyo. Le mvumelwano kuphothulwe, ukuba wenziwe ubhaliso kunye namapolisa yendlela. ngeke ibe ngaphantsi kwe kweenyanga 3 xesha lincinane.

Xa kunjalo, ukuba isigqibo inshorensi imoto yakho kwikota enye (ixesha), iindleko nkqubo iya kuba-30% ye-mali yonyaka. Ngokuqhelekileyo, ezi ntlobo ze-nkqubo MTPL hombisa abanini imoto usebenzisa imoto ayikho ngeenxa zonke.

ulwazi oluncincane nge Hull

Olu hlobo inshorensi kuthathwa ukuba kube kokokuvuma. Ukuba kukho umgaqo-nkqubo CASCO ummi uyakwazi ukufumana imbuyekezo ayimali yokubiwa isithuthi okanye umonakalo kwimpilo umqhubi kunye abakhweli. zokuhlala lokugqibela iza kunika umbutho apho isicelo. Umzekelo, xa uthe wagqiba ukuba atyikitye isivumelwano kwaye ufumane nkqubo, khetha inkampani enjalo MSC (inkampani yeinshorensi) njenge. Iidilesi amasebe bommandla okuwo zingafumaneka kwi-Internet.

Imida alandelayo ngokubanzi kuthathelwa ingqalelo xa kubalwa igobhogobho:

• brand imoto;
• ngomnyaka wokwenziwa matshini (njenge-inshorensi izithuthi kuphela entsha);
• yobudala yokuqhuba (abantu abadala ngokuqhelekileyo iphuma olubiza kakhulu);
• amava uqhuba (wabaqalayo ahlawule kuthelekiswa ukuba abaqhubi abanamava);
• ubukho franchise (nomgaqo-nkqubo ziza kuba ezitshiphu);
• imoto kwi umxholo okhuselweyo (kulo mzekelo ibhodi iya kuba ngaphantsi);
• ubukho alarm anti-nobusela;
• ummandla apho isithuthi iza kusetyenziswa.

MSCs (inkampani ye-inshorensi), indawo esemthethweni yaye yonke into enxulumene nayo

Ungafumana ulwazi oluninzi malunga inkampani ethile okanye ishishini. Kwangaxeshanye, unako ukufumana iminyango, Othetha malunga mibutho kakubi. ulwazi oluthembekileyo ingqalelo, epapashwa kwi-website esemthethweni. Ngoko ke, xa usenza isigqibo ukufumana ulwazi malunga mbutho, ezifana umzekelo inkampani yeinshorensi MSK, uhlolo kunye nezinye iinkcukacha malunga bakhe akukho mfihlakalo.

Ngoncedo lwe website esemthethweni mbutho singenziwa intanethi ukubala ubuya kuba yintoni na iindleko elisondeleyo nkqubo CASCO kunye MTPL. Ukuze wenze oku, ngenisa idatha efunekayo kwiinkalo ezithile (lophawu, unyaka, ubudala kunye namava yokuqhuba). Xa intanethi, ungenza wenze ukhetho ukubala ukuya kwinkampani yeinshorensi ethile. Kwizibonelelo intanethi ke, uyakwazi ukubona iimpendulo ezilungileyo nezingalunganga abemi abaye ngaphambili isicelo kule okanye umbutho ukuze kokuba babeka iintlawulo zabo.