Sum insured kunye nexabiso lomshuwalense

Ngokuxhomekeke kukuphi uhlobo lwe-inshuwalense yexabiso lepropati, inani legalelo kunye nembuyekezo liya kubalwa. Kodwa iintlobo ezinyanzelekileyo sele zisekelwe kwisiseko sazo zengcaphuno.

Ukutyikitya umgaqo-nkqubo, kubalulekile ukwazi kwangaphambili: yintoni na isamba semali esivela kumxhasi siyadingeka yinkampani kwaye ingaba ihambelana neemeko zentengiso.

Iintlobo ze-inshorensi

I-inshurensi namhlanje yindawo ehlukeneyo yoqoqosho. Umxhasi wekampani uhlawulela ukuba inqaku elilandelayo lizama ukuthatha ingozi. Emva koko umgcini-mgaqo-nkqubo unokulala ngokukhuselekileyo kwaye akhathazeki ngeengxaki ezinokwenzeka.

Unokuqinisekisa nantoni na:

• Impahla;
• Iigugu;
• Iimoto;
• Ubomi kunye nempilo;
• Ubungozi boshishino kunye nemali;
• Inshorensi yezokhenketho;
• Imilinganiselo engabonakaliyo (imisebenzi yobugcisa);
• Iprojekthi yomhlaba, enye.

Umnini-nkqubo kunye nomxhasi wakhe banenzuzo efanayo ngokuthengiselana. Yaye ukuba inkampani iyavumelana "nemithetho yomdlalo" kwimarike yayo, abathengi abaninzi baza kutyalomali kuyo. Into ephambili ukufikelela kwisivumelwano phakathi kwamacandelo amabini kwimali yembuyekezo. Ukubala ngokuchanekileyo, kuyimfuneko ukuvavanya ipropati, oko kukuthi, ukufumanisa inani le-inshurensi.

Iingcamango zexabiso le-inshurensi kunye nemali eqinisekisiwe. Ukungafani

Ngokomthetho weRussian Federation, xa kwenzeka ingozi kumgaqo-nkqubo, umshwalima kufuneka anike umthengi inani elithile. Le mali ngumzuzu osisigxina ekugqityeni isivumelwano, kubalwa yinkampani kwaye, ngokuvumelana nomthengi, ungeniswe kwisivumelwano somntu womshuwalense okanye wendlu yomshuwalense. Le yintlawulo yomshuwalense.

Nangona kunjalo, inani le-inshurensi kunye nexabiso le-inshurensi alikho imiqondo efanayo. Ixabiso le-inshurensi lingalingana nesixa-mali, nangona kunjalo ukusetyenziswa kwemali umthengi angayifumana ezandleni zingaphantsi kwexabiso lemarike yento. Ukugqithisa indleko yemali ye-inshurensi ayikwazi, echazwe ngumhlathi 2 we-Art. 10 kuMthetho malunga noMbutho we-Intshurensi, ngenxa yokuba i-inshorensi yenzelwe ukuhlawula umonakalo, kwaye kungabi ukwandisa imali.

Iyintoni intengo ye-inshurensi? Yinqunywe emva kokuvavanya kwipropati okanye ukuhlolwa kweengozi apho inkampani yomshuwalense ithatha. Ngokuqhelekileyo le nto ibalulekileyo kwixabiso.

Kufuneka kuthathelwe ingqalelo ukuba kuphela nge-inshurensi yokuzithandela inani lembuyekezo ehlawulekayo. Kwimeko apho ukutyikitya komgaqo-nkqubo kuyimfuneko, imali iya kusekwa yimimiselo yomthetho.

Inani leminshurensi ngamanye amaxesha linesayizi esicwangcisiweyo. Kwaye ngamanye amaxesha, kusekwe ngokusekelwe kwipesenti ethile yeendleko.

Iintlobo zeendleko zinshorensi

I-inshorensi eqhelekileyo yintengiso yomshuwalense. Iindleko zinshuwalense yepropati, njengoko sele ikhankanywe ngaphambili, ibalwa ngokusebenzisa iindlela ezahlukeneyo. Ngokusekelwe ekukhetheni le ndlela, siyahlula iintlobo ezinjalo zexabiso lomshuwalense:

• Iinshurensi epheleleyo. Ixabiso le-inshurensi into lilingana nokubuyisela.
• Iproportional.
• Yenza into ngokutsha kunye nomsebenzi womsebenzi. Isetshenziselwa ukuthengiswa kwezinto zasemzimbeni.
• Iindleko zokubuyisela. Imali efunekayo ukulungisa loo nto ifunyenwe.

Ngokuxhomekeke kwizinto ezithile zokubala kweerhafu, umngcipheko ngamnye womshuwalense kunye nendawo enkulu. Ngaphantsi kohlobo olukhulu lomngcipheko kubhekiselele kwiintlekele zemvelo. Ixabiso le-inshurensi apha libalwe ngamanani ahlukeneyo.

Ukubalwa kwexabiso elinqabileyo

Ukufumana iindleko ze-inshurensi, kufuneka uqale ukhethe indlela yokuvavanya into yomshuwalense. Inokuthelekiswa, inenzuzo okanye ichithwe. Kwiimeko ezininzi, indlela yokuthelekisa isetyenziswa. Iindleko zivela kuhlalutyo lwentsebenzo yangaphambili kunye neemeko zemarike. Emva koko, isixa sembuyekezo siyachongwa.

Inkomfa yokubala intlawulo ye-inshorensi xa usebenzisa inkqubo yokubala efanayo yonke indawo. Iinguqu zentlawulo kuphela.

Ifom ifom elandelayo: Q = T · S / W.

Ukubala ixabiso le-inshurensi, sifaka endaweni yefom yeenombolo zokuqala:

• S iyinani le-inshurensi;
• W - ixabiso langempela lepropati;
• I-coefficient ekhethiweyo kule hlobo lengozi.

Iindleko zomshuwalense yehora. Mngcipheko

Uqikelelo lwe-estate estate luhlala luqhutywa kwisebe laseRostekhinventarizatsiya okanye nasiphi na isakhiwo esizimeleyo esivavanya ipropati, enelayisenisi.

Ukuphononongwa kweendleko kuthintela izinto ezininzi:

• Udidi lomngcipheko;
• Iindleko zangempela;
• Ubude be-inshorensi;
• Uhlobo lwezinto ezifunekayo.

Ingongoma ebalulekileyo yicandelo lomngcipheko. Inkampani yomshuwalense ayiyi kusebenza kwilahleko. Yonke ingozi ehambelana nesiphelo somthengi ihlolwe ngumqeqeshi ophezulu - abambhalisi. Laba ngabantu abajongene nephothifoliyo yomshuwalense. Bahlela iintlobo zemingcipheko kwaye banqume ukuba ngubani na oza kuthatha kwaye ngubani na oya kumgatya. Iindidi ezingundoqo zengozi zilandelayo:

1. Ubusela bepropati;
2. Ukulimala kwipropati ngabangenayo;
3. Izingozi zendalo ezahlukeneyo;
4. Iintlekele ezinxulumene neemeko (izikhukhula, ukuhlahlela komhlaba, nezinye).

Kule nxu lumene, iipameters ezininzi zihlalutyiweyo. Ukuba i-real estate iqinisekisiwe, ke indawo leyo, iqondo lokutshatyalaliswa kwesi sakhiwo lihlolwe. Ngokubala ixabiso le-insured, umlinganisi uya kuphinda ahlalutye ixabiso kunye nexabiso le-cadastral yepropati.

Uvavanyo lwe-inshorensi yoshishino

Xa iqumrhu lomthetho liqinisekisiwe, umrhumo ukhethwa ngokusekelwe kubukhulu boshishini. Kwimashishini aphakathi, kukho iirhafu kuphela, ezinkulu - abanye. Ngethuba lokuqingqa, yonke into ithathwa kwi-akhawunti: i-assets fixed, i-capital work, i-stock, kunye neendleko zezo zakhiwo ezingapheliyo.

Xa uhlalutya ingozi, zonke iinkcukacha ezikhoyo zisetyenzisiweyo, njengoko iimali zolu hlobo lwe-inshurensi zikhulu. Kubalulekile ukuqwalasela zonke iinkcukacha ezifumanekayo kwezinye iinkampani.

E-Russia , inshorensi yoshishino yomshuwalense ayiqhelekanga. Isimo esingaqinisekiyo soqoqosho sisenza singathandeki.

Ngaba ndingatshintsha ixabiso emva kokusayina umgaqo?

Emva kokusayina umgaqo-nkqubo, imiqathango yayo ayikwazi ukutshintshwa. Kodwa kukho nezinye iinguqu. Inani eliqinisekisiwe lingaphikiswa yinkampani ngokwayo okanye irhafu xa kukho ukungabaza malunga nokuchaneka kokubala kwexabiso eliqinisekisiwe. Yaye xa inkundla iya kuqhuba ukubonisa ubungqina besikhwama sokuba uyakhohlisiwe, unelungelo lokunciphisa inani lembuyekezo.

Olunye ugugu luyakwamukelwa - isheke sangaphakathi kwinkampani yomshuwalense. Ukuba ngethuba lokuhlola bekufunyenwe ukuba inani lembuyekezo liye lagqithiswa, umgcini-mali uya kuzisa umthengi wokwamkelwa, kwaye isivumelwano siya kubhalwa kwakhona kwaye sixoxwe kwakhona.

Ngokungathandabuzekiyo, ekupheleni komgaqo-nkqubo kukho inzuzo. Ukuba unesiqinisekiso, umntu okanye umbutho ufumana isiqinisekiso sokubuyisela imali yeemali. Kodwa imigaqo yokubala idideka kakhulu, kwaye uninzi lwabatshutshisi abakwazi ukuyiqonda le nkqubo. Ngoko ke, urhulumente kufuneka alawule i-inshorensi.