Inkampani yomshuwalense - Iyini? Sakhiwo Umsebenzi

inkampani yomshuwalense - inhlangano yezimali esiletha usizo umshwalense ukuze ngabanye, izinhlangano lwezinhlobo ezahlukene ubunikazi. Ukuze uqonde izindlela izinkampani umshwalense kudingeka sicabangele izimiso isinxephezelo ngemali abantu insured.

Kuyini umshwalense

Umshwalense - indlela ukuvikela izithakazelo zabo, inhlalakahle ngaphansi kwezimo ezingezinhle. Amathuba izenzakalo ezinjalo incane, kodwa ngokuvamile, kuyinto ehluke ngempela. Ngokusekelwe idatha izibalo, kunqunywa ingozi kwesamba, insured lemali futhi izinga. Isinxephezelo ngoba umonakalo kuphela kwenzeka endabeni ephetha inkontileka umshwalense. Umthombo we imali kodwa zibe sebuthweni lezokuvikela kanye nezimali izinkampani zomshuwalense (SC).

Ezweni lethu, kube nesisekelo esingokomthetho sokuthethelela ukuhlinzekwa kwezinsizakalo enjalo yilezi:

• Umthetho 1992 "On the Inhlangano Womshuwalense Business in the Russian Federation."
• I Civil Code of the Russian Federation.
• Amanye amadokhumenti.

Umphumela umkhiqizo umshwalense, okuyinto uhlu amasevisi umshwalense enikeziwe. Ubufakazi umshuwalense umshwalense. It ukhonza njengelungu uhlobo isiqinisekiso sokuthi okuvela kwezimo ezithile inkampani yomshuwalense uyothatha isibopho sokubuyisela isamba elicacisiwe imali esivuna abazuzayo wokugcina.

Yiziphi izinkampani zomshuwalense

Standard Insurance Company - inhlangano bathinteka engena inkontileka amasevisi umshwalense kanye nokugcinwa. Ezweni lethu, njalo SC - inhlangano engokomthetho has a enhlokodolobha ethile abagunyaziwe futhi ufunde ngamasevisi zabo ngesisekelo imithetho ekhona.

Ukunikeza imikhiqizo yomshuwalense - umthwalo ngqo izinkampani zomshuwalense. Kususelwa ematfuba nesenzakalo ubungozi, Umshwalense ejenti ukunikela nomshuwalense kanye isiqinisekiso ukuliliswa ngaphansi kwezimo ezingezinhle.

Yiqiniso, njenganoma iyiphi inhlangano kwezohwebo, injongo inkampani ihlose ukwenza inzuzo. Kodwa okwakuvela ohlotsheni olukhethekile lwenkanyezi umsebenzi ivumela buthelela ekulandiseni izizumbulu zemali, okuyinto ngokufanelekile kungaba bachithe inkampani yomshuwalense. Lokhu ubukhazikhazi zezimali zinganikezwa nezinye izinhlangano izimo abolekise kwezohwebo. Imigomo utshalomali kuncike umshwalense imithetho kazwelonke iziphathimandla zezimali. ERussia, kuba-Ministry of Finance kanye Central Bank.

Izinhlobo Insurance Companies

Ukwahlukanisa izinkampani zomshuwalense is nhlobonhlobo. Ngokwesibonelo, umshwalense izinkampani eMoscow ngezimiso zawo ichaze ngokwabo njengoba ibhizinisi akahulumeni, ngasese futhi kamasipala. Ehlukene efana le nhlangano kanye ubunjalo amasevisi anikezwa. Kukhona esinda izinkampani ezithile, zisize ibhizinisi ukuhlinzekwa kwezinsizakalo umshwalense eziningana ezifana yomshuwalense auto.

Kukhona multi-IC, okungase ukuthathelwa umshuwalense zonke futhi yibo bonke. Kube Reinsurance Umshwalense nezimali impesheni yangasese, futhi, endleleni, ebhekisela izinkampani zomshuwalense ukuze. Ziyahlukahluka kuye e-UK futhi indawo yesevisi, lapho banikela umshwalense. Izinkampani zemishuwalense ziyadingeka nomshuwalense abathengi - ngoba kulapho iminikelo ejenti ukubutha, ngokushesha kuzokhulisa yenzuzo yenkampani. UK isinyathelo endaweni ethile, amagatsha kanye namahhovisi omele ukuvula. Ayisebenzi, lezi amabhizinisi zihlukaniswe zibe:

• izinqubomgomo sipho umshwalense endaweni noma esifundeni esithile - wendawo;
• yesifunda - abe khona ezifundeni eziningana, izikhungo ezizimele;
• kazwelonke - usebenza kulo lonke izwe;
• international - amawofisi noma amagatsha kwamanye amazwe.

Ukulinganiswa kwe- izinkampani zomshuwalense

Njalo abezindaba kukhona imibiko mayelana indawo rankings of ukuthembeka nokuduma e is eyodwa noma enye inkampani yomshuwalense. Le nsada yokudla ulwazi umqondo kufanele zidonse ukunaka kwanoma abanikazi kwenqubomgomo okungase kwenzeke futhi ubakhuthaze ukuthi ukuthenga izinsizakalo umshwalense ukule inkampani. Kule ngombono, singacabangela nokuncenga izinkampani zomshuwalense eziningana anikeza izinkonzo zabo enhloko-dolobha nangale. Yini babhala ngabo izinkampani zomshuwalense? Yini impumelelo siqu bekhulisa leyavela? ungathatha ezimbili yenani Indlela kakhulu ukuhlaziywa zidlule kumawebhusayithi izinkampani zomshuwalense, kanye yekucala - nenani umshuwalense - okungukuthi, inani izinkokhelo esenzelwe nomshuwalense, kanye nenani izinkokhelo umshwalense, lapho le nkampani edayiswa 2015.

"RESO-Isiqinisekiso"

Le nkampani "RESO-Isiqinisekiso" uye kahle ngokwaso njengoba omunye umshwalense Russian abadlali ngobukhulu emakethe. Okwamanje, yena nguye onqobile mncintiswano lonke "Brand Yabantu / Brand №1 eRussia", winner eziningi umklomelo "Golden intulo", owawina "lwezezimali Olympus" National Award winner kule mikhakha "umshwalense VHI" futhi "Auto".

Ngaphezu kwalokho, "RESO-Garantia" yayibekwe wesithathu ngonyaka odlule seqoqo amaprimiyamu - ruble 276 billion. Izinkokhelo zaba 124,2 bhiliyoni - okungukuthi, esicishe sibe ingxenye yenkathi izimali eziqoqiwe inkampani awuniké abantu kwesamba.

IC "MAKS"

Le nkampani yasungulwa emuva ngo-1991. I okubalulekile mayelana umshuwalense auto self-echazwe; Hull futhi MTPL, umshwalense wezokwelapha yokuzithandela futhi umshwalense impahla. Uhlu impumelelo - aphakeme etholakalayo nokwethenjelwa nokukalwa kazwelonke isilinganiso ejensi "Isazi RA". Kuleminyaka 2015 inkampani yomshuwalense "MAKS" wabuthelwa ruble ezingaphezu kwezigidi eziyizinkulungwane ezingu 37,2, bese izinkokhelo zaba cishe 92%.

"SOGAZ"

inkampani yomshuwalense of the gama elifanayo angababaza kufanele abhekwe njengendoda kazwelonke - it has amagatsha kuzo zonke izifunda ezweni lethu. Ukuhlaziya umbiko wokusebenza kwezimali ibonisa ukuthi ngo-2015 ngevolumu umshuwalense zaba ruble yizigidi eziyizinkulungwane 78. Umthamo izinkokhelo ngenxa izingozi oVikelwe - ruble 27,3 amabhiliyoni.

"Imvume"

Inkampani yomshuwalense elinegama elifanayo usebenza emakethe yomshuwalense amasevisi phezu 22 iminyaka. Ngezenzo ubambisana abezindaba, uye efakwe inethiwekhi yayo siqu amahhovisi, begodu nokobana amasevisi zayo ngokusebenzisa abaxhumanisi. On imiphumela 2015 inkampani wathola ruble ka umshuwalense 56 bhiliyoni, wabe esekhokhela ruble 46,5 amabhiliyoni.

Ukuze labo abangase babe abathengi izinombolo eliphezulu izimali umshwalense ukuphakamisa IC ukuthembeka kwato zezimali. A izibalo ekhokha okubekiwe ekutholweni ukulungela UK ukuhlangabezana amaklayenti ayo. Omunye umbuzo - indlela lezi zibalo ziyiqiniso. Ukuze sithole ukuthembeka enkampanini yomshuwalense uyobheka aphume indawo imibiko yakhe, ngokuvumelana Ministry of izidingo Ezezimali, ulwazi efana nalena iqinisekiswe ngabe ubuholi be-UK, esikhathini esizayo kufanele utholakale kumawebhusayithi inkampani yomshuwalense. Izitatimende zezimali zibonisa nokwethenjelwa ukusebenza izinkampani zomshuwalense ozinikele. Futhi ezithakazelisayo iyona ukuhlaziya izibuyekezo izinkampani zomshuwalense, nakuba lezi idatha okufanele ziyikholelwe kancane - we Izibuyekezo omuhle nje kukhokhelwe, futhi ezinye ezimbi kungenziwa eyabhalwa izakhamuzi, okuyinto ayikwazanga ukuthola inkokhelo ngenxa yezizathu inhloso. Ukuhlaziya lolu lwazi angakunika ukuhlolwa ezithakazelisayo izitayela ekuthuthukiseni UK ozinikele futhi emhlabeni umshwalense emakethe Russian iyonke.