Umcimbi oqinisekisiwe uyisenzakalo esenzeke enkonzweni

E-Russia, kunezinkampani ezimbalwa zomshuwalense ezihlinzeka ngemisebenzi yabo emphakathini. Kulesi sihloko sikhuluma ngendaba yokuthi umcimbi womshuwalense ungumsebenzi we-fait accompli, okusho ukukhokhelwa okuqinisekisiwe kumuntu oqinisekisiwe ngumthetho.

Izinhlobo zomshuwalense

Ubudlelwane obuvikela amalungelo abantu ngabanye kanye nezinhlangano zomthetho, izikhonzi zeRussia Federation nezinhlangano zikamasipala lapho kwenzeka izigameko ezithile ezingathandeki ngenxa yezimali zemali ezakhiwe ngabashuwalense eminikelweni ekhokhwayo noma ezinye izindlela ezibizwa ngokuthi umshuwalense. Kuphoqelekile futhi ngokuzithandela.

Izinhlobo:

• Ubuntu - wezokwelapha (ezempilo, izingozi) kanye nomhlalaphansi. Ngokwakhe, imikhiqizo eminingi ehlukene iye yasungulwa.
• Imithwalo yemfanelo yomphakathi (umonakalo empilweni noma impahla kubantu besithathu - amabhizinisi noma izakhamizi).
• Impahla (izimpahla, noma yiziphi izimoto, izingozi zezezimali).
• Ukuqinisekiswa kuyisimiso sobuhlobo obuhlanganisa ukudluliselwa kwengxenye yomthwalo wemfanelo kusuka kumuntu oyedwa kuya kwezinye izinkampani zomshuwalense.

Ubudlelwane phakathi kwabashuwalense nabanikazi bezinqubomgomo

Ingabe icala lomshuwalense noma yimuphi umcimbi omubi? Lesi sitatimende sibhekene nokucaciswa ngenxa yezimo ezithile ngaphansi kwenkontileka, lapho izibopho zamaqembu kufanele zichazwe ngokucacile.

Ngaphansi komthetho, umcimbi womshuwalense awusizo izimo ezingekho esimweni esenzeke neqembu elimele, kodwa izenzakalo ezenzekile, zizinzile ngokuvumelana nenkontileka.

Abashuwalense basisekelo sokuhlinzeka ngezinsizakalo zabo ukuvikela amalungelo amacala abo kanye nokwamukela ukuphepha kokukhokhwa kwemali uma kwenzeka izimo ezingalindelekile ezichazwe ngesivumelwano esiphelile phakathi kwamaqembu.

Abashuwalense ngabantu (izinkampani zangasese noma izinkampani) bakhokhela amaphrimiyamu yomshuwalense futhi bathola isinxephezelo uma kwenzeka kwenzeka imiphumela emibi ehlukahlukene enqunywe enkontileka.

Kutjho ukuthini imicimbi ye-insured

Isehlakalo esiqinisekisiwe siyiqiniso eliqinisekisile lokubangela umonakalo kumuntu ophephile, ngenxa yalokho umnikazi wezinqubomgomo obophezelekile ukuyibuyisela ngokuvumelana nomthetho kanye nemigomo yesivumelwano esiphethe.

Umcimbi oqinisekisiwe ngu:

• Kufika ukugula emshuwalense wezempilo.
• Ingozi eyenzeka lapho imoto ishayisa ingozi.
• Ukweba nomlilo wempahla.
• Ukushaya imali.
• Izinhlekelele zemvelo (izikhukhula, iziphepho, iziphepho).

Lezi zinhlobo zivumelekile kuphela uma zichazwe ngesivumelwane sesikhwama, esitshela ukuthi umcimbi womshuwalense uwukwenzeka kwezimo ezingekho esimweni lapho kudingeka khona ukufaka isicelo kumshuwalense. Uzomema umhloli wezimali futhi enze inkokhelo yezinxephezelo ngenxa yokulahlekelwa okufakiwe.

Njengamanje, kunezinkampani eziningi eziye zakha indawo eqinile emakethe yomshuwalense. Ezinye zezinkulu kunazo zonke yi-SOGAZ, i-Rosgosstrakh, i-Ingosstrakh, i-Soglasie, i-Alliance, i-RESO-Garantia, i-Alfa-Insurance, i-VSK, i-VTB Insurance kanye ne-MSK Insurance Group ". Lezi zimali zinegama elihle, izinqolobane ezinokwethenjelwa futhi zilungele ukunikeza amakhasimende abo imikhiqizo ehlukahlukene enenzuzo.