Lesi sihloko uzokutshela ngendlela elula futhi esheshayo ukubhekana embuzweni: iyini inkampani yomshuwalense ukukhetha.

1. Ukukalwa angaphandle isilinganiso ejensi

Uma inkampani yomshuwalense has ukukala of angaphandle isilinganiso ejensi: Standard & empofu; Fitch; UMoody, AM Kuhle akuyona ngaphansana BB +. Lokhu imibuzo inkampani yacela. Nakuba ejensi isilinganiso, futhi wafunga ngesikhathi sakhe, kodwa namuhla, kudingeka nje babeke ucishe yokuba nomuzwa ocacile wokuba isimo kule nkampani.

Sikugcizelele ukuthi leli phuzu mayelana nokulinganiswa angaphandle ejensi. Bambalwa izinkampani Russian Unokulinganisela angaphandle: SOGAZ, Ingosstrakh, Rosno ...

Ngokwesibonelo, izilinganiso uMoody kwi izinkampani zomshuwalense isiRashiya, umphumela - ukukhishwa ezimbili cindezela, isilinganiso esisodwa, futhi ingaphansi zokubuyekeza.

2. Ukukalwa Russian isilinganiso ejensi

Ngokomlando ukuvikeleka kwesitjhaba, singasho ukuthi kwaba nezigameko lapho sohlelo Russian isilinganiso ejensi, waphendula emva sokwesulwa ilayisensi, kule, ngokombono wethu kungenziwa ngokugcwele omethembayo kuphela izilinganiso Isazi RA ejensi, inqobo nje uma isilinganiso yenkampani okungenani A + (!).

Njengoba ungase ubone uhlu akulona ukuthi big: BTA Insurance Company; Alpha Insurance; Alliance; FAC; VTB Insurance; Hephaestus; Iqembu Renaissance Insurance; Rosgosstrakh Group; "Capital Group"; Guta-Insurance; Generali PPF umshwalense jikelele; ZHASO; Ingosstrakh; -MAX; Medexpress; Pari; RESO-Isiqinisekiso; RSK; "Sterkh"; SC ALROSASK; TransneftSK; "Chartis"; SOGAZ; kwemvume; Insurance Group IIC; Insurance Group UralSib; Insurance Company "Surgutneftegas"; TIT; Zurich; Eziphuthumayo Insurance Company; Chulpan; Energogarant; ERGO Rus

3. Uma ukhetha MTPL noma CASCO umshwalense

Yiqiniso, ngokuhamba kwesikhathi akunandaba lapho oVikelwe CTP: ukulungisa lokuqala abazange oludingayo, futhi lowo muntu oyifakile (wena, yebo Hull inkampani esinenhlonipho), kanye MTPL izinkokhelo kuqinisekiswa isimo.

Kodwa, sikhuluma iqiniso nawe kubantu ihloniphekile futhi iletha ofanele labo ... ngakho ... into ebaluleke kakhulu ukuba babheke inkampani kwadingeka yokwanda okusheshayo iimali CTP yoy. Njengomthetho (e 9 Ezimweni aphume 10) kuyinto kuyisandulela iqiniso ukuthi izohamba emakethe, futhi isisulu yezenzo zakho Ngumuntu omuhle - uthole entabeni zezinkinga ekhanda lakhe

4. Uhlu iDemo

isinyathelo sokugcina: ngakususi izinkampani ngokusemthethweni zithengiswa (kulezi zinkampani akuyona kumakhasimende, bona bararulule imiraro yabo) kanye sithola uhlu lokugcina.

Uma sizibuza ukuthi inkampani lahlala uhlu olufushane kodwa akanandaba yena ukuqonda lo mbuzo - ukubhala, thina izokhipha imiphumela yocwaningo.

C nenhlonipho, "polyols Insurance" ithimba.