Izinkokhelo "Rosgosstrakh": ukubuyekezwa. Ngazi kanjani lemali futhi imigomo yokukhokha?

"Rosgosstrakh" ingenye izinkampani zomshuwalense ngobukhulu ezinhlanu eRussia. Yasungulwa ngonyaka ka-1992, futhi uma sicabangela umlando nenkathi yamaSoviet, yaqala ngo-1921. Kuze kube manje, kukhona cishe 80 amagatsha namahhovisi ezingaphezu kuka 3,000 neminyango. Le nkampani ngokukhethekile yomshwalense kanye nezempilo yezakhamuzi, impahla futhi isibopho.

"Rosgosstrakh" siqukethe ekuphatheni inkampani isitokwe ngokuhlanganyela, futhi lifaka phakathi inombolo nezinqubo zemininingwane yezinye izinkampani nge lunye ewumngcingo, ezifana SK "RGS Life", "RGS-Medicine", PF "CSG".

Lesi sihloko iyobheka indlela ekukhokhweni 'Rosgosstrakh' yenziwe. Kungakhathaliseki ukuthi kukhona at yamalungu nale nkinga, futhi uma kunjalo, yini, lokho kuhlanganisani, futhi indlela yokuxazulula kubo.

Umshwalensi wokuzenzakalela

Kakhulu amaRashiya amaningi ancike lolu hlobo umshwalense is "Rosgosstrakh". Ukuze athathe umshwalense phezu CTP, isakhamuzi badinga iphasipoti, zemoto, ilayisense yokushayela futhi ubufakazi ezidlulayo wokuhlola lobuchwepheshe.

Kunoma yiziphi emahhovisi enkampani futhi kuwebhusayithi, ungakwazi kanjani kube semthethweni futhi bandise umshwalense ikhishwa izinyanga ezintathu, eziyisithupha noma nambili. Ethandwa kakhulu, yebo, ujabulele nomshuwalense sonyaka 1.

Lowo Mbhalo wangonyaka we ingasatshalaliswa khona bonke abantu ngeke ukushayela imoto, noma abe nomkhawulo abantu abathile ungeniswe ukushayela le moto. Kusukela leli phuzu ke akuxhomekile nje kuphela esimweni inani inqubomgomo, kodwa futhi ekukhokhweni 'Rosgosstrakh ", uma kudingeka.

Izindleko umshwalense bathembele lezi zinto ezilandelayo:

• isigaba imoto;
• motor yayo;
• ubude umshayeli futhi bakhe noma elilingana naye;
• indawo yokuhlala kanye nokubhaliswa;
• Izingozi, okuyinto usanda umnikazi imoto.

Kuye ngabanye kanye imoto yabo, kunezizathu umgomo ezithinta izindleko.

Izinkokhelo "Rosgosstrakh" ngo-2016

Idatha ekuqaleni 2016, enyatheliswa yi-Russian Union of izinkampani zomshuwalense, yabonisa yalokho esidumazayo salokhu inkampani enkulu. Kwavela ukuthi ekukhokhweni 'Rosgosstrakh "OSAGO zaba ruble 8.5 bhiliyoni, kuyilapho amacala kwakukhona engezansi: ruble 7.7 bhiliyoni kuphela. Kufanele kuqashelwe ukuthi kwakukhona isibalo negative okokuqala eminyakeni 13.

Uma amanani for motor ayimpoqo umshwalense TPL anda ekupheleni konyaka odlule, amabhonasi babe izinkokhelo sikhulu ngamaphesenti ruble abangaba izigidi eziyizinkulungwane ezimbili. Kodwa kunciphe cishe eziyishumi kumaphesenti ayi-ekuqaleni 2016 share emakethe.

Sam "Rosgosstrakh" alisho izinkokhelo umshwalense. Nokho, le nkampani ikholelwa ukuthi lobu sibalo akubonisi ukuthi inhlangano kungashiya abanye izifunda. Izinkokhelo babe amaphrimiyamu ephakeme ngoba kubalwa amazinga ukuthi kuye kwamiswa ngonyaka odlule. Ngesikhathi esifanayo ekuqaleni kuka-2016, "Rosgosstrakh" umemezele ukuthi CTP ayisekho nesithakazelo kule nkampani. Futhi ngasekupheleni March, le nkampani ngisho okwesikhashana ukudayiswa electronic umshwalense. Ngokusho RSA, amaningi njengoba izingxenye ezimbili kwezintathu e-izinqubomgomo kukhona "Rosgosstrakh". Ukulahlekelwa babé kancane kancane, kodwa namanje ziyanda. Ngaphezu inkampani, kuthiwa okuzwakalisa inhlabamkhosi nezinye izinkampani zomshuwalense. Nokho, abaningi, lihlotshaniswa obumbi nezenzo avtoyuristov.

ukulahlekelwa yenkampani - inzuzo avtoyuristov

Ezinye izinkampani zomshuwalense bakholelwa ukuthi iyona Ukweqisa avtoyuristov phambili yokuthi esimweni esibucayi uthuthuva uhlelo. Ngakho-ke, ngisho uhlela ukwethula umthetho owuhlaka kwentelwa kutsi letichibiyelo amanani ngabo bonke izinkampani zomshuwalense siswele ukusebenza kwawo okuvamile.

Kodwa uma izinkampani zomshuwalense obakhathalelayo inzuzo yabo, abavamile abanikazi imoto niyithole enano ngengozi, okuzokwenza yonkhe izindleko olungisa izimoto.

Ngemva kokutadisha izinkundla thematic, kubonakala sengathi, ngokubona abanikazi abaningi imoto, ukukhokhwa "Rosgosstrakh" understates Endabeni ingozi. Kungenxa yalesi sizathu ukuthi banayo ukuba baphendukele ngosizo ochwepheshe - abameli, ukuze "knock out" lemali edingekayo ukuze kulungiswe kusukela inkampani yomshuwalense. Njengoba ubona, abaningi babo bathuthuka enkantolo. Ngenxa yalokho, izinkampani zomshuwalense ngeke zilimale, bese, ungayithathi kalula izinzuzo. Kuyinto umjikelezo omubi. Kodwa emuva umshwalense.

umshwalense yokuzithandela

Ngaphezu CTP, kukhona yokuzithandela umshwalense CASCO. Ngu-CTP ungachazwa ukuthi ekukhokhweni 'Rosgosstrakh "ngesikhathi kwehla ingozi yomgwaqo ku-uveza esimweni umonakalo emotweni ngesikhathi lihlaselwa, ingozi, ukweba kanye nezinye izimo. Kukhona uhlobo ehlukile umshwalense abashayeli abanolwazi, ngokuthi "Crisis Hull." izindleko zayo, uma kuqhathaniswa ezivamile, kancane kabili.

Ngaphezu CTP angathengwa DSAGO noma DPP, lapho umonakalo ukhishwa uma kubangelwa iphutha umshayeli.

CTP: ukukhokhelwa lomshuwalense

Inkampani yomshuwalense okhokhela imali lapho umcimbi insured, uma:

• Wahlupheka umhlanganyeli yemoto longenacala kulesi sigameko;
• ezilimele amarobhothi noma izimpawu DD;
• umshayeli kwalimala noma umgibeli.

Isinxephezelo ngoba ukulimala impilo yabo ingaba ruble kuze kube anamakhulu mahlanu, namafa - ezine. Inkokhelo zingenziwa kokubili imali kanye ngokufeza umsebenzi wokulungisa. Kulo mBhalo, uma umonakalo owenziwe imoto ezingaphezu kuka inkampani kungenzeka ukhokhe, lemali esele kumele buyisela umsunguli yengozi.

Inkampani yomshuwalense kungakadluli ngemuva kwesigameko izinsuku ezingu-15, kufanele unikezele i-passport, ilayisense, isitifiketi zokubhalisa TC isitifiketi zezingozi zomgwaqo, isaziso yengozi kanye ikhophi olandelwayo.

Kuthiwani uma lemali yokukhokha understated

Ngakho, amaphepha ahanjiswe, futhi ulindele ukuthola inkokhelo ukuze kulungiswe. Kodwa kungazelelwe kuvela ukuthi lemali zidluliselwa ku-akhawunti, useyile ngokucacile, futhi ngeke amboze zonke izindleko lapho ngokuletha imoto a ukubukeka evamile. Yini kungaba izenzo zakho?

Othile kuzothatha lokho ahlinzekwa, futhi ngeke siyeke. Abanye bayofuna ukukhokhelwa kahle. Uma ukhetha indlela yesibili, kuzodingeka oda kokuxilongwa ezimele ukuthi esikhathini esizayo kungaba ubonisa ngendawo sudyas lemali nenkampani "Rosgosstrakh". Inani yokukhokha kuncintisana ngaso ngu izinyathelo yokuqala kulandela:

• kuhanjiswa isicelo ehhovisi lapho inqubomgomo ngemvume ke;
• shayela hotline;
• isikhalazo ubuholi.

Kwenzeka ukuthi isenzo esinjalo kumanele ekukhokhweni zokubuyekeza. Nokho, uma inkampani uyaqhubeka wenqaba ukukhuphula inani, ungafaka isikhalazo PCA ke zisebenza iseluleko sezomthetho nokulandela izenzo letiphakanyisiwe khona ukufaka isimangalo.

luhlolo ezimele

Cishe bonke iseluleko uzokutshela ukuthi udinga oda kokuxilongwa ezimele. Le sevisi ethandwa phakathi abanikazi imoto. Phela ukuzihlola izinkampani zomshuwalense ngokuvamile akuzona konke ezimele. Ngokwesibonelo, singase singakuboni yokuphambana okufihliwe, uyokwambulwa kuphela ukulungisa. Futhi ke lokhu ukwehluleka kufanele zikhokhelwe ephaketheni ophathwe kabuhlungu.

luhlolo-Independent, ngaphambilini bebodwa, kumele ikhokhwe. Kodwa uma imiphumela yokuhlolwa kuzohluka kulowo eyenziwa izinkampani zomshuwalense, futhi ngeke inselelo-ke enkantolo, esitatimendeni kwesimangalo kufanele waveza ukuthi kokuxilongwa ezimele bezindleko umshwalense abangu ibuyiselwe.

Ngaphezu kwalokho, uma izinkokhelo baphikisana ngaphansi CASCO, avtoyuristy abanolwazi zihlanganisa kuwo imfuneko ngoba umonakalo okungezona yezimali, esimweni yokuzithandela ngokuvamile wanelisa ukuphepha enkantolo, futhi izinkampani zomshuwalense musa khumbulani.

luhlolo Independent

Ngakho, lokho kuhlolisisa ezimele Kwenziwa kanje. Ingozi oda umhlanganyeli kanye lokhokhela isevisi ke, ethola idokhumenti yokukhokha (ngesisekelo okuyinto inkantolo uzobe izindleko okumele akhokhwe). Kuyinto efiselekayo ukuchaza umehluko wemisindo nemiqondo yamagama ukuthi kubonakala engabazekayo ukuhlolwa inkampani yomshuwalense. Ngokwesibonelo, ayizange kwembula ukuthi wayenezinkinga ezifihliwe.

Uma kudingeka, ukuzihlola uyavumelana kokuxilongwa ezimele endaweni kanye nesikhathi sokuhlolwa nabantu abaseceleni. Uma kubhekwa konke ukulimala imoto, bese kuba nengozi, obhalwe ngokucophelela by bethwebula nencazelo enemininingwane. Ngaphezu kwalokho kwenziwe izibalo okunembile edingekayo izingxenye ezisele kanye nokubuyiselwa. Ikhumbula lemali zamanje wabenza ogunyazwe uma imoto isevisi, noma isilinganiso. Okunye futhi okubaluleke ngokufanayo bafake isici. Ulwazi amanani othathwe ezinkulu inthanethi Internet noma izitolo endaweni le ngozi yenzeke lapho. Njengoba yenziwe ngu umbono uchwepheshe. Ngokuvamile, lezi zinhlangano ukunikela, nokusekela zomthetho okwengeziwe, Ogcina icala enkantolo.

izinkokhelo isinxephezelo

Uveza "Rosgosstrakh" endabeni yokukhokha we plan isinxephezelo. Lokhu liphathelene SAR. Kunemininingwane ephelele yezizathu ezilandelayo ziyadingeka isinxephezelo:

• SC ucabanga;
• ekupheleni eside kwelayisensi yayo;
• akunqunywa ibangelwa ekuzwakaliseni ukulimala isisulu;
• ngesikhathi ibangelwa akuyona umshwalense kwanoma iyiphi IC, kuhlanganise "Rosgosstrakh".

Njengoba ukukhokhwa isinxephezelo motor ayimpoqo umshwalense TPL. Bathembele amaholo nezinye engenayo isisulu, kanye nezindleko for ekwelapheni ukulimala wathola kule ngozi. Isinxephezelo izinkokhelo eziphathelene ukuphila nempilo yabantu kwesamba, isukela 24 ruble 60 000.

Inani izinkokhelo

Uma kuhlelo lokusebenza "Rosgosstrakh" yokukhokha, kanye neminye imibhalo sigcwalisiwe, kumele ulindele isinqumo inkampani yomshuwalense. Yiqiniso, abaningi bafuna ngokushesha ukuthola lemali okumele okuthiwa. Kodwa ngokuya website, lutho kodwa isimo icala futhi isibalo sakho umyalo wokukhokha, ngeke wazi.

Ngu-e-mail futhi bethumelelana imiyalezo ngokushesha ocingweni izothunyelwa ulwazi mayelana nesinqumo sokuthi sathathwa. On isimo uzokwaziswa uma ushayele inombolo yokuxhumana inkampani "Rosgosstrakh". Funda zokukhokha ku Ngokwamanani emali, ayikho kulezi zindlela ngeke zisebenze.

Ngazi kanjani inani inkokhelo, futhi ngokushesha kanjani imali ngizoya akhawunti?

Ingabe ikhona indlela yokuthola lolu lwazi inombolo yecala? Cha Isamba empeleni iyokwaziwa ngisho kuphela uma kunjalo izobuyekezwa futhi adluliselwe imali ebhange. Leseluhleni emva isinqumo zingakapheli izinsuku ezintathu ukusebenza. Nokho, isikhathi ekukhokhweni 'Rosgosstrakh "lokhu akusebenzi. Iphuzu, ngokuvumelana neziqondiso, kubhekwa izinsuku ezingu-30. Ngaphezu kwalokho, isikhathi kungaba kokubili uhlamvu ngabanye.

Ngalesi sikhathi, singakwazi ukubala inani lemali cishe yokukhokha bebodwa. ine wokubala inthanethi kwi-website esemthethweni inkampani ngalo ungase futhi ukuya kwi usayizi ethize. Kodwa kukhona okuningi ungafunda lemali phezu okuvela yengozi. Kodwa MTPL futhi CASCO kudingeke silinde ukuthi ngeke anqume ukwenza izinkokhelo "Rosgosstrakh".

Ukubuyekeza: ukwamukela isinqumo noma ukumangalela

Abaningi e okuhlangenwe nakho kwakhe okubuhlungu ukuthi ezimweni eziningi ku-CTP yokukhokha uma ingozi siwathathe kancane. Ngezinye izikhathi engenele ongafinyelela 80%. Okufanele ukwenze ezimweni ezinjalo, abanikazi imoto, kukuwe kubo.

Abanye abafuna ukuqonda ngokushesha zonke futhi uthathe lemali ukuthi zinikelwe. Abanye bafuna usizo iseluleko sezomthetho futhi umangalele inkampani.

Njengoba umkhuba ubonisa, ngisho nokuphathwa UK siyakuqinisekisa lokhu, avtoyuristy "babamba inkunzi" of izinkampani zomshuwalense, uma ukuthatha icala. Lokhu kusho uma umhlanganyeli ingozi akusho anqume ukuthi bafuna ukumangalela, ukuthi yithuba elihle kuzuzwe umphumela omuhle.

Ukwahlulela ngokubukeka ukubuyekezwa aseleyo kakade lidlule abashayeli test, abantu abaningi banqume ukungawugubhi ukwamukela ongaphakeme ukukhokha, futhi silwele ukuthola leyo mali, okuyinto buyisela ngokuphelele umsebenzi wokulungisa imoto. Nokho, ngisho noma ngabe "Rosgosstrakh" ngomqondo ovulekile akufanele ukwandisa inani inkokhelo, kungaba adinga onecala.

isiphetho

Ngakho izinto namuhla "Rosgosstrakh", yamalungu ayo zikhokhelwa. Yiqiniso, noma iyiphi inkampani ebhekene amakhasimende enganelisekile. Futhi uma kukhona isizathu ekuqaleni uvalo futhi singathandeki, kanye imizwelo eyakhayo Asizalwa njalo.

Kodwa, ngakolunye uhlangothi, ukhokha i-umshwalense njalo, umnikazi imoto bangathembela ukukhokhelwa wathembisa ngokomthetho. Ngakho-ke, uma kwenzeka khona ingozi, kubalulekile ukufuna isixazululo nje ecaleni lakhe. Emva kokuthi ukhokhe zomshuwalense "Rosgosstrakh" kufanele kufake ukukhanda imoto, ngikutholile ngesikhathi kwehla ingozi yomgwaqo kungephutha umnikazi.