"FAC" uhlaziyo kwinkampani ye-inshorensi. inkampani yeinshorensi Rating "FAC"

Abantu abaninzi eRashiya, kuqala wakhwela kwimeko obungaqhelekanga, ezibuza ukuba uyakwazi uthembe izithembiso zemibutho yokubonelela i-inshorensi yoluntu. "FAC" inkampani yomzalwane simo inshorensi asingabo indawo entsha, kodwa aphikisane ukufaneleka unyango kwenye abameli balo musa lingapheli.

Eyona engundoqo Ipharamitha ukukhetha kwinkampani ye-inshorensi

Yintoni ekufuneka ithathelwe ingqalelo, ukukhetha inkampani ukuba ukugqiba isivumelwano-inshorensi? Lo mbuzo sinzima, hayi nje kuphela ngenxa wabaqalayo, ndicelela nabo abaye bajamelana ngokuphindaphindiweyo noshishino insurance. Okokuqala kufuneka ufumane iimpendulo kuthotho elandelayo lwemibuzo:

1. Kunini na inkampani esebenza kwimarike ye-inshorensi?
2. Nokuba lo mbutho eli ke linokuthenjwa ngokwaneleyo?
3. Yintoni rating (esekelwe kwi-arhente yokulinganisela kunye nezimvo zabantu) i-inshorensi?

Esi sigqibo, ukongeza, ezi zinto zilandelayo ezinokuchaphazela:

- yenkampani iindleko zeenkonzo;

- indawo kwisebe okanye kwi-ofisi;

- izindululo abahlobo nezalamane.

Imbali lokuqulunqa nokuphuhlisa bombutho

Vula Joint Stock Insurance Company, eyaziwa ngokuba kwinkampani ye-inshorensi "FAC", inika iinkonzo kuluntu kunye nabameli ishishini Russian ngoFebruwari 1992.

Lo mbutho inophawu iphela. Le mvume afunyenwe yinkampani ivumela abasebenzi balo ukuba benze-inshorensi amaqumrhu asemthethweni kunye nabaxumi zabucala kwiintlobo ezininzi lweenkqubo (kwama-100). Ukongeza, lo mbutho unika iinkonzo kwi reinsurance, leyo izahlule kwimibutho ezifanayo ngohlobo wenkampani. "FAC" (inkampani ye-inshorensi) sithethanje ezingaphezu kwezigidi ezili-10. Abathengi Private kwaye ngaphezu kwama-125 amawaka amaqumrhu asemthethweni.

Phantsi esi shunqulelo "SSC" ngaphambi 2011 sifihla igama "Military Insurance Company". Emva ukuthiya ngokutsha eli ziko Wabalwa inshorensi zasekhaya njenge "Bonke-Russian Insurance Company". Kulo nyaka, oko kwazeka malunga yayikukufumana elivisa "FAC" inkampani «RESO-Guarantee" (25%). Njengenxalenye kwinkampani ye-inshorensi kuquka amaziko afana "FAC-Inceba" kunye LLC "VSK-Med".

Ngo-2012, i-OJSC "FAC" oluleyisayo nyaka-20 imbali. Ngokutsho uvavanyo olwenziwa yi-arhente rating "Expert RA" ngo-2002, lo mbutho ilinganiswe njenge A ++, nto leyo ibonisa ukuba inqanaba eliphezulu kakhulu kukuthembeka. Le nkampani iyakungqina oku ubume yonke iminyaka elandelayo umsebenzi kwimarike Russian.

Lo mbutho ngoku usebenza nge ezimbini iimpawu :

1. "Bonke-Russian Insurance Company".

2. "VSK Insurance House."

Uthungelwano yengingqi ye-All-Russian Insurance Company

Ngeli ixesha elidlulileyo okoko kwasekwa umbutho, oko ukwenzile lukhulu. Branches of inkampani-inshorensi "FAC" zifumaneka kuyo yonke imimandla yelizwe lethu. Inani bale mbutho sele idlulile 750. Uthungelwano olubanzi amasebe kunye ofisi All-Russian Insurance Company iqulathe amasebe ezininzi kwaye iinkampani zayo ise kuwo onke amaziko olawulo kunye woshishino lizwe. "FAC" umntu kufanele ingqalelo yeinshorensi likhulu kwisikali federal, ihamba phambili ngezigaba ezininzi imarike inshorensi lwasekhaya.

Uphi na inkampani ye-inshorensi "FAC"? imibutho Ofisi Local kule ngingqi bayacetyiswa ukuba batshekishe kwi website yakhe esemthethweni. I-ofisi Intloko OJSC "FAC" use eMoscow (p. Isiqithi, 4).

Phone: 785-27-76 (ukhowudi 495) 727-44-44 (khowudi 495).

Uluhlu yinkampani insurance

Bonke-Russian Insurance Company inika abathengi yalo kunye nokhuseleko olubanzi impahla kunye nomdla zobuqu. Phakathi ngeenkonzo ezinikezelwa yi-OJSC "FAC" abantu kunye namashishini, ithandwa kakhulu inshorensi:

• evela iingozi kunye izifo;
• impahla (ngaphandle izithuthi);
• ngenxa yezizathu zempilo;
• izithuthi ezahlukeneyo (umhlaba, amanzi kunye nomoya);
• abakhweli kunye serhasi;
• yeTyala kuLuntu kwabantu kunye nemibutho;
• izityalo kunye nezilwanyana;
• iingozi zemali noshishino.

The main eziluncedo

Ukubuyekezwa Emihle 'VSK "Iinkampani ze-inshorensi zibonisa ukuba agents kukwazi ukuphonononga izinto ezifana:

• Ubukho kukho inani elikhulu ofisi zemimandla, eyenza abaqeshwa bombutho ukunika uluntu lonke uluhlu lweenkonzo inshorensi zesisombululo enkulu kangangoko nengenzulu beli lizwe, ngokunjalo ukwenza iintlawulo amatyala inshorensi kuyo yonke iRussia. Akukhathaliseki apho wawongwa isivumelwano kubonelelo ngeenkonzo ze-inshorensi.

• Izinga eliphezulu kukuthembeka, abantu ngendlela kuqinisekiswa yi-arhente rating, sisisiqinisekiso ukuzaliseka kwangethuba izibophelelo ngumbutho ukuze wonk 'ubani uya OJSC "FAC". Ngenxa portfolio inshorensi elungeleleneyo, oovimba ezaneleyo inshorensi kunye nenkqubo reinsurance, ithuba imilinganiselo wombutho inciphisiwe.

Injongo yovavanyo lwemisebenzi yenkampani

Iingcali zikholelwa ukuba ukuhlolwa abantu ngayo kwinkampani yeinshorensi "FAC", thaca kwiiforam websites-otzovikah ngokubanzi i ubudlelwane ngenene yoluntu, yenzelwe ukutsala abathengi ezongezelelweyo. Nika uvavanyo esibi insurer kule mibutho eziphambili ezikhuphisanayo, kunye nabathengi abazange ukufunda ngokwemiqathango yezivumelwano inshorensi ngexesha wokutyikitywa la maxwebhu.

ingxelo Abantu kaThixo luluvo kakhulu, ngenxa yokuba umniki nkonzo ngamnye zombini nabalandeli nabagxeki. Ukongeza asifanele, wonqanyulwa, ubukhulu enye ingena onke amasebe kwenkampani bonke abasebenzi bayo. Ukuba umntu inshorensi okuququzelela naziphi iingozi, ejongene nomsebenzi ombi komphathi elithile, ngoko ke ingxelo embi malunga inkampani kufuneka ayise umqeshwa (kunye isalathiso "FAC" igama lomqeshwa kunye nendawo kweeyunithi).

Kufuneka kuqatshelwe ukuba, ucwaningo abathengi, nokurhafiswa kwinkampani ye-inshorensi "FAC" usezantsi kakhulu - umbutho nkonzo amalungiselelo akukho ngaphezulu kwe 1/3 abantu uqhelene kunye neenkonzo zayo. Le nyaniso kakhulu elula ukucacisa: yeinshorensi ligxile kakhulu iinkonzo amaqumrhu asemthethweni, hayi abathengi ngamnye.

Inkampani yeinshorensi "FAC": reviews abathengi yanelisekile

Uhlolo emihle iinkonzo inshorensi ezinikezelwa ngumbutho, zibe anqabe kakhulu ngaphezu kwayo ezimbi, nto leyo ngokucacileyo ngenxa inkalo nomqondo Russian. Abantu kunqabile ubhale ukubuyekeza kwinkampani, iinkonzo ezo ziyahlutha. Enyanisweni, agents anelisekile nale insurer, kakhulu ngaphezu kusenokubonakala xa efika kuqala. Makhe zama ukufumana phandle mathuba kufuneka abathengi wothuka i OJSC "FAC":

• inkampani ye-inshorensi (insurance ikhaya) uvelisa amaphepha kunye nokuhlawulwa kwemali ngenxa ngokukhawuleza kwaye ngaphandle mbuzo, nangona yezothutho ezindleleni, waba ingozi, uthenge ngetyala. Ngokutsho kwiqela lohlolo ezintle zabanini imoto inshorensi kummandla eMoscow, umgangatho nkonzo kakhulu eliphezulu.

• Ukususela amazwi abaqhubi beemoto, ukuba wayanelisekile inkonzo kwi "FAC" (inkampani yeinshorensi). Uphengululo (CASCO) eemviwo zidla ngokubonisa ukuba abasebenzi zenkampani ukwenza uhlolo kwangethuba izithuthi kunye nokubonelela abathengi kunye uluhlu lwezitishi ozibandakanye oomatshini yokulungisa, waba ingozi. Nangona imbuyekezo ixesha elide, ubunzima kunye nokubuyiswa asethi akuthethi ngokuqhelekileyo kuvuka.

• abathengi abaninzi ngokuphindaphindiweyo inshorensi iimoto zabo kwi "FAC" kwi CTP, beyisekile ukuba ukubalwa yembuyekezo inshorensi ngalo isenzeko nasiphi na isiganeko benefits ngendlela efanelekileyo nechanekileyo. Imali ehlawulwe yanele ukuba alungise imoto yonakele.

Nokubuyekezwa elibi kwinkampani ye-inshorensi "FAC"

Abahlali abaninzi Russian abasele bangenelwa kwiinkqubo ze-inshorensi i-OJSC "FAC", Makuqatshelwe ukuba lo msebenzi ngendlela engathethekiyo, kade yaye bengenamdla ukutsala abasebenzi abathengi abatsha kwi-ofisi zenkampani. Abasebenzi kakhulu kwa. Lindela umnxeba ovela umqeshwa inkampani, ithembisa ukuba ukubuyela kwixa elizayo, sibe ixesha elide kakhulu. Ngenxa yoko, abathengi banyanzeleka ukuba bana phandle ulwazi oluchanekileyo ngokwakho.

Kukho iimeko xa inkampani ye-inshorensi uyala ukuhlawula imali umxhasi kwi-inshorensi yezempilo ngenxa yokuba le nkqubo iye Uyekile ukwenza izityholo. Kulo mzekelo, VHI wakhutshwa kwiiveki 2 nje kudala isithuba seenyanga ezili-12. Imali iinkonzo zokhuseleko ukuya umxhasi abasayi kubuyela kulo.

Uhlalutyo Iveliswe wabonisa ukuba iNkampani iqwalasele "FAC" inxulumene kakhulu kuvavanyo abasebenzi yeziko elo. badla abaqeshwa Iinkampani ze-inshorensi All-Russian ngoyaba wefoni. Njengabangenanto inkcazelo efanelekileyo, abasebenzi abaninzi wala ukunika iingcebiso, waza wathumela ngumxhasi we uncedo kwezinye iingcali, kunye nabo, yena, okulandelayo. abasebenzi ofisi endaweni lenkonzo yomxhasi on the phone ukuxoxa iingxaki zobuqu. Ukongeza, ezi zinto zilandelayo abe nendawo:

• "FAC" abasebenzi bala inshorensi izithuthi enziwa phambi kuka-2005, becaphula ukuba intlawulo imicimbi enjalo angenalungelo.

• Amaxwebhu ezinikezelwa kubathengi kwi-ofisi kwinkampani ye-inshorensi, ivame kakhulu ilahlekile. Amaxhoba kwiingozi kuyanyanzeleka ukuba ukuqokelela izibambiso iphakheji kwakhona.

• inkampani yeinshorensi Hotline "FAC" akagwetyelwa. Abathengi, ngokutsalela inani kumgaqo-nkqubo, kuyimfuneko ukuba sibuyele inani efanayo yommandla. Abasebenzi abanalo lo mkhwa thaca kubasebenzisi bayo. Ngokungamfumani impendulo yombuzo ukubiza umntu umsebenzisi lingaphosela ifowuni.

• Xa ukhupha imigaqo abathengi CTP kunyanzeliswa ukuba mawuhlawule iinkonzo ezongezelelweyo ezifana inshorensi okanye impahla yobomi. Kwimeko yokurhoxiswa inshorensi esiwiswe abasebenzi inkampani retaining iimeko izicelo zokwamkelwa kwabafundi kwaye yandisa uluhlu lwamaxwebhu ezikhoyo.

• Kwimeko-inshorensi abaxhamli beenkonzo zeli OJSC "FAC", uqhuba iholide amazwe, kufuneka ukucombulula iingxaki zabo.

• Abasebenzi batyeshele abathengi zabo, ukudala emgceni aze enze ngokwakho emsebenzini wakho lwangoku, umzekelo, zenze imigaqonkqubo kumaxwebhu ezidlulileyo.

• abasebenzi Unxibelelwano "FAC" kunye nabathengi kuye kwenzeke ngendlela krwada. Amaziko Abasebenzi ngokulula ukuvala i-ofisi kwi ikhefu zobugcisa iinkonzo zilayishwe kuqaliso iindwendwe ukulinda ithuba lazo.

Abantu badla ungonwabi ukuba ofisi nkampani inxaxheba ekusombululeni le meko kunye nembuyekezo amaxhoba umonakalo, musa ukusebenza ngeempela-veki.

"FAC": Ukubuyekezwa kwabasebenzi

Ngokutsho abaphathi babesakuba amaziko asebenza kwinkampani yeinshorensi "FAC" - uhlobo we esike. ingqesho esemthethweni akuqinisekisi intlangano yabasebenzi kwinqanaba imivuzo, leyo wathenjiswa kubo ndlebe. Kwimivuzo yabasebenzi, "FAC" yenziwe umvuzo omncinci kwaye ukuphunyezwa kwesicwangciso luhlengahlengiswe iipremiyamu.

Ipesenti imali ixhomekeke kwinani labathengi insured. Ukuze kufikelelwe ukusebenza ofunekayo, umqeshwa kufuneka ilifa mpawu zilandelayo:

• nice ukuba abe nako ukuthetha yaye baqinisekise abathengi;
• kuba ngobuqili nokubala.

Xa amazwi enye babesakuba ngabaqeshwa OJSC "FAC" libandakanywe kwinkonzo kuphela abathengi inzuzo. Bonke abo bathanda kusebenza umphathi inshorensi kufuneka bakulungele ukuthatha inxaxheba noqeqesho ezininzi ukuthengiswa kweemveliso inshorensi kunye nezifundo zoqeqesho.

CASCO - enye imveliso inshorensi kakhulu ethandwa

abaqhubi beemoto abaninzi nomdla iinkonzo ezinikwa inkampani "FAC" (inkampani ye-inshorensi) izithuthi inshorensi, ncomo.

"CASCO Classic" - yimveliso ngemiba yaphuhliswa yinkampani. Olu hlobo nkonzo kubhekwa azifani kuba kudala ukuba abanini iimoto ukhuseleko oluphezulu, kungakhathaliseki ukuba amava ukuqhuba. -Inshorensi iya kuyilwa kuthathelwa ingqalelo zonke iimfuno client. Phantsi kwe-inshorensi zenziwe:

• iimoto eziveliswa eRashiya, ubomi apho ayidluli kweminyaka eli-10;
• cars angaphandle yobudala efanayo;
• izixhobo ezithengwayo ngabanini imoto emva lokuthenga imoto.

Olu hlobo inshorensi inika ukhuseleko ngokuchasene nokubiwa kweemoto umonakalo ukuba isithuthi ngenxa lokuxakeka.

"Ithemba Special" CASCO - yenye imveliso umdla, nelinika nabathengi kwinkampani ye-inshorensi "FAC". Imithetho yenkqubo ukuvumela ukuba ibandakanye kumgaqo-nkqubo lezalamane close ziqwalaselwe ngaphandle kwentlawulo engaphezulu. Imeko kuphela: inani lemisitho inshorensi kunye nxaxheba aba bantu ziya kuphela.

Ukusebenzisa CASCO inshorensi calculator kuphuhliswa "FAC", ungenza kakhulu lula inkqubo ukubala. Emva kokukhetha inkqubo efunekayo, kulula ukubala iindleko zeenkonzo. Ode ipolisi ye-inshorensi inokuba ngqo nge-intanethi. Wabuyiswa ekhaya ngelo xesha ekulungeleyo.

Yintoni na inkqubo CASCO umdla, nelinika nabathengi kwinkampani ye-inshorensi "FAC"? Izimvo abanikazi imoto, ibekwe kwiiwebhusayithi kunye neeforam, ukuvumela ukuba kulwabiwo ezithile ezintle.

1. Inkampani kunika ithuba lokuba inshorensi imoto wathenga ngeendleko kwemali ngetyala.

2. Iinkonzo inshorensi inganikezelwa okwethuba lonyaka ubuncinane 1.

3. Kwimeko yokuhamba aphesheya ukusuka kumnini imoto kunokwenzeka ukuze bandise umda inshorensi.

4. Ubhaliso kunye nokuhlaziywa-nkqubo ingenziwa nangaliphi na ofisi "FAC", kungakhathaliseki ndawo yokuhlala yomqhubi.

5. izithuthi Xa kujongwa abachatshazelwa yi ngozi, abandakanya iingcali ezizimeleyo, ukuqinisekisa ukuba uvavanyo olunobulungisa.

Insurance kwenziwa nge iphakheji isezantsi yamaxwebhu. Ukongeza kwimfuneko ukunika umphathi ipaspoti yobhaliso inshorensi zothutho uxwebhu ze ugcwalise isicelo.

Iinkqubo ze-inshorensi yezempilo

Izimvo inkampani yeinshorensi "FAC" phakathi kwezi amatyala anxulumene nomgangatho zobhaliso inshorensi yezonyango. abaxhasi Iziko bayafikelela kwiinkqubo eziliqela ze-inshorensi yezonyango ngokuzithandela.

Kwiiofisi "FAC", ungakhetha:

• umthamo iinkonzo zonyango eziyimfuneko;
• udokotela kokubonisana;
• iklinikhi efanelekileyo.

uncedo ofanelekileyo uya kunikwa kubaxumi "FAC" kungekho umgcelele ngalo naliphi na ixesha. Kwimeko yokugula zonke iindleko ezinxulumene iya kukugubungela kwinkampani ye-inshorensi. abanini-nkqubo LCA insured kuthelekiswa inkcitho engeyomfuneko ezinxulumene neemfuno amaziko ezingalaliswayo, eqesha uphando umthamo ngokugqithiseleyo.

inkqubo-inshorensi yempilo OJSC "FAC" alawulwe, ekhusela ngokupheleleyo iimfuno zabathengi. abanini-nkqubo LCA akhuselwe yinkampani inshorensi kummandla welizwe lethu, zombini ngaphakathi nangaphandle Russian Federation.

insorensi impahla

Abasebenzi lombutho ukuphuhlisa iphakheji ukuba ukukhusela iimfuno impahla abemi Russian. Inkampani yeinshorensi "FAC" (idilesi ofisi lingakhankanywa kwi website esemthethweni) kuya kunceda ekunciphiseni umonakalo kwimpahla yakho ngenxa imililo kunye neentlekele zendalo, ngokunjalo xa kuthe kwakho ukusilela eluncedo (breaks lweenkqubo ubonelelo lwamanzi, umlilo kweentambo common).

Iinkonzo inshorensi iindleko iza kuxhomekeka kwiimeko ezifana:

• uluhlu iingozi ezicaciswe kwi-nkqubo;
• wihi-inshorensi;
• ixabiso lwepropati.

Ezi zikhombisi - oku konke ukuba ukukholisa abaxhasi babo, lo mbutho inshorensi. "FAC" ibonelela inshorensi isihloko, ukukhusela abantu zendalo kwamanye amazwe, ukwanazo nezinye iintlobo ezininzi iinkonzo inshorensi. "ECC" rating sezingeni eliphezulu kwinkampani yeinshorensi kuvumela ukuba ukugqiba ukuba akuyi kuzisola, ukuba usebenzisa iinkonzo ze-inshorensi. ukhetho lwakho uya kubuyekezwa ngokupheleleyo njengoko impilo entle, imizwa kunye nemali basindiswe - ukuba lukhulu!