Inkampani yeinshorensi - yintoni na le nto? Sakhiwo Umsebenzi

inkampani yeinshorensi - iziko-mali ibonelela ngeenkonzo inshorensi kubantu, imibutho lweemo ezahlukeneyo zobumnini. Ukuze siqonde indlela ye iinkampani ze-inshorensi kufuneka ukuba siqwalasele siseko imbuyekezo ngemali kubantu-inshorensi.

Yintoni inshorensi

Inshorensi - indlela ukukhusela iimfuno zabo, kakuhle ukuba phantsi kweemeko ezingentle. Amathuba iziganeko ezinjalo lincinane noko, kodwa ngokubanzi, yinto yokwenene kakhulu. Ngokusekelwe kwedatha yeenkcukacha-manani, bubungakanani i risk benefits oku, i-inshorensi imali kunye nezinga. Imbuyekezo for umonakalo kwenzeka kuphela kwimeko ekuqukunjelweni isivumelwano inshorensi. Umthombo mali leyo koovimba nemali neenkampani ze-inshorensi (SC).

Kwilizwe lethu, isiseko somthetho yokubonelela ngeenkonzo ezinjalo:

• UMthetho ka-1992 "Ngomhla Umbutho of Insurance zoShishino kwi-Russian Federation."
• I-Civil Code of the Russian Federation.
• Namanye amaxwebhu.

Isiphumo-inshorensi, nto leyo luluhlu lweenkonzo ezinikwe inshorensi. Ubungqina inshorensi ipolisi ye-inshorensi. Lusetyenziswa uhlobo isiqinisekiso sokuba xa kukuvela kweemeko ezithile inkampani ye-inshorensi iya kuthatha phezu isinyanzelo ukuba ahlawule isixa esithile semali obuxhasa abaxhamli lokugqibela.

Zeziphi iinkampani ze-inshorensi

Standard Insurance Company - umbutho yaxobuka lingena kwimvumelwano iinkonzo inshorensi kunye nolondolozo. Kwilizwe lethu, yonke SC - iqumrhu elisemthethweni ukuba unalo eyinkunzi ethile nekwayi-banikele iinkonzo zabo ngenxa yomthetho ekhoyo.

Ukubonelela iimveliso inshorensi - uxanduva ngqo iinkampani ze-inshorensi. Ngokusekelwe ngenene ingenzeka kunye novavanyo lomngcipheko, Insurance agents zinika imigaqo-inshorensi kunye nesiqinisekiso lembuyekezo yomonakalo phantsi kweemeko ezingentle.

Kakade ke, njengaye nawuphi na iziko yorhwebo, injongo yale nkampani ijolise ekwenzeni inzuzo. Kodwa uhlobo olulodwa lomsebenzi ivumela ukuba yande kwiingxelo babekhupha iinkuntyula imali, nto leyo unelungelo onokuyilahla ngayo kwinkampani ye-inshorensi. Le ubungangamsha zemali kungabelwana kunye neminye imibutho ukuze iimeko zorhwebo ngemali. Imigaqo-mali kuxhomekeke ngumthetho-inshorensi yesizwe kunye namagunya zemali. ERashiya, kuba i-Ofisi yoMphathiswa wezeMali kunye Central Bank.

Types of Insurance Companies

Ukuhlelwa iinkampani ze-inshorensi-tshintshwa. Umzekelo, i-inshorensi iinkampani e Moscow ngokwemimiselo yabo ezichaza ngokwabo njengento elisaqalayo ngurhulumente, abucala kunye nempahla kamasipala. Ezahlukeneyo ezifana umbutho kunye nohlobo lweenkonzo ezinikezelwa. Kukho bakuqaphele iinkampani ezizodwa, yenza wena ishishini kubonelelo lweenkonzo inshorensi eziliqela ezifana neinshorensi auto.

Kukho multi-IC, leyo inshorensi zonke kubo bonke. Kukho Insurance reinsurance kunye nemali yomhlalaphantsi yabucala, kakhulu, endleleni, ibhekisela iinkampani ze-inshorensi. Ahluke kwi UK kunye kwindawo inkonzo, apho abanikela inshorensi. Iinkampani ze-inshorensi efunekayo nkqubo abathengi inshorensi - kuba igalelo arhente ngakumbi ukuhlanganisana, ngokukhawuleza uya kwandisa ngengeniso yenkampani. UK izinto kwindawo ethile, lokuvula amasebe kunye ofisi ummeli. Indawo, le amashishini zihlukaniswe:

• imigaqo unikele inshorensi kwindawo ethile okanye ummandla - ndawo;
• yengingqi - kuba ubukho kwiindawo eziliqela, amaziko azimeleyo;
• zikazwelonke - asebenza kulo lonke ilizwe;
• ngamazwe - ofisi okanye amasebe kwamanye amazwe.

Ukulinganiswa iinkampani ze-inshorensi

Rhoqo eendaba kukho iingxelo malunga ndawo kwezi zixeliweyo kukuthembeka nokuthandwa yenye okanye enye inkampani yeinshorensi. Olu yobuninzi ulwazi luvo kufanele kutsala umdla abanini-nkqubo okunokubakho nokubakhuthaza ukuba ukuthenga iinkonzo inshorensi kule nkampani. Xa lento uyijonga, singakwazi siqwalasele isibheno iinkampani ze-inshorensi ezininzi banikela ngeenkonzo zabo eyinkunzi nangaphaya. Oko abhale ngokwabo-inshorensi? Ziziphi izinto esiziphumezileyo esisesabo bazise ukuba nkulu? ungakwazi ukuthatha ezimbini xabiso kubonisa ukuba uhlalutyo iphumele websites kwiinkampani inshorensi, kwakunye njengesiqalo - isixa-inshorensi - oko kukuthi, imali kweentlawulo ezenziwe imigaqo-inshorensi, yaye isixa kweentlawulo insurance, leyo nkampani ethengiswa 2015.

"RESO-Guarantee"

Le nkampani "RESO-Guarantee" iye ibekwe ngokwalo njengoko Wayengomnye wabadlali ezinkulu kwimarike inshorensi Russian. Okwangoku, nguye nophumelele ukhuphiswano lukazwelonke "Brand zabantu / Brand №1 eRashiya", uphumeleleyo multiple yesahlulo "Golden Lightning", oyiphumeleleyo "Financial Olympus" Award National winner kwiindidi "-inshorensi VHI" yaye "Auto".

Ukongezelela, "RESO-Garantia" yaye sasisele sikwindawo yesithathu kunyaka odlulileyo ngenxa ukuqokelelwa iipremiyamu - 276 billion engange. Imali ukuya 124,2 billion - oko kukuthi, phantse isiqingatha imali eqokelelweyo le nkampani iye yanikwa aBantu abaKhuselwe yiInshorensi.

IC "maks"

Le nkampani iye yasekwa ngowe-1991. Kuqala for self-ochazwe-inshorensi auto; Hull kunye MTPL, inshorensi yonyango ngokuzithandela kunye inshorensi nempahla. Uluhlu impumelelo - aphezulu ekhoyo ukuthembeka rating kwi arhente rating yesizwe "Expert RA". Kule inkampani yeinshorensi 2015 ezidlulileyo "maks" waqokelela engange ngaphezulu kwe 37.2 bhiliyoni, kunye Imali ukuya phantse 92%.

"SOGAZ"

inkampani yeinshorensi kwegama elifanayo ngokufanelekileyo unokuthathwa njenge wesizwe - it amasebe kuzo zonke iziphaluka lizwe lethu. Uhlalutyo kwingxelo yokusebenza kwemali ibonisa ukuba ngo-2015 umthamo-inshorensi yaba malunga 78 billion engange. Umthamo kwentlawulo ngenxa yeengozi ngeinshorensi - 27.3 billion engange.

"Imvume"

Inkampani yeinshorensi enegama elifanayo isebenza kwi kwimarike ye-inshorensi iinkonzo ngaphezu 22 iminyaka. ukubambisana bayawafundisisa eendaba, iye efakwe kwinethiwekhi yayo-ofisi, kwaye zokusebenza iinkonzo zayo ngokusebenzisa njengabalamli. On iziphumo zika-2015 inkampani lafumana billion 56 engange ze-inshorensi, yaye wahlawula engange 46,5 billion.

Kuba basenokuba ngabaxhamli amanani aphezulu zemirhumo inshorensi zibonisa IC ukuthembeka uyazinza zemali. A amanani yokudlala kuba ukuqingqwa yokulungela UK ukuhlangabezana abaxhasi bayo. Omnye umbuzo - njani la manani ziyinyani. Ukuze ubone ukuthembeka inkampani ye-inshorensi iya kwabakhangela ndawo iingxelo zakhe, ngokutsho Ministry of iimfuno Finance, ulwazi uya mazingqinisiswe kubunkokheli be-UK, kwixesha elizayo kufuneka zibe ziyafumaneka kwi-web sayithi kwinkampani ye-inshorensi. iingxelo zemali zibonisa ukuthembeka kunye nokusebenza inshorensi abazinikeleyo. Kwakhona umdla uhlahlelo reviews ze-inshorensi, nangona le datha kufuneka sikholwe ngaphantsi - na izigxeko ezintle nje ihlawulelwe, yaye inxalenye ukumbombozela kunokuba kubhalwa ngabemi, leyo akakwazanga ukufumana intlawulo ngenxa yezizathu njongo. Uhlalutyo yale lwazi unganikeza uvavanyo umdla sentsingiselo kuphuhliso ezingcwele UK kunye ngeenxa emarikeni inshorensi Russian luphela.