Inshorensi izinto eziyingozi

I-Russian market-inshorensi, nangona babezilazila ingxaki zemali, uyaqhubeka ukukhula. Iingcali abaninzi avumelana imbono yabo isivuseleli siphambili kuphuhliso inshorensi eRashiya - kukwaziswa kwe iindidi ezintsha ze-inshorensi. Ukususela ngoJanuwari 2012 eRashiya kukho olunye uhlobo zale inshorensi - imigaqo-inshorensi luxanduva abanini bezinto mveliso yingozi. iingozi ezinkulu 2008 - 2010, ngokulandelelana, enxulumene umbandela onzima kunye nelahleko yabantu yanyanzela urhulumente IsiRashiya ukuya amkele umthetho omtsha ukuba ufuna abanini ezinobungozi izibonelelo nezamashishini ngenjongo inshorensi ubutyala wabo amaqela esithathu xa kuthe kwehla ingozi kwizibonelelo zalo imveliso kunye neeyunithi.

Mandivume ukuba abanini abaninzi bayamkela ukusungulwa umthetho negative. Kakade ke, uhlobo olutsha lwe-inshorensi yabangela ukuba bathwale umthwalo mali olongezelelweyo. Kodwa izohlwayo ngokungabi nkqubo eyimfuneko bakwaziswa eninzi: iqumrhu elisemthethweni iya kuhlawula ukusuka engange 300 lamawaka 500 lamawaka, yaye umphathi uxanduva - evela engange-15 lamawaka-20 amawaka.

Ukuze inshorensi uMnini uxanduva unakho, nangaliphi na inkampani yeinshorensi ukuba ulilungu le-National Union of Liability nabaKhuseli (NSSE) kwaye ilayisenisi olu hlobo lwe-inshorensi. iindleko nkqubo ixhomekeke ezininzi iparameters. Okokuqala - kuhlobo isixhobo esiyingozi. Umzekelo, ixabiso nkqubo ilifti iya kwahluka ixabiso nkqubo kwibhoyila okanye igesi inkqubo ukuselwa lweshishini. Kwindawo yesibini, kuyimfuneko ukwazi into ebhengezwe okanye hayi.

Indlela ukufumana phandle i into ebhengezwe okanye akunjalo?

Xa umnini besixhobo esiyingozi uza ukuthenga OVOP nkqubo ubophelelekile ukuba lingenise la maxwebhu alandelayo: ikhadi yokubhalisa, isiqinisekiso sobhaliso isixhobo esiyingozi (GCO), amaxwebhu esiqinisekisa ubunini into, ifomu egcwalisiweyo Kub (factor yokuphepha). Kufuneka nje ulwazi malunga nokuba into kuthiwa, ie Kuye igcwele nokuba le into isibhengezo okanye hayi,. Ukuba kukho ukuthandabuza ukuba ukuchaneka kwamaxwebhu, okanye naluphi na ulwazi umnini ngamnye ithuba lokuba afune ukucacisa igunya zokusuphavayiza - Rostekhnadzor.

Kufuneka wenze ntoni xa kukho isiganeko inshorensi kwenzeka?

Okokuqala, inshorensi izinto eziyingozi ngeenjongo zokukhusela amaxhoba. Kwimeko ingozi, amaxhoba kufuneka ukwazi isixhobo esiyingozi sele inshorensi kuyo nayiphi na inkampani yeinshorensi. Kwaye injalo, kufuneka uqhagamshelane ngokukhawuleza inkampani yeinshorensi uze ufumanise ukuba yeyiphi amaxwebhu ukuthumela. Kwangaxeshanye, akunakwenzeka ukuba alibazise yokufayilisha kuba iintlawulo ziya kwenziwa kwi umyalelo kokungeniswa kwezicelo. Ngelishwa, kusenokunyanzeleka ukuba umntu eyokwenza umonakalo. Ngenxa yokuba into nganye inshorensi ukuba isixa esithile i-inshorensi, ezifana-10 ezigidi. Engange. Emva kokuba inkampani ye-inshorensi iya kuhlawula 10 million. Engange, abanye amaxhoba wokhanyelwa, sele kufuneka ke ukuba isicelo ngqo kumnini injongosenzi kunye, xa kukho imfuneko, ukuba ndibhekise amazwi kulo mba ngokusebenzisa iinkundla. Kuba nganye imeko-inshorensi i-inshorensi inkampani unoxanduva kuphela ubungakanani le isixa-inshorensi.

Ukuze ufumane inkcazelo engakumbi kunye nokubalwa yeendleko lomnini-inshorensi besixhobo esiyingozi kubhetele ukuba uqhagamshelane kwinkampani ye-inshorensi. Xa ukhetha i insurer ukukhangela le mvume olu hlobo lwe-inshorensi. Le nkcazelo ifumaneka kwi-website ye-National Union of Liability nabaKhuseli.