Eli nqaku liza kuthetha ndlela ilula kwaye fastest ukujongana umbuzo: yintoni na inkampani yeinshorensi ukuba ukhethe.

1. yokuReyitha u-arhente rating angaphandle

Ukuba inkampani yeinshorensi owaziwayo of arhente Ukulinganisela amazwe: Standard & elihlwempu; Fitch; Eguquguqukayo kaThixo, AM Best alithe gangqa BB +. Le mibuzo nkampani wabuza. Nangona arhente yokulinganisela, wafunga ngexesha lakhe, kodwa namhlanje, kodwa ke kufuneka ngaphezulu okanye ngaphantsi ingqiqo ecacileyo imeko kule nkampani.

Sigxininisa ukuba le ngongoma malunga nemvume amazwe. Kakhulu ezimbalwa Iinkampani Russian kufuneka amanqaku bezinye iintlanga: SOGAZ, Ingosstrakh, Rosno ...

Umzekelo, ukulinganisa Moody phezu iinkampani ze-inshorensi Russian, isiphumo - izaziso ezimbini kumaphephandaba, omnye ukukala, yaye yena phantsi uhlaziyo.

2. yokuReyitha u-arhente rating Russian

Ngokusekelwe kwimbali ukhuseleko lwesizwe, singatsho ukuba kukho iimeko xa nokurhafiswa-arhente rating Russian, basabela emva kokuba ukurhoxiswa kwelayisenisi, kule, ngokoluvo lwethu unokuthenjwa ngokupheleleyo kuphela Ukulinganiswa arhente Expert RA, ukuba okurhafisa yenkampani ubuncinane A + (!).

Njengoko ungabona uluhlu kwakhona ukuba enkulu: BTA Insurance Company; Alpha Insurance; Alliance; FAC; VTB Insurance; Hephaestus; Group Renaissance Insurance; Rosgosstrakh Group; "Capital Group"; Guta-inshorensi; Generali PPF inshorensi jikelele; ZHASO; Ingosstrakh; MAX; Medexpress; Pari; RESO-Guarantee; RSK; "Sterkh"; SC ALROSASK; TransneftSK; "Chartis"; SOGAZ; kwemvume; Insurance Group IIC; Insurance Group UralSib; Insurance Company "Surgutneftegas"; TIT; Zurich; Emergency Insurance Company; Chulpan; Energogarant; ERGO Rus

3. Ukuba ukhetha MTPL okanye CASCO inshorensi

Kakade ke, ekuhambeni kwexesha akunamsebenzi apho uya inshorensi CTP: Kwakungekho mfuneko na ukulungiswa kuqala, yaye omnye lowo oye wangena (kwenu, Hull Kakade evela kwinkampani ngentlonelo), kunye neentlawulo MTPL aqinisekiswe ngurhulumente.

Kodwa, inyani bantu amanene nathi, yaye kufuneka abe noxanduva ngabo ... njalo ... eyona nto ibalulekileyo ukukhangela le nkampani ukukhula okukhawulezayo iimali CTP yoy. Ngenxa rule (kwiimeko 9 kwali-10) kuba njengomanduleli yokuba kuya kushiya emarikeni, kwaye ixhoba yezenzo zakho yindoda elungileyo - ukufumana kwentaba iingxaki phezu kwentloko yakhe

4. Bhala Short

Inyathelo lokugqibela: ngaphandle iinkampani ngokusemthethweni kubekwa kwintengiso (kwezi iinkampani ayikho kubathengi, bona ukucombulula iingxaki zabo) kwaye ukufumana uluhlu lokugqibela.

Ukuba bezibuza ukuba le nkampani wahlala kuluhlu elifutshane, kodwa unomdla kuye ukuqonda lo mbuzo - ukubhala, siya kupapasha iziphumo zophando.

C intlonelo, i "Inshorensi polyols".