Insurance. Kuthekani ukuba inkampani ye-inshorensi kuqinisa elide bentlawulo?

Ngaba ukhe uqhagamshelane kwinkampani ye-inshorensi ukuba intlawulo yembuyekezo inshorensi ejongene nemeko apho insurer izama zonke iindlela kunokwenzeka ukuba nsinya intlawulo, badle zithembiso?

Motor Insurance kwi Russian Federation i sphere kunokuba entsha. De kwiminyaka embalwa edlulileyo, inshorensi yayikukuba umqhubi Russian, into entsha, engaziwayo.

It nje Kwenzeka eRashiya ukuba iinkampani ze-inshorensi kusoloko zilibazisa ixesha kwintlawulo yembuyekezo inshorensi. Oku kwenzeka ngenxa yezizathu ezahlukeneyo: zezimali yeinshorensi; amaxwebhu anikeziweyo ngu polisi akwanelanga ukubonisa iimeko isiganeko inshorensi; buthiye yovavanyo wesithathu; inkampani ye-inshorensi kunye nesikhululo inkonzo ixesha elide awukwazi bavumelane iindleko ukubuyiselwa zokulungisa, njl Noko ke, yintoni nangoku ntoni, ukuba ukulindela ntlawulo obuzenza elide ngokwaneleyo, kwaye oremontirovat imoto yakho kuyimfuneko ngokukhawuleza kangangoko kunokwenzeka?

Ukuqalisa, vula imithetho inshorensi CASCO okanye MTPL kwaye ufumane kuzo umda ixesha apho kufuneka insurer ukwenza vyplatu.Esli onazo akunakwenzeka ukuba ukuqonda imigaqo-inshorensi, ungenza kufuna uncedo ukusuka kwiziko specialist One inshorensi.

Nge kolibaziseko minor (iiveki 1-2), ungakwazi ukulinda. Kusenokwenzeka ukuba kulibaziseka kungenxa bumdaka kwisebe yokubhatala okanye ingenalo novelwano.

Qala ukuthatha amanyathelo ayimfuneko ngokuqinisa kota yentlawulo ngaphezu kwenyanga. Kungenjalo,-inshorensi lingaqhubeka ukondla i "izithembiso" infinity.

Kuba ifuthe kwinkampani ye-inshorensi, kuyimfuneko ukuba ubhale ibango pre-kwetyala kwi igama weefayili apho ukuchaza iinkcukacha zonyango yakho kwinkampani ye-inshorensi uze ucele ukuba insurer ukuba achaze isizathu sinqumo osikiweyo intlawulo. Kwakhona kwi bango kuya kufuneka ukuba enze intlawulo yaye zibonisa ukuba inkampani ye-inshorensi unikele impendulo ebhaliweyo.

ibango Pre-kwetyala inokuzisa ngokwakho ukuba inkampani ye-inshorensi, apho umlawuli inkampani ukufumana ukuba ufake ibango kwi kuNobhala inqaku imbopheleleko wobuntwana yayo. Unako kwakhona ukuthumela ibango pre-kwetyala kwinkampani ye-inshorensi ngeleta ebhalisiweyo kunye yokuvuma ukuba uyifumene. Ikopi amabango pre-kwetyala zinokuthunyelwa ku FSIS (Service Federal for Insurance Supervision) kunye RSA (Russian Union of nabaKhuseli), ukuba ukulibaziseka ntlawulo zibangelwa CTP.

Kwiimeko apho inkampani yeinshorensi akaziphenduli ibango, okanye ethumela ukwala esibhaliweyo ibango lakho, kuyimfuneko ukuba uye enkundleni, kwaye iinkundla ukuba bafune inshorensi hlawuleka. Ukongeza i-inshorensi yembuyekezo ngokusebenzisa iinkundla ukuba Qokelela ukusuka umdla inkampani yeinshorensi ukuba sokulibaziseka kwentlawulo.