Intshurensi ye-Atkoff JSC - CASCO: ukuphononongwa, imiqathango kunye neemeko, i-calculator

Ininshurensi yepropati ebomini banamhlanje iyimfuneko. Qinisekisa ngoku unako konke-ubomi, i-real estate, imoto, ukumomotheka kunye nokudlala. Iinkampani ezijongene nalo hlobo lwemisebenzi yezemali nazo zinkulu. Kodwa iingcali zicebisa ukuba zidibanise ezinkulu - kunye nazo zikhona iingxaki ezincinane kunye neentlawulo, zihlala zivaliwe kwaye kulula ukudibanisa kwiimeko ezinokuphikisana. Omnye wabo "ngu-Asskoff Insurance" - i-JSC (inkampani yokubambisana), ekhethekileyo kwi- inshurensi yezithuthi, i- real estate, impilo kunye nokukhupha i-inshorensi efunekayo ekuhambeni kwamanye amazwe (ngaphandle kwe-inshurensi awuyi kunikwa i-visa). Kwinqaku siya kukuxelela ukuba yintoni inkampani, iimpawu ze-inshurensi kuyo kunye nezinto ezintsha kwiluhlu lweenkonzo.

Ngathi

Ekuqaleni, "Tinkoff" yadalwa njengebhanki ngo-2006 nguOleg Tinkov. Ngoku umbutho ujongene nenani elikhulu lokuthengiselana kwemali (idipozithi, imali-mboleko, iintlawulo kunye nokutshintshwa, utyalo-mali), umba wekhadi leebhanki neebhanki. Okwangoku, ibhanki elithi "Tinkoff" yenye yeenkampani ezinkulu kwiimarike zokuvelisa amakhadi asebhanki eRashiya.

Iminyaka embalwa edlulileyo, inkampani yaqala ukuphuhlisa ibhanki ye-intanethi, kwaye ngoku ijolise ekukhangiseni kule nxalenye (isiqubulo esithi "I-Tinkoff - ibhanki enkulu kwi-intanethi kwihlabathi evela eRashiya"). Kule ntlangano, i-intanethi ye-intanethi iphuhliswe kakuhle: amasayithi anamaqela amaninzi kunye neenkonzo, izicelo onokuzisebenzisa ngaphandle kokunyuka kwiikhompyutheni, izicelo eziphathekayo ezinobuninzi obubanzi nofikeleleko. Izicelo ezivela kwi "Takkoff" zingalandwa kwi-AppStore okanye kwi-PlayMarket, zicela isicelo esifanayo.

IInshshu

I-inshurensi ye-Atkoff "- i-JSC (inkampani yesistim ehlangene), ekhethekileyo kwiinshorensi ukususela ngo-1993. Ukususela ngo-2013, i-Company "Tinkoff" kwaye iqhutshwa nguOleg Tinkov. Yonke imithwalo iwela kwisayithi, njengoko zonke iinkqubo ze-inshorensi zenziwa nge-intanethi, kuba inkampani ayinayo i-ofisi yokuthengisa. Ngelo xesha, uvimba lunokuqondakala, lukholisa iliso ngokubhekiselele kumbala kwaye alugqithwanga ngetekisi: yonke into imfutshane kwaye kwimeko, kwaye ukuba ufuna ukukwazi ngakumbi, kufuneka uvula ikhonkco elula ukuyifumana. Inkampani inomgangatho ophezulu wokuthembeka kunye nenqanaba elizinzile. Iphumelela ngempumelelo, ipapashwa ngokukhawuleza kwaye ihlaziya rhoqo uludwe lwabathengi.

Uluhlu lweenkonzo

Inkampani "Insurance Insurance" inikezela ezininzi iintlobo zeenkonzo zinshorensi. Ezi ziquka:

• I-inshurensi yokuhamba kwelinye ilizwe (ngaphandle kokuba loo inshurensi ayinikezeli i-visa, ukufumana idokethi oyifunayo ipasipoti yommi waseRussian Federation, umgaqo-nkqubo wezokwelapha, kwaye kubalulekile ukwazi isikhokelo sohambo kunye nexesha oya kuzo).
• I-inshorensi ye-real estate (inokwenzeka ukuba iqinisekise indlu, indlu, izakhiwo ezongezelelweyo ngendlela yegaraji, amagumbi okusebenza, njl., Isakhiwo esiqeshwe ngaphandle, ukulungiswa kwangaphakathi, izixhobo zobunjineli, izixhobo ezihamba ngemimandla) emlilweni, izikhukhula, iintlekele zemvelo, ukuphazamiseka okungekho mthethweni kwamanye amaqela .

• Inshshurensi yezempilo malunga neengozi zezithuthi, ukubethwa kwezilwanyana, ukulimala kwimisebenzi yezemidlalo okanye ezemidlalo, ezenzakaliso ezingalindelekanga kunye nendawo yokubhedlele ngokukhawuleza kwiziko lempilo.
• Inshshurensi yezithuthi (ukukhutshwa kwemigaqo ye-OSAGO, iCASCO). Le fom iza kuxutyushwa ngezantsi.

OSAGO

Ngoku ngoku kwiimoto ezithengisa ngeesibini abantu banokukwazi ukwenza kuphela umgaqo-nkqubo we-OSAGO, njengoko ukubhaliswa kwawo kubunyanzelo phantsi komthetho weRussian Federation. "Kwi-inshurensi ye-Atkoff" kukho inkonzo enjalo. Ekubeni i-OSAGO ngokwemiqathango jikelele ikhusela kuphela ngeengozi zendlela, kunokwenzeka ukukhupha i-MTPL + i-CASCO. Kuya kuba kubiza kakhulu, kodwa kukho isaphulelo sokudibanisa inkqubo enjengeninshurensi, kwaye ukunyaniseka kuya kuba phezulu.

Hull

Lo mgaqo ngoku uya kuba mfuneko kakhulu. Oku kubangelwa ukuba i-CASCO ikhusela ukugxotha kunye nezinye iimeko ezingathandekiyo, kwaye i-OSAGO, njengoko sele ikhankanywe ngasentla, ayikho. Masibone ukuba yiyiphi i-CASCO engancinci kwi-"Income Insurance".

Okokuqala, ikhusela ngomlilo, ukuqhuma okanye umbane kunye neentlekele zemvelo (izikhukula, iziphepho, inyikima, njl). Okwesibini, umgaqo-nkqubo we-Atkoff Intshurensi "i-CASCO, ukuphononongwa kwayo ngokubanzi (siya kuthetha ngako ngezantsi), inika ukhuseleko xa kwenzeka ingozi, ngaphandle kokuba, ngokuqinisekileyo, uyisona siphumo sengozi, kwaye akukho zimo ezingalindelekanga endleleni Izilwanyana endleleni, umzekelo).

Nangona phantsi kweemeko ze-inshorensi kuthiwa kunokwenzeka ukufumana iintlawulo zembuyekezo nangona unetyala. Kodwa kungcono ukucacisa oku nge-inshurensi, kuba loo matyala ahlukeneyo. Okwesithathu, umgaqo-nkqubo ukhusela imithwalo yakho nemfuyo, ohambisa kuyo imoto. Okwesine, unesiqinisekiso sokulwa nokuwa kwezinto naziphi kwimoto. Into ebaluleke kakhulu kukukhusela ukuphanga (ukweba). Ukuba imoto yakho ibiwe ngabantu besithathu, uya kukwazi ukufumana intlawulo yemali. Kwakhona i-CASCO yemoto ihlawulisa indleko yoxanduva lobuchwepheshe (abafudukayo), iingcebiso zomthetho kunye neeteksi xa kunesidingo esiphuthumayo.

Indlela yokubala iindleko zomgaqo-nkqubo

Iindleko zomgaqo-nkqubo "Inkokhelo Yomshuwalense" I-CASCO inokubalwa ngokuya kwisiza kwaye ukhethe ukhetho olufanelekileyo "Bala iindleko" kwiphepha eliphambili. Iwindow iya kuvulwa apho uza kuqhubeka ufuna ukukhetha ummandla usebenzisa imoto, unyaka wokuvelisa, ukwenza, imodeli, uhlobo lokusasaza (ibhokisi yebhobho) kunye neendleko ezimalunga nemoto namhlanje, ngoluvo lwakho. Ukongezelela kubalulekile ukuzalisa icandelo ngedatha malunga nomqhubi: amava okuqhuba, ubudala kunye neenkcukacha zoqhagamshelwano (igama, ifowuni kunye ne-imeyile). Ezi zilandelayo zifunekayo ukuze uthumele iindleko ze-CASCO nkqubo kunye nokubala ngokubanzi kwi-insured.

Imigaqo yokubhalisa

Imiqathango echanekileyo yokubhaliswa kwenqubomgomo yomshuwalense kunye nokugqitywa kwekhontrakthi ingafundwa kwimithetho ekhoyo kwisiza. Apha sinika iingongoma eziphambili.

Ukuze ukhuphe umgaqo-nkqubo, kufuneka unikele ngamaphepha alandelayo:

• Iipasipoti zommi waseRussia Federation okanye amaxwebhu asemthethweni, ukuba i-inshurensi ikhishwa ngumbutho wezomthetho.
• Amaphepha eemoto (isatifikethi sokubhalisa kwi-MREO GIBDD, i-PTA, amandla ommeli, ukuba kwenzeka, isivumelwano somnikelo, njl.).
• Ilayisenisi yokuqhuba.
• Uxwebhu oluqinisekisa ukubaluleka kwemoto (isivumelwano, ukuhlola).
• Inkontileka yesikhorensi yamanje okanye epheliswe.
• Ingxelo ngomzekelo.

Ixesha le-inshurensi lisekwe kwisivumelwano. Kukho kwakhona ukuchaza yonke imali yomshuwalense engakhokhelwa ngamanani athile okanye ipesenti. Olu xwebhu lugqitywa unilaterally xa kungenakuhlawulwa kwe- premium yomshuwalense (inxaxheba) ngexesha elifanelekileyo. Umshuwalense uza kwazisa umnini-nkqubo ngomnxeba. Ukuba kukho na utshintsho olwenzeka kwiiparitha ezichazwe kwisivumelwano, umnini wemoto makaxelele umshwalense malunga nenyanga leyo.

Iimpawu ze-inshurensi kwi "Takkoff"

• Into ebalulekileyo ye-inshurensi kule nkampani yindlela yokuqulunqwa komgaqo-nkqubo ngokusebenzisa inkonzo ye-intanethi. Awudingi ukuhamba naliphi na indawo, uya ku-intanethi, uvule iwebhusayithi, ubale ukuba umgaqo-nkqubo uza kuhlawula phi, okanye ukwenze ngokukhawuleza, ubonise yonke idatha ebalulekileyo kwaye uhlawule nayiphi na ibhanki kwikhadi lebhanki.
• Inkalo yesibini - ukuhanjiswa komgaqo-nkqubo kwidilesi efanelekileyo kunye nexesha elifanelekileyo. Kufuneka uxoxisane kunye ne-courier kwaye ufumanisa ukuba zininzi iindleko zokuhambisa. Kwenzeka ukuba bakhululwa mahhala.

• Okwesithathu yinto enokwenzeka yokuhlawulwa kwenyanga. Oko kukuthi, unakho ukuhlawula i-CASCO unyaka kunye okanye ulungise inkontileka kanye ngenyanga, ngoko rhoqo uya kuhlawulwa ngemali echazwe kwisivumelwano. Oku kulungelekile, kuba unokumisa intlawulo kwaye, ngokufanelekileyo, umgaqo-nkqubo ngasiphi na ixesha ngokuya kwi-akhawunti yakho kwisayithi kwaye ukhetha "ukumisa".
• Okwesine - unokufumana ukubala ngokubanzi kweendleko zomgaqo-nkqubo, ofuna ukuyithenga, ngaphandle kokushiya ekhaya.

Iinkonzo ezongezelelweyo

Xa ufumana umgaqo-nkqubo we-Atkoff Insurance "CASCO, eya kuhlaziywa ngezantsi, ungasebenzisa iinkonzo ezongezelelweyo zamahhala, ezibandakanya:

• I-evacuator, eya kukhulula isithuthi esonakalisiwe kwindawo yesehlakalo kwisitishi senkonzo;
• Ukuhamba kwe- arhente ye- inshurensi xa kwenzeka isiganeko esiqinisekisiwe (xa kwenzeka yengozi, inokukunceda ukwenza i-europrotocol ukuze ungalindelanga amapolisa endlela xa umonakalo emotweni ungabalulekanga);
• Ukuhanjiswa komgaqo-nkqubo, njengoko kuchaziwe ngasentla.

Xa kwenzeka isiganeko esiqinisekisiwe

Xa kwenzeka isiganeko esiqinisekisiwe, kufuneka uxelele umshwalense malunga naloo suku. Ixesha lokungeniswa kwamaxwebhu ngeentsuku ezi-14 zekhalenda ukususela kumhla wesiganeko. Ekupheleni kweli xesha, inkampani yomshuwalense inamagunya asemthethweni apheleleyo ukwenqaba ukuhlawula nayiphi na imali, kwaye nangenxa yenkundla awukwazi ukuphumelela ngokugqibeleleyo kwisigqibo esipheleleyo. Ukuba isizathu sokubambezeleka kwezaziso sihloniphekile, ngoko ngokubonelela ngumbhalo oqinisekisa oku (isitifiketi sokugula, iphepha lokuhamba, njl njl.), Umgcini-inshurensi ukwandisa ixesha elithile kwinani elithile leentsuku (phantsi kwesivumelwano okanye ukuqonda kwayo) ukuze ulungise imeko kwaye Nika yonke ipakethe yamaphepha afanelekileyo, okuquka:

• Ipasipoti yomnini wemoto;
• PTS;
• Ilayisensi yomqhubi;
• Isiqinisekiso sokubhaliswa kwesithuthi;
• Umgaqo-nkqubo oqinisekisa ubungqina bengozi, ukweba, umonakalo emotweni ngemibutho yesithathu okanye izinto eziwayo, ukudibana nesilwanyana, njalo njalo, kuqinisekiswe yi-Inspectorate yoKhuseleko loThutho;
• Ukuba imoto ibonakaliswe okanye ilahlekile ngenxa yentlekele yemvelo, isatifikethi esivela kwigunya elijongene nale ngxaki, umzekelo, uMphathiswa weemeko ezixakekileyo, kufuneka;
• Isiphetho esivela kumasifundisane, esiqinisekisiweyo ngongcali, apho zonke iinkcukacha kunye namalungu omatshini kufuneka atshintshwe okanye alungiswe, kunye nezixhobo eziyimfuneko kulo, kunye neendleko zazo zonke ezi ngasentla (ukuba ukulungiswa sele kuhlawulwe, ke zonke iifom eziqinisekisa inkcitho, umzekelo , Ukuhlola, iikontraka).

Umshuwalense unelungelo lokuqhuba uviwo lomonakalo emotweni ukuze kuhlolwe umonakalo kunye nemali efunekayo yokubuyiselwa. Kwezinye iimeko, imbuyekezo iyahlawulwa ngaphandle kokubhekisela, unokufunda okunye malunga nayo kwimithetho yomshuwalense kwisiza "Inkokhelo Yomshuwalense" I-CASCO. Iingxelo malunga nenkonzo ingafundwa kwindawo enye. Kufuneka kukhunjulwe ukuba i-CASCO engancinci ikhusela kwinani elincinci lee-inshorensi, ngoko kufuneka ufunde ngokukodwa isivumelwano.

Izinzuzo ze-inshurensi kwi "Takkoff"

• Awudingi ukuma kwimigca eofisi yenkampani yomshuwalense.
• Ukuhlaliswa kwesi siganeko sihlala kuthatha malunga neentsuku ezintathu.
• Unokuhlawula iCASCO ngeenyanga.
• Ubunokwenzeka bokubala iindleko zomgaqo-nkqubo kwangaphambili ngenkonzo "Inkokhelo Yomshuwalense" I-CASCO. I-calculator ilula kwaye iya kukhawuleza ukubala inani.
• Imibuzo yamaphepha ingathunyelwa ngu-WhatsApp.
• Ukuhanjiswa komgaqo-nkqubo kwindawo efanelekileyo kunye nexesha.
• Iinkonzo ezongezelelweyo zongezelelweyo (jonga ngasentla).
• Ukubhaliswa okulungileyo xa kunikwe inkqubo ye-OSAGO + CASCO.

Iingxelo zeenkampani

Ngaphambi kokuba uthenge into okanye usebenzise inkonzo, abantu abaninzi bafuna ulwazi kwi-intanethi. Ngoko sijonge kwaye safumanisa ntoni ngo-"Inkokhelo yomshuwalense" kwiCASCO. Ngokona nxalenye enkulu, ezi zivavanyo ezifanelekileyo zabemi bezixeko apho i-inshurensi yemoto isebenza. Iimigodi ziphawulwe kwiintsilelo zexesha, kukho ukungaqondani ngexesha lokubhalisa kunye neengxaki ezilandelayo, kwaye ngenxa yoko-impendulo engalunganga.

Isicelo se-"Tinkoff", esilunokukhuphela kwiivenkile ezithengileyo, kuqikelelwe kakhulu (amanqaku aphakathi angama-4.8). Ukuphononongwa okungeyona nto ihambelana nokusilela kwesicelo, abanye abanakho ukusebenza okwaneleyo.

Ungaqhagamshelana nani nenkampani

Ukufumana ulwazi olongezelelweyo, ukubuza imibuzo okanye ukukhalaza malunga nokuhluleka emsebenzini, unako "ngomgca oshushu": 8-800-500-47-28. Kwakhona kwisayithi kukho iqhosha elithi "Impendulo", ngolu hlobo ungathumela umbuzo wakho, ushiye ulwazi loqhagamshelwano ukuze uthole impendulo yakho. Ngaphambi kokuba ubuze umbuzo, funda icandelo le "Imibuzo neempendulo", njengoko kunokuba kukho inkcazelo yengxaki yakho.

Kwakhona kukho amaqela amanethiwekhi asekuhlaleni "VKontakte", Facebook, Instagram, Twitter kunye nejelo kwividiyo yokubamba i-YouTube. Bonke banegama elithi "I-inshurensi ye-Atkoff". Idilesi ye-ofisi eyintloko kukuba: 125212, eMoscow, i-Leningradskoe shosse, 39A iphepha 1. Indawo yamasebe ikwafumaneka ngokubanzi, njengazo zonke ezinye iimfuneko zenkampani.