Ngezigaba inshorensi

Kwisivumelwano ukhuseleko lwepropati phezu kukuvela kwamabango-inshorensi ngenxa igalelo isifundo eso kuthiwa inshorensi. Kulo mzekelo, i-inshorensi kuxhomekeke, obhaliswe ukuqhuba imisebenzi enjalo, kwakunye ufumane ilayisensi yona. OKhuselwe ngeInshorensi iziko eyaziwayo, leyo byi iminikelo, kwaye ubudlelwane ngokwasemthethweni insurer.

Inshorensi zohlulwa ngokwendidi ezithile. Phantsi ezibiza ngokuba amazinga ezichaphazelekayo kuthetha izinto ezithile yohlobo olunye kwi-inshorensi ethile. Igama elithi "i-inshorensi" liye iingcambu Latin, ngoko cinga zeelwimi Western, kwaye eliguqulelwa ngokuthi 'akakhathazeki ". Kwiilwimi Slavic bakholelwa ukuba ibinzana elithi "i-inshorensi" - luhlobo yemvelaphi elithi "ukoyika." Kwi-Russian Federation, i-inshorensi - le yinkqubo yonke yezenzululwazi apho olu hlobo lomsebenzi zihlelwa zezoshishino, uhlobo, unxibelelwano ezizodwa iyonke.

Ulwahlulo isekelwe phezu umthamo distinctions insurance liability. Kananjalo kusekelwa umahluko phakathi kwezinto-inshorensi. Ngowe-1978 oko yasungulwa kwaye ukuhlelwa iintlobo ze-inshorensi amazwe eEC. Le yokuhlela esekwe ngokungqinelana nemithetho kunye eEC Directive on iinkampani ze-inshorensi. Ukuhlelwa Insurance iquka iintlobo 6 ixesha elide ne-17 eziqhelekileyo udidi.

iimbono Long-term:

• inshorensi yezempilo esisigxina;
• zomhlala-phantsi;
• ilahleko yemali;
• yokuphila;
• kuba wedding kunye nokuzalwa komntwana;
• inshorensi sipho.

Ulwahlulo lweendidi ze-inshorensi enxulumene jikelele:

• Car Insurance.
• Accident.
• izinto eziphathekayo (ipropati).
• izithuthi Railway.
• Ukususela ilahleko yemali.
• inshorensi impahla.
• Kwimeko yokugula.
• Aircraft.
• Ziintlekele zendalo kunye nemililo.
• liability Civil abaqhubi bezithuthi.
• Kwaye njalo-njalo.

Inshorensi 4 amasebe eziphambili, eziquka amacandelwana eziliqela.

inshorensi risk ishishini. Amaxwebhu anjalo angaquka, ilahleko yomvuzo (umngcipheko kusetyenziswa ubuchwepheshe obutsha, izixhobo, inzuzo kungaqatshelwanga ngenxa ukunqumamisa deal, umonakalo owenziwe kwemitshini, njalo njalo). Eli candelo wahlulwe yi kwenye:

• inshorensi zomngcipheko ngqo welahleko;
• kwakunye neendleko ngqo.

uhlobo inshorensi Property. Injongo yale mboni izinto eziphathekayo (ikhaya, imoto, values), i-inshorensi ipropati na sub-lalamacandelo alandelayo:

• inshorensi kwempahla kwabemi ;
• imibutho yasekuhlaleni kunye nentsebenziswano;
• kwiifama adibeneyo;
• balimi;
• iifama zikarhulumente;
• namashishini karhulumente.

inshorensi liability. Oku kusebenza kwizibophelelo kushishino inshorensi ukuzalisekisa ngokwemiqathango yesivumelwano, akhusele. Ngoko ke, xa umnini-nkqubo i sabangela umonakalo nasiphi na isifundo, uya ukubuyisela umonakalo ngaye yi-inshorensi. inshorensi liability sub-candelo zibandakanya:

• inshorensi kwimeko umonakalo;
• inshorensi kwetyala.

Insurance imigangatho lokuphila abemi. Xa ishishini oko kuxhomekeke ebomini, ukukwazi ukusebenza, inshorensi yezempilo. -Amacandelo Sub enxulumene nolu shishino:

• inshorensi Personal kwabahlali;
• inshorensi yoluntu abasebenzi, abasebenzi, amafama ngokuhlangeneyo;
• imihlala-inshorensi yobomi.

Isimiso, apho ulwahlulohlulo yokhuseleko engagqibekanga kuvuliwe kwinqanaba olulandela ngamnye ezidlulileyo. Kukho ngqo 2 iintlobo-inshorensi: okuzivolontiya nomyalelo. Ezi fom nazo zonke links. Urhulumente umisa inshorensi enyanzelekileyo. Oku kwenzeka kwiimeko apho imfuneko nowokunceda ayikho kuphela iimfuno zesimo umntu owenzakeleyo, kodwa ochaphazela imicimbi yoluntu lonke.

Ukuhlelwa inshorensi nayo isekelwe phezu kwezi nkalo zemisebenzi ye-inshorensi; kurhwebo lwasekhaya, neemarike zangaphandle, kwimarike inshorensi mixed.