Twifurije Dacha ... amahirwe masa

Ubwishingizi bw'inzu n'inzu y'igihugu ndetse no gutondekanya ingaruka, ubwishingizi bwa premium. Inama kubasanzwe bafite ubwishingizi murugo rwabo cyangwa akazu.

Nibeshye bake, bafite amazu yagutse. Igitero, abafite abatabarika ku kazu keza. Nigute ushobora kwinezeza, ntutange ibintu cyangwa umuntu mubi wo gusenya imyaka yaremye? Igisubizo kiragaragara: kwishingira ibyo ukunda, ariko inzu yintege nke.

Mu myaka mike ishize, abantu bake bari biteguye kwihesha agaciro amahoro yimitekerereze numutekano wumutungo. Ariko buhoro buhoro abantu bemeza ko bakeneye ubwishingizi bw'umutungo. Imibereho myiza y'abaturage mu gihugu cyacu irakura (nubwo atari vuba vuba nk'uko nshaka), uburyo bw'imico bwo gutsinda ubuzima bwaho. Niba ubwishingizi bwizura butari bwo bwaratejwe imbere, ubwo ubwishingizi bwinzu yigihugu hamwe nudukandara hamwe buri mwaka biba ikunzwe cyane kandi ikunzwe. Tugomba guha icyubahiro ibigo byubwishingizi, "bigiye guhura nibyifuzo byabakozi", birahinga gahunda zubwishingizi bwimitungo itiyubashye kandi ifite agaciro kandi bihendutse.

Ikinyamakuru cyacu kimaze kwiyambaza ingingo yubwishingizi. Ingingo ya mbere "kure, guhangayika!" Byari intangiriro yintangiriro: Irimo gusobanura amagambo akomeye ajyanye nubwishingizi bwumutungo, kugirango amenyeshe Anzami ye. Ibikoresho bya kabiri "Abapangayi bashinzwe" bitangiye ubwishingizi bw'inshingano z'abaturage mu gihe cyo gukora no gusana amazu. Nyuma yibyo, mu kiganiro "Inzu nkunda cyane," twaganiriye ku biranga ubwishingizi bw'amazu - ibishushanyo byabo, birangiye n'ibikoresho, ndetse no mu mutungo wo mu rugo. Impamvu yo kwitabwaho ni ubwishingizi bw'inguzanyo (ingingo "ihura nazo ... inguzanyo").

Sinshaka gusubiramo, ntabwo rero tuzashyira inshingano yo gukurikiza byinshi kandi twiga ibintu byose bivugwa vuba aha. Tuzibanda ku kintu gishya gusa ku isoko ry'ubwishingizi vuba aha, kandi byinshi bizamurikirwa n'ibihe bidafite ahantu hahagije mu bitabo byabanjirije.

Ni iki gifite ubwishingizi?

Rosno Ibintu byubwishingizi birashobora kuba akazu, amazu, akazu ninyubako ziherereye ku mugambi umwe wubutaka: igararu, izindi nyubako, hamwe na argolas, hamwe nibice bimwe na bimwe. Niba inyubako nyinshi zifite ubwishingizi icyarimwe na (cyangwa) umutungo imbere, menya neza gukusanya ibarura rizaba igice cyingenzi cyamasezerano yubwishingizi. Usibye ikiguzi cyumutungo utimukanwa, habaho uburenganzira bwo kubaho bubiri bunyuranye muburyo bwibanze bwubwishingizi.

Kuri cottage igura $ 10,000, kandi rimwe na rimwe kugeza $ 15000

Isosiyete y'ubwishingizi bw'Uburusiya iroroshye kurenza iyitwa "udusanduku", cyangwa porogaramu yerekanaga igurishwa atari mu biro by'isosiyete y'ubwishingizi gusa, ahubwo no mu mabanki, ibigo bikomeye by'ubucuruzi cyangwa ububiko bunini kandi buhendutse. Kugura ubwishingizi nkubwo bufata iminota mike gusa, kandi urashobora guhitamo mubice bibiri cyangwa bitatu byagenwe hamwe nimisanzu ihuye (imisanzu). Ubwishingizi muri izi manza bukorwa nta kugenzura umutungo no gusuzuma, urutonde rwibibazo byubwishingizi ni bike. Abo ahanini bisa hagati yabo gahunda (cyangwa umwuga, ibikomoka) amasosiyete atandukanye: "Rosgosstrakh House" Ubukungu "(" Rosgosstrakh ")," Teremok "(" Nasta ")," Dachnik "(" Russian Insurance Company " ) nibindi

Ati: "Centge" ku kazu gahoro gahoro hots ni bo bamenyereye kubaha no kwitabwaho kubatanga serivisi zitandukanye, uburyo bwo kugiti cye bwemewe ku bwishingizi cya kera bugomba kwishyura bihenze. Mu mwanya, uhagarariye isosiyete yubwishingizi isuzuma yitonze umutungo utitonze, nyuma yisuzuma cyangwa isuzuma ryigenga rirashima. Umukiriya Umwishingizi yabakiriya afite amahirwe yo guhitamo igihe cyibyago ashaka kwishingira umutungo we. Gahunda yubwishingizi bwa kera kumazu hamwe nabakazu itanga hafi ya yose, hagati kandi ntoya hamwe namasosiyete nto. Dore ingero zimwe: "A Alpha Igihugu" ("Aliprakhovanie"), "Cidel" ("Rosgo") ("RosgosTrakh Inzu"), "inzu y'igihugu" ("Ingoro"), kimwe Nkuko gahunda zidafite amazina nziza, ariko kubera ko idahinduye imbere, uhereye kumasosiyete arisstrakh, "uruhushya" numubare wabandi. Abishingizi benshi batanga uburyo bwo hagati buhuza ugereranije nigishushanyo mbonera (vuga, nta bugenzuzi murugo, ariko hamwe no kwerekana amafoto yayo) nubunini bwemewe bwa premium yubwishingizi.

Ni izihe ngaruka?

Politiki y'ubwishingizi bw'ibimukanwa n'ibitimukanwa irashobora kugurwa mu biro by'isosiyete y'ubwishingizi gusa, ariko, nk'urugero, mu bubiko bwo kumurongo, akazu, amazu n'izindi nyubako, ingaruka zigabanuka . Ubusanzwe ni umuriro, igisasu (harimo gaze), imyigaragambyo, ibikorwa bitemewe byabandi bantu, ibiza byangiritse. Ibishoboka byo gutangira ibyabaye ni bito, nuko rero ni nto kandi igiciro cya politiki. Niba turimo tuvuga ku kazu keza n'amazu y'igihugu, abafata ibyemezo bafite amahirwe yo guhitamo ingaruka zikomeye kuri we cyangwa kwishingira imitungo ye kuri paki yuzuye. Hanyuma ikigobe (amazi), kugwa mu ndege, itangwa ry'ibinyabiziga bitwara ibinyabiziga, bigwa, na (mu bigo bimwe na bimwe bimaze kumenyekana, kugwa kw'ikirahure cy'idirishya, indorerwamo, ibikoresho byakazi Mugihe cyo gusana ibibanza byizewe (byangiritse biturutse kubitero byubwishingizi), kurenga inzira yikoranabuhanga imirimo yubwubatsi, iterabwoba hamwe nandi "Exotic".

Amasosiyete yubwishingizi ashyira mu gaciro ingaruka: Umwe wese umunota umwe ufatwa nkibyago byihariye, abandi bahuza ibice byinshi. Ihame, ntabwo ari ngombwa. Ni ngombwa kwiga witonze amasezerano yubwishingizi (politiki) n'umugereka kuri yo mbere yo gusinya inyandiko no kwishyura amafaranga.

Umuriro - Gutera ibintu ibintu ku ngaruka zitaziguye z'umuriro, harimo n'ikibazo cya Arson, ingaruka z'ubushyuhe bwo hejuru, umwotsi, ibicuruzwa, utitaye ku gihe umuriro wabaye, kimwe nacyo cyatewe Ku mutungo wishingiwe mugukora ibikorwa kugirango uzimye umuriro.

Umurabyo - Gutera ibintu ibintu byihuse byumurabyo kumutungo wishingiwe, utitaye ko umuriro wabaye cyangwa utabaye. Ibyangiritse kuri zipper yibikoresho bya elegitoronike n'amashanyarazi bitabaye umusaruro wumuriro ntabwo wishingiwe.

Gutuza Gaza - Gutera kwangirika kwibintu byihutirwa byo guturika no guhungabanya ibicuruzwa byikirere, hamwe ningaruka zumuriro mugihe umuriro watewe nintego za gaze zikoreshwa mubikoresho byatanzwe na rosno) .

Ibikorwa bitemewe byabandi bantu - Ubujura, ubujura, ubujura, hooliganism, kurimbuka nkana cyangwa kwangiza umutungo nkana. Ibisobanuro byatanzwe mu mategeko y'ubwishingizi bw'umutungo w'abaturage bo mu isosiyete y'ubwishingizi bw'Uburusiya.

Hano birakwiye gushyira igice kiva kuriyi nyandiko: "munsi Ubujura Byumvikane neza nkubushake bwibanga bwumutungo wishingiwe, kimwe no gutunga umutungo ujyanye no kwinjira nubwishingizi bwubwishingizi urenga kubamo ibigo, inzugi, Windows, inkuta zuzuye. Munsi Ubujura Byumvikane neza ko kunyereza umutungo w'umutungo wubwishingizi wakoze ku bwinjira mu buryo butemewe aho kwinjira mu bwishingizi mu buryo butemewe n'amategeko mu mwanya wubwishingizi, urugomo, ntabwo ari akaga ku buzima n'ubuzima, cyangwa ku iterabwoba nk'ubwo. Munsi Ubushyuhe Byumvikane nkigitero cyo kunyereza umutungo wumutungo wizewe wakozwe mugukoresha urugomo - Gukoresha urugomo - Gukoresha Ihohoterwa Ubuzima-Kubangamira Ubuzima nubuzima, cyangwa Ihohoterwa Riteganijwe Kwinjira mu Rubanza. Munsi Hooliganism Byumvikane neza nkubutarenze gahunda rusange, biherekejwe no gusenya cyangwa kwangiza umutungo wishingiwe kandi uhuza no kwinjira mu bwishingizi, inzugi, Windows, inkuta zuzuye. Munsi kurimbuka nkana cyangwa kwangirika kumitungo Byumvikana nkibi kurimbuka nkana cyangwa kwangiza umutungo wishingiwe byakozwe na Arson cyangwa guturika. "

Cisc "Impanuka kamere" Mubisanzwe harimo umwuzure, umuyaga, igihuhusi, tornado, igitutu cya shelegi, urubura, ururatiro, amabuye y'agaciro, Stonepad, amabuye y'ibirunga. (Munsi y '"umuvuduko wa shelegi" bivuze gutakaza umubare munini wimvura ikomeye (urubura, urubura rwumuyaga) mugihe kidasanzwe kuri uturere, ariko ntabwo ari munsi ya 20mm, ingaruka za Kurimbuka kw'igisenge cy'igisenge no kwangirika ku mutungo mu nyubako.) Mu bigo bimwe na bimwe (urugero "." Inshingano, "Inshingano," hamwe no kugwa kw'ibiti na indege, gutwara imodoka.

Bay Nkibindi, hamagara ibikoresho byangiza ibintu nkibisubizo byingaruka zubushuhe (amazi cyangwa imyuka byayo) kubera impanuka yo gutanga amazi, umwanda, gushyushya amazi, kimwe no kwinjira mumazi ava mubyumba bituranye . Ibigo bimwe birimo muri iri tsinda ryingaruka ziterwa numwuzure, umusaruro wamazi ya gisasu, ndetse no kwangiriza imitungo nkibisubizo byumuriro uzimya umuriro.

Kuri buri nzu cyangwa gutanga bifitanye isano na bombi basangiye kandi ingaruka zabo bwite. Reka tuvuge ko inyubako zegereye amazi, zikwiranye no kwishingira ibiza, harimo imyuzure, inzu yo mwishyamba - kuva mubiti bigwa. Ariko ntabwo bizwi niba byumvikana kumara amafaranga yinyongera hanyuma ugahitamo ibyago byo "ibikorwa bitemewe byabandi bantu", niba inzu iri mu mudugudu urinzwe hamwe na Disiki. Avota ntabwo yuzuye mubufatanye bwa gakomeye, usura gusa mugihe cyizuba gusa, ndetse na none buri wikendi, kwishingira mubujura no kwishingira kwiba na hooliganism birashoboka ko ari ngombwa.

Iki gikorwa cyishingiwe cyabereye mu nkengero, mu mudugudu muto. Urubuga inzu ihagaze iri ku nkombe z'umugezi. PRIMES Y'UMWUKA W'IMPAPURO MURI MATA 2005 Hano wanditse amazi mu ruzi kurwego rwa 1.8m uhereye kuri Orinari, kubera igisubizo, ibice byinshi byuzuyemo inyubako zose. Inzu yerekanwe mu kigereranyo yari ifite ubwishingizi muri sosiyete "uruhushya".

Umubare w'indishyi w'ubwishingizi kuri uru rubanza rw'ubwishingizi warenze amafaranga 600. Ku giciro cya politiki y'ubwishingizi ya $ 690 (hafi ya 19.5).

Ni bangahe?

Ingano yubwishingizi (umusanzu) munsi yamasezerano yubwishingizi atoroshye. Isosiyete yubwishingizi bwite ikoresha uburyo bwo kubara. Ariko icy'ingenzi ni uko kigena ikiguzi cy'ubwishingizi - iyi ni igiciro (kugwiza aka gaciro k'igiciro cy'umutungo wishingiwe, tubona umubare w'ubwishingizi umwaka umwe). Dmitry Masters yisuzuma ya rubanda agira ati: "Ukurikije ibyago byashyizweho, umuyobozi w'ishami rishinzwe ubwishingizi bw'inyubako bushobora kuba 0.22-0% by'amafaranga afite ubwishingizi bw'ubwishingizi kandi bushingiraga." y'isosiyete "ROSGOSSTRAKH" .- Kugabanuka cyangwa kongera umuhoro birashobora guterwa n'ibintu bitandukanye bireba impinduka mu rwego rw'ibyago. Kurugero, kubura ibikoresho byiza byo kuzimya no guhura nubutaka bwubwishingizi bwibintu bimwe byateye akaga biganisha kuri kwiyongera ku giciro cy'imisoro. Kandi, ku rundi ruhande, kuboneka kw'inshingano zizunguruka-isaha (izamu) cyangwa izamu, hafi ya sitasiyo yumuriro nibindi bintu nkibi bigabanya igiciro. "

Igitekerezo cya bagenzi gikomeza Alexander Kabanov, umuyobozi mukuru w'umuryango mukuru w'ubwishingizi bwa Zeniti: "Byongeye kandi, aho umuhoro ugira ingaruka ku mitungo itimukanwa n'intego ifite beto nini. inyubako, no ku nyubako nto z'ibiti ku nyubako ntoya y'ibiti. Nka koga, - bimaze 2%. "

Artem Spark, artem Producy ashingiye cyane cyane ku gaciro k'umutungo utimukanwa. " 1, 1%, kandi hejuru yaya mafranga - kuva kuri 0.3 kugeza 0,65%. Ibiciro nabyo biterwa nibikoresho byinkuta hamwe nuburyo bwo gutanga ubwishingizi bwatoranijwe. "

Nikolai Krikheev, umuyobozi wacu, igipimo cy'imisoro ku mutungo w'ubwishingizi bw'umutungo .- Niba inzu ushaka kwishingira iri muri perege Gutura, Isosiyete irashobora gutanga kugabanyirizwa 0.05%, kandi niba hari umuriro cyangwa ikindi kimenyetso, kugabanywa bizaba 0.15%. "

Izi mpinduka nisiga, cyangwa yiswe kwiyongera no kwitwa coefficient, birashobora kugira ingaruka zikomeye mubunini bwumutunzi wubwishingizi, cyane cyane niba ikiguzi cyumutungo utimukanwa ari kinini. Rero, azwi cyane 0.05% yubwishingizi bwishingiwe muri 1 Mlrup. Kora amafaranga 500, na 0.15% - amafaranga 1500, kandi ubugororangingo bwose burahuye. Ibigo byinshi bitanga abakiriya kugabanyirizwa buri mwaka nta bwishingizi butagira igihombo niba hari amasezerano ahari hamwe niyi sosiyete kubundi bwoko bwubwishingizi kandi iyo bimukiye muyindigo wubwishingizi. Ibicuruzwa byose birashobora kugera kuri 30%.

Hamwe no kuvura ibintu byo gukosora, igiciro ntigishobora kwanga gusa, ahubwo kiraziyongera (kuri ibi, birumvikana ko abishingizi badakunda kuvuga). Ubwiyongere bukabije bwikiguzi cya politiki buyobora ibintu bikurikira: Kuba ahakaze bya gaze n'amasoko yo gufungura, harimo amacumbi, itanura ryabakiriya mu gihe cyubwishingizi bwabanje, gukodesha, imyaka y'imiterere: Niba inzu yubatse hashize imyaka irenze 25, kwiyongera kw'ibiciro by'ibanze bikoreshwa. Mubisanzwe, manda ya politiki (cyangwa amasezerano) yubwishingizi ni umwaka umwe. Hamwe nubwishingizi bwigihe gito, igiciro cyiyongera.

Birumvikana ko umuriro ari ingaruka zikomeye cyane, kuko mubihe byinshi biganisha ku rupfu rwuzuye rwimukanwa nibintu bitimukanwa. Umuriro ntukagira amazu mato cyangwa imitungo minini. Umugereka "ROSGOSSTRAKH" Twahise tubazwa ako kanya ku manza nyinshi z'ubwishingizi zabaye muri Gicurasi-Kamena 2005, iyi sosiyete yishyuye indishyi nyinshi. Muri benshi muri bo, icyateye umuriro wari umuzenguruko mugufi mu mifuka y'amashanyarazi. Ubwishingizi bwishyuwe kubakiriya kumutungo basenyutse biturutse kumuriro ugera ku bihumbi bigera ku 570. Mu mujyi wa apervurasi (akarere ka Sverdlovsk), amafaranga arenga ibihumbi 600. Ku nzu y'igihugu iherereye mu nkengero za Novosibirsk, ahantu hitwa Cainskaya Zaimka (Inzu ya Rosgosrakh (yari ifite ubwishingizi mu nzu ya Rosgosrakh (yari ifite ubwishingizi bwa gahunda ". akarere (akarere ka Moscou).

Niki?

Hanyuma, tuzatanga inama nke kubasanzwe bafite ubwishingizi murugo rwabo cyangwa akazu kandi barashobora guhura nibibazo byishingiwe guhura.

Witondere kubika inyemezabwishyu zemeza ko wishyuye Premium (umusanzu) kugirango ubashe kubona indishyi zubwishingizi.

Niba ibirori byishingiwe bikaba byarabaye, uhita ubimenyesheje isosiyete yawe y'ubwishingizi. Amaterane umunsi cyangwa ibiri, birakenewe kugiti cyawe hamwe nijambo ryanditse ryerekeye kwishyura indishyi zubwishingizi.

Nta rubanza rwimura ibintu byangiritse, ntukureho ibintu byangiritse byumutungo wishingiwe kandi ntugahindure amashusho yubundi buryo, niba ibi atari ngombwa kugirango ugabanye ibyangiritse cyangwa gukuraho ibyago byubuzima nubuzima bwabantu.

Witondere kuvugana numuryango wemerewe gukora iperereza kubyabaye nkumwanya wubwishingizi. Shakisha ubufasha bukwiye. Corgans y'ibigori by'imbere ikeneye kwiyambaza mu gihe ibikorwa bitemewe by'abandi bantu, mu nzego z'ibihe byihutirwa mu gihe habaye impanuka kamere, mu mibiri y'ubugenzuzi ya Leta, mu gihe cya Umuriro, gutwika, ku nzego za Leta zibishinzwe, cyangwa izindi serivisi, serivisi - hamwe n'impanuka yo gutanga amazi, gushyushya, sisitemu yo gushyushya, kuri polisi y'umuhanda, ku bijyanye n'imodoka.

Abanditsi bararakoze rosgosstrakh, Alusno "," uruhushya rwubwishingizi bw'Uburusiya ", Zenit" mu gutegura ibikoresho.