Imibuzo ye-Inshurensi yePropathi yePropathi: Izinto, umngcipheko weinshurensi kunye nerhafu, inyanga yesiphelo, imbuyekezo yembuyekezo.
Ngandlela thile ukuba sisityebi ngakumbi kunabahlwempuzekileyo. Xa unegumbi, indlu, imoto kunye nezinto ezixabisa kakhulu, sele unayo into yokulahleka. Utolo lwentlalo-ntle yakho aluyekisi izinto zolwaphulo-mthetho. Unjani? Khawufane ucinge ukuba uhlawulele ukhuseleko lwepropathi eqinisekisiweyo: ukubeka ialam, uqeshise ukhuseleko kwaye, kunjalo, ukhusela into kunawe.
Ifoto yeV.neDedov kule minyaka mibini idlulileyo, izinto ezininzi ezinikelwe kwi-inshurensi zapapashwa kwijenali yethu. Kwakumalunga ne-inshurensi yamagumbi kunye nezindlu, i-inshurensi yemali, insumpa yoxanduva lokulungisa nokusebenza kwezindlu. Namhlanje sicebisa ukuba sithethe ngentshukumo yepropathi. Zeziphi izinto ezingenakuba zizinto zeinshurensi? Yintoni evakalayo ukuba inyanzelise ukuqiniseka? Ngaba kunokwenzeka ukuba ukhumbule ipropathi eshukumayo ngokwahlukeneyo? Leliphi ixesha lokuthenga i-inshurensi? Ixabisa malini kwaye ixabiso labo lixhomekeke phi? Ngaba ukubuyiselwa kwemali kwi-inshurensi yakho ihlawulwe? Masizame ukuphendula le mibuzo.
Yintoni engenayo i-inshurensi?
Ukuba ucinga njalo, kumagumbi ethu kunye nezindlu zikho izinto ezixabisekileyo okanye ezingaphantsi kweyona nto ixabisekileyo endingayifuni. Nangona kunjalo, ezinye zazo azinakuthathwa njengendawo yeinshurensi. :Imibhalo yesandla, izicwangciso, izikimu, imizobo kunye namanye amaxwebhu;
ulwazi kwimithombo yeendaba zayo naziphi na iintlobo;
imali (kwi-Russia okanye imali yangaphandle);
Ukhuseleko (ukunyusa, iindleko, njl.);
Izinyithi ezixabisekileyo kwizinto zenugges, iidayimani ngaphandle kwezakhelo;
Izityalo zangaphakathi, izithole kunye nembewu.
Ukongeza, i-inshurensi ezininzi ayizizo iifowuni eziphathwayo kwi-inshurensi. Akukho nkampani iya kuyifaka ipropathi kwizakhiwo ezingxamisekileyo, eziphilayo apho ukusetyenziswa kolawulo lukarhulumente. I-Anecute i-inshurensi iyala ukujongana nezinto ezigcinwe kwizakhiwo ezidiliziweyo. Ukongeza, izinto kunye nezinto zihlala ziqinisekiswa sisikhuselo seinshurensi kuphela kwi-inshurensi ye-inshurensi, oko kukuthi, ngaphakathi kwindlu ethile okanye kwindlu ethile apho umniniyo uhlala khona.
Nangona kunjalo, ukungafani okunqabileyo kunokwenzeka kwimithetho. Ke, umzekelo, iqela le-alfactory liya kuba noxanduva lwemali onayo ekhaya ukuba ufumana ipolisi yeinshurensi yesixeko se-alpha. Kwaye "iRosgosststrakh" Ngamanye amaxesha iya kuba nakho ukubonelela ngokhuseleko lwepropathi oyithathayo nawe, ushiye iholide okanye uhambo lweshishini.
I-inshurensi kunye nezinto zeinshurensi
Yonke ipropathi kufuneka ibe ye-inshurensi okanye amalungu osapho lwakhe. Iwam kuya kufuneka ibonakalise ukuba ngokwakho. Ngesi kufuneka sinike amaxwebhu afanelekileyo, anjengetsheki ezivela ezivenkileni,
Ukunikwa kwekhaya, ukusebenzisa, ukusebenzisa, ukunyanzelwa ukuba kuhlangatyezwane neemfuno zekhaya nezenkcubeko, izixhobo zevidiyo, izixhobo, izihlangu, ii-inish, ii-embona , iincwadi, iibhayisikile, iinqwelwana zomntwana, iithoyi.d. Iimveliso ezahlukileyo zemveliso ezivela kwizinyithi ezixabisekileyo kunye needayimani, ukuqokelelwa, iipeyinti, i-antiques kunye nezinye izinto ezinexabiso lenkcubeko elipheleleyo okanye lixabiso lakho. Kwimigaqo, unokukhusela kunye nokuzingela imipu (ubukho bemvume yokugcina kwaye unxibe), iinxalenye ezikhoyo zezithuthi, izixhobo zokwakha, iimpompo, i-lawn. , amangcwaba (amatye aqingqiweyo, iingcingo, ii-canopies) nangaphezulu.
Yeyiphi ipropathi abantu abafunwayo rhoqo? Uninzi lweinshurensi luye lwavuma ukuba luyinto ebiza i-audio kunye nevidiyo, ifenitshala kunye neemveliso zoboya.
Ukuthetha malunga nokukhetha izinto zeinshurensi, zonke iingcali zibonisa ukubaluleka kwenkcazo echanekileyo yexabiso labo kwaye, ngokufanelekileyo, i-inshurensi ye-inshurensi. "Ukuba idlulile, umthengi uya kunyanzelwa ukuba ahlawule i-Inraimu ye-Inrimium enkulu kakhulu (igalelo), kodwa imbuyekezo iya kufumana kuphela kwimali engadlulanga kwixabiso lepropathi, - icacisa i-Martan Protasova, iNtloko yomngcipheko womfundisi ISebe le-Inshurensi esuka emlilweni kunye neengozi ezihamba kunye nenkampani "i-inshurensi yeinshurensi iphantsi, umthengi uza kufumana intlawulo yeinshurensi kwisivumelwano seinshurensi, ukuya Ixabiso lokwenyani lepropathi ye-inshurensi esekwe kuthathelwa ingqalelo impahla yezinto. Umzekelo, ukuba umxhasi uxhamle impahla yokukhohlisa i-30 yesigidi, iya kufumana imbuyekezo ye- $ 25 yamawaka . (50% ye- $ 60 yamawaka e-akhawunti inxibe i-akhawunti) ".
Ingcinga yeqabane iqhubeka i-lymilavich, intloko yesebe le-inshurensi yenkampani "ye-Mrss": "Utshintsho lwembuyekezo ye-inshurensi ibalwa ukuba inxibe ipropathi kunye nemali ihlawulwe kwisiseko Ixabiso lokuthenga ngesifundo esifanayo ngosuku lwesatifikethi seinshurensi. Ithi ngakumbi isebenza kwiikhompyuter zakho ezikhawuleza kakhulu. "
Ngokubanzi, imali yeinshurensi isekwe sisivumelwano samaBakala (i-inshurensi kunye ne-inshurensi) kwaye ayinakudlula kwixabiso lokwenyani le-inshurensi (okanye izinto) ze-inshurensi. Izimilo ezisandula ukumiselwa ngexesha lokuqukumbela ikhontrakthi yeinshurensi, "kwisiseko esiyimfuneko ekufumaneni isifundo, ifana ne-inshurensi, irekhodiwe, umzekelo, kwi Imigaqo ye-inshurensi yenkampani "imvume". Kucacile ukuba ngexesha le-akhawunti yemvumelwano yeinshurensi, ixabiso lepropathi linokuncipha okanye linyuke. Iitsheki ziya kwenziwa zithathele ingqalelo utshintsho lwamaxabiso.
Zonke ii-inshurensi ziphuhlisa iindlela zabo zokumisela ukunxila kwepropathi. Nantsi eminye imizekelo evela kwi-Inshurensi ye-Inshurensi yeProjekthi. Ifanitshala eqinileyo (iikhabhathi, iitafile, imisipha.P.), Yenziwe ngeenkuni ezixabisekileyo ezi-2, kwaye zenziwe nge-chipboard okanye yenziwe nge-chipboard thew, ipeyinti .- nge-3% . I-TVS yeTVs kunye neenkqubo ze-acoustic "ziluphala" ngonyaka nge-6%, kwaye, umzekelo, iicomputer, ikhitshi, ikhitshi, i-jacker kunye neejakethi zesikhumba - i-jackes, i-jackes, i-jackes, i-jackes, i-jackes, i-jackes, i-jackes, i-jackes, i-jackes, i-jacker. Iingubo zasemzini, iibhloko kunye ne-skirt, kunye nehempe yamadoda kunye nee-T-shishinke zinenyanga ezili-12 nge-20%, i-30%.
Masitsho ukuba uthatha isigqibo sokuthenga idyasi yoboya kulo nyaka ungaphambi, ixabiso laso lentengiso liya kumiselwa namhlanje, kwaye alikho ngexesha lokufumana (iminyaka emibini le pesenti), kuthathelwa ingqalelo I-7% ngonyaka. Ijika ukuba uthenge emva koko nge- $ 2 yamawaka. Idyasi yoboya ngoku inokuqikelelwa kwi- $ 35. Thabatha 27 = 14%, oko kukuthi, malunga ne- $ 2600.
Oku kusebenza kuphela kwizinto eziqhelekileyo zemihla ngemihla ezisetyenziswa yi-inshurensi kunye nendlu yayo. Iimeko ze-inshurensi ye-antique, imizobo, ipeyinti kunye neminye imisebenzi yobugcisa ihlala ithile. Iingcali zeengcali ziyabandakanyeka ekuzimiseleni kwexabiso leli tyala elithile, kubandakanya uvavanyo oluzimeleyo. Inyani yile yokuba ngoku imakethi igcwele izikhukula ezikumgangatho ophezulu, kwaye ukwahlula kwizinto zokuqala zabasebenzi abambalwa.
Xa uthenga i-inshurensi, kubalulekile ukufumanisa ubungakanani beinshurensi. Isungulwa sisivumelwano samaqela kwaye asinakudlula kwixabiso lepropathi kwindawo yalo ngosuku lwemvumelwano yophando. Ukubala isixa esifunekayo sokuthenga isifundo esifanayo nesincinci.
Kunye okanye ngokwahlukeneyo?
Ifoto yePropathi yeV.nedov eshukumayo inokuthuthuzelwa ngokwahlukeneyo, ngokwayo, kunye nokuhonjiswa kunye nezixhobo. Xa kufikwa kwizindlu zelizwe, uDachas kunye nezinye izakhiwo, ukwakhiwa kokongezwa njengento yeinshurensi, oko kukuthi, ukuthwala izinto zezakhiwo. Apha kuyimfuneko ukuqaphela ukuba enkulu inani elikhulu lezinto ozikhethayo (umzekelo, eyakhayo ++ Gqiba ipropathi + yepropathi enokususwa), ezantsi kwexabiso le-inshurensi lomntu ngamnye kubo.
"Umntu unokukhusela kuphela oko abonayo, ubuncinci ingubo yoboya kwi-sudukovich evela kwi-mrss. Omnye umbuzo ulungile. "Rhoqo, ipropathi eshukumayo inyanzelisa abantu abathabathayo kwigumbi lokuthatha indawo kwaye bafumane izixhobo zekhaya, izixhobo, kwaye basebenza kwi-Arpeenters, - ukongeza, ukongeza, abanye abathengi abayi koyiki loo nto Indlu yabo okanye indlu iya kubandezeleka emlilweni okanye i-bay, kodwa bayoyika i-thefbry, i-Antiques.p. i-inshurensi izinto ezizodwa ezivela kwimingcipheko ethile. "
Uninzi lwabalimi lufuna ukufumana indawo yokuLuhlulwa kwi-Inshurensi, ukugqiba kwayo kunye nepropathi yasekhaya, yaza yabelana ngamava e-Inshurensi yePhola ye-I-Inshurensi, uMongameli weRosgosstrakh. "Kodwa oku akuthethi ukuba ipropathi ayinakho ukuthuthwa ngokwahlukeneyo., hayi kwiphakheji epheleleyo, kodwa kunye nomngcipheko omnye, thetha umlilo okanye ubusela. Yonke into iza kuxhomekeka kwiminqweno yomthengi kunye neemeko zemveliso yeinshurensi. " Ngokubanzi, ngokutsho kwe-MariyaAnov Protasoony evela kwinkampani "I-inshurensi yemali", iinkqubo ezibanzi zivumela umniniyo ukuba anyule phakathi kwexabiso eliphezulu: Ukunyanzeliswa kwezinto ezinokubakho (umngcipheko we ukonakaliswa kubamelwane). Ii-Intelli, iinkqubo zeinshurensi ezihlanganisiweyo kufuneka ziqwalaselwe kakhulu kubathengi.
Kumgaqo, unokukhusela nantoni na, ubuncinci ingubo yoboya kwingubo. Enye imeko ihlawulelwe oku. Iinkqubo ezibanzi zokufumana i-inshurensi yoyilo loyilo lweNdlu yeNdlu, ukugqitywa kwayo kunye nokuGqibezela kwePropatithi ngaphakathi kweyona nto inkulu kakhulu.
Unyaka okanye uNastyar?
Ngokwesiqhelo isivumelwano seinshurensi yePropathi seProjekthi siyonyaka. Imalunga neendleko zomgaqo-nkqubo kwimixholo ngokwesiko kwaye uthethe. Kodwa ayizukuvalwa yigumbi elishiyiweyo engakhathalelwanga ukuba ushiya yonke i-nasheyz? Ngaba i-cottage, ishiywe ngabemi ngobusika? I-Inshurensi yoNyaka iyabiza, kodwa yezinto zothusa ...Kuzo zonke iinkampani onokuthi unokuqiniseka ipropathi kangangesithuba sonyaka. Kodwa ixesha elincinci, eyona nto ixabisa kakhulu umgaqo-nkqubo. Oko kukuthi, amaxabiso ayixabiso alungelelene ngokuthe ngqo kwikota ye-inshurensi. Ukuqukumbela kwemvumelwano yeinshurensi ye-Inshurensi ye-Inshurensi kuya kubiza kwiinkampani ezahlukeneyo ze-15-25% yexabiso lonyaka (hayi i-8%, njengoko ingenzekile nge-12), ukuba i-2 ukuya kwi-30-35% (endaweni ye-16 %), kwiinyanga ezi-3-50% i-IT.D. Ukutyala imali kwithuba ukusuka kwiinyanga ezi-6 ukuya kwezi-12 ngokubanzi akulunganga - kube lula ukufumana umgaqo-nkqubo oqhelekileyo wonyaka.
Ezinye iinkampani zibonelela ngeenkqubo ze-inshurensi zexesha elifutshane. Umzekelo, kwilizwe le-alpha ilizwe, elivumela ukuba ukhusele indlu yelizwe. Kwangelo xesha, i-inshurensi inoxanduva lokunqongophala kokufa kunye nomonakalo kwipropathi esekwe kwindlu yomthengi, kwiiholide kunye neempelaveki. Ngapha koko, nokuba ayikho i-inshurensi okanye ekhaya. Kwaye uRosno ubonelela nge "Ikhaya kunye" nekhaya lakho lokuzonwabisa ", ukuthenga ukuba ungayigcina indlu yakho kunye nepropathi yakho eshukumayo ngexesha leholide.
Umngcipheko kunye nerhafu
Kwiphakheji yomngcipheko epheleleyo, ipropathi eshukumayo iluncedo kwi-inshurensi, kuba umngcipheko ngamnye uya kubalwa ngenqanaba elincinci. Nantsi idatha kwinkampani "imvume": Intlawulo yerhafu esisiseko yephakheji yomngcipheko ngokupheleleyo iya kulingana ne-0.66%, kwaye ukuba ukhetha amaqela abeka umngcipheko odweliswe apha ngasentla, kunye nexabiso le-10% .
Xa kumiselwa irhafu ye-inshurensi, ibalisa kakhulu apho izinto zigcinwa khona: amagumbi angaphakathi, izindlu zelizwe okanye amaziko. Kumkhuselo we "Inshurensi ye-Capiral" Ngexesha le-inshurensi epheleleyo apho kukho uluhlu lwexabiso le-0.5-1.2% yepropathi enokususwa kwizakhiwo ezahlukileyo ezikwizakhiwo ezahlukileyo, kunye ne-0.9.9% kumagumbi.
Ixabiso le-Inshurensi ye-Inshurensi (igalelo), okanye iindleko zomgaqo-nkqubo, zibalwa njengomsebenzi we-inshurensi ye-inshurensi kunye nerhafu ye-inshurensi, ibonakaliswe njengepesenti. Umzekelo, ukuba ufuna ukuthengisa ipropathi enokususwa kwi-30 yamawaka, abekwe kwigumbi, kwi-Inshurensi yoNyaka, kuya kufuneka ahlawule i- $ 261-330 (intlawulo.87-1), kuphela ekuthini $ 105-135 (Uluhlu lweerhafu 0.35-0.45%), kwaye, masitsho, sivela emonakalweni-60 (irhafu 0.15-0.2%). Idatha inikezelwa yi-MDS.
Indleko yomgaqo-nkqubo weinshurensi ixhomekeke kwinani lemingcipheko oyikhethileyo: mlilo, bay, izenzo ezingekho mthethweni ze-IDR yesithathu idr. Into abanayo ngaphezulu, iphantsi irhafu nganye. Umzekelo, xa ugcina iphakheji yomngcipheko epheleleyo, irhafu iyonke ingafikelela kwi-0.9%, kwaye ishwankathela amaxabiso ngokwahlukeneyo, siya kufumana malunga ne-1.5%.
Intlawulo yembuyekezo
Ifoto ngu-E. kunye ne-S. Morgunovy ukuba unomcimbi osisikhumbuzo, zama ukuchukumisa nantoni na kwaye ungafikeleli kwindawo yakho okanye wenze isoyikiso ebomini okanye impilo ejikelezileyo). Fowunela amapolisa, abacimi-mlilo, imeko kaxakeka okanye ezinye iinkonzo, kuxhomekeka kwiimeko, kwaye uqiniseke ukuba wazise ngento eyenzekileyo kwinkampani yeinshurensi. Khumbula ukuba ngaphandle kwesalathiso kubasemagunyeni abachaphazelekayo, imbuyekezo ye-inshurensi ayizukuhlawula. Inyani yento eyenzekileyo mayiqinisekiswe ngokubhaliweyo.
Iingcali ezivela kwiSebe leNtlawulo yeNkampani yeinshurensi ziyenzeka kwindawo (yonke into ibini ngabacuphi baseMelika), kwaye kunzima ukutsala into kubo. Zixhobile ngeekhamera kwaye zinamava amakhulu emagxeni abo. ITo yindalo, kuba sithetha ngemali.
Ayizizo zonke iinkampani ngokukhawuleza kwaye ngembuyekezo ye-inshurensi yokuhlawula. Oku kuthethethwa ngabathathi-nxaxheba kwimarike, kwaye abantu ababenokujongana nesiganeko se-inshurensi. Kodwa yintoni kanye kanye ukuba ingayenzi ukukhohlisa i-inshurensi (ngokwandisa inani lomonakalo, ifanisa umcimbi ogcinayo, njl. Njl.). Igalelo lophando lweenkcukacha ngokuqinisekileyo liya kuphakama, kwaye ungayenza "kwityala lolwaphulo-mthetho ...
Ungayenza njani umlilo okanye i-bay, yonke into ingaphezulu okanye ingaphantsi. I-Avata isebenza kwipropathi eshukumayo yeyona mibuzo inzima kunye nokugula. Ukuya kuqinisekisa ipropathi yakho kulo mngcipheko, khumbula ukuba uninzi lweenkampani zenkampani zigcina ipropathi enokususwa kuphela kubusela ngentambo. Ukuba ucango lwavula isitshixo (wena ngokwakho, amalungu osapho lwakho okanye abahlaseli) kwaye utyale izinto zexabiso, akuyi kubakho imbuyekezo yeinshurensi. Inyani yezenzo ezingekho mthethweni zomntu wesithathu kufuneka zingqinwe lisatifikethi esivela emapoliseni sokuba kwaqaliswa ityala lolwaphulo-mthetho kuyo nakwityala labo lolwaphulo-mthetho. Ngokuchaseneyo, ayisiyiyo le nto.
Abahleli benkosi benkosi rosgosststhrakh, "imvume", "i-inshurensi yemali", "MSD" kunye "nomkhosi" woncedo ekulungiseleleni izinto.