Sinqwenela iDacha ... ithamsanqa

I-inshurensi yezindlu zelizwe kunye nee-cottiges: Ukuhlelwa komngcipheko, ubukhulu bePrim ye-Inshurensi. Iingcebiso zabo sele bezithengise ikhaya labo okanye i-cottage.

Bambalwa abanoyolo, abazizigidi zelizwe elinemigangatho. Ukuhlaselwa, abanini abaninzi beendawo ezinamaphiko. Ungayindisa njani ukonwaba, unganikezeli izinto okanye umntu ongendawo ukuba atshabalalise iminyaka eyenzekileyo? Impendulo icacile: inyanzelisa oyithandayo, kodwa indlu enjalo.

Kwiminyaka nje embalwa edlulileyo, bambalwa abantu ababengaziphathi kakuhle ngokuziphatha bahlawulela uxolo lwengqondo kunye nokhuseleko lwepropathi. Kodwa ngokuthe ngcembe abantu baqinisekile ngemfuno ye-inshurensi yepropathi. Intlalontle yabemi beli lizwe lethu iyakhula (nangona ndingathandanga), indlela yempucuko yobomi isoyisa bonke abaxhasi abatsha. Ukuba i-inshurensi yamagumbi ayikaphuhliswa kakhulu, ke i-inshurensi yezindlu zelizwe kunye ne-cottages nonyaka ngamnye iba ngakumbi kwaye ithandwa kakhulu. Kufuneka sihlawule iinkampani iinkampani zeinshurensi, ethi, "eza kudibana neminqweno yabasebenzi", ikhulisa iinkqubo ezifanelekileyo ze-inshurensi.

Imagazini yethu sele isibhenele kwisihloko seinshurensi. Inqaku lokuqala ", ixhala!" Kwakuyintshayelelo: Iqulethe ukutolikwa kwemiGaqo yamagama ahambelana ne-Inshurensi yePropathi, ukuze iqhelene ne-Azami yakhe. Izinto zesibini "olona tshintsho lubalaseleyo" lwazinikela kwi-inshurensi yoxanduva lwaseburhulumenteni ngexesha lokusebenza kunye nokulungiswa kwamagumbi. Emva koko, kwinqaku elithi "Indlu endiyithandayo," sathetha ngamacandelo einshurensi yamagumbi - izinto zabo zoyilo, ukugqiba kunye nezixhobo, kunye nepropathi yasekhaya. Into yethu yenziwa yi-inshurensi yemali yokubambisa (inqaku elithi "Insouction ... Imbuyekezo").

Andifuni ukuphinda, ngenxa yoko asiyi kubeka umsebenzi wokubamkela imali enkulu kwaye iphindaphindwe yonke into ebithenjelweyo. Siza kugxila kwinto entsha evele kwimakethi ye-inshurensi kutshanje, kwaye kuya kukhanyiselwa amaxesha amaninzi kungabikho ndawo yaneleyo kupapasho lwangaphambili.

Yintoni i-insured?

Izinto ze-Inshurensi zinokuba ziindawo zokuhlala, izindlu, ii-cottiges kunye nezakhiwo ezikwicandelo elinye lomhlaba: Iigaraji, izakhiwo zoqoqosho nezontlonelo, kunye nezinye izinto zoyilo loyilo. Ukuba izakhiwo ezininzi zine-inshurensi ngaxeshanye kwaye (okanye) ipropathi ngaphakathi, qiniseka ukuba iqulethe uluhlu lweempahla eziya kuba yinxalenye yemvumelwano ebalulekileyo. Ukongeza kwiindleko zepropathi yokuthengiswa, kukho ilungelo lobomi ezimbini ezichaseneyo kwindlela abaziintloko.

Kwi-cottage indleko ukuya kuthi ga kwi-10,000 yeedola, kwaye ngamanye amaxesha ukuya kuthi ga kwi-15000 yeedola

Inkampani yeinshurensi yaseRussia ilungele iibhokisi ezibizwa ngokuba "ziibhokisi", okanye ezichaza imigaqo-nkqubo engathengi kuphela kwii-ofisi zeenkampani zeinshurensi, kodwa nakwiivenkile ezinkulu ze-Intanethi kwaye azibizi. Ukuthengwa kweinshurensi kuthatha kuphela imizuzu embalwa, kwaye unokukhetha izixa zeinshurensi ezimbini okanye ezintathu kunye neepremiyamu ezinxulumene neinshurensi (igalelo). I-inshurensi kwezi meko yenziwa ngaphandle kokuvavanywa kwepropathi kunye novavanyo lwayo, iseti yemingcipheko yeinshurensi incinci. Oku kufuphi phakathi kwawo iiprogram (okanye njengabaxhasi, iimveliso) zeenkampani ezahlukeneyo: ) njl.

"Imvume" yeendleko zale mihla zinemikhosi yayo eqhele ukuhlonipha kunye nokunikwa ingqalelo kubathengisi beenkonzo ezahlukeneyo, iindlela ezamkelekileyo kwi-inshurensi ye-inshurensi ekufuneka ihlawule yona. Indawo, ummeli wenkampani yeinshurensi ihlola ngononophelo impahla yokwenyani, emva koko, emva koko i-apprasiser emeleyo iyayixabisa. I-inshurensi yomthengi inethuba lokukhetha iphakheji yomngcipheko apho ucinga ukuthenga ipropathi yakhe. Iinkqubo ze-inshurensi ze-inshurensi yezindlu zelizwe kunye nee-cottiges zinikezela phantse zonke iinkampani ezinkulu, eziphakathi nencinci. Nantsi eminye imizekelo: "I-alpha ilizwe" ("AlranceRavivanie"), "I-Citadiel" ("Rosno"), "I-Rosnosstrakh", " Njengeenkqubo ezingenamagama amahle, kodwa ngenxa yokuba zingatshintshi ubuncwane, kwiinkampani Isosstrakh, "imvume" kunye neqela labanye. I-inshurensi ezininzi zibonelela ngeendlela eziphakathi ezidibanisa ukusetyenziswa ngokulula koyilo (zithi, ngaphandle kokuhlolwa ekhaya, kodwa kunye nokuboniswa kweefoto zayo) kunye nesayizi eyamkelekileyo ye-inshurensi.

Zithini iingozi?

Umgaqo-nkqubo we-inshurensi yepropathi eshukumayo nengashukumiyo inokuthengwa kwi-ofisi yenkampani yeinshurensi, kodwa, umzekelo, kwiivenkile ze-inshurensi ye-inshurensi ye-inshurensi yamakhaya angabizi kakhulu, izindlu kunye nezinye izinto ezinomngcipheko . Oku kuhlala kungumlilo, ukuqhushumba (kubandakanya igesi), umququ wombane, izenzo ezingekho mthethweni zomntu wesithathu, iintlekele zemvelo kunye nomonakalo woomatshini. Amathuba okuqala kweziganeko zincinci, ngoko incinci kwaye ixabiso lomgaqo-nkqubo. Ukuba sithetha ngeendawo ezibizayo nezindlu zelizwe, umnini-nkqubo unethuba lokukhetha ezona mngcipheko ubalulekileyo kuye okanye ukhusela impahla yakhe kwiphakheji yomngcipheko ngokupheleleyo. Emva koko i-bay (i-flue), ukuwa kwenqwelomoya, ukuhanjiswa kwezithuthi, kunye (nezinye iinkampani), zinokuwa kwi-gesi esele idwelisiwe, ukuwa kweglasi yefestile, iindleko zomsebenzi Ngexesha lokulungiswa kwezakhiwo ze-inshurensi (eyonakalisiweyo ngenxa yokukhubekisa umsitho weinshurensi), ukwaphulwa kwenkqubo yetekhnoloji yomsebenzi wokwakha, ubugrogrisi kunye nenani lezinye "ezingaqhelekanga".

Iinkampani zeinshurensi ezifundwayo ngokukrakrahlela ingozi: Enye yonke ingozi yemizuzu ithathwa njengemngcipheko owahlukileyo, abanye bayabahlanganisa amaqhekeza amaninzi. Ngokomgaqo, oku kubaluleke kakhulu. Kubalulekile ukuba ufundisise ngenyameko ikhontrakthi yeinshurensi (umgaqo-nkqubo) kunye ne-annex kuyo ngaphambi kokuba usayine amaxwebhu kunye nokuhlawula imali.

Umlilo -Ukubangela umonakalo wezinto ezibonakalayo kumlilo ongangqalanga, kubandakanya ne-arson, iziphumo zobushushu obuphezulu, umsi, iimveliso zokudibana, ngaphandle kwendawo ene-inshurensi okanye ngaphandle komonakalo obangelwe kwipropathi ye-inshurensi ekufezekiseni imisebenzi yokucima umlilo.

Umbane -ngela ukonakala kwezinto kwifuthe kwangoko lombane kwipropathi ye-inshurensi, nokuba umlilo wenzekile okanye akunjalo. Umonakalo kwi-zipper yezixhobo ze-elektroniki nezombane ngaphandle kokuvela komlilo akunamali.

Ukuqhuma iGaza -ngela ukwenziwa kwempahla yempahla kwifuthe lokuqhushumba kunye neemveliso zomoya ezothusayo, kunye neziphumo zomlilo kwimeko yomlilo obangelwe kukuzibhokoxa kwegesi (ezi nkcazo ziqulathwe kwizixhobo ezibonelelwe yiRosno) .

Izenzo ezingekho mthethweni zabaphathi besithathu -Kubusela, ukuphanga, ukuphanga, i-hooliganism, intshabalalo eyenza ngabom okanye ukonakala kwepropathi ye-inshurensi. Ingcaciso enjalo inikezelwa kwimithetho ye-inshurensi yepropathi yabemi kwinkampani yeinshurensi yaseRussia.

Apha kufanelekile ukubeka i-propt kolu xwebhu: "Ngaphantsi Ubusela Kuyaqondakala njengemfihlo ye-Ebelly-mhlophe yepropathi ye-inshurensi, kunye nepropathi yepropathi ehambelana nokungeniswa kwendawo yeinshurensi ngokuphula ukuthembeka kweenqaba, iingcibi, iindonga, iindonga, iindonga, iindonga, iindonga, iindonga, iindonga. Ngaphantsi Ukuphanga Kuyaqondakala njengokuvula impahla evulekileyo yepropathi ye-inshurensi eyenziweyo ngokungena ngokungekho mthethweni kwindawo ye-inshurensi, ngogonyamelo, kungabi kubomi, okanye ngesoyikiso sobundlobongela obunjalo. Ngaphantsi Kushushu Kuyaqondakala njengokuhlaselwa kokubekwa kwepropathi ye-inshurensi eyenzekileyo ekusebenziseni ubundlobongela kunye nezempilo, okanye ngesoyikiso sobundlobongela obunxulumene nendawo ye-inshurensi. Ngaphantsi holiganism Kuyaqondakaliswa njengolwaphulo-mthetho loluntu, kuhamba nokutshabalalisa ipropathi ye-inshurensi kwaye inxulunyaniswa nokungena kwi-inshurensi, iingcibi, iindonga, iindonga, zigqobhoza. Ngaphantsi intshabalalo yenjongo okanye ukonakala kwepropathi Iqondakala njengentshabalalo yenjongo okanye ukonakaliswa kwepropathi ye-inshurensi eyenziwe yi-arson okanye ukuqhuma. "

I-cisc "Iintlekele Zemvelo" Ihlala iquka izikhukula, iWhirlwind, isaqhwithi, i-tornado, ingcinezelo yekhephu, inyikima, i-Avalanche, inyibilika, ukuqhuma kwentaba-mlilo. (Ngaphantsi koxinzelelo lwe-Snow "lithetha ukuphulukana nexabiso lexabiso eliqinileyo (ikhephu, ikhephu) kwixabiso elingaqhelekanga lendawo engaqhelekanga, kodwa ingaphantsi kwe-20mm yexesha elingaphezulu kwe-12h, isiphumo se Ukutshatyalaliswa kwezinto zolwakhiwo zophahla kunye nomonakalo olandelayo kwipropathi ngokwakha.) Kwezinye iinkampani (umzekelo, "imvume") imvume yefuthe lemithi kunye nokuwa kwemithi kunye Inqwelomoya, uqhuba imoto.

Bay Njengomthetho, biza ukuba usebenze ngomonakalo wezinto ezibonakalayo ngenxa yefuthe lokufuma (amanzi okanye umphunga we-vill) ngenxa yengozi yamanzi, i-suble, inethiwekhi, kunye nokungena kwamanzi avela kumagumbi angabamelwane . Ezinye iinkampani zibandakanya kweli qela lemingcipheko kwizikhukula, isivuno samanzi aphantsi komhlaba, kunye nomonakalo wepropathi ngenxa yokucima umlilo.

Kwindlu nganye okanye ukuphatha kuyahambelana nawo olwabo kunye nezabo, umngcipheko othile. Masithi zezakhiwo ezikufutshane namanzi, kufanelekile ukuthethelela iintlekele zemvelo, kubandakanya nezikhukula, indlu ehlathini-ukusuka kwimithi eyawa. Kodwa ayaziwa ukuba iyavakala na imali eyongezelelweyo kwaye inyule umngcipheko we "izenzo ezingekho mthethweni zomntu wesithathu", ukuba indlu ikwindawo ekhuselweyo enendawo yokujonga. I-AVOTI engakhathali kwintsebenziswano yegadi, oyindwendwela kuphela ehlotyeni, kwaye ayisiyiyo yonke impelaveki, i-inshurensi kubusela kunye noHooligan bunyanzelekile.

Lo msitho we-inshurensi wenzeka kumazantsi edolophini, kwilali encinci. Indawo imele ikwizindlu zendlu yomlambo. I-Primeyos yesikhukula sentwasahlobo ngo-Epreli 2005 Apha kurekhodwa ukunyuka kwamanzi emlanjeni ukuya kwinqanaba le-1.8m ukusuka kwi-ordinar, ngenxa yoko, amacandelo aliqela aphelelwe zizikhukula zonke izakhiwo. Indlu eboniswe kumzekeliso yayiyi-inshurensi kwinkampani "imvume".

Isixa sembuyekezo ye-inshurensi kule meko yeinshurensi igqithile kwi-ruble ye-ruble ezingama-600. Kwiindleko zomgaqo-nkqubo weinshurensi ye- $ 690 (malunga ne-19.5 i-rubles).

Ingakanani?

Ubungakanani beNtloko ye-Inshurensi (igalelo) phantsi kwemvumelwano yeinshurensi ithathe ubunzima obukhulu. Inkampani yakho ye-inshurensi isebenzisa iindlela zabo zokubala. Kodwa eyona nto ibaluleke kakhulu yile nto ichaza indleko ze-inshurensi-le yirhafu (iphindaphindiwe elixabiso ngeendleko zepropathi ye-inshurensi, sifumana isixa sePremiyamu ye-inshurensi unyaka wonke). "Kuxhomekeka kwiseti yomngcipheko, imali esisiseko yokwakha i-Inshurensi inokuba yi-0.22-0.7% ye-inshurensi, eyasekwa kulungelelwaniso phakathi kwe-inshurensi kunye ne-inshurensi, uMongameli Inkampani "Rosgosstrakh". - Yehla okanye unyuse iirhafu unokuxhomekeka kwizibonelelo ezichaphazela i-inshurensi ye-inshurensi yendalo efikelela kuyo Ukonyuka kwexabiso lerhafu. Kwaye, ngokuchasene noko, ubukho bomsebenzi ojikelezayo (Guard) okanye ukulinda, ukuthathela ingqalelo kwisikhululo somlilo kunye nezinye izinto ezifanayo zinciphisa irhafu. "

Ingcinga yoogxa gadalala iyaqhubeka uAlexander Kabanov, UMlawuli we-Inshurensi ye-Inshurensi ye-zenit: "Ukongeza, ireyithi yexabiso eliyisetyenziswayo yi-0.15% yekhonkrithi enkulu Ukwakha, kunye nezakhiwo ezincinci zenkuni zezakhiwo ezincinci ezinjalo. Njengebhafu, - sele i-2%. "

"Iirhafu ezisisiseko zonyaka ezixhomekeke ikakhulu kwixabiso lepropathi," yongeza i-Artam Spark, uSekela Mlawuli we-Rosno kwi-50 000 kwinkampani yethu yenkampani ukusuka kwi-0.4 ukuya ku 1, 1%, kwaye ngaphezulu kwesi sixa-ukusuka kwi-0.3 ukuya kwi-0.35%. Amaxabiso axhomekeke ekukhetheni kweendonga kunye nendlela ekhethiweyo yeinshurensi.

"Kwinkampani yethu, inqanaba lerhafu ye-inshurensi yendawo yokuhlala kunye nezindlu zinokuba yi-0.3-1.6%, ukuba indlu ofuna ukuyifumana ikhuselekile Ukuhlaliswa, inkampani inokubonelela ngesaphulelo se-0.05%, kwaye ukuba kukho umlilo okanye olunye uphawu, isaphulelo siya kuba yi-0.15%. "

Ezi zaphulelo kunye nokuhlawulwa, okanye okubizwa ngokuba yinyuko kunye ne-coefficients eziphantsi, ziyakwazi ukuchaphazela ubukhulu bexabiso le-inshurensi, ngakumbi ukuba indleko zepropathi ye-noventi zinkulu. Ke, ungavumi i-0.05% ye-inshurensi ye-inshurensi kwi-1 MLPR. Yenza i-ruble ezingama-500, kunye ne-0.15% - i-ruble eziyi-1500, kwaye zonke izilungiso zishwankathelwa. Iinkampani ezininzi zibonelela abathengi kunye nezaphulelo ngonyaka ngaphandle kwe-inshurensi engenako ilahleko ukuba kukho isivumelwano esikhoyo kunye nale nkampani yeinshurensi kwaye xa isuka kwenye inkampani yeinshurensi. Iyonke zonke izaphulelo zinokufikelela nge-30%.

Ngonyango lwezinto zoluleko, uluhlu lwamaxabiso alunakuphela kuphela, kodwa nako (malunga noku, kunjalo, ii-inshurensi azithandi ukuthetha). Ukonyuka okukhulu kwiindleko zomgaqo-nkqubo kukhokelela kwezi zinto zilandelayo: Ubukho bonxibelelwano ngegesi kunye nemithombo yendawo yokucima umlilo, ilahleko yomthengi kwixesha le-inshurensi edlulileyo, ukuqesha, ukuqesha, iminyaka yesakhiwo: Ukuba indlu yakhe yakha ngaphezulu kweminyaka engama-25 eyadlulayo, ukwanda kwerhafu esetyenzisiweyo kuyasetyenziswa. Ngokwesiqhelo, ixesha lomgaqo-nkqubo (okanye ikhontrakthi) ye-inshurensi ngunyaka omnye. Nge-inshurensi yexesha elifutshane, irhafu iyanda.

Ewe kunjalo, umlilo ngowona mngcipheko uyothusayo, kuba uninzi lwamatyala lukhokelela ekufeni ngokupheleleyo kwepropathi eshukumayo nengashukumiyo. Umlilo awusosinga aziyizizindlu ezincinci, nezi zinto zakudala. Isincamathiselo "iRosgosstrakh" Sixelelwe ngokukhawuleza malunga ne-Inshurensi yee-Inshurensi ezayo ngoMeyi-Juni 2005, apho iNkampani ihlawula i-inshurensi enkulu. Uninzi lwabo, unobangela womlilo yayisekethe emfutshane kwi-wiring yombane. Iintlawulo zeinshurensi kubathengi bepropathi etshatyalalisiwe ngenxa yomlilo ofikelela kwi-570 yamawaka ruble. Kwisixeko se-Apervaralsk (ingingqi ye-Sverdlovsk), ngaphezulu kwamawaka angama-600 i-ruble. Kwindlu yelizwe ebekwe kwi-novosibirsk, indawo ebizwa ngokuba yiKaineskaya Zaimka (i-inshurensi yendlu "), ngaphezulu kwamawaka ama-400 amawaka athile kwi-DotTodiovoVon Isithili (Ingingqi yeMoscow).

Kwenziwe ntoni?

Okokugqibela, siza kunika iingcebiso ezimbalwa kwabo sele beyithengise ikhaya labo okanye i-gothrege kwaye banokujamelana nomcimbi we-inshurensi ukuya ebusweni.

Qiniseka ukuba iirisithi eziqinisekisa ukuhlawula intlawulo ye-inshurensi (igalelo) ukuba likwazi ukufumana imbuyekezo yeinshurensi.

Ukuba umsitho we-inshurensi usenzekile, ngoko nangoko uyixela kwinkampani yakho yeinshurensi. Usuku lwamanzi okanye ezimbini, kufuneka ukuba uze kwindawo ebhaliweyo malunga nentlawulo yembuyekezo ye-inshurensi.

Akukho meko ayihambisi impahla eyoyikisayo, musa ukususa izinto ezonakalisiweyo zepropathi ye-inshurensi kwaye ungawutshintshe umzobo womonakalo ngenye indlela, ukuba ayiyimfuneko ukunciphisa umonakalo okanye ukuphelisa umngcipheko wobomi kunye nempilo yabantu.

Qiniseka ukuba nxibelelana nombutho ogunyazisiweyo ukuba uphande ngeziganeko ezifana ne-inshurensi yakho. Fumana apho uncedo olufanelekileyo. I-Corgi yeMicimbi yangaphandle kufuneka ibhengezele kwimeko yezenzo ezingekho semthethweni zomntu wesithathu, kumacandelo enkonzo ye-hydromelorolos kunye nobulungiseleli beemeko zoncedo lwemvelo, ngexesha le Umlilo, i-Arson, kumaqumrhu ochaphazelekayo, okanye ezinye iinkonzo, inkonzo-ngengozi ekunikezelweni kwamanzi, ukufudumeza, iinkqubo zokuntywila, kumapolisa ezithuthi, kwimeko yezithuthi.

Abahleli bebulela iRosgosststhrakh, i-Alrakhhovanie, "iRosno", "imvume", "i-inshurensi yeinshurensi yaseRussia", "i-zenit yoncedo kwimpahla yezinto.