I-inshurensi yezindlu ifanelekile ukuza kuthi ga kulo mhla. Masithethe malunga nemigaqo-nkqubo yeinshurensi kunye namatyala eyokwenziwa kwembuyekezo okanye awenziwanga.
Ngaba indlu yakho kunye nezinto ezikuyo zifumaneka? Impendulo entle ngoku icacile ukuba babemi abaninzi belizwe lethu. Amazwe aphuhliswayo ngekhe avakalise umbuzo onjalo: EYurophu kunye neUnited States, nayiphi na impahla eshukumayo nengashukumiyo nengashukumiyo i-inshurensi, enexabiso lentengiso, kwaye lelona lithi.
Ngo-2004 Imagazini yethu ijonga isihloko se-inshurensi yezindlu kabini. Kwinqaku elithi "kude, Ixhala!" Kwakukho intetho malunga nezinto kunye nezifundo ze-inshurensi, umngcipheko weinshurensi kunye namatyala, amanani kunye namabhaso, isichazi-magama sizisiwe. Kwinqaku elithi "AbaTyengikazi abaNxibelelani" Besithetha ngokufana kunye nento enokwenzeka ye-Inshurensi yoLuntu ngexesha lokumiselwa ngokutsha kunye nokuhlengahlengiswa, kunye nokusebenza kwezindlu.
Namhlanje siza kuchaza ngakumbi ngenkcukacha zeinshurensi yamagumbi: Sibonisa iinkqubo ze-inshurensi zeenkampani ezahlukeneyo, zisombulula ukuba zeziphi iingozi ezifanele ukuba zikhuselwe kule polisi kunye nepropathi, kwaye Qwalasela amatyala e-inshurensi equkethwe okanye engasebenzi.
I-DMIMMY Maslov, intloko yeziko leinshurensi ye-inshurensi, uMongameli weNkampani yeRosgosstrakh
"Izisongelo zamagumbi kunye nezinto ezinokuthi zihlukene kakhulu: ubusela, izikhukula, umlilo. Nokuba sithetha nge-inshurensi yepropathi yasekhaya, ke apha ingozi eqhelekileyo yile Ubusela, kwaye ukuba malunga nokugcina umonakalo wamanzi angaphandle okanye ngenxa yomlilo. I-Istibers zihlala zithathelwa ingqalelo kwimvumelwano yabantu. Ukuba lo mngcipheko unciphise uxanduva lwawo lwezezimali ( Umzekelo, kwimeko yendlela yokuhambisa amanzi okungalindelekanga). "
I-Sergey Stepanov, iNtloko yeSebe le-Inshurensi ye-Inshurensi yePhathi yePhathi yePropein "imvume":
"Indlu yayo yokwenyani ifuna ukukhusela abanini bendlu kwizakhiwo ezitsha kunye nabaqeshi bezindlu ezindala. Igumbi ngalinye lezakhiwo zibaluleke kakhulu ukuqinisekisa (igumbi lokusweleka), ezo, iindonga ngqo. Emva kwayo yonke loo nto, indlu izakuhlala. Abanye abaqeshi bayalungisa, bahlala bengakhange baqwalasele imithetho kwaye basuse i-inshurensi yoomonakalo. Ngokulinganayo Kwiinkampani ezininzi ezibandakanyiwe kwinkqubo ye-Inshurensi ye-Inshurensi esemgangathweni. Abanini bezindlu kwizindlu ezindala, apho inkqubo yoqinileyo eqinileyo kunye nenkqubo ye-wiring enxitywe, kufanelekile, umniniyo, kufuneka awaziwe njenge Ubungakanani bento yeinshurensi, kwaye ukhetho lomngcipheko luxhomekeke ikakhulu kwilizwe lendlu apho igumbi lenziwa khona i-inshurensi. I-LI MFAY NOKHUSELEKILE Ukuba uya kwindlu, esele yakhiwe kwiminyaka emithandathu kwaye akukho zinto ziyingozi ecaleni kwayo, njengokwakha okanye iindonga zomoya, kodwa ke unganyanzeliswa kuphela. Kodwa, kumava ethu, nayiphi na imingcipheko isenokwenzeka. "
I-Artem Spark, iNtloko ye-Inshurensi yeProjekthi yePropathi yePropathi yabantu yenkampani iRosno:
"NGOKUFANELEKILEYO OKUKHUSELEKILEYO KWIINGXAKI ZE-Inshurensi. Abanini bafuna ukukhusela iipropathi zabo ezingashukumiyo kunye nepropathi eshukumayo, kunye netyala lezinto ezinokubangela impahla, kubandakanya i-inshurensi efanelekileyo Umlilo, Bay, izenzo zamazwe aphesheya kunye nemingcipheko ebangela uncumo, njengokuwa kwenqwelomoya kunye neentlekele zemvelo. I-AVEDA kufuneka ikhunjulwe kukuwa kwe-pustheast yeziganeko ze-mpuma. "
Iinkqubo zeinshurensi zeinshurensi
Kwiinkampani ezahlukeneyo, banamagama angalinganiyo, kodwa kwiinkqubo ezininzi ziyafana. Masizame ukuhlalutya izindululo zeinshurensi. Zonke iinkqubo zeinshurensi (okanye, njengamagcisa zithi, iimveliso zeinshurensi) zinokwahlulwa kuba ngamaqela amabini aphambili. Iimveliso zokuqala zeklasi, yesibini. Umahluko wabo osisiseko uhambelana kwinqanaba lokuthintelwa komntu ngamnye: malunga nokufana nokungaqondakali phakathi kwabo, yithi, ifenitshala yombhali kunye ne-serial ye-serial okanye iposta ye-perter kunye neposta.I-Inshurensi ye-classical ibonelela ngendlela nganye kumthengi kunye nepropathi yayo: Ukuhlolwa kwendawo ye-inshurensi ngummeli wenkampani, ukuvavanya ixabiso lepropathi le-inshurensi, ukukhetha uluhlu lweempahla ezininzi zeinshurensi , amathuba okwenza utshintsho kwimvumelwano ngexesha le-inshurensi, njl njl. Ezi nkonzo zinzima, kunjalo, iindlela, kodwa zenzelwe ukuba zihlawulwe kwaye zikulungele ukuhlawula imali kuyo.
Ngokuchasene noko, chaza i-Inshurensi eyahlukileyo kwixabiso eliphantsi. Uyilo olufanayo luthatha ixesha elincinci. Iimeko ezigqithisileyo zide ziye kwi-ofisi yenkampani yeinshurensi, umgaqo-nkqubo ogqityiweyo uya kukunika umsebenzi okanye ekhaya. Ubuncinci be-Inshurensi ye-inshurensi kunye nokunqongophala kweenkqubo zovavanyo kunye neenkqubo zovavanyo lwepropathi zichazwa ngumbono oqhelekileyo wolu hlobo lwe-inshurensi: Bonke abathengi basetyenziswa ngendlela efanayo. Ngoku, ezi mveliso zeinshurensi (zihlala zilunge kakhulu, kwaye ingozi ye-inshurensi ebandakanyekayo kuyo ixhaphakile.
Ubungakanani be-inshurensi ye-inshurensi ixhomekeke kwiseti yezinto ezahlukeneyo. I-AppAppralis - kwixabiso lepropathi ye-inshurensi kunye nobukhulu berhafu esetyenzisiweyo, esekwe phantsi kwento ye-inshurensi kwinkampani ethile. Indleko yomgaqo-nkqubo zibalwa njengomsebenzi wexabiso leinshurensi (ummeli wenkampani kwi-inshurensi ye-inshurensi okanye umxhasi ebhengezwe xa uthenga umgaqo-nkqubo we-inshurensi) kunye nenqaku leinshurensi.
Ke, iinkqubo zeinshurensi ze-inshurensi zibonelela ngethuba lokukhetha into yeinshurensi. Kwigumbi, le yindawo yokuhlala ngokwalo (oko kukuthi, izinto zayo zolwakhiwo), ukugqiba kwayo nokugqibelela kwepropathi ngaphakathi.
Eyakha ("ibhokisi") . Le nto ye-inshurensi ifanelekile kubanini begumbi elinamaplanga / axubekileyo, kunye nezindlu ezinamathi. Ngomlilo onzulu, uyasohlwaya, njengommiselo omnye, kwaye ukuqhushumba kwegesi yekhaya kukho intshabalalo epheleleyo yesakhiwo. Lo mngcipheko uyadingeka kwaye kwizakhiwo ezitsha, kuba isakhiwo ngasinye sihlala sifunwa unyaka, okanye kangangeminyaka eliqela kwi-shrinkage, njl njl. Umngcipheko oqhelekileyo osekwe kwizinto ezakhiwo zegumbi elihlala ibonakala ngathi kwinkampani "rosno" (inkqubo "megapolis"):
umlilo;
Ukuqhuma kwegesi;
umbane wombane;
Inqwelo moya.
Ukugqitywa kweinshurensi epheleleyo kule nkampani kubandakanya ezomngcipheko (ukongeza kwezidwelisiweyo):
Izenzo ezingekho mthethweni zomntu wesithathu (kubandakanya nezenzo ezingakhathaliyo zeqela lesithathu);
Bay (ulwelo);
intlekele.
Ixabiso le-inshurensi loyilo limiselwa kwisiseko sexabiso lentengiso legumbi elixhomekeke kwindawo leyo ,.P. Kwimeko yokwenzeka komsitho we-inshurensi, umnini wendlu kufuneka akwazi ukufumana igumbi elifanayo. Ixabiso lomgaqo-nkqubo, okanye, amazinga einshurensi ye-inshurensi esisiseko negqibelele, kunjalo, eyahlukileyo. Umzekelo, kule meko, zenza i-0.15 ne-0,25% ye-inshurensi ye-inshurensi.
Gqiba . Umntu ngamnye oqhelekileyo uyayithanda indawo yokuhlala kwaye njengoko iindlela zizama ukumkhathalela. Sibeka umphefumlo ekuhlobeni iindonga, isini kunye nophahla, thenga iplumber entsha, tshintsha iifestile kunye neengcango ze-windows, iibhalsi zeglasi. Konke esikwenzileyo kwindlu kuwela kumxholo wokugqiba "(kwiinkampani ezininzi, into ye-inshurensi ibizwa ngokuba-" ukugqiba kunye nezixhobo ").
Nantoni na eyenzekayo kunye nezindlu, ukugqitywa kuhlala kuva ubunzima, kwaye ke kuya kufuneka sityale imali kulungiso kwakhona. Unokufumana kuphela imbuyekezo eyaneleyo kwisiganeko seinshurensi kuphela ukuba ekuqaleni, kwinqanaba lokubhaliswa kwemvumelwano, umgangatho kunye neendleko zokugqitywa kwe-inshureyini ziphononongwe ngokuchanekileyo ngummeli we-inshurensi okanye i-covert ezimeleyo , kuboniswanga kwisixa semali yeinshurensi kunye neendleko zomgaqo-nkqubo). Le yinkqubo yenkqubo yecandelo kudidi lokuhonjiswa ngaphakathi olusetyenziswayo xa kusetyenziswa ziingcali zenkampani iRosgosststrakh: iphucule kwaye i-Euro. Ukungabonakali, kuyo, kwahlulwe yaba yi-EROSTANARD, e-Eurostandard kunye ne-Eurostard ye-Euro. Rhoqo, ukugqiba kuyingenisanga ngokwaso, kodwa kunye nepropathi eyakhayo okanye eqhutywa. Umngcipheko, ofanelekileyo xa ugcina ukugqiba, malunga nokufanayo xa kufakwa "ibhokisi" yegumbi: umlilo, i-bay, ukuqhuma kwegesi.p.
Ipropathi eshukumayo . Ukukhetha le nto i-inshurensi, kuyimfuneko ukuqonde ukuba izinto nezinto ezifakiwe kwi-inventri (kwaye yinxalenye yemvumelwano yeinshurensi), zi-inshurensi kuphela kweli gumbi. Inqaku elihambelanayo kwikhontrakthi liboniswa ngedilesi ngqo yendlu, ihlala ibizwa ngokuba "yintsimi yeinshurensi" kwaye ithetha ngale nto. Ezona zixhobo ezifanelekileyo zepropathi eshukumayo-ulwaphulo-mthetho olwahlukeneyo. Umzekelo, kwisivumelwano esiqhelekileyo esigqitywe nabathengi kwiNkampani i-Spassky ", ezi ntlobo zimbini zeinshurensi zichaziwe ngokusemthethweni: ubusela (kubandakanya ukuphanga) kunye nezenzo ezingekho mthethweni (hooliganism) .
Imbuyekezo ekudekeni komcimbi weinshurensi kwezi mpangelo zenkampani ihlawulwe kuphela kwisiseko samaxwebhu okuqaliswa kwetyala lolwaphulo-mthetho ngabasemagunyeni okanye ukwala ukuqalisa ityala lolwaphulo-mthetho.
Ewe kunjalo, ipropathi yepropathi engasusuliyo kungekuphela nje kwizenzo zolwaphulo-mthetho ezinokwenzeka, kodwa kunye neminye imingcipheko emininzi: imililo, iitawuli, iintlekele zemvelo, ukonakala koomatshini, kunye nephakheji yomngcipheko ngokupheleleyo. Awusoze uxele kwangaphambili ngento eza kwenzeka kwindlu yethu nakwizinto kwixesha elizayo.
Umgaqo-nkqubo oBanzi we-Inshurensi ebanzi (i-Inshurensi ye-Express) . Kulula ukucwangcisa, kodwa bangamaxabiso. Ngokwesiqhelo igumbi lonke liba yinto ye-inshurensi: ipropathi yayo eyakhayo, yokugqiba, igqityiwe. Rhoqo, uxanduva lwesine lwesine ekusebenzeni kwezindlu luqhele kongezwa kula manqaku mathathu. Unokukhetha ukhetho olufanelekileyo ngokusekelwe kwixabiso eliqikelelweyo lepropathi yakho kwaye intsingiselo yeendleko zemigaqo ye-inshurensi. Ngapha koko, le yokugqibela iya kuba ngaphantsi kune-inshurensi ye-inshurensi (ngexabiso eliphantsi kwaye yeyona nto iphambili kuyo nayiphi na imveliso yeinshurensi edibeneyo). Ukonga kungafikelela kwi-50-70%.
Ewe, ingozi yengozi kunye nexabiso eliphezulu leinshurensi lwento yeinshurensi nganye ilinganiselwe. Kodwa uluhlu lweenketho ngayo nayiphi na imeko ngokubanzi. Umzekelo, umgaqo-nkqubo we "RGS-Vermerhemetion" ye-Rosgosstrakh ye-rosgosststrakh inkampani "ye-genus" ekhawulezayo ", nangona kunjalo ibonelele nge-5,300 (!) Iinketho zeinshurensi ezidibeneyo. I-YIPR I-Inshurensi idluliselwa kwimizuzu embalwa, ngaphandle kwengxelo ebhaliweyo yomthengi, ngaphandle kokuhlola into yeinshurensi kwaye ngaphandle kokugqitywa kwepropathi yangaphakathi nepropathi yasekhaya. Kwaye, masitsho, inkqubo ye-Alfasiti Universal yenkampani ye-alfactor ibandakanya iseti yemingcipheko yeinshurensi, ngokuthelekiswa ngokuhambelana nephakheji yomngcipheko ngokupheleleyo kwi-inshurensi ye-inshurensi ye-inshurensi.
I-Inshurensi ye-Inshurensi esisiseko
(kwi% ye-inshurensi ye-inshurensi)
| Into yeinshurensi / inkampani | Indlu ngaphandle komhlobiso (eyakhiweyo. Izinto) | Gqiba | Ipropathi eshukumayo |
|---|---|---|---|
| Rosgosstrakhh | Ukusuka kwi-0.18 * | Ukusuka kwi-0.4 * | Ukusuka kwi-0.5 * |
| "I-Alrafrivanie" | I-0.135-0.25 ** / 0.2 *** | I-0.6 *** | I-0.25-0.4 **** / 0.85 *** |
| "Rosno" | I-0.15-0.25 | I-0.4-0.6 | I-0.55-0.75 |
| "Indawo eMiselweyo" | I-0.22-0.54 | I-0.37-1.25 | I-0.3-1,66 |
| Isango leSpassky | I-0.2-0.45 | I-0.9-1,4 | 0.8-2.0 |
| Msgstr "Imvume" | I-0.2-0.35 | I-0.4-0.9 | I-0.4-0.9 |
| "Max" | I-0.38-0.75 | I-0.2-0.78 | I-0.2-0.9 |
| * - I-Rosgosstrehh yenkampani inee-ofisi ezizodwa zeofisi; Elona xabiso liphezulu leerhafu zeinshurensi kwimimandla eyahlukeneyo ihlulelwe; **-kunye nomhombiso kwiinkqubo ezibanzi zeinshurensi; *** - Kwiinkqubo zeinshurensi ze-inshurensi; **** - Kwiinkqubo zeinshurensi ezibanzi |
Ubungakanani beNtloko ye-Inshurensi (igalelo) kuxhomekeke kubuninzi bezinto ezahlukeneyo. I-AppAppralis - kwixabiso lepropathi ye-inshurensi kunye nobukhulu berhafu esetyenzisiweyo, esekwe phantsi kwento ye-inshurensi kwinkampani ethile. Indleko yomgaqo-nkqubo zibalwa njengomsebenzi wexabiso leinshurensi (ummeli wenkampani kwi-inshurensi ye-inshurensi okanye umxhasi ebhengezwe xa uthenga umgaqo-nkqubo we-inshurensi) kunye nenqaku leinshurensi. I-Aon, igqitywe kuxhomekeka kwiimeko ezininzi ze-inshurensi ezenziweyo. Ngokutsho kwe-Artam's Spark, intloko ye-inshurensi ye-Inshurensi yePropathi yeNkampani yeNkampani "Rosno", xa ibala irhafu nganye, oko kukuthi, irhafu iphindaphindwe lobukhulu). Inkampani nganye iphuhlisa indlela yayo yokumisela amaxabiso e-Inshurensi, ngenxa yoko le nto inokuthi ihlukane ne-5-10% ukuya kwi-Wicids, i-alamu yomlilo, isivumelwano nenkonzo yangaphakathi Imicimbi ye-IT.) Okanye kwicala lokukhula (imigangatho yomthi, igesi, unyaka wokwakha, ubukho be-sauna yawo.p.).
I-inshurensi ye-Inshurensi
Abahlali baseMoscow bangcono kunabemi belizwe lethu baqhelene nesihloko sezinto zanamhlanje. Ukusukela ukusukela ngo-1996. Kukho inkqubo ye-Inshurensi yokhetho, hayi inzima kakhulu kwii-wallet zabemi kwaye kwangaxeshanye lula ngokuqonda. Oomasipala baseMoscow kunye neenkampani ezininzi zeinshurensi, kubandakanya namasango eSpasskit kunye neMax, thatha inxaxheba kunye.
"Uninzi lwe-muscovites lulibale nje ukuba banethuba lokufumana indawo yokuhlala kwiPrimiyamu ye-inshurensi, ingeyisigqibo" sizonke kwi-inshurensi "yobukhulu becala I-Inshurensi ye-Inshurensi ngexesha le-inshurensi yeSebe le-Inshurensi yeProjekthi ye-Max. - Kwindawo yokuqala , iindleko zeinshurensi eziqikelelweyo (oko kukuthi, elona nani liphezulu lokufa) lokuhlala amagumbi angama-13500rrub., kwi-1M2 ye-1M2 yendawo. Intlawulo ye-inshurensi inokuhlawulwa hayi inyanga nenyanga, kodwa kube kanye ngonyaka. Kule meko, ixabiso layo yi-7.2-10.8 Hlikihla. Kwi-1m2, kwaye umntu ufumana ipolisi ye-inshurensi.
Isangqa se-inshurensi enokubakho ukusukela ngo-2005 Yandiswa ngakumbi. Ngoku ilungelo lokufumana indlu yakhe kwiprogram yokhetho, engabhaliswanga kwidilesi yale ndawo yokuhlala. Ezinxulunyaniswa yigumbi elinezixeko kwaye zatshintshelwa kusetyenziso lwekhontrakthi ngezithuba zentlawulo, ezenziwa ngosapho lwenkqubo yeSixeko "; amashishini. Ukongeza, izinto ze-inshurensi ziyindawo yokuhlala enabemi bezinto ezingenamzimba ngaphezulu kwe-60%.
Iindleko eziphantsi zepolisi yeinshurensi (yi-rubs ezingama-30 ukuya kwengama-30 kuphela. Iphefumlelwe yindlu enendawo ye-50m2) isungulwa ngenxa yezibonelelo zamagunya edolophu. Nangona kunjalo, umngcipheko obekwe apho i-inshurensi ye-inshurensi ikwanqunyelwe. Ukugubungela i-Inshurensi kunikezelwa kwimeko yengozi yangaphakathi yengozi, ukuhanjiswa kwamanzi, ukufudumeza kunye neenkqubo zolwandle; umlilo; Ukuqhuma kwegesi; ukungena kwamanzi ngenxa yezenzo ezisemthethweni zokuphelisa umlilo; Umoya onamandla, isaqhwithi, i-tornadow, squall it.p. Xa itshabalalisa indlu ye-inshurensi okanye eqondayo engafanelekanga ukuba iphile, ezinye izindlu zinikiwe. Isixa sembuyekezo ye-imbuyekezo kwinkqubo yokhetho incinci. Imali ehlawulelwayo ikuvumela ukuba uhlawule kuphela iindleko zomgangatho wokulungisa izindlu ezonakalisiweyo.
Xa uqukumbela ikhontrakthi yeinshurensi, kuyimfuneko ukucacisa zonke iimeko ezinxulumene (kuyinto echanekileyo "zeMeko yeinshurensi" edla ngokubizwa ngokuba yisahluko esichaphazelekayo). Oku kuyakunceda kungekuphela nje ukumisela irhafu, kodwa kukuthintela ukungavisisani ukuba isidingo sokuhlawula imbuyekezo ye-inshurensi. Umzekelo, ukuba uthatha isigqibo sokugcina ngendleko zomgaqo-nkqubo kwaye awuzange wazise i-inshurensi ukuba indlu yakho yehuni (kwaye oku akuqhelekanga "kwizindlu ze" Stalinist "zitshisile ngokupheleleyo umlilo , Inkampani inokwala ukuqonda inyani yokufa ngokupheleleyo kwaye, ngenxa yoko, musa ukuhlawula ubuncinci bembuyekezo. I-inshurensi ziya kuphikisana isigqibo sabo ngento yokuba kumgangatho wamaplanga, umlilo waqala ngokukhawuleza kunekhonkrithi, kwaye uya kuba ulungile.
Iqabane "Indawo yokuGcina" i-Coefficings isetyenziswa phambi kweenkqubo zokhuseleko, iinyawo zentsimbi, kunye nolwando lwendlu ezakhiweyo kude kube ngo-1980, kunye ne Izindlu zerenti.
Inkqubo yezaphulelo iphuhlisiwe kwiinkampani. Zihlala zinikwa iindidi zokhetho zabemi kunye nabathengi abaqhelekileyo kwimfundo yezivumelwano kunye nokungabikho kweentlawulo ze-Inshurensi yeminyaka okanye eliqela ye-inshurensi, amanani emigaqo yenkampani enye i.p. Iinkampani ezigqithisileyo zibonelela ngezaphulelo kunye nabathengi abatsha. Ezona zinto ziphezulu zokuncipha kwiRhafu yeRhafu, ethathela ingqalelo izaphulelo zeakhawunti, zinokuba ngama-40%.
Intlawulo yembuyekezo
"... xa kuziwa kumcimbi we-inshurensi, abantu abanobunzima bangena kumdlalo - amagqwetha kunye neengcali. Ukuba sisebenza, sigxile kuphela kwinto engabinayo Ukunika imbuyekezo, umthengi uza kusishiya. Ii-Astrakols kufuneka ziqiniseke ukuba izilangazelelo zabo ziya kukhuselwa, "yithini i-inshurensi.
Ityala le-inshurensi ngumzuzu wenyani kwinkampani yeinshurensi kunye nomthengi wayo. Eyona nto ibaluleke kakhulu kukuba i-inshurensi kufuneka yazi, ethathe isigqibo sokufumana imbuyekezo yelahleko yakhe, - onke amagama akhe kufuneka aqinisekiswe. Nokuba kwenzeka ntoni ityala lezobuncili kwindlu yakhe, kufuneka unike ubungqina kwiimeko ezifanelekileyo inyani yento eyenzekileyo. E-Bay, kufuneka uqhagamshelane ne-Zek, Dez i.p. kwaye ufumane umthetho ofanelekileyo, xa ubonayo, ungazami ukuzicekiseka, kodwa qiniseka ukuba ubangela ukuba ubalo lwemililo uze ufumane isatifikethi esivela kwisikhululo se meteorological (malunga nokuba Isantya somoya sigqithile kwi-20m / s), ngobusela okanye ukuphanga, faka isicelo samapolisa, emva koko ufumane uxwebhu lokuchulumancisa okanye olungabonakaliyo kule tyala lolwaphulo-mthetho.
Ngamanye amaxesha abathengi balinde kakhulu inshurensi yabo. Imanzi ihlala ibeka ityala iinkampani zeinshurensi ngokwazo, ezonakalisa abantu, ezithembisa iParadesi. "Uthenga nje umgaqo-nkqubo, kwaye ukuba sikuhlawula nonke," thanda iiarhente ze-inshurensi kunye neepirakics. Xa kufikwa kumcimbi we-inshurensi, abantu abanobunzima bangena kumdlalo - amagqwetha kunye neengcali. Owona msebenzi wabo wokunciphisa iintlawulo ezenziwe yinkampani. Kodwa, kwelinye icala, kubalulekile ukuba ungayigqithi. "Kuyo nayiphi na inkampani yeinshurensi, amagqwetha ayasebenza, ethi, ngokwemvelo, inomdla wokuvavanywa kwe-inshurensi, iphakama i-Inshurensi yeyona midlalo iphambili, i-inshurensi Inkampani isebenza ngokomgaqo. "Sidlula kwibala leqhina." Uzinzo, ubuchule kunye nendlela eyahlukileyo yimbuyekezo kuphela ongayi kunika nayiphi na imbuyekezo, umthengi uya kusishiya. Ama-Astrachia amele aziqiniseke kwinto yokuba izilangazelelo zabo ziya kukhuselwa. "
Kubandakanywa sifuna ukuzisa imizekelo emibini ebonisa inkqubo yokusombulula umba wembuyekezo yembuyekezo ye-inshurensi. Isiganeko sokuqala se-inshurensi sihlala emva kweqela emva kwelahleko. Okwesibini, nangona ndandithatha ixesha elininzi kunye neminqizo yasekhaya kunye neengcali zentlawulo ye-inshurensi, kodwa ndiyakwazi ukuba nobomi begqwetha, kodwa wonke umntu wanelisekile ebomini.
Nanku umzekelo wokuqala. Ubunzima bekukuseka isizathu sokuvela kwesiganeko se-inshurensi. I-plorloc "i-Reserment" yokuGqibela "ithethe nge-inshurensi kwaye yaxela ukuba kwenzeka kwichibi kwindlu yakhe. Ukuphulukana nayo yayikukubalwa kwayo, i-10,000 yeedola. Igumbi lokufuya lifumaneka eMoscow, i-inshurensi yeedola ezingama-200,000 ($ 100,000 igqityiwe, $ 100,000). Ingcali iye yajonga indawo yomsitho kwaye ifumanise ukuba umbhobho we-plamba uvutha iye kwindlu ngenxa yengcinezelo kuyo. Mhlawumbi le nto yenzekile ngenxa yokufakelwa okungafanelekanga kombhobho xa izixhobo zemibhobho zithathelwa indawo yi-Inshurey uqobo. Kodwa kwigumbi legumbi elingaphezulu kwangaxeshanye. Kukho ithuba lokuba umbhobho uvezwe ngoomatshini (uxinzelelo) kwaye le yayingunobangela wokugqogqa. Ingcali yayithambekele ekubeni yeyokuba yayingumsitho wesibini owakhokelela ekuhleni isiganeko se-inshurensi. Ixhase ubuchule ongezelelweyo, ebonisa ukuba umxhasi abe lilungelo kwaye isizathu somcimbi we-inshurensi yayiyimpembelelo yoomatshini. Inkampani ihlawule umphandi kwisixa esifunekayo.
Ityala lesibini liqinisekisa ubomi obunjalo. Sasixelela kwiCandelo leNtlawulo yeinshurensi ye-Alfring. I-Bay (iinkqubo zokubonelela ngamanzi) zenzeka rhoqo kuneminye imicimbi yeinshurensi. Kwangelo xesha, ingelilo kuphela igumbi, apho umbhobho waqhekeka khona, kodwa namahlathi akwindawo engezantsi, ngamanye amaxesha ekungeneni kommelwane.
Umnini we-inshurensi kwinkampani yeZindlu ibhenele kwintlawulo. Ngexesha lokutshintsha ibhetri kwindawo yegumbi ngaphezulu kwabasebenzi phezu kwabo basebenza ngamanzi avuthiweyo, ngenxa yoko igumbi lokuhlala eligcwele. Amampundu amatsha afudula eludongeni, uqhawulo mtshato wabonakala eluphahleni. Emva kokufumana umthetho weKhomishini yeHoA (intsebenziswano yabanini bezindlu), uAlradiKhovivanie wahlawula ama-29 amawaka e-inshurensi. Kwiiveki ezintathu emva koko, inkampani ye-inshurensi yajika inkampani enengxelo entsha: Ikhwele i-corridor kunye negumbi lokulala. Onetyala ngabo bonke abasebenzi. Benza ngokutsha, okwakhokelela kumbhobho wamanzi obandayo. Iingxoxo kunye nomnini womhlaba ongaphezulu azange zikhokelele nantoni na. U-Vinyl kubo bonke abasebenzi abathi, ngendlela, kwakungekho uphondo oluqinisekisa iziqinisekiso zabo. Ummelwane ngokwakhe akazange afumane imvume yokuThunyelwa ngokutsha. Isenzo sesibini ngoSihlalo we-Bay Worden Worden Word, sibhekisa kwinto yokuba ayifuni kubuphala ubudlelwane kunye nabaqeshi bendlu yakhe. Kwingcebiso yenkampani yeinshurensi, umqhubi wabhenela kwi-moszhilossocal yendawo yakhe, eqhuba isiqinisekiso sokusebenza. I-vitoga engekho mthethweni kwindlu ephezulu inqunyanyisiwe, kwaye uSihlalo we-HOA wafumana imiyalelo enokufunyanwa ngugqirha wakhupha iKhomishini kuyo yonke iKhomishini. Inkampani ye-AlirayeKhovanie yenza ukubalwa kwaye ihlawule elinye i-ruble i-ruble, emva koko yathunyelwa kumnini wegumbi eliphezulu ibanga ukuba ihlawulwe ngomonakalo.
Indawo yokuhlala yegumbi lokulala i-inshurensi i-inshurensi kwi- $ 80,000.
Indawo iyonke - i-60m2
Ixabiso lepropathi
Ifanitshala:
Ikhitshi- $ 3000.
Igumbi lokuhlala- $ 2500.
Igumbi lokulala- $ 2100.
Iyonke i-7600 yeedola.
Iitekhnoloji:
I-TV LG- $ 1000
I-TOT panc- $ 300
IZiko loMculo I-LG- $ 300
I-DVD Player- $ 400
Iyonke i-2000 yeedola
Ixabiso lilonke lepropathi- $ 9600
Ukugqiba kwexabiso
Umgangatho weParqueet- $ 1,500
Iindonga, phalilish- $ 15000
Iyonke i-16,500 yeedola
1. Ukubalwa kweendleko zomgaqo-nkqubo weinshurensi wezinto ezenziwayo zendawo yokuhlala ezivela kwiimpembelelo zangaphandle zexesha lonyaka omnye:
$ 80000 0.2% = $ 160;
$ 80000 0.35% = $ 280,
apho i-800,000 yexabiso lentengiso yendawo yokuhlala; I-0.2 ne-0.35 ubuncinci kwaye iphakathi kwerhafu yerhafu (exhomekeke kwiimeko zeinshurensi).
Ukubalwa kwexabiso lomgaqo-nkqubo we-inshurensi wohonjiswa ngaphakathi kwendlu kunye nepropathi enokususwa kuyo ukuze ibe yiphakheji yomngcipheko epheleleyo kangangexesha lonyaka omnye:
$ 16,500 + $ 9600 = $ 26,100;
$ 26,100 I-0.4% = $ 104;
$ 26,100 I-0.9% = $ 235,
Apho i-16,500 yeendleko zokugqibezela igumbi, i- $ 9600- iindleko zepropathi eshukumayo; I-0.4 kunye ne-0.9- ubuncinci kwaye iphakathi kwamaxabiso amaxabiso.
Ukubala kwanikezelwa yi-Sergey Stepanov, iNtloko yeSebe le-Inshurensi yeProjekthi yeProjekthi yeProjekthi.
Abahleli bebulela iRosgosststrakh, i-AlirRavivanie, "Rosno", "imvume", "imvume yomgangatho", "Isango", "Max" loncedo lokulungiselela izinto.