I-Inshurensi yoLuntu ngexesha lohlengahlengiso lwendawo yokuhlala kunye nokusebenza kwazo.
Yonke imizuzu siziva sinoxanduva: kubantwana, abazali abadala, izilwanyana ezimilenzeni ezine. Ixhala, nokuba yenzeke njani ingozi. I-Aesley ihamba kubasebenzi base-Brigade Benza ukulungiswa, kwaye uya kuhlanya kwaphela. Akwanelanga ukuba igumbi liya kuloyisa, kuya kuyadlulisela abanye. Isetyenziselwa abamelwane kuya kufuneka ... Ngaba kunokwenzeka ukuba ususe ezinye iingxaki kwaye uzikhusele kwiindleko ezingalindelekanga? Iingcali zinoxanduva lombuzo wokuhlela.
Isibakala sokuba ngexesha lokungabikho kweNdlu, ukuze sizolile, asiyi kuthintele izindlu zakhe kunye nezinto zayo kuyo, kwathiwa kwinqaku elithi "kude, Ixhala!". Izinto zazinikelwe kwiingxaki ze-inshurensi yepropathi. Namhlanje sifuna ukuthetha malunga nezinye iintlobo ezimbini ze-inshurensi, zinxulumene ngokusondeleyo kunye nezo zichazwe kwinqaku elingaphambili. Olu luxanduva loluntu lwabanini, abaqeshi kunye nabaqeshi ngexesha lokusebenza kwendawo yokuhlala kunye nexesha lokutshata (ukumiselwa ngokutsha). Uxanduva lwasebusweni luthetha uxanduva lokwenzakala ukuba umkhuseli onokubangela ubomi, impilo okanye ipropathi yomntu wesithathu ebizwa ngokuba ngabaxhamli. Banokuba njengobuso bomzimba (abamelwane basezindlu, iindwendwe zabamelwane, abadlula ngendlela abangahleliweyo - abanye abantu) kunye nabanye abantu) kunye nezomthetho (kwivenkile ekhoyo phantsi kwendlu yakho. I-inshurensi yoxanduva loluntu ivumela ukuba utshintsha amagxa enkampani yeinshurensi Imbuyekezo yomonakalo oyithandayo (!) Sibaphathe aba bantu okanye iinkampani. Ngomfanekiso we-osago (i-inshurensi enyanzelekileyo yoxanduva oluzenzekelayo), hlawula abamelwane ukuba baphuculwe ngamanzi kwi-crane yakho engalunganga (Funda inqwelo-mafutha yakho, awunguwe , kunye neinshurensi yakho.
Ngoku bobabini bakhankanya iintlobo ze-inshurensi yetyala azinyanzelekanga. Kodwa ngo-Agasti, kwintlanganiso neentatheli, uMlawuli weCandelo loMphathiswa Wezemizi-mveliso kunye neCandelo leCandelo leCandelo le-Sergey Kruglik wathi abakhohli bekwazisa iNkqubo yeSoursory uxanduva kumabanini abanini bezindlu. Ewe kona, ngaphambi koko, iingcali zexesha elide zikholelwa ukuba kuqala ziyimfuneko ukuseka iindlela ze-CTP, emva koko kuya kuba nakho khona kwizindlu.
Ukuphambuka koxanduva loluntu ekuphuculeni ukuqeshwa kwakhona (ukuhlengahlengiswa ngokutsha) kwendawo yokuhlala, ngoku kunjalo, sele kuphumelele kwabo bangamanzi kwindlu enkulu. Ukuya kwiKhomishini ye-MOSCOW ye-MOSCOW yokusombulula ukutshata kungenantsingiselo ukuba awunayo ipolisi yeinshurensi efanelekileyo. Akukho nyhlisi okanye i-qinile encedisa kuyilo lwamaxwebhu ayimfuneko aluyi kuba nakho ukulindela ukubakho kwamagosa. Olunye ukuthengwa komgaqo-nkqubo, ukuvumela ukuba ufumane "ukulunga" ekuphuculeni ngokutsha-uqokelela izivumelwano ezibhaliweyo ngokulungisa kwakho kunye nabahlali abangenakubalwa, kubonakala ngathi kude kakhulu kwaye kunzima kakhulu ukuba kuqikelelwa. Ngokomthetho kaMoscow Nombolo 22 ka-Epreli 7, 2004. Ngamaxwebhu amabini kuphela abonakalayo: Imvume ebhaliweyo kubanini besakhiwo sokuhlala okanye isivumelwano seinshurensi yoluntu.
I-Inshurensi yeZindlu
Iingozi zenkqubo yokubonelela ngamanzi, ukufudumeza kunye nokuntywila, ukuvalwa kombane wombane kunye nokuqhushumba kwegesi yekhaya kwenzeka kumakhaya nasezindlu eziqhubeka ezothusayo. Abantu abanomsindo njengala matyala basikhokelela kunqabile, kodwa ipropathi inengxaki rhoqo. Zixabise le meko: Ngelixa kwakungekho mntu ekhaya, indlu yakho itshisiwe ngokupheleleyo kwaye uhlala kwindawo ephukileyo. Kwaye emlilweni, hayi usapho lwakho kuphela, kodwa kunye nabaqeshi bamanye amazwe bayenzakala: umlilo waphakama kwaye wachukumisa amanzi kunye nengqumbo, kunye neyakho iindonga, umgangatho, ifenitshala, izixhobo zekhaya nezixhobo. Ngubani oza kuhlawula abamelwane? Wena (hayi uHob, Dez kunye neminye imibutho)! Okanye inkampani yeinshurensi ukuba uyithengile umgaqo-nkqubo weinshurensi oxanduva kwangaphambili ngexesha lokusebenza kwezindlu.I-AVOT ayisoyiki, kodwa imeko eqhelekileyo. Abasebenzi beNkampani yeinshurensi "Imvume" baxelelwa: Abamelwane abachaphazelekayo be- $ 1830.
Ngaba kunokwenzeka ukuba ukhusela uxanduva lokujongana nokusebenza kwezindlu? Ngaba kuya kubakho ukuthengwa kwemali engenanto?
IZiko leeNtetho zeFosgosstrakh leProgosstrehh Propathi, uMongameli: "Umgaqo-nkqubo weinshurensi sisiqinisekiso sokuba ipropathi engalindelekanga kwingxaki yeinshurensi. Ityala-Ityala lomonakalo kubamelwane lwetyala lakho. Ngaba oku kubizwa ngokuba yinkcitho yemali yakho. Le mali ihlawulwe ngoxolo lwakho, ukuba umcimbi we-inshurensi akafikanga, okanye ukuze umcimbi weinshurensi Umsitho weinshurensi, kufuneka uqonde. Ukuba xa igumbi lokugcina i-insulelo, ezona meko zixhaphakileyo zonakaliswa ngamanzi, xa umonakalo uphakathiwe kuwo omabini amabanjwa engezantsi. Amabango ale meko Phezulu, kwaye yi-inshurensi yoxanduva lwaseburhulumenteni ukugubungela ilahleko. Ke olu hlobo lwe-inshurensi lungayibiza igama lentengiso yeinshurensi. "
I-Elena Fokina, intloko ye-Inshurensi yePropathi yePropathi yeSpecian Society "I-Reserve-Controve": "Endleleni yokuxhaphaza izindlu ngalo naliphi na ixesha, ngenxa yokuba abamelwane bayonakaliswa. isengqiqweni ukufuna imbuyekezo yomonakalo. Ayikhutshelwa ngaphandle, into eya kuvela imeko yongquzulwano, enokufikelela kwityala le-subren. I-100. I-inshurensi kwi-i-inshurensi yayo yenzekile: yaphule umbhobho ekhitshini, kwaye ihluphekile kungekuphela kwi-inshurensi ye-inshurensi, kodwa ihlawule i-8,000 yeedola. Ungacinga njani ngayo, thatha i Uxanduva lokufumana umntu wesithathu ngokwakho okanye ulitshintshe kwinkampani yeinshurensi! Ukongeza, i-inshurensi yethu ye-inshurensi ayiyi kubuyekeza iindleko zexhoba, kodwa, ukuba kukho imfuneko Yenza iimfuno ze-inshurensi enkundleni. "
I-inshurensi yoxanduva lwaseburhulumenteni ekusebenzeni kwezindlu ngohlobo oluzimeleyo lweinshurensi? Zimbini iindidi ezimbini ze-inshurensi yepropathi kunye noxanduva lwaseburhulumenteni?
I-DMIMMY Maslov: "Uxanduva lwaseburhulumenteni lomthengi lunokuthuthuzela ngokwahlukeneyo kwaye lubekho kwipropathi. Kwangelo xesha, i-inshurensi ebanzi inciphisa kakhulu ipropathi yomxhasi. Khawufane ucinge ngale meko: Khawufane ucinge ngale meko: Khawufane ucinge ngale meko. Khange ucinge ngale meko: Umbhobho kunye nendlu yaphuka kwindlu yethu yabathengi abaonakalisi kuphela ipropathi yakhe kwaye ugqibezela indlu entsha, kodwa ingene ezantsi, kodwa ibangela umonakalo omkhulu kwipropathi yabo. Inani elipheleleyo le Umonakalo ugqithile kwii-ruble ezingama-600,000. Kwezi, ngaphezulu kwesiqingatha sazo zihlawulwa kubamelwane kwiPolisi ye-Inshurensi yaseburhulumenteni, yonke le nto ngumthengi kwipolisi yeinshurensi yepropathi. "
I-Elena Fokina: "Uxanduva lwezinto zomqeshi yinto ezimeleyo ye-inshurensi. Inokuthuthuzela kumgaqo-nkqubo owahlukileyo kunye nobunzima bendawo (eyenziwayo) - I-inshurensi iya kubiza umxhasi abe tyhefu.
Ngaba ubuncinci, zizinto kunye nezibonelelo zeemveliso zeinshurensi ezinikezelwa yinkampani yakho kubanini-zindlu?
Inkampani yeDMIMMMY Maslov: "I-Rosgosststrakh yenkampani inikezela abathengi njengeemveliso zeinshurensi ezilula (ukusuka kwi-" Espres "I-" Expres "I-" Umzekelo, unokuthenga iinkqubo zePolisi: "Umzekelo, unokuthenga izinto ezingalindelekanga iimeko zokumkhusela kunye nokuhlawula yonke le nto. Ngapha koko, umgaqo-nkqubo uthathwe kwimizuzu embalwa - ngaphandle kokusetyenziswa kwe-inshurensi, ngaphandle kokujonga impahla yeinshurensi kunye nepropathi yasekhaya. Pha Ngaba iimveliso ezintsonkothileyo- indlela yomntu ngamnye kumthengi ngamnye ikuvumela ukuba ukhethe ukhuseleko lweinshurensi. "
I-Elena Fokina: "I-insurensi ihlala inikwa ukubakho kokukhetha kwizinto ezininzi, kuxhomekeke kubungakanani bemali yeinshurensi." Ugcino lwe-Insussic "kunye ne" I-Inshurensi yeinshurensi ithathela ingqalelo yonke imikhwa kunye neminqweno yomthengi, kunye nomgaqo-nkqubo "okhawulezayo" unceda ukusindisa ixesha lakhe kunye neendlela zokufumana inkampani. Ngokunxibelelana nexesha lokuhlola kwaye ngaphandle kokuhlolwa kwenyanga ukusuka kwinyanga enye ukuya kunyaka ovela kwimingcipheko yeinshurensi kuwe, xoxa ngotshintsho kwimibandela yemvumelwano yakho (ukwanda kwe-inshurensi ye-inshurensi, ukutshintsha i-inshurensi kunye nentlawulo ye-IT, ukugqiba i-A Ikhontrakthi kunye noxanduva lwePhakathi. "
Yeyiphi ingozi yeyona "ithandwayo"? Ewe, umlilo kunye namanzi (le yindlela ethetha ngayo i-insursur. I-inshurensi inokwenziwa ngephakheji epheleleyo yomngcipheko: Ukongeza komonakalo odwelisiweyo, ongekho mthethweni wamaqela wesithathu kunye nezinye, ngakumbi, njengokuba ubunqolobi buhlala bongezwa apha. (Ngayo yonke le nto ngokunxulumene ne-Inshurensi yePropathi yeMagazini yethu ichaze ngokweenkcukacha kwinqaku elidlulileyo kwesi sihloko se-inshurensi, ngokwemvelo, ngaphezulu kweendleko zomgaqo-nkqubo.
Iinkampani zokuzibonga (ezithetha "," amasango eSpasskit "," i-Alirch "," imvume yabaninzi) imvume yendawo yokuhlala injengenkqubo eyahlukileyo. Nangona kunjalo, uxanduva luqhelekile ngokungaqhelekanga ngokwahlukeneyo. Kwiimpendulo zeengcali, nge-80-90% yamatyala, impahla yokwenyani i-inshurensi (ngamanye amaxesha i-inshurensi enokususwa ngaphakathi) noxanduva lokusebenza kwalo.
Ubungakanani be-inshurensi ye-inshurensi, oko kukuthi, iindleko zomgaqo-nkqubo zixhomekeka kwixabiso le-inshurensi ye-inshurensi kunye nemali kwiinkampani ezahlukeneyo ukusuka kwi-0.7 ukuya kwi-1% yayo. Ke, ukuze kuqinisekiswe uxanduva lwabo kubantu besithathu nge- $ 10,000, kufuneka uhlawule i- $ 70-100 yomgaqo-nkqubo wonyaka omnye. Umgaqo-nkqubo we- $ 20,000 enexesha elifanayo lesenzo liya kukubiza nge-140 yeedola.D.
Zeziphi iinkqubo ze-Inshurensi yoLungisa uluntu ezinikezela inkampani yakho?
UDenis Zenka, iNtloko yeProjekthi yeZiko le-inshurensi yeNkampani yeNkampani: "Inkampani yethu ibonelela ngeenkqubo ezintathu ze-inshurensi. Imveliso esisiseko "Imbopheleleko yoLuntu" ivumela umthengi "uvumela umthengi ukuba aphephe ilahleko enokubakho ngenxa yengozi yeqela lesithathu kulondolozo kunye nokusebenza kwendlu, kunye nokulungiswa okanye ukulungiswa kwakhona kuwo. I-Inshurensi yeNkwizo yenza ukuba inokwenzeka, emva kokuhlawula ngokungafanelekanga xa kuthelekiswa nomonakalo onokubakho kwixabiso, etshintshe zonke iindleko zenkampani yeinshurensi.
Ukongeza, sinikezela ngemveliso yeinshurensi edibeneyo "i-megapolis". Esi sikhokelo sinokukhusela zombini uxanduva loxanduva lwaseburhulumenteni kunye nepropathi (izinto zoyilo, ukugqiba, izixhobo zobunjineli, ipropathi eshukumayo) kunye nezilwanyana zasekhaya. Okokugqibela, sinemveliso ye-inshurensi, enovelwano lwemakethi yaseRussia, nangona i-analogues yayo ithandwa kakhulu entshona. Ibizwa ngokuba yi "ukuzithemba" kwaye ibonelele ngokugubungela yonke imingcipheko enxulumene noxanduva lwaseburhulumenteni: Indawo yokuhlala yendawo yokuhlala okanye yendawo yokuhlala, igaraji, uxanduva lwabantwana abangaphantsi kweminyaka eli-14 Ubudala kunye neminye imingcipheko. Le nkqubo isebenza kwihlabathi jikelele, ngaphandle kwemimandla yempixano exhobileyo. Ukuba nenxaxheba, uya kuziva ukhuselekile kwiimeko ezingalindelekanga, nokuba ungaphandle kweli lizwe lethu. Imigaqo-nkqubo enjalo ibizwa ngokuba yi "Iambrela", njengoko zibonisa uhlobo lweambrela ezikhusela imigaqo-nkqubo kuyo yonke imingcipheko. "
Yeyiphi ingozi ocinga rhoqo?
I-Denis Zenka: "Owona mngcipheko uxhaphakileyo oboniswe ngokupheleleyo yimigaqo-nkqubo yeinshurensi-ebangela ingozi kubantu besithathu (abamelwane) ngenxa ye-bay kunye nemililo, nangona bekufuphi Impilo kunye nepropathi yabantu ingozi enkulu, ke, i-inshurensi izama ukuzinyanzela. Iitays ezivelayo ngenxa yomonakalo okanye ukufaka izixhobo zokufudumeza, ngokokubonelela ngamanzi, ngokukodwa inkampani yeNkampani. Ukuya kuthi ga kwi-90% yebango le-inshurensi (, kunjalo, imalunga ne-inshurensi yepropathi kunye noxanduva lwabantu), ukuba imbuyekezo ihlawulwe, ikhokelela kwisenzo samanzi.
Uxanduva xa usenza i-rectionsptions
Ke, ukhulelwe ukulungiswa ngokutsha kwendlu. Injongo yolo tshintsho lwehlabathi luhlala lungumnqweno wokuphila ngakumbi, ukhululekile ngakumbi, ukhululekile, yanamhlanje, intle kakhulu, ekugqibeleni. Ukungena kwiNdlela yotshintsho olubi kwikhaya lakho, ungaqala ukutshintsha iibhloko ze-balcony, ukutshintshela okanye ukutshintshwa kwezixhobo, ukufudumeza, ukufudumeza, ukudlulisela izindlu zangasese yamagumbi ngotshintsho okanye ngaphandle kotshintsho kwinkqubo yonxibelelwano lobunjineli, edibanisa indawo yokuhlala, esebenzisa indawo ye-Attic, i-Attic, i-Attic, kunye nezinye iintlobo zokulungelelaniswa kwakhona hayi ngodidi lomthetho onqatshelwe. Nangona kunjalo, uhlobo ngalunye lwenguqu lufuna "amagosa kamasipala" amahle. Kunye nokufumana isisombululo sokutshabela ngokutsha, kuya kufuneka ukhusele uxanduva lwakho xa usenza umsebenzi wokuphinda usebenze kwakhona.
Eyona nto ibalulekileyo, i-inshurensi yoxanduva loluntu xa ukuphinda isulunge ngokuphindaphindwayo yimeko yabucala ye-inshurensi yetyala ngexesha lokusebenza kwendawo yokuhlala. Kodwa uhlobo lokuqala lwe-inshurensi kufuneka luqwalaselwe njengentsonkothileyo kwaye ibiza kakhulu kunowesibini. Yiyo loo nto. "Ubunzima" be-inshurensi yokulungiswa-lungisa ayifumaneki zimbini, kodwa zintathu ze-inshurensi: inkampani yeinshurensi yongezwa kumnini wendlu kunye nenkampani yeinshurensi, oko kukuthi, inkampani yokwakha iqhuba umsebenzi kwi Indawo ye-inshurensi (kwindlu ye-inshurensi). Lo mbutho kufuneka ube nelayisensi yokuphumeza imisebenzi efanelekileyo. Phantsi kwemiqathango yemvumelwano egqityiweyo kwiimeko ezinjalo, ngexesha lokuthatha kwakhe isenzo, unokutshintsha umntu onshurensi njenge-inshurensi, oko kukuthi, ukushiya iinkonzo zenkampani enye kwaye uqeshe enye. I-inshurensi yentlawulo) Indleko zomgaqo-nkqubo we-Inshurensi yeakhawunti kungenxa yokuba kwinkqubo yokwakha nokulungisa, ukubakho kwesiganeko seinshurensi siyanda.
Malunga ne-inshurensi, inshurensi kunye nabantu inshurensi
Zinaida Vyskov, Ingcali eyintloko yeSebe le-EENKCUKACHA YOLWAZI LOKUFUNDA: "Ukuze ufumane imvume yeqela le-alfactory:" Ukuze bafumane imvume kwiKhomishini yeZindlu kwiZindlu, umniniyo kuya kufuneka afeze inani Iimfuno ezinzima. Omnye wabo yimvume ebhaliweyo yabamelwane ukuze kufundiswe, ngaphezu koko, ayifuneki kuphela kubunini bamagumbi angabamelwane. Rhoqo inkqubo yokubhaliswa kwakudala Kwaye ixesha elininzi, elilula kakhulu ukufumana umgaqo-nkqubo we-inshurensi ye-Inshurensi kumaqela esithathu xa iphinde yayalela indawo yokuhlala - kule meko ivuma ukuba abamelwane abayi kuyifuna.Uncedo ngemvumelwano egqityiweyo kwiimeko ezinjalo, umphandi ngumnini wendlu, kunye nomsebenzi we-inshurensi umbutho, esenza umsebenzi wokusebenza ngokutsha kunye nokutshalwa ngokutsha. Kule meko, imeko enyanzelekileyo yemvumelwano lukhona lwelayisensi yokwakha (emva kwayo yonke loo nto, ukulungiswa ngokutsha ngokutsha kunzulu kune-cosmetic). Ukuba uqesha inkampani enqabileyo engenalo layisensi enjalo, amathuba okuba ukulungiswa kuyakwenziwa kakuhle, kunye nokwenzakala kwengozi kubantu besithathu kuya kwanda kakhulu. Ke ngoko, ukuqeshisa igumbi lokuhlala limilise umbutho ohlonitshwayo wokwakha, unomdla kwi-inshurensi yexesha elizayo, kunye nenkampani yeinshurensi. Incinci (xa ithelekiswa neendleko ngokubanzi zokulungisa) ukonga imali ekuqaleni kunokujika ibe yilahleko enkulu ekugqibeleni.
Ngokwentsimi ye-Inshurensi yoLuntu yetyala ngexesha lokutshahlawulwa (ukulungiswa kwakhona) kwendawo yokuhlala, ilahleko ebangelwa ukuba umntu wesithathu igutyungelwe, oko kukuthi, ngabamelwane bakho, ngenxa yeentsilelo zomsebenzi wokwakha. Umzekelo, ukuba ibhaso lenzekile apha ngezantsi, ngenxa yemisebenzi ye-plumbang ye-plumbisa (Masithi, ivuza kwi-cupe yombhobho we-wirmer kunye ne-Inshurensi yeNtanethi iyayiqonda le nto ngomcimbi we-inshurensi kwaye ihlawulelwa lo monakalo ibangelwe. I-Alfactor ikwabonelela abathengi bayo kunye nethuba lokulungisa ixesha le-inshurensi elongeziweyo. Oku kuthetha ukuba iNkampani iyakuthatha inxaxheba kwii-Inshurensi iimeko ezenzeke ngexesha lemvumelwano, kwaye kunyaka wonke emva kokuphela kwayo, ukuba isizathu somsebenzi weinshurensi yayikukwenziwa komsebenzi weinshurensi. "
Kutheni ngoku sele ndiye ndaba nemicimbi efanelekileyo ye-inshurensi yoluntu ngexesha lokutsha lokutsha lwamagumbi?
I-Sergei NikiTin, intloko ye-Inshurensi yoXabiso lweSebe leSango: "Kukho izizathu ezininzi apha, i-avareji yendawo yegumbi inyuka, ivela izimvo zasimahla , kunye nokucwangcisa ngaphezulu. Le yeyona nto ibaluleke kakhulu ebonisa ukuba abantu baqala ukuhlala ngcono. Inombolo kunye nezixhobo zokwakha zifumaneka. Kwaye ekugqibeleni, kukho izixhobo ezinamandla namhlanje Vumela wonke umntu ukuba enze kwindlu yabo phantse yonke into eza engqondweni. Ngoku, 'i-Bulgaria ", i-bulgaria", i-Bulgaria ", i-bulgaria", i-bibs ene-daimond yedayisi kunye nenani lodonga olufutshane. I-cottage nganye, kodwa kwisikhalo sendlu, imiphumo yolo "yindalo" yokuqikelela.. Inombolo yeMoscow ye-37 kaSeptemba 29, 1999. "Kwinkqubo yokuzaliswa kwezakhiwo zokuhlala kwizakhiwo zendawo yokuhlala Umhlaba wedolophu yaseMoscow "notshintsho kunye nokongezwa kwayo, wamkelwe ngoAprili 7, 2004, wabhekiswa nje ukunciphisa umda. I-Inshurensi yoLuntu ibonelela ngeziqinisekiso zezemali ezichaphazelekayo ukuba imeko ukuba ukonakaliswa kukungapheli ukuphepha. "
I-Viktor Belikov, ugqirha ophambili kwi-Inshurensi yePhakathi yePropathi yePhakathi: "Ukuthetha ukuba yayikukuba le ngxaki ifanelekile, kwiminyaka embalwa eyadlulayo, kwiiofisi ze-Ofisi ye-OSCOW kunye nengingqi . I-Syntoray kwi-capital. Uxanduva lwaseburhulumenteni kubantu besithathu ekuphumezeni izakhiwo yinkqubo egunyazisiweyo yokutshintsha imvume yaseburhulumenteni yokutshintsha imvume yokutshintsha , Umnini wendlu kuyakuvuma ukuba angalungelelaniseli iprojekthi kulawulo lobufazi, ukucoceka kunye ne-pidemiological kunye ne-Mrs .. Abantu abasebenzisa imvume 'yabantu abahlala kwindawo ekufuphi ", oko kukuthi, abamelwane . Oku kutsalwa sisivumelwano sesenzo esikhethekileyo. Kuya kufuneka kwenziwe ukuba kuhlawulwe ngomonakalo onokwenzeka ukuba iziqinisekiso zeinshurensi Inkampani, apho igumbi lokuhlala linqwenela ukwenza indlu inyanzelekile ukuba inyanzelise ukubangisa ityala labo kumaqela esithathu ngexesha lomsebenzi wokwakha. Ukuqukumbela ikhontrakthi yeinshurensi, ikopi yale projekthi ukulungiselela ukuphinda ifumane indawo kunye neenkcukacha zepasipoti zomnini wezindlu eziyimfuneko.
Ukufundisa uxanduva lwalo kubantu abathathu xa kukhangelwe (i-inshurensi) inciphisa imeko, i-inshurensi inciphisa imigangatho enqumlayo kunye nabasemagunyeni kunye nabasemagunyeni, kwaye ikwabonelela ngokhuseleko oluphezulu lwepropathi. "
Ingachaphazeleka njani into entsha kumthetho waseMoscow kwimeko yokufakwa ngokutsha kwamagumbi kwezinye izixeko kunye nemimandla yaseRussia?
ISergey NikiTin: "Ezinye izifundo zeRussia Federation ziya kuba zicetyiswa ukuba zithathe amava eMoscow. Ukulawulwa kwezakhiwo ezihlengahlengiswayo kwizakhiwo zokuhlala kuyimfuneko, kuba umsebenzi ongagunyaziswanga kwaye ongalawulekiyo unokuchaphazela amalungelo kunye nemidla yabanye abaqeshi. Kodwa, kwelinye icala, ulawulo lwengingqi kunye nemimandla ngokwayo ngokwayo ichonge imisebenzi ephambili. Ke ngoko, kunzima ukucinga nantoni na, okuninzi kuya kuxhomekeka ekubeni kuphumelele kangakanani amava emali.
UVictor Belikov: "Njengoko samkelayo, uninzi lwamanyathelo amkelwe kwiZiko, kwaye emva koko asebenza ngaphandle, ndicinga ukuba kungekudala uza kufumana ukuqhubela phambili kwimimandla. Thumela, oku Ewe kunjalo, ngaba, ngaba, kuya, kuya kuba njalo kwi-cap yezixeko ezikhulu, njengeSt. Petersburg, iNovosibirsk, iRostov-kwi-Don, iKazan, Krassodar iyo ..
Ngaba kunokwenzeka ukuba ukhusela ngokwahlukeneyo uxanduva lwakho, kukufumana ngokutsha igumbi? Luhlobo luni lwemigaqo-nkqubo (imbopheleleko eyakhayo + eyakhayo, igqiba uxanduva okanye enye indibaniselwano) isebenzisa eyona ngxaki iphambili kwinkampani yakho?
I-Sergey NikiTin: "Iqela le-inshurensi" i-Spassk Grook "Ukususela ngo-1999. Kananjalo, inkampani yethu inomngcipheko ofanayo wokuhlala kwizakhiwo ezikhoyo. I-cottage yam ", imoto yam," impilo yam "ye-IDR." I-"I-" Information "yam", edibanisa i-Inshurensi yokuHanjiswa kweNdawo yeNdawo yeNdawo yeNdawo, isebenzisa indleko ezilungileyo kwaye ikuvumela ukuba uqukumbele ikhontrakthi yeinshurensi. Kodwa nayiphi na imveliso emiselweyo enemilinganiselo emiselweyo isephantsi kumgaqo-nkqubo ngamnye. Ngenxa yoko, uninzi lwabathengi bethu luyaqhubeka nokukhusela, ukwenza amapolisa amabini : ngokwahlukileyo kwi-inshurensi yokugqiba kunye nepropathi kwaye ngokwahlukileyo kuxanduva loluntu. Eyona inomdla kakhulu Iingqondo zihlala zinika ukhetho kwi-inshurensi eyahlukileyo. "
UVictor Belikov: "Xa usenza ngokutsha kwakhona, awunakuqiniseka ukuba inoxanduva lwakho, kodwa ne-ajeshini, xa kulungiswa izindlu, xa iinkqubo ze-inshurensi ze-Inshurensi ye-Inshurensi ye-Inshurensi ye-Inshurensi ye-Inshurensi yayi iphuhlisiwe. Umzekelo kwiNkqubo yangaphakathi, into ye-inshurensi iba yipropathi yasekhaya. Kwangelo xesha, kungekuphela kwezinto zangaphakathi, kodwa inkampani ye-inshurensi igqityiwe, inkampani iya kubuyisela Umthengi kunye neendleko zepropathi elahlekileyo, kunye neendleko zokulungiswa. Ukufumana umgaqo-nkqubo akunyanzelekanga. I-Kslov, kwinkampani yethu ye-inshurensi ufumana isaphulelo se-5% ye-inshurensi ye-inshurensi ( Igalelo).
Ngokufana nomahluko weentlobo ezimbini ze-inshurensi yetyala
U-Anna noKequiche, entloko yeSebe loLawulo lweNkampani: "I-Inshurensi yoLuntu ye-Assigner ye-Assoger - inkonzo yakho yepropathi ngokupheleleyo. Njengawo onke amagumbi okuzimisela kwakhona iqhutywa., I-inshurensi yoxanduva loluntu lwepropathi yomqeshi yendawo enjalo kwindawo ye-Inshurensi yeSizwe ngexesha lokusebenza kwePrimiyamu leyo (umrhumo) iya kubalwa . Inyani yile yokuba ngexesha lokulungiswa liya kusetyenziswa ekukhuliseni i-caeral eyoneleyo, kuba umsebenzi wokwakha unyusa amathuba omcimbi owongeziweyo-umlilo owongeziweyo womonakalo, umlilo, ingozi yokufudumeza Inkqubo kunye nezinye iingxaki zinokwenzeka ngokupheleleyo. Rhoqo kukho iimeko apho emva kokuba isiphelo somsebenzi siqhekeza iivalvu kwiitayile ezintsha, ngequbuliso siqala ukuhamba itanki elifakiweyo, nangona ukuthenga konke okuqinisekisiweyo kunye nokuthenjwa. Kungenxa yesi sizathu le nto kwinkampani yethu ubomi benkonzo ayixhomekeki kwithuba lokulungisa, umgaqo-nkqubo wakho uya kusebenza ubuncinci kungaphelanga unyaka.
Ewe kunjalo, njengayo nayiphi na imveliso yeinshurensi, i-inshurensi yoxanduva loluntu lomqeshi linemigca. Akukho kuhlolwa kwezakhiwo, njengakwipropathi ye-inshurensi, kule meko ayifuneki. Uvavanyo lwe-AVELE lwamagumbi abamelwane luya kuba lunqwenelekayo, nangona umthetho awunakwenzeka (ngenene, le yinkcazo yolu hlobo lwe-inshurensi). Ukungakhathali kokuqinisekiswa kwemeko yamagumbi obumelwane kunyusa ububi nobuqhetseba. Masithi uyithengise igumbi nge-1 kaSeptemba kwaye uxelelwe malunga nale mmelwane ukusuka ezantsi. Emva koko uqalise ukwenza ulungiso, kwaye ngoSeptemba 20, ukreqa nje iivalvu kwiibhetri, abazamkeli kwangoko. Ngemini elandelayo, baxela ngengqumbo yokuba bawile phezu kwengubo, bekukho uqhawulo-mtshato kwiindawo zokuhamba kwe-IT yabonakala, nangona igumbi labo lalingathathi pali ngaphambili. Qinisekisa okanye qesha inyani yomonakalo kubamelwane kwaye ubone ubungakanani bokwenyani bokuphulukana nobunzima kakhulu, kodwa mhlawumbi. Inkampani yeinshurensi iya kubandakanyeka kule, kwaye kukhusela umdla wakho enkundleni. "
Yimalini umgaqo-nkqubo we-inshurensi yoxanduva loluntu ngexesha lokutshata (ukuhlengahlengiswa kwakhona) yendlu? Ithini ixabiso lakhe?
I-Zinaida Vyskov: "Iindleko zimiselwa sisixa se-inshurensi ye-inshurensi (umda weNkampani) I- $ 10,000 yi- $ 100-150 $-150 kwaye ixhomekeke kwixesha lokulungisa ngokutsha, uluhlu kunye nomthamo womsebenzi wokwakha owenziweyo. "
IVictor Belikov: "Kwinkampani yethu, irhafu yethu ibalwa ngokukodwa, ngokungqinelana nomnini-nkqubo we-Inshurensi ye-Inshurensi ye-Inshurensi yokuBangela umonakalo kubantu besithathu ngexesha okanye Ukulungelelaniswa kwakhona kwendawo (ngepesenti ukusuka kwi-inshurensi ye-inshurensi) kwi-0.84%, ukonakaliswa kwepropathi yi-1.02%, ukunyanzeliswa kwepropathi ye- $ 10,000, uxhomekeke kwi Uhlobo lomonakalo, ihlawule umgaqo-nkqubo ukusuka kwi-84 yeedola ukuya kwi- $ 150. "
I-Elena Fokina: "Kwimeko ye-inshurensi yoluntu kwinani le-10,000 ngexesha lokubamba ipremiyamu ye-inshurensi eflethini (oko kukuthi, indleko ze- $ 100-300, kuxhomekeka kuhlobo kunye nendlela ye Ukuqhuba umsebenzi wokulungisa, umgangatho wegumbi, ubukho okanye ukungabikho kwesivumelwano nombutho onelayisensi yokwakha, ixesha lomsebenzi kunye nenani lezinto ezisebenza kwindlu ngokufanayo imali $ 10,000 Inshorensi ibhaso liya kuba $ 50-100, kuxhomekeke ukufana eziphathekayo endlwini, ukufumaneka imvume ezinjenge kwenziwa yokuhlala Ukusuka ungubani yaveliswa (ziingcali okanye abantu), umgangatho, zokuhlala uyarenta, Ixesha le-inshurensi.D. Uhlobo ngalunye lwe-inshurensi luya kubiza elinye i-30-50% ixabiso eliphantsi ukuba uxanduva lwe-inshurensi luya kuba yi-inshureyini enobunzima (olwakhayo +.
Masithembe ukuba umsitho we-inshurensi awusoze wenzeke kuwe. Ukuba upasa ngexesha lokuthintela, inkampani yeinshurensi kuya kufuneka ihlawule imbuyekezo ye-Inshurensi ngaphakathi kweentsuku ezi-3 ukuya kwezi-20 emva kokufumana onke amaxwebhu ayimfuneko kwityala leinshurensi okanye emva kokungena kwisigqibo senkundla. Siza kuxelela izinto zethu zezenzo zenye yezi ntlobo zelog zilandelayo.
Abahleli bebulela iRosgosststrakh, i-Alrakhshovanavie, "iSango leSpasskit", "ISango leSpasskit", "i-rosno", "imvume", "imvume" yokulungiselela izinto.