Abahle kakhulu umshwalense ngu CTP: uhlu izici kanye nokubuyekeza

Inkinga yokukhetha inkampani yomshuwalense wabhekana kokubili Wabasaqalayo abantu esikhathini esidlule babe nesipiliyoni lapho uthenga inqubomgomo. Ngokuvamile lokhu kungenxa abangenangqondo okulindele izinkokhelo. Ngakho-ke kubalulekile ukwazi ukuthi ukukhetha inkampani efanele. Kubalulekile ukuqonda ukuthi acabangele hhayi kuphela izici subjective, kodwa futhi ngempela wokusebenza kwezimali. eminye imininingwane mayelana nokuthi ukuze kunqunywe ukuthi yiziphi inkampani yomshuwalense esingcono kakhulu ukuze CTP, kanye nanoma yimiphi eminye lomshuwalense, ukufunda ku.

inkinga

Minyaka yonke, izigidi ezingu-42 abanikazi imoto ukuthola isibopho sezomthetho ithuluzi umshwalense nomunye 5 million - Hull. Uma izinguquko eziye zenziwa umthetho ngo-2014, i-ukulungisa lokho okonakaliswa amaklayenti ukufinyelela kuphela umshwalense wakho. Inani yokukhokha kuncike inqubo yenkampani. Wazi kanjani ukuthi inkampani yomshuwalense kungcono ukukhipha MTPL?

imininingwane ukubuyiswa

Inkampani ezinhle umshwalense ngu CTP - iyinkampani elithembekile elingasiza ngokushesha ukufeza izibopho zayo. Ngisho ngomshuwalense ezingezinhle kakhulu futhi kufanele bakwazi ukwenza izinkokhelo hhayi hamba ayinamali.

Ukuba yinkimbinkimbi is sahlanganisa kukhethwa eziningi izinkampani yokusebenza emakethe. Njengoba amakhulu izinhlangano ukuze ukhethe ukuthi yiziphi inkampani yomshuwalense esingcono kakhulu ukuze CTP? Ungakwazi Ngokuqinisekile ukuhlaziywa ayo ulwazi olutholakala esidlangalaleni posted on the olusemthethweni amawebhusayithi, izinkundla, blogs kanye zokuxhumana. Kungcono ukwazi umbono ayebelapha lenkampani. Ungakhohlwa ukuthi amazinga yaminyaka yonke izinkampani zomshuwalense obakhathalelayo.

ukuqoqa ulwazi

Uma kuziwa inkampani encane noma elaziwayo elincane, into yokuqala ukuthi ubheke ukuthi unesikhathi selayisense yebhizinisi lakho. izinkampani kuphela ngelayisensi efanelekile anganikeza amasevisi umshwalense. ERussia kukhona ezingaphezu kuka-400, futhi ngayinye kuwo inqwaba ejenti. Register of izinkampani zomshuwalense ethulwa kwi-website ye-Bank of Russia ngaphansi kwezimakethe. Nge izinkampani zomshuwalense, bhalisiwe endaweni kwelinye izwe, hhayi ukukhulumisana kangcono. izinhlangano Okuningi obuphathekayo ukusebenza eminyakeni engaphezu kwengu-10 emakethe.

Umthamo izinkokhelo

Ukubhebhetheka umonakalo ngenxa lemali elingaphansi namuhla kunangesikhathi okwaqhutshwa ngaphambili. Zonke izinhlangano kulesi sibalo izindleko ukulungiswa okudingekayo ukusebenzisa indlela evunywe Bank of Russia. Umehluko kungasizuzisa isikhathi izinkokhelo. Ngakho isimo ngemcondvo. Ekusebenteni, ngo-2014, izinkampani zomshuwalense eqoqwe ruble ayizigidi eziyizinkulungwane ezingu-150, futhi balani izisulu 90,3 bhiliyoni kuphela naphezu kweqiniso lokuthi ngokomthetho, isisulu kumele ikhokhwe 77% izimali ephakanyiswe. Incazelo ilula. Okokuqala, ngo-2014 yayingekho indlela esihlanganisiwe sokunquma izindleko zokulungisa. Okwesibili, ngesikhathi ukuthengwa amathuluzi inqubomgomo kwenziwa ngokheshi. umcimbi oVikelwe zingaphinde zivele noma inini esikhathini esizayo. Ngakho-ke, iningi amaphrimiyamu eqoqwe ithunyelwa esiqiwini.

ukuzinza kwezezimali

ikhono zenhlangano ukufeza izibopho zayo kunoma isiphi isimo somnotho ibonisa wokusebenza kwezimali. Kubaluleke ngokukhethekile ukuba sihlaziye izitatimende, uma sikhuluma nokubambisana eside. Ngisho inkampani yomshuwalense ezinhle ngu CTP kungaba unezinkinga yokukhokha. Yini okufanele Ngibheka?

inhlokodolobha agunyaziwe kumele singeqi isethi ubuncane (120 mn).

Kukhula amafa lenhlangano ibonisa Dynamics omuhle yentuthuko, ikakhulukazi uma kwenziwa ngezithukuthuku amaphrimiyamu eziqoqiwe. Inkampani ezinhle umshwalense CTP has a semali Izimali ezikhona.

Inombolo izinkontileka kufanele kube amathuba afanayo zezimali.

Umshwalense izinqolobane ngokuvamile musa idlule kwamandla emali. Kodwa ukwehla Dynamics - kungcono mkhuba omubi.

Inkulu kakhulu ezingeni lezinkokhelo Kufanele wazise amakhasimende ezingase zivele. Ngoba eqinisweni abahola inhlangano - ke baqoqa umklomelo. inkampani kanjani khona uma amakhasimende ikhokhwe imali eningi, kuka eqoqwe?

Izinkampani ezinkulu idluliselwe nezinye izinhlangano nokungu-50% we iphothifoliyo umshwalense.

Yilokho umsebenzi omuhle inkampani yomshuwalense (CTP).

Izibuyekezo

icala ngamunye ngamunye. Ngisho ngemva kokuhlaziya ngempendulo phezu izinkundla, kunzima ukunquma ukuthi iyiphi inhlangano - okungcono inkampani yomshuwalense ngu CTP. Zonke amaklayenti ibhekene nezinkinga ezifanayo:

• ukucabangela eside isicelo (phezu yokuqinisekisa kwemibhalo kungathatha inyanga);
• Inani ukuncipha izinkokhelo (ngamunye amasheke umshwalense zonke izibalo appraisers ebhekisela SAR, ukubaluleka okuholela is kushintshwe inani VAT imali, futhi okusele kumele zikhokhelwe iklayenti).

Vuma amakhasimende kakhulu abathenga umshwalense eCrimea. Akuwona wonke izinkampani zomshuwalense amawofisi zabo lapho. Ngakho-ke, ngenxa amakhasimende ukukhokha kufanele ubuyele emuva Rosgosstrakh.

izinga umshwalense

Amanani Low kufanele wazise amakhasimende ezingase zivele. Okulahlwa wahlanganyela izinkampani ezincane noma uhlobo olusha obelungekho ukuthi uzama ukuheha abathengi. Isu efanele kuphela esigabeni sokuqala umsebenzi. Ngokuhamba kwesikhathi, nazo ezikweletini. Ukuxosha ngamanani aphansi e ephetha inkontileka yesikhathi eside kwenza akukho mqondo.

wenkokhelo uma umcimbi insured ibalwa esekelwe yokugibela, yanda ngezinkulungwane inani Ukusabalala akhethiwe yiklayenti. Inani etholwe eqondiswa yi okuza ukulungiswa. Endabeni le CTP kungenzeka engu-indawo somshayeli lokuhlala, indlela ukugcina izimoto, isipiliyoni ukushayela, njll I nalwazi umshayeli kanye amadala imoto, aba maningi amathuba inkampani Kuyomelwe bamboze. Lokhu-ke ngeke zithinte inani yomnikelo. "Penny" inqubomgomo angeke amboze zonke izingozi. I umshwalense akagcwalisi izithembiso zakhe. Iklayenti uyolahlekelwa imali futhi umshuwalense.

Ukuba khona amabhonasi nokwethembeka izinhlelo ngokuphambene has nethonya elihle inkampani isithombe. Inkampani enkulu kungehlisa intengo amakhasimende avamile.

izilinganiso

Esikhathini simo izinkampani zibekwa ezigabeni ezinhlanu:

• kakhulu - Isigaba A;
• ezingeni eyanelisayo ingozi - Class B;
• Izinga eliphansi nokwethenjelwa - Class C;
• ucabanga - Class D;
• Ukuhoxiswa kwelayisensi - Class E.

Izinkampani ezingcono kakhulu zibuye zihlukaniswe okwengeziwe ngezigaba ezintathu: eziqinile, ezithembekile kakhulu futhi ngamandla kakhulu.

Ukuxilongwa ejensi akuyikuwela mahhala. Ngakho-ke, le simo ayihlanganisi zonke izinkampani. Ngesikhathi esifanayo, ukungabi bikho kokukhanya inkampani ohlwini akusho ukuthi asikwazi omethembayo. "Folk" izilinganiso ukuhlola izinkomba ambalwa, nama-ejensi - izinga. Ukuze okuzuza ukuhlolwa ucishe ezanele kufanele aqondiswe data esuka emithonjeni amaningi kwelinye isikhathi eside.

Esikalini wezilinganiso "Isazi RA"

Umhlangano omkhulu kunayo yonke-Russian isilinganiso ejensi "Isazi RA" ngonyaka uqhuba analysis eningiliziwe imisebenzi izinkampani zomshuwalense ngezindlela eziningi. Zonke izici kubekwa emazingeni ngokuhambisana degree of ukubaluleka.

izici zangaphandle:

• ivolumu, Dynamics amafa ushintsho, nokulingana dolobha, umshwalense premium;
• isikhundla lenhlangano emakethe (iqhaza izinhlangano, izinyunyana, idumela, umkhiqizo, ubuhlobo ne abaqondisi kanye lunye);
• ukulawulwa kwebhizinisi (abanikazi ezingaba, kwezinhlekelele, uhlaka lwenhlangano, ingqalasizinda, obala yomsebenzi);
• Geography (inethiwekhi igatsha evuthiwe).

ibhizinisi Umshuwalense:

• umshwalense iphothifoliyo (nokwahlukana kwezimboni ingozi, inzuzo ngohlobo umshwalense);
• ikhasimende base (khona unomphela counterparties Ingxenye ukukhansela inkontileka, izindlela izinqubomgomo ukusabalalisa Reinsurance abalingani);
• Reinsurance imisebenzi (ukuthembeka, ukusebenza kahle kanye nokuvikelwa diversification, Reinsurance ingozi, isilinganiso nenani izinkokhelo nokulingana).

izinkomba lwezezimali ziyahlaziywa ngoba:

• zezimali kanye solvency;
• nenzuzo kanye unprofitability;
• inqubomgomo utshalomali.

Kunzima ukuthi yini engcono inkampani yomshuwalense ukunquma ngu CTP. Ukukalwa ivoti "ethandwa" liyoba nelungelo ukuba sibe khona, nakuba kuba subjective kakhulu hhayi inhloso. On the Izibuyekezo zabantu bangempela kuwufanele ukubukela abakwethembi, njengoba yonke umshwalense has abayithandayo yayo nabaphikisi. Naphezu kwazo zonke lezi zici, esisodwa ungacabanga ithoni jikelele imibono mayelana abaholi emakethe umshwalense, ukucacisa engcono zomshuwalense ku OSAGO izinkokhelo.

"VTB Insurance"

Eminyakeni engaphezu kwengu-16 khona leqembu umshwalense ivule amagatsha emadolobheni 114 kuzo zonke izifunda ze-Russian Federation. Standard & Abampofu sika yamazwe omhlaba esabelwe 'VTB Insurance "yilona eliphezulu ukuwedlula wonke phakathi izinkampani Russian ukalwe BB +. Le nhlangano "Isazi RA" ngo-2015, inkampani uye kuhlukaniswe phakathi enokwethenjelwa kakhulu. Ngaphezu amasevisi yomshuwalense imoto, inkampani inikeza uhlu olubanzi eminye imikhiqizo: Ukuvikelwa kwempahla, imali kanye uhlelo lokutshalwa kwezimali.

ROSGOSSTRAKH

Imibhalo emidala kunayo yonke umshwalense iqembu eRussia okuholela inani amagatsha evulekile. Esikhathini simo "Isazi RA" Rosgosstrakh has elikhokhelwa eliphakeme amaprimiyamu, izinqolobane namafa. Nakuba kwezinye izindawo, amacala ukwephula umthetho aye alotshwa uma amakhasimende baphoqeleka ukuba ukuthenga nomshuwalense imoto. Ukuze komgomo ezinjalo enhlanganweni ngesikhathi ilayisensi kwasuswa.

SOGAZ

Enye CTP ezinkulu inkampani omuhle umshwalense has lemali ngobukhulu amaphrimiyamu eqoqwe Russian Federation. isakhiwo Group siqukethe 9 nezikhungo nabaphesheya ukukhonza abantu abayizigidi ezingu-14 futhi izinhlangano ayizinkulungwane 40. zomthetho. Izinzuzo esemqoka inhlangano zihlanganisa elilungile intengo-izinga izinqubomgomo CTP.

Isigaba sokugcina

Ngaphambi kokwenza isinqumo sokugcina, kubalulekile ukuba uvakashele amahhovisi izinhlangano eziningana ukuze:

• ukuhlola izinga lenkonzo;
• isicelo izilinganiso eziqhathanisa;
• ukuze uhlole izimo yesivumelwano.

The best inkampani yomshuwalense ku CTP hhayi kuphela ukhethe tariff ngabanye, kodwa futhi inkulumo mayelana umehluko wemisindo nemiqondo yamagama eziyisisekelo inkontileka.

isiphetho

Kunzima ngempela ukubona ukuthi yiyiphi inkampani yomshuwalense esingcono kakhulu ukuze CTP. Real abantu Izibuyekezo kukhona subjective futhi ngokuvamile ezihambisana abalindela okukhulu izinkokhelo. "Abantu," izilinganiso futhi unganikezi ukuhlolwa ezanele isimo sezimali. imibiko Esemthethweni ihlaziye ngokuningiliziwe by abahlaziyi professional kanye ngonyaka. Kodwa ngisho kokuba eqoqwe lonke ulwazi, kunzima ukunquma ukuthi iyiphi engcono inkampani yomshuwalense ngu CTP. Phela, kukhona isici yabangelwa yiphutha lomuntu, okungabanga bikho kuso umuntu engahlangabezani.