"Ingosstrakh", CTP. Amazwana mayelana nenkampani

Umshuwalense - kuyingxenye ebalulekile yokuphila yesimanje. Wonke umuntu ufuna ukuvikela khona ngenjabulo nangokuphepha, kuyilapho nesiqinisekiso zezimali maqondana yisiphi isici sokuphila kwakhe. Yingakho abantu manje abaningi bathanda ukuhlala ebumnyameni, futhi uxhumane inkampani yomshuwalense. Isebenza kanjani? You zifika inkampani yakho ekhethiwe, khetha umshwalense, okungukuthi, lokho izici zokuphila kwakho futhi kungakanani ufuna ukuthathelwa umshuwalense. Futhi kusukela ngaleso sikhathi kuqhubeke njalo ngenyanga ukhokha imali ethile, okuyinto ithunyelwa umshwalense wakho Isikhwama. Futhi uma kwenzeka okuthile kulelo isici oye oVikelwe, inkampani yomshuwalense izovala zonke izindleko eziphathelene ekuvalweni nemiphumela yalesi senzakalo. Yini ongayenza ukuthathelwa umshuwalense? Ngomqondo onabile, konke. Ungakwazi ukuthathelwa umshuwalense wokuphila siqu kanye nezempilo, ungakwazi ukuthathelwa umshuwalense emakhaya abo, imali yabo, njalo njalo. Omunye ethandwa kakhulu emhlabeni uhlobo yesimanje yomshuwalense kakhulu - kungcono umshuwalense auto. Njengakwezinye izindawo, kukhona ezihlukahlukene izinqubomgomo, ngalinye elikwazi kukhethwe yeklayenti ngayinye ngayinye ku umshwalense imoto. Kodwa lapho ukuya ukuthathelwa umshuwalense imoto yakho? Futhi yiziphi izinhlobo umshwalense akhona? Yilokhu uzobe okuxoxwe ngazo kulesi sihloko.

On endaweni Russian Federation kukhona izinhlangano ngokwanele ukuthi ungakwazi ukuthathelwa umshuwalense, kodwa enhle kuyinto "Ingosstrakh". CTP, ukubuyekezwa mayelana nokuthi iziphi izinhlelo ungafunda engxenyeni esihlokweni sesibili, ingenye kuzinqubomgomo ezisemqoka nganoma yisiphi umshayeli. Yilokho ngakho, uzofunda imininingwane yokubuyekeza. Ngokwemvelo, kuyokuhambela kahle ku umshwalense imoto ngokuvamile, ukuthi udinga i-ukuphepha nokuthi kuyokunikeza, futhi "Ingosstrakh" ukuze inkampani: CTP, ukubuyekezwa mayelana nohlelo, izipesheli ezikhangayo nokunye.

"Ingosstrakh" inkampani

Ngakho, okokuqala kufanele ukhulume okuncane mayelana inkampani ezokwenza ikunikeze isevisi. Uma kuziwa umshwalense imoto, kufanele nakanjani ukubhuka e CTP "Ingosstrakh". Izibuyekezo of the amabhizinisi ku-inthanethi atholakala ezimweni eziningi ezinhle, kodwa manje kwenza akukho mqondo ukukhuluma ngakho - ngaphezulu izibuyekezo umsebenzisi ezocatshangelwa kamuva. Manje banake inkampani uqobo, kanye nombuzo othi kungani kufanele ukhethe "Ingosstrakh"? Ngokuyinhloko-ke Kuyaphawuleka ukuthi inkampani ingenye owaziwa kakhulu futhi athembekile endaweni WaseRussia. emahhovisi enkampani njengoba ingatholakala emadolobheni amaningi zwe futhi kukhona uyojabula ukusiza njalo. Lisho ukuthini "Ingosstrakh"? Ngokwemvelo, lokhu kusho umshwalense, kodwa isici esiphawuleka yiyona multi-umzila - lapha ungakwazi ukuthathelwa umshuwalense imoto hhayi kuphela yakho, kodwa futhi impahla, indlu, uhambo kwabo kwelinye izwe, izingane zabo, kanye nokunye okuningi. Sikhishwe yokuthi kulesi sihloko kuzoxoxwa ikakhulu yomshuwalense imoto, udinga ukugxila inkampani eyodwa service "Ingosstrakh" - CTP. Izimpendulo ngakho uzothola engxenyeni esihlokweni sesibili - ku isisekelo yabo njalo kulula ukufinyelela eziphethweni mayelana isevisi ethile. Okwamanje, kufanele sitshele kabanzi mayelana nokuthi iyiphi imoto umshwalense ngokuvamile futhi ngokukhethekile CTP.

Umshwalensi wokuzenzakalela

umshwalense Car kulula ukuzwisisa bona kubayini ngegama lalo, ke kuhlobene ngokuqondile le mishini, kokubili nge tekutfutsa bagibeli futhi cargo. Ngokwemvelo, injongo eyinhloko yomshuwalense auto - ukunikeza Imihlomulo yomshuwalense uma kwenzeka engozini ebandakanya imoto. Kodwa empeleni izinto azinjalo elula - kunezinhlobo ezahlukene umshuwalense auto, ezibangela kokubili impilo yabo, imoto yabo, futhi impilo kanye nezimoto besithathu. Ukuze uqonde kangcono lokhu, futhi kufanele ufunde lesi sihloko - uzoqonda ukuthi kungani udinga inqubomgomo MTPL (kanye nanoma yikuphi umshwalense imoto badinga isikhathi esithe xaxa wena).

Kuyini CTP?

Endabeni inkampani "Ingosstrakh" libuyekeza MTPL ngokuvamile zihlanganisa imininingwane, kodwa hhayi wonke umuntu ngisho nje ukuthi kuyini lolu hlobo umshwalense. Yingakho kudingeka siphendule manje umbuzo kungani umuntu onemoto, udinga umshwalense ayimpoqo. Ngakho, okokuqala kufanele sinake yokuthi lolu hlobo umshwalense asisebenzi imoto yakho, impilo yakho noma impahla yakho. CTP imele saziso umshwalense imoto isithiyo. Ngakho, yonke umnikazi imoto ubophekile ukukhipha inqubomgomo. Ezimweni eziningi, umshwalense yokuzithandela, okungukuthi, umuntu ngamunye esenqumile ukuthi ukuthathelwa umshuwalense wokuphila kwakhe futhi yini nemali ethile. Kodwa endabeni ye CTP zonke izinto zihlukile, ngoba le nqubomgomo uyisidingo. Kodwa okwesibili, kuba yomshwalense sezomthetho yakho civil ukhuluma ngokuqondile, okungukuthi, sibophezela uma ushayela azithathe ku-akhawunti konke okwenzekayo okuzungezile. Nokho kungabi sobala kakhulu? Kulokhu kufanele babheke kabanzi futhi ngokucacile ukwenza ukuthi kungani udinga inqubomgomo MTPL. "Ingosstrakh", ukubuyekezwa mayelana nokuthi iziphi izinhlelo ungafunda kancane kamuva, ungakwazi lucidly ukuchaza yonke imininingwane, kodwa ulwazi oluyisisekelo izokwethulwa esihlokweni.

Kungani udinga Inqubomgomo MTPL?

Uma ucacise imininingwane yenkampani "Ingosstrakh" MTPL ukubuyekezwa, uzohlangana ngokuvamile kakhulu, kusukela le nqubomgomo ingenye kunazo ukuphokophela. Kodwa kuyini na? Kungani wayedinga ngokukhethekile? Ngakho, uma sikhuluma ngamagama alula, le nqubomgomo umshwalense, uzodinga hhayi buyisela ekhukhwini umonakalo owawuzoba owenziwe besithathu kule ngozi lapho ububi bakho kungase kutholakale. Njengoba ungacabanga, lokhu sigameko kumele kube i-traffic futhi zihlanganisa imoto yakho. Yiziphi izinhlobo umonakalo ehlanganiswa yile pholisi? Okokuqala, kungenxa umonakalo oye owenziwe impahla besithathu. Okwesibili, umonakalo oye wabangela ukuba impilo yizinkampani zangaphandle. Ngenxa yalokho, bonke efanele esimweni uma umshayeli kanye esasiphethe engozini yemoto. Ngokwemvelo, umonakalo kungaba mikhulu, abantu abaningi kangaka ayaqala ukuba sibe nesithakazelo kulokho usayizi ekukhokheleni umshwalense. Yilokhu Kuzoxoxwa.

inqubomgomo MTPL Izinkokhelo

Uma sisebenzelana "Ingosstrakh" inkampani, amazwana izinkokhelo ezimweni eziningi kuyoba omuhle - abantu ngokushesha futhi kahle asebenzelana ngayo izinkinga zabo, cishe ngaphandle kokwenza noma yimuphi umzamo. Kodwa kukhona into eyodwa ukuthi zonke umnikazi imoto kufanele acacise ngaphambi akhiphe umshwalense CTP - silingana izinkokhelo kuso. Kuze kube 2014, lapho, sasivumela ongaphakeme wenkokhelo isilinganiso, okwakwenza inqubomgomo yokubhaliswa singu disadvantageous kakhulu. Ngokwesibonelo, isinxephezelo umonakalo owenziwe Esinye isisulu, wanikezwa ama-ruble ayizigidi 140, futhi isinxephezelo umonakalo odalwe eziningi izisulu - ruble ayizigidi 160 kuphela. Ngenhlanhla, ngo-2014 CTP renegotiated, futhi izinkampani zomshuwalense Bekulindeleke ukwandisa usayizi izinkokhelo. Futhi manje ngamunye abalimala wesithathu ikhokhelwa ayizinkulungwane 400 ruble Russian. Njengoba for umonakalo empilweni besithathu, lapha uhlelo kuba yinkimbinkimbi. Ngaphambi 2015, ama-ruble ayizigidi 160 wanikezwa lokubuyiselwa ngqo isisulu nayo behlangabezana nengozi yomgwaqo, izinkulungwane 135 ruble isinxephezelo kulabo bantu unelungelo lokuthola ke uma kwenzeka kufa isisulu, kanye ruble ayizigidi 25 ukuhlela emngcwabeni wesisulu. Ngo-2015 izinkokhelo zayo zishintshwe, futhi kusukela ngaleso sikhathi izinkulungwane 500 ruble Russian abelwe isinxephezelo umonakalo okuholela abalimala ngqo, ama-ruble ayizigidi 475 esabelwe umzuzi izinkokhelo, okuyinto ezibekwe isihloko efanele yomthetho (kukhona kabanzi zaveza ubuso, ababeke nje wehlela iqembu unelungelo isinxephezelo uma kufa isisulu), kanye zonke efanayo ama-ruble ayizigidi 25 ngezindleko zomngcwabo. Awu, manje wazi konke okudingayo mayelana nezinkokhelo ukuthi ziyadingeka okubambise inkampani yomshuwalense, kanye ukuqonda ukubaluleka CTP. Kodwa-ke umbuzo uwukuthi, futhi kuthiwani imoto yakho siqu. Ingabe MTPL Inqubomgomo isinxephezelo umonakalo, okuholela engozini yemoto?

Umshwalense imoto siqu

Uma ufuna ukuthathelwa umshuwalense isici imoto yezimpilo zabo, kuzosiza inkampani yomshuwalense "Ingosstrakh". Uphenyo CTP wathola ithatha okuhle, ukuze ukwazi ngokuphepha abasethemba Ochwepheshe. Kodwa CTP - akulona umshwalense imoto kuphela, okuyinto kufanele ucabange. Iqiniso ukuthi awubhekene umonakalo, okuyinto uzothola imoto yakho. Ngaphansi kwenqubomgomo motor ayimpoqo umshwalense TPL zokukhokha kuphela uthole wesithathu wahileleka engozini yemoto. Uma ungeyena umuntu wesithathu, okungukuthi, imoto yakho ubelokhu eqashelwa umsunguli noma Kubasunguli nesenzakalo of omunye engozini yemoto, inqubomgomo yomshuwalense CTP ngeke amboze wokulungisa izindleko zakho imoto. Yini okumelwe uyenze? Kufanele babheke kabanzi ezindabeni yomshuwalense imoto, njengoba sokukhokhwa ukulungisa izindleko imoto yakho, isisulu engozini yemoto ku iphutha lakho, udinga ukudweba inqubomgomo ehlukile ngokuphelele, okuthiwa Hull. Nokho, le nkambiso akuyona zaba isihloko esivelele kulesi sihloko, ukuze iqiniso ukhona nenhloso yato - okungukuthi konke okwamanje odinga ukukwazi ngalo.

inqubomgomo electronic

Uma ucabangela indlela umxhwele ijubane ukuthuthukiswa kobuchwepheshe besimanje, ukuklama muva umshwalense sekulula kakhulu. Sikhuluma nge-CTP, okungukuthi, inqubomgomo electronic umshwalense. Khona-ke, lapho kwentelwa kutsi letichibiyelo enziwa izinkokhelo uma kwenzeka umonakalo empilweni noma ukuphila besithathu, ke usanda kwethula lento yokuthenga izinhlabamkhosi zikagesi kokubhaliswa nomshuwalense. manje izinkampani kakhulu umshwalense ibe okungenani Amakhasi yabo esemthethweni-Internet angaba izinhlelo ezikhethekile ukuthi uvumele imoto ukuthathelwa umshuwalense induduzo ekhaya lakho. Yiqiniso, engomunye wabayishumi izinkampani yomshuwalense ehamba phambili e-Russian Federation, uhlelo ukwethula nokuphetha inkampani yomshuwalense "Ingosstrakh". Uphenyo CTP, ukuklanywa inthanethi, futhi omuhle kakhulu. Nokho, kufanele kuphawulwe ukuthi umklamo electronic inqubomgomo ngeke kwenzeke uma ungazange oVikelwe imoto yakho. Iqiniso lokuthi uhlelo uthola ulwazi oluyisisekelo ku-SAR, futhi uma ungakaze lidlule inqubo yemoto umshwalense ehhovisi ke idatha yakho egciniwe idatha. Kuyinto ethile encane, okuyinto, kwethenjwa, kuyoba ukulungiswa esikhathini esizayo. Uma oVikelwe ngaphambi, kufanele nje ugcwalise amafomu afanele futhi uthola i-imeyili imibhalo lufana ngayo "iphepha" umshwalense ukuthi uye wathola ngaphambilini.

wokubuyekezwa okuvumelekile

Nokho, sekuyisikhathi ukubheka lokho abashayeli kulo lonke Russian Federation, khuluma ngezinto inkampani "Ingosstrakh" - MTPL ukubuyekezwa. Moscow - ingenye ezifundeni eziyinhloko lapho kukhona umklamo umxhwele izivumelwano zomshuwalense. Futhi kusukela lapho kufika iningi Izibuyekezo futhi yilapha lapho cishe bonke of them akhayo. Kuyini ngempela abashayeli adunyiswe okwenza ukuthi iyini inkambiso kule umshwalense? Yiziphi izibuyekezo "Ingosstrakh" inkampani? Okuyimpoqo - lena Inqubomgomo elinakekela umnikazi we imoto ngayinye, ngakho bese ubhala kakhulu. Futhi lenqwaba abantu Izibuyekezo abo abhalwe eminyakeni emibili, qaphela lula kwesicelo kwenqubomgomo kwi-inthanethi. Inqubo fast and elula, uhlelo usebenza kahle futhi ngokunembile kakhulu. Ayikho ukubambezeleka zenzeka, inqubomgomo siqala ukusebenza ngosuku olulodwa ngemva kokuthi wenze inkokhelo. Futhi, abantu baqaphela nezinye izinzuzo inkampani, ezifana izinga yokukhokha ngaphansi umshwalense, usayizi izinkokhelo, kanye nekhwalithi yesevisi abasebenzi. Njengoba ubona, isibuyekezo ezithinta zonke izici inkampani, kuhlanganise i-CTP "Ingosstrakh". Izibuyekezo Yiqiniso, akuzona kuphela omuhle - kungenzeka ukuthola nemibono engakhi. Ngokuvamile basuke kwesokunxele kuya abakhileyo izifunda, kodwa singasho ngokuphepha ukuthi inkampani, okuyinto uyakucabangela ngokuphelele zonke izibuyekezo - "Ingosstrakh". CTP, Kazan iyona indawo isenzo noma eMoscow, kuhlale ndaba kuqala, ngakho izisebenzi ozama ukusiza izakhamuzi yenhloko-dolobha, kanye nabamele amadolobha amancane nasemadolobheni.

Izibuyekezo ezingezinhle

Ngokuqondene nemibono engakhi maqondana inkampani kanye nemisebenzi yayo, they hlangabeza ngesikhathi izikhala we-Inthanethi ezihlukahlukene imithombo. Ngokwesibonelo, elinye lamadolobha, lapho ukumelwa kwabo "Ingosstrakh" - Nizhny Novgorod. Ukubuyekezwa (MTPL nezinye izinhlobo umshwalense) zingase zihluke, futhi ezinye Novgorod ubhale isibuyekezo omuhle, futhi omunye umuntu - ezingezinhle. Kuyinto ukuqonda izizathu iningi isikhalazo esibhaliwe? Ngemva kokuhlaziya eduze kuba sobala ukuthi iningi Izibuyekezo ibhalwa ithoni engemihle yokuthi umsebenzisi abazange baqonde kahle imibhalo neziqondiso. Ngokwesibonelo, kwelinye amagatsha "Ingosstrakh" (Ekaterinburg) I-CTP Izibuyekezo ezingezinhle kwafika ngesizathu sokuthi abanikazi imoto Ungasingenisi iziphetho ezisekelwe le ngozi ehhovisi ngesikhathi. Kodwa ngesikhathi esifanayo sifuna zikhokhwa imoto Hull. Thanda Hull, omunye specialisation eyinhloko "Ingosstrakh" inkampani - CTP. Izibuyekezo Customer nazo zitholakala kanye nomklamo - isibonelo, omunye wabanikazi imoto ungathanda bangena esivumelwaneni yomshuwalense ka omunye umshayeli e erhabekileko, kodwa inkampani kungaba crank out isenzo esinjalo kuphela enyangeni eyodwa. Kunengqondo ukuphetha ngokuthi entry eyodwa encane, njengemoto isheke ezincane - futhi zonke, kodwa inkampani angeke sinikeze ngale sevisi, ngakho lesi sitatimende kuyinto isisekelo okuphelele Izibuyekezo ezingezinhle. Negative njengoba kukhona kule nkampani "Ingosstrakh" libuyekeza MTPL izinkokhelo - abantu bakhononda ukuthi izicelo zabo okwenziwa isikhathi eside kakhulu, okwenza kube nzima ukusebenzisa imoto, kodwa ngokuvamile kuxhomeke ekutheni indawo inkampani. Kodwa kuyafaneleka ukuthi wonke amazwana ibuyekezwa ngu abameleli inkampani kanye umsebenzisi ngamunye uthola impendulo eningiliziwe, okuyinto icacisa yonke imininingwane yenkinga.

okutholakele

Yiziphi iziphetho esingasithola konke lokhu kwaziswa? Kungakhathaliseki ukuthi umnyango oyicelelayo - e Moscow, noma kungaba "Ingosstrakh" -Voronezh, ukubuyekezwa (CTP ukhathazekile kwasekuqaleni) uzokutshela ukuthi inkonzo okunikezwa efanayo ezingeni eliphezulu. Yiqiniso, zikhona engajabulisi, kodwa uma ubheka izibuyekezo CTP kusuka kwezinye izinkampani umshwalense, uzoqaphela ukuthi omubi kwaba, futhi ziyohlale zikhona.