Inkampani yomshuwalense "Liberty Mutual": izibuyekezo zamakhasimende nezilinganiso

Le nkampani "Liberty Mutual" ngokukhethekile izinhlelo umshwalense oqondile. Lokhu kusho ukuthi yokuthengisa zenziwa ngokuqondile, ngaphandle labalamuli. Ukuthengwa umshwalense bengayi kuphela ngocingo, kodwa futhi ngokusebenzisa iwebhusayithi inhlangano lakho. Ukubuyekezwa "Liberty Mutual" omuhle kwasekuqaleni ngoba sokusebenzisa amasevisi lula kakhulu futhi elula. Iklayenti ungakwazi ngasiphi isikhathi ukuvakashela isayithi ukufunda inhlangano nemibandela ukuhlinzekwa kwezinsizakalo, ngaphandle ngokushesha uvalo, kanye ilungelo ukwazi ukuthi kungakanani kuzobiza nawe oyedwa noma omunye iphakethe.

Ukuze zonke

"Liberty" - wokuvakasha, abashayeli, kanye nokuvikela impilo hlelo, impahla, ezempilo. Izinketho ethulwa impela eningi, zikhona izimo ezengeziwe ezingase zifakwe ohlelweni, noma ukulondoloza, uyozinikela. Zonke ngesikhathi ezinengqondo intengo izipesheli lenkampani. Ngokwesibonelo, uhlelo olunzulu umshwalense ungaphakathi "Liberty Mutual" cishe kabili ezishibhile mncintiswano. Yebo, futhi umshwalense izivakashi phakathi iziphakamiso lenhlangano kuhluke ngokuphawulekayo kusukela izinkampani zomshuwalense eziningi eziyinhloko. Ngezindlela eziningi, lokhu yingakho inkampani "Liberty Mutual" uye uthandwa kangaka futhi baphumelela, futhi beyibuyekeza kakhulu omuhle.

Cishe ngo-61% zokukhokhelwa - a izinhlelo ezokuthutha umshwalense, zazo 14% amaklayenti welashelwa CTP. Kufika 23% amaklayenti abadinga izinhlelo umshuwalense wokuphila. Ukuhlanganyela ke - uphiko yokuzithandela. Namanje u-12% amaklayenti abadinga umshwalense endaweni izinhlelo (izimoto ngaphandle). Ikheli inkampani yomshuwalense kanye nokwaziswa tariff kuyinto eningiliziwe website kwenhlangano.

mlando zomlando

inkampani waqale wangena emakethe amasevisi umshwalense ngo-1993. Khona-ke "Liberty Mutual", ekuqaleni wayenikeza abantu izinkonzo ngaphansi kwegama SC "ikilasi" zazingekho inkampani yomshuwalense. Shiya ushintsho olukhulu ohlakeni lwale nhlangano senzeka ngo-1999 ne ekubumbaneni nge ngokuqinile "Lenstroymaterialy". Ngemva kweminyaka engu-eziyisishiyagalolunye, bonke amasheya bathengwa umuntu ngokomthetho. Futhi inhlangano aba ngaphansi kokulawula of "Kit Finance". Ukubuyekezwa izinkampani zomshuwalense, okuyinto wayevakashele eminyakeni khona, "Liberty", kukhona ngokuphelele ezahlukene - nganelisa izinga abasebenzisi inkonzo, kodwa kwakukhona abanye abakhuluma limenyezelwe, uma inhlangano - kweqembu bakhohlisi.

Ngaphansi yasebhange utshalomali inkampani elawulwa futhi yashintsha igama layo - manje yabe seyaziwa ngokuthi "Kit Ezezimali Insurance". It ke nokubuyekezwa izinkampani zomshuwalense baqala ukulawula omuhle. iBhodi Abamele wayesenze amaphutha yamemezela zinhlelo ukutshala izimali zami kule ngqo umshwalense uhlelo. Isimo akazange ukuthuthukisa ngendlela engcono - kwehlela-ke inhlekelele yembulunga yonke kwezomnotho, okuyinto wafaka sisonqenqemeni incithakalo ebhange. Ngakho inhlangano umshwalense seliphinde ushintshe umphathi omkhulu, kodwa waqhubeka ingaziki.

umlando wanamuhla

Esikhathini sethu, insada amakheli izinkampani zomshuwalense obhula bacabange ukuthi leli bhizinisi - a ethembisa kakhulu futhi wenze nenzuzo. Kodwa ngo-2008, akubanga sobala kangako, ngakho ukwabelana yebhange, ezazihlanganisa esizayo "Liberty", kwathengiswa ruble eyikhulu namashumi kuphela apiece. Cishe ingxenye - 45% - wathenga Railways Russian, Alrosa.

Ngemva kwesikhashana, bona laba bantu umzuzile ukulawula ibhizinisi umshwalense. ngokushesha Kovalchuk aluthola okwengeziwe 9% izibambiso ngokuqinile. Futhi ngo-2012, cishe wonke amasheya (99.99%) aba ngaphansi kokulawula of Liberty Mutual. "Liberty" - wokuvakasha, impahla, impilo, ukuphila, ukusebenza ngo ukuhambisana namazinga omhlaba, njengoba okwamanje enhlanganweni iyingxenye corporation ngamazwe.

izilungiselelo ezijwayelekile

Ukubuyekeza ku sikebhe we "Liberty Mutual" ikakhulukazi omuhle. Nokho, le nkampani omuhle esikalini hhayi kuphela amaklayenti, kodwa futhi ochwepheshe ezimakethe ezinkulu. Ikakhulu, i-olusemthethweni credit isilinganiso 2017 - AA ++. Ochwepheshe babikezela ukuthi inkampani liyoqina esikhathini esizayo.

solvency ezingeni ngomshuwalense sika kubhekwa ukuphakama, ukuze inkampani nemali eyanele yokuzinakekela kuqala futhi uzinzile. It kahle liwuhlukanise izinkampani zomshuwalense eziningi sihlinzeke izinhlelo ensimini ka WaseRussia. Lokhu kusho ukuthi izimpendulo "Liberty Mutual" futhi ngeke nakakhulu esikhathini esizayo kunalokho manje. Ngokuvamile, inhlangano iseduze ezingeni izinkampani, esikalini at AAA. abahlaziyi abaningi babikezela ukuthi esikhathini esizayo inkampani uzokwazi ukufeza le ileveli entsha nokwethenjelwa.

"Liberty Mutual": ezihamba phambili

Ukubuyekeza ku sikebhe we "Liberty Mutual" uthambekele kokuhle, inhlangano has a esikhulu amakhasimende base futhi ngenkuthalo ukuqongelela ke. Emisha, kuklanywe ngendlela ekhanga abadlali abasha bese ugcine emidala, ngaleyo ndlela ihehe zomphakathi ukunikeza isiphakamiso okulandelayo: ngokuqinile ukulungele ukusinika noma ilu- inqubomgomo umshwalense oluphelele ngaphandle ekubukekeni lokukhokha komunye oyedwa ehhovisi. Ungakwazi ukwandisa isikhathi amasevisi umshwalense, yocingo yamahhala noma nge-akhawunti yakho siqu ekhasini lenkampani ku-intanethi.

Kusukela le ukubuyekezwa kwe-"Liberty Mutual 'kukwenze kwaba sobala ukuthi izinqubomgomo ikhokhwe amakhasimende ukuthola acishe kweso: bona wabaxosha eposini. Uma umsebenzisi ulahlekelwa incwadi - akuyona inkinga. Isayithi has a iKhabhinethi siqu lapho idokhumenti iyatholakala nganoma yisiphi isikhathi. Polis ngemvume ngokuqinile ngokomthetho - isignesha electronic, eyaqala sithuthukiswe ukubethela ukuthi zivikela mbumbulu. Imibhalo avumelekile tetfulo kunoma iyiphi Ngokwesibonelo.

Ukuze abashayeli: Ukuvikelwa bonke izikhathi

Ukubuyekezwa "Liberty Mutual" imvelo abashayeli bathi amakhasimende weneliseka kokubili uhlelo nokubaluleka kwalo, kodwa futhi ukusebenza izibopho inkampani.

Uhlelo CASCO ikuvumela ukuba uzivikele nemiphumela ebuhlungu ukweba, ukweba imoto, okuholela umonakalo yengozi. Kunemibandela esimweni lapho umshayeli ishayisane imoto emile noma hit isifundo esithile noma isilwane. Kuncike kwi ngecala lokweba umshwalense izingxenye ngabanye mshini.

Izici ezithuthukisiwe kulabo besaba enkingeni

Uma wayefisa, uhlelo kungenziwa kulekelelwa isivikelo ingozi, ukulahlekelwa impahla eyengeziwe. Ungakwazi uzivikele ingozi noma ukucela izinketho ezengeziwe.

Ethandwa kakhulu izici ekhethekile kucelwe abashayeli ngesikhathi inkampani yomshuwalense:

• amboze izimo umshwalense phesheya, ikakhulukazi endaweni Schengen;
• ukuvikelwa ukulahlekelwa, ukweba, ukulimala amasondo ingozi;
• inkokhelo yezindleko esimweni umcimbi kwesamba ngokugcwele, ngaphandle kwentengo.

Uma inqubomgomo ikhishwa ehhovisi we uchwepheshe inkampani azokwazisa mayelana zonke lezi ongakhetha unikele oluhlobene kakhulu iklayenti othize. Kodwa uma pholisi ozuza uhlelo nge-Internet, bese umane ufake uphawu lokuhlola enkonzweni oyifunayo, futhi uyonikwa emananini. Phela, ngokushesha kuyabonakala, okunikeza umfutho ngentengo eyodwa noma nezinye kungenzeka.

Reinsurance obligatory

Le software yayitholakala eminyakeni embalwa edlule, kodwa-ke kumisiwe. Esikhathini esingeside ngaphambili, inkampani yomshuwalense yamemezela ukuthi inkonzo futhi iyatholakala. Amakhasimende ungakwazi ukuthenga ke empahleni yabo. It kufanele ukumboza umlilo iphothifoliyo futhi ukufakwa amaphrojekthi nokwakhiwa. Ungakwazi ukuthathelwa umshuwalense umthwalo wabo wemfanelo wokuhlanganyela nabanye abantu zomthetho futhi zemvelo. Uma kudingeka, uhlelo ikuvumela ukuba ahlele amabutho phambi ezihlukahlukene izingozi zobunjiniyela.

Isayithi ukubekwa sivumelwano - entshonalanga Reinsurance emakethe. Uhlangothi ehola imele Gen Re. umugqa Net - eziyizigidi ezingu-30 US dollars. Umthamo isethwe ngokuzenzakalelayo ezingeni 15 million. Okwamanje samanje inhlokodolobha ogunyaziwe inkampani yomshuwalense ngokwayo - 480 760 000.

Uphenyo wokuvakasha

Omunye imisebenzi main inkampani yomshuwalense (ngaphandle nabanikazi imoto) - kuyinto ukuhlinzekwa kwezinsizakalo wokuvakasha. Ngokulinganayo Uhlelo nenzuzo osebenza ku nayehamba lapho isibuyele eRussia, futhi abantu baye phesheya. Luhlatiyo amanani ebonisa ukuthi inkampani inikeza mhlawumbe amazinga yokuncintisana kakhulu kuleli zwe.

Ngokuqondene imibono mayelana "Liberty Mutual" phakathi izivakashi, itholakala ulwazi umphakathi jikelele esiza ukudala isithombe omuhle inkampani. Yiqiniso, e zivakashele (futhi ukutholakala umshwalense - imfuneko eziningi visa) izimo kanini ihlangabezane imbozwe imigomo hlelo, kodwa uma lokhu kwenzeka, njengoba kusho umbiko we ngokwabo abantu bawo, inkampani ubhekana ukusebenza izibopho zayo. Nokho, kuyafaneleka - ngezikhathi zeziyaluyalu, lapho le nkampani iminyaka ecishe ibe yishumi, washintsha abanikazi, izinga lenkonzo kwaba sezingeni leliphasi kakhulu.

Efingqa

"Liberty Mutual" ingenye izinkampani zomshuwalense ezimbalwa zinikeza amakhasimende abo ukwesekwa global ukuthi iyatholakala ezingaphezu kuka ngentengo ephansi. Naphezu kweqiniso lokuthi inkampani iyingxenye corporation ngamazwe, ugxile amaklayenti Russian abasemazingeni ahlukahlukene. Kukhona izipesheli ezinhle izivakashi, abanikazi imoto nalabo abafisa ukuthathelwa umshuwalense wezempilo yawo nempahla. Libuye kunenzuzo ukusebenza izinhlangano kanye namabhizinisi bonke osayizi.

Uma ukholelwa ukuthi nokubuyekezwa komsebenzi wenhlangano, okwethulwa ngokuchichima e-World Wide Web, "Liberty Mutual" isekela amaklayenti abazithola nesimo esinzima. Naphezu kweqiniso lokuthi yomshuwalense - lokhu ingenye izinhlobo impikiswano kakhulu yebhizinisi, lapho ikhasimende cishe njalo isiqiniseko uma sikhonza inhlangano yakhe ukukopela, i- "Liberty" kwaba cishe akukho ukushayisana. Lokhu kukhombisa ngokusobala ukuthi inhlangano sithembekile, futhi ngenxa yalokho, ukuphathisa kuye imali yabo - isixazululo ezinengqondo. amavolumu Wonyaka we inzuzo inkampani zibonisa ukuthi abantu abaningi kakade wafinyelela kuleso siphetho.