Izinhlobo Non-standard umshuwalense ku Russian Federation

umshwalense wempilo, impahla izingozi ehlukahlukene angene ezimpilweni zethu, isibe yingxenye yokuphila kwansuku zonke. Kulesi sihloko sizosebenza izinhlobo ezinkulu umshwalense, bese ukhetha phakathi kwazo esithize kakhulu, non-standard, izigaba engavamile.

Izinhlobo ezinkulu umshwalense eRussia

Okokuqala izivumelwano zomshuwalense zihlukaniswe 2 izinhlobo:

• Okudingekayo. umshwalense ezinjalo umuntu uphika umthetho futhi indiva izimfuno zawo kuholela izinhlawulo elihambisana. Lesi sigaba sihlanganisa umshwalense MTPL abagibeli, MLA.
• Zokuzithandela. Inkontileka umshwalense yilona lodwa ngesicelo yisakhamuzi.

Yiziphi izinhlobo umshwalense zikhona? Kungaba umuntu noma iqembu, futhi buyiselo kuso - isamba semali noma njengoba impesheni. Ngu definition, kukhona isinxephezelo lemali imbuyiselo okulinganiswa (noma iyiphi ingxenye umonakalo bavumelana) futhi owokuqala ingozi uhlelo (ngaphakathi isamba bavumelana oVikelwe kuwo wonke umonakalo ikhokhwe).

Ngokusho isahluko 48 se-Code Civil, izinhlobo umshwalense ku Russian Federation zihlukaniswe 4 izigaba:

• impahla;
• siqu;
• umthwalo;
• izingozi ibhizinisi;
• ekukhanyeni Amathrendi yamuva ivelele nakakhulu nezilwane ezithile.

Khulumela kafushane zonke izinhlobo okushiwo.

umshwalense Property

Zintathu izinhlobo umshwalense akunakubangelwa salesi sigaba:

• impahla (kufaka ekhatsi imitimba ubunjiniyela kanye oVikelwe ngaphakathi egumbini ..);
• izimoto (njengoba kwaba njalo endabeni ka-ukubhujiswa Imininingwane nokuvela izilonda);
• wezimpahla (phakathi zokuthutha, athula, isitoreji).

umshwalense siqu

Omunye lwezinhlobo ezivame kakhulu lomshuwalense, bazigcwalisa ngesiRashiya. Lokhu kuhlanganisa:

• yomshwalense (asanda lokhu kuhlanganisa yomshwalense ezuziwe);
• lomshuwalense izingozi (ukulimala, ukugula, ukulahlekelwa isitho noma ingxenye yomzimba, ukukhubazeka, ukufa);
• umshwalense wezokwelapha (CMI - saziso, yokuzithandela umshwalense wezokwelapha - yokuzithandela);
• umshwalense Juvenile;
• impesheni umshwalense (isinxephezelo iyatholakala kuphela umhlalaphansi) - ayimpoqo kanye wokuzithandela;
• umshwalense abagibeli ka tindlela tekutfutsa letehlukene;
• abasebenzi umshwalense.

umshwalense isibopho sezomthetho

Lesi sigaba sinzima kakhulu. Sibala eziningi imishuwalense ukuthi kuhlanganisa:

• kuhilele ecaleni elimayelana nezakhamuzi sanoma yikuphi ukulimala kwe besithathu;
• umthwalo izinga izimpahla ezikhiqizwa;
• Yimaphi ukwehluleka ukufeza izibopho ukuze ayemkweleta;
• profotvetstvennosti - ngokulimaza umsebenzi kumakhasimende, abathengi;
• icala civil izinhlangano, amabhizinisi, amelela umthombo ingozi lenyuka;
• icala civil of abathwali ahlukahlukene - ezisemadolobheni, ujantshi, umoya namanzi ezokuthutha, umasipala, njll.;.
• CTP.

umshwalense ibhizinisi

Lokhu kuhlanganisa umshwalense:

• iziqinisekiso zezimali;
• ukulahlekelwa noma ukulimala impahla ibhizinisi;
• ukutshalwa kwezimali;
• ingozi yokungakhokhi;
• imali;
• ukuthekelisa credit.

Umshwalense izingozi engavamile

Nokho, kuyathakazelisa ukuthi angajwayelekile izinhlobo umshwalense:

• Umshwalense womsebenzi wokwakha - umthwalo lonjiniyela;
• wezolimo;
• ngamazwe (sokufinyelela imitholampilo yokwelashelwa emhlabeni, kanye izakhamuzi, ngokuvamile kuba phesheya);
• ngokuhlanganyela (umshwalense abantu abangaphezu iyonke);
• Isihloko (ingozi nokulahlekelwa ilungelo lempahla isinqumo senkantolo);
• izingozi umshwalense elihlobene ne ukutshalwa kwezimali;
• izingozi zezombusazwe (kwethonya izici ezihlobene inqubomgomo isimo, zenza into).

Siphendukela amacala ngabanye yomshuwalense ethize.

10 izinhlobo engavamile yomshuwalense

Ebhekisela umkhuba ezweni izinhlobo okungezona ezijwayelekile yomshuwalense - ukubheka simo emhlabeni izigaba kuyingxenye engavamile ihlanganiswe yinkampani Dutch Hullberry Umshuwalense:

1. ukukhula Umshwalense e amanani kaphethiloli. Ukuze 19.95 euro ungakwazi ukungena inkontileka umshwalense ukuhlinzeka ukunxeshezelwa izindleko ezengeziwe ngesikhathi ukukhula yezindleko zikaphethiloli ngaphezu kuka-15%.
2. Ukushaya umnyango. Lomshuwalense kunokudideka okungaka izobiza mayelana 18 euros ngonyaka. Phezu okuvela umcimbi kwesamba, ungathola kufika ku-euro angu-100.
3. Washaya ikheshi. Kusukela 12 kuya ku-28 euros ngonyaka liyobe libiza inkontileka ne inkampani yomshuwalense ezinjalo; Isinxephezelo - 75 euro.
4. Uchungechunge nokwahluleka ilotho. Uma umuntu oVikelwe imzuzele izikhathi 52 ilandelana ithikithi lottery amashwa, ke ungathola "induduzo umklomelo" kusukela umshwalense wakhe - 2500 euro. Inkontileka umshwalense iyobe iwufanele njengoba 12-28 euro.
5. Ukwethulwa kwe "Ukwenqatshelwa". Isinxephezelo kusukela inkampani yomshuwalense kuyoba 500 euro okufanayo ejwayelekile 12-28 euros ngonyaka.
6. ejele eyiphutha. Isinxephezelo salokhu esimweni esingajabulisi kakhulu ngeke azisizi euro angu-500. Inani ingozi umshwalense - 12-28 euros ngonyaka.
7. Ukwenqabela e-altare. Uma umakoti noma umkhwenyana umuntu oVikelwe abampofu ukumangala ethukile "cha", lokho kusho ukuthi yokugcina bangathembela inani euro 100 inkampani yakhe umshwalense.
8. Fallen ngaphansi kwenkululeko ngekhamera efihliwe. Labo ungafisi ukuba abe iqhawe okungalindelekile kakhulu kwe-movie, kungenzeka ukuphothula isivumelwano (futhi 12-28 euros ngonyaka), lapho ungakwazi ukubala ukunxeshezelwa 1,000 euro.
9. ingane yomunye umuntu. Uma indoda ingazami ngokuphelele ukwethemba isigamu engizizwa ngingcono ngazo, futhi kuhlolwe igazi ezinganeni waqinisekisa izinsolo zakhe phezu kwakhe amukele njengoba isinxephezelo ngomshuwalense zamaRandi 500.
10. Ukuthunjwa Kwezingane nezidalwa ezisemkhathini. Uyamelana umcimbi ongaziwa futhi esimangalisayo, ayokhonza njengamakhosi 5000 euro. Ngesikhathi esifanayo esinye nemibandela yesivumelwano - ukuhlinzekwa kwemibhalo ezifanele ezivela kodokotela umoya isikhala amabutho.

izinhlobo Non-standard umshuwalense eRussia

Manje ake sibheke esigabeni elingavamile umshwalense ezweni lethu:

• izilwane Insurance. Friars Minor kungenziwa insured wokulwa ekubhujisweni, nokweba, nokubulala. Kwesamba kumele kube enempilo futhi bhalisiwe e nursery, ube nemigomo edingekayo kube okungenani izinyanga 3 hhayi abaneminyaka engaphezu kuka-12 - ikati, iminyaka 9 ubudala - inja.
• Lomshuwalense ubunhloli ezimbonini. inkontileka Umshwalense kosomabhizinisi abesaba izenzo zobugebengu abasebenzi babo - uhlobo umshwalense angajwayelekile eRussia.
• Umshwalense ekuweni ku meteorite wakhe. Ukucindezela lolu hlobo umshwalense waqala ngemva sigameko ngesikhathi Chelyabinsk ngo-February 2013.
• Lomshuwalense imithelela kokulunywa umkhaza. Inkontileka umshwalense kuhlanganisa isinxephezelo yokususa ucwaningo isilwane phezu kwekalishi amagciwane ayingozi, ukunakekelwa kwezokwelashwa, nezindleko izidakamizwa.
• weTjhorensi "Wedding". Lesi isivumelwano insures ngokumelene eziningi: sezulu esibi, ukugula, kuyilabo ababesanda kushada, umthwebuli wezithombe ehluleka ukuvela, umshayeli, toastmaster, nezinye izinto ezifanele, njll ...
• Lomshuwalense ingozi non-kokuhamba phesheya. Kulabo abesaba ukuthi izimo eziphuthumayo - ukugula okungathí sina, inkantolo, ukubambezeleka visa - zingaphazamisa uhambo ezibalulekile, uhlobo angajwayelekile yomshuwalense kuyoba usizo olukhulu.
• Lomshuwalense ukuxoshwa. Ezikhathini zobunzima ezweni lethu, umshwalense enjalo iyafaneleka kakhulu - ikakhulukazi abantu ukukhokha loans eside, kanye namabhange elikhiphe lezi loans.

Izinhlobo ezinkulu zendabuko yomshuwalense eRussia futhi emhlabeni ngokwethukela ungeze ngokwezifiso ethize. Ezinye zazo Ubonakala ezingadingekile futhi Amazing, futhi abanye ukuthatha ngempela ku ezingokoqobo akhawunti lanamuhla.