Emakethe Russian, bafeze imisebenzi yezimali emkhakheni yomshuwalense MTPL namakhulu izinkampani. Omunye wabo - "VSK Insurance" (MTPL Izibuyekezo etholakalayo). Kuyinto inkampani yomshuwalense Russian ukuthi wathatha isifuba sami nasembonini umshwalense emakethe yasekhaya. Ukunikezwa amasevisi emkhakheni yomshuwalense wokuphila, izindawo, impilo yabo iminikelo, ukuthatha uhambo, MTPL, CASCO, njll njll .. inkampani Ehlanganisa wenkampani umzali, esemgwaqweni ngokwendawo eMoscow, futhi ehlukahlukeneko kanye ngamagatsha ezindaweni Russian.

Lesi sihloko sizohlaziya lo Izibuyekezo inkampani yomshuwalense VSK MTPL.

Mayelana inkampani

Le nkampani isebenzisa amagama akho okuhweba eminingana, njengethi "VSK Umshwalense House" futhi "Zonke-Russian Insurance Company".

Ezimakethe umshwalense we Russian Federation, inkampani isebenza iminyaka engaphezu kwengu-15. Ukuba Nesibindi kuzibiza omunye wabaholi kulo mkhakha. Njengoba lokhu kuqinisekiswa Izibuyekezo eziningi, VSC MTPL lifaka phakathi izinkampani eziyishumi phezulu ezweni lethu ngokuya umshuwalense kanye nezinzuzo.

VSC unelayisensi elivumelekile ukuphetha izivumelwano zomshuwalense isikhathi esingaphezu 110 izinhlobo zokukhokhelwa. Usizo Olutholakalayo ukuze amabhizinisi nabantu ngabanye.

Phakathi 2016 FAC usezuze esigxotsheni ukulawula ngendlela izinkampani ezincane umshwalense, kuye kwaba nenani sihlangane.

Imisebenzi FAC njengoba inkampani yomshwalense okwamanje lingachazwa ngokuthi udumo futhi yimpumelelo.

Inqubo kokulethwa kwezinsizakalo inkampani yomshuwalense

Njengoba lokhu kuqinisekiswa ukubuyekezwa, VSC ku CTP ingenye izinkampani yomshuwalense ehamba phambili kuleli zwe.

Lapho nokunikeza ngamasevisi ngabanye nezinhlangano ezingokomthetho inkampani engena komthetho we-civil izivumelwano zamazwe amabili kwi reimbursable isisekelo.

Inkontileka has okuqukethwe elandelayo:

• Lezi zinkampani lenkontileka.

• Incazelo amasevisi.

• isiphetho kanye ekunqanyulweni izimo.

• Umthwalo amaqembu.

• Ubuqiniso.

• Inqubo yokuthola umshwalense premium.

• Inani lemali-premium umshwalense.

• Imigomo okuvela umcimbi insured.

• Umthwalo amaqembu.

imibhalo Key

Ngo inkampani MTPL FAC (izibuyekezo zamakhasimende uqinisekise lesi) - umkhiqizo ukhiye.

Imibhalo main ezihilelekile kuthengiselana inkontileka for ukuhlinzekwa kwezinsizakalo umshwalense, umshwalense kanye imibhalo ukukhokhelwa.

Umtsetfo lokhona we Russian Federation emkhakheni inkontileka umshwalense futhi likuvumela ukusebenzisa inqubomgomo, noma esinye salezi izinkontileka.

Okungukuthi, inkontileka umshwalense, okuyinto ine inombolo kamazisi nosuku Ekuphetheni, ingasetshenziswa ngaphandle Ukukhishwa umshwalense, uma ezibekwe iziqondiso lenkampani.

Kwelinye icala, ngesisekelo inkontileka umshwalense ikhishwa inqubomgomo ilayisensi.

Umshwalense kungaba ngabanye noma emaqenjini.

Ezimweni nge MTPL futhi CASCO kudingekile ukuba umshwalense, ngokuhambisana nomthetho wamanje we Russian Federation.

Ukuphatha imisebenzi izinkampani zomshuwalense amazinga FZ sangomhla 27.11.1992, "On the ibhizinisi umshwalense ku Russian Federation".

Izici nesenzakalo of umcimbi insured

Njengoba lokhu kuqinisekiswa ukubuyekezwa, MTPL FAC isebenza isikhathi eside futhi ngempumelelo. Phakathi le mithetho elandelayo neziqondiso.

Ngethemu yesivumelwano umshwalense futhi umemukeli kwenqubomgomo inkonzo ngemva okuvela kuyo umcimbi insured unelungelo lokuthola umklomelo. Inani inqubo yokuthola iphrimiyamu okuxoxiswene nezivumelwano.

Ngemva okuvela kuyo umcimbi insured, kwesamba kumele ifake inqubo olunikezwa iphakethe kwemibhalo, eyamukelwa emva kokucubungula umbuzo ekukhokhweni premium noma ukwenqaba.

Inkampani yomshuwalense unelungelo lokuba enqabe ngokwengxenye noma inkokhelo egcwele uma kwesamba esephula izinqubo isaziso, ukuqoqwa kwemibhalo, imigomo noma ezinye izimo.

Umthetho unikeza isikhathi ukufaka isikhalazo izinqumo ezinjalo futhi izinqubo ezithile ezingokomthetho.

Isikhalazo esiphikisana nesinqumo ku zokwenqaba esinqunyiwe noma ephelele yomshuwalense premium ikhokhwe ngokuthumela itleyimu inkampani yomshuwalense noma isikhalazo enkantolo.

Inkantolo ingakhipha khansela isinqumo inkampani yomshuwalense ukhokhelwa ukwehluleka esinqunyiwe noma ephelele, eqaphela ukuthi emthethweni. Uma inkantolo yenza isinqumo ukukhokha ngokugcwele noma ukukhulisa inani, it is lokuvela isenzo zokwahlulela, ngemva kwalokho kwesamba inelungelo befuna zokubekwa imali.

Izibuyekezo inkampani yomshuwalense VSK

Njengoba lokhu kuqinisekiswa Izibuyekezo eziningi, VSC ku CTP uthola inqwaba izimangalo.

Kukhona yokuntula amagatsha umsebenzi. Ngenxa indawo eMoscow ikhanda ihhovisi reception kwemibhalo Kwenziwa ezingaphansi nge Ukuqondisa kabusha eminye unit central. Isinqumo sokugcina impahla kuthatha isikhathi eside. Ngaphezu kwalokho, zonke izimangalo kunjalo umshwalense zithathwa emagatsheni, kodwa ngazo ihhovisi central. Amakhasimende ayikwazi ukuthola njalo umbuzo oluphelele ku ukunyakaza ibhizinisi umshwalense, njengoba kuvela ulwazi ngokusebenzisa eside ukuxhumana legatsha womshuwalense ikhanda ehhovisi labaphathi.

Inkinga yesibili - uphendulela cishe njalo legatsha kwenqubomgomo wokutholakala kwegazi nelungelo. Esikhathini imodi esebenzayo zokuphila ezisemadolobheni izakhamuzi Russian esetshenziswa ukuze wonge isikhathi sakho siqu.

Yonke iminyango izinkampani umshwalense ukuxhumana nabanye ngokusebenzisa ukuxhumana-intanethi. Kule modi, iklayenti ayinakho indlela ukuze uthole ukwaziswa okuningiliziwe. Kunesidingo ukusebenzisa ngokuhlukile ohlangothini ngalunye.

Nebubi isevisi ehhovisi ephakathi ye VSK

VSK (MTPL Izibuyekezo siliqinisekise) akahlukile imfanelo elikhethekile lenkonzo.

Ngenxa yokwamukela amadokhumenti kusuka ezihlukahlukene amagatsha nezigaba zawo eziyinhloko ehhovisi wayematasa. Kule ndaba, on-site service uyahlabeka.

Ngokusho kumpendulo yekhasimende, abasebenzi at the service unganikezi ulwazi oluthile ngosuku zokuhlala umbuzo.

Seen ukuhlukumeza esihleliwe ngokuya kokucubungula izinto mayelana naleli cala umshwalense, ukukhokhwa sokungena, ukuhlola izicelo kanye nokunxusa. eside kakhulu ikhokhwe CTP umshwalense VSK (kwezibuyekezo kuleli amaphuzu khona).

Ukuze appraisers kufanele zibhalise kusengaphambili, izimfuneko elawula ukuze ihlolwe imoto.

Abaningi izikhalazo zezakhamizi ehhovisi izimangalo isiphetho uphela izimpendulo ezingenalutho nalokuhlelekile esisemthethweni ngaphandle kokuqukethwe neziqinile.

ezicini ezinhle

Kukhona inani elanele Izibuyekezo emihle VSK enkampanini yomshuwalense. Ngokusho izibalo ezitholakalayo, mayelana 70 becela imali yomshuwalense avunyelwe nge umphumela ukwaneliseka yizinhlangothi zombili, inkampani yomshuwalense kanye kwesamba.

Lapho kubalwa izinkokhelo inkampani cishe understates izindleko ukulungiswa kanye izingxenye imigomo yakhe. Lokhu kuqinisekiswa Inkampani VSK ukubuyekezwa. CTP (eMoscow - big izingozi edolobheni kwenzeka ngempela okuningi) kanye yomshuwalense sikebhe ikhokhwe njalo. Kodwa akukhona nje enhloko-dolobha kanye nezinye amadolobha isimo okufanayo.

Ngemva kokuhlala kwabantu udaba enkantolo cishe u-100% inkampani ngokuzithandela angabuyisela amanani wabeka ukuze alulame.

Le nkampani ine abasebenzi ngokwanele ezithembekile uchwepheshe appraisers ngubani nokuhlola izimoto futhi ukubala.

izici ezingezinhle

inqubomgomo MTPL FAC (izibuyekezo uqinisekise lesi) - ke ingenye imikhiqizo ethandwa kakhulu inkampani. Ngakho-ke, inani Izibuyekezo ezingezinhle kule ndawo ezingaphezu kuka kwezinye izinkontileka.

Kodwa ukuphazamiseka ngenxa amanani kuqhathaniswa eliphezulu ukukhokhelwa ngesisekelo ayimpoqo izinqubomgomo umshwalense motor TPL nazo eziningi.

Ekuqaleni, ezindaweni eziningi eRussia 2016 kwaba udaba olubaluleke kakhulu nokuthengiswa nomshuwalense. Abantu kwakudingeka iqoshwe kusengaphambili (amasonto 2-3) noma ume izinsuku emgqeni ukuthenga umshwalense CTP.

izinkokhelo

Akukhona njalo sokuboshwa isikhathi ukukhula njalo enanini inqubomgomo futhi akukho ukwanda wenkokhelo isilinganiso.

Ethandwa ngaphezulu inkampani kuba, kulapho kwandisa izindleko amasevisi anikezwa.

Kuyi-Internet eziningi Izibuyekezo ezingezinhle yomsebenzi yenkampani edilini lomshado kwemibhalo sokubhalisa umcimbi kwesamba. Abasebenzi ngokuvamile ukwenza okuningi amaphutha futhi amahlumela, okuyizinto ke kunzima ukuthola inkokhelo.

Thukela ukukhokhelwa ingekho ekuqaleni kwesikhathi ukuthi siyadingeka zokudlulisela imali. Cash wathola kwelinye izinsuku ezinzima kakhulu.

Mayelana VSK MTPL Izibuyekezo basikisela ukuthi umshwalense ukuthenga inthanethi cishe kungenakwenzeka. Ziyakwazi noma alitholakali noma uma wenza kuphakame izinkinga nge ohlelweni.

yomshwalense kanye nezempilo

Inombolo ubuncane Izibuyekezo ezingezinhle emkhakheni wokuphila kanye umshuwalense wezempilo inkampani VSK. Lokhu kungenxa izimo ukhululekile yomshuwalense, ezingeni lelisetulu izinkokhelo.

Ngokungafani nezinye izinkampani zomshuwalense, VSC ngoba lolu hlobo lokukhokha kudingeka okungenani ube setha kwemibhalo. Ngaphezu kwalokho, asikho isidingo ukulinda ukuphela kwesikhathi ukwelashwa, uma akunzima ukubala izinkokhelo. Nge imibhalo ezifanele yezokwelapha eqinisekisa umcimbi insured, kwesamba bangafaka isikhalazo ngemali ukweletwa.

Omunye umsebenzi ehlukile plus umshwalense lenkampani kuleyandawo ukulahlekelwa - kungenzeka kwemibhalo wokufaka kunoma iyiphi legatsha noma ukuhlukana inkampani.

Naphezu kwakho konke lokhu umfutho, kanti ikhwalithi yamasevisi yomphakathi ukudayiswa nomshuwalense kanye isiqondiso CTP ekubalweni izinkokhelo ku izimangalo umshwalense is ngeke alulame.

VSK Insurance (MTPL Izibuyekezo siliqinisekise) - hhayi ethandwa kakhulu namuhla inkampani.

Iziphi izinyathelo okufanele zithathwe ukuze uzivikele uma wenze icala umshwalense?

• Ekuphetheni inkontileka nasekutholeni umshwalense CTP ufunde ngokucophelela imibhalo.
• Gcina izinqubomgomo kanye izivumelwano ngaphambi kokuphela.
• Lapho ephetha isivumelwano ukuthatha eliphuma imithetho ukwamukela ukukhokhelwa umshwalense.
• Wazise ummeleli okuvela kuyo umcimbi insured, ukugcina ubufakazi ebhaliwe isaziso esinjalo.
• Tadisha ngokucophelela esikhathini esibekwe futhi imibhalo edingekayo ukuze kwegazi.
• Lapho kokuthumela iphakethe kwemibhalo yokukhokha ukuthola ikhophi yesicelo kanye inothi reception.
• Ukuze ugcine zonke izincwadi mayelana naleli cala umshwalense ne-ejenti inkampani.
• Kunoma ikuphi kuze inkokhelo egcwele akwenziwa ezimele ukulungisa imoto noma ahlukaniswe esivuna besithathu.
• Uma kudingekile sokukuhlola ezimele futhi athumele umbiko inkampani yomshuwalense.
• Esimeni kokungabaza, uthintane ummeli afanelekayo emkhakheni.

Okufanele ukwenze uma kokunikezwa kwe-oda yokukhokha?

Kubalulekile ukuqonda ukuthi umthetho isiRashiya amalungelo ezakhamizi ahlomile nasenkululekweni yabantu. Uma ukwephula yenqubo yokukhokha kuyadingeka ukuya enkantolo.

Njengoba umkhuba ubonisa, ecaleni lamademeshe phezu sokuthola inkampani yomshuwalense ukuze kuzuze abantu nezinhlangano ezingokomthetho inkantolo sivame ohlangothini ummangali, uma kungekho ukwephulwa abalulekile kungxenye yakhe.

Ebhekisela inkantolo, ngenqubomgomo ikhasimende le MTPL inkampani yomshuwalense emfanele hhayi nelungelo kuphela, kodwa futhi isinxephezelo, inzalo izimali ezibolekwe, izinhlawulo, izindleko enkantolo, nokunye. D. umthetho ikuvumela ukuba banxuse enkantolo, hhayi kuphela emalini yokukhokha, kodwa i-kwemigomo.

Uma kwethulwa eminyakeni yamuva, izinguquko komthetho umshwalense toughened, futhi izinkampani zomshuwalense ngokwephula umthetho bezimiso zawo kuhlinzekelwe izinhlawulo ezinzima ngesimo izinhlawulo.

Ngokusho izibalo izinkampani umshwalense eRussia ngonyaka 2016, ingqikithi izinkokhelo CTP landa ngamaphesenti angu-amane. Lokhu kwasusa nesimo esinzima emakethe umshwalense. Ezinye izinkampani baphoqeleka ukuba bayeke imisebenzi yabo zezimali. Okunye zaguquka. Ngokwesibonelo, "Bin-umshwalense" owawuse ekubumbaneni nge RCS. Ngemva nezinqubo ekubumbaneni imvume izimangalo umshwalense, okwenza izinkokhelo izinqubomgomo CTP, semthethweni ngesikhathi 2016 emahhovisi "Bin-umshwalense" wenzé FAC.

isiphetho

Ngokusho imiphumela VSK inkampani yomshuwalense mayelana nezinqubomgomo MTPL ngoba ngonyaka 2014-2016, ngokubona sabantu, inhlangano enikelwe endaweni 6th ku izinkampani zomshuwalense top ten ethandwa kakhulu.

Nokho, ukuhlolwa kwenziwe ngokuvumelana yokudlala CTP Sberbank eRussia, isilinganiso SSC lisetudlwana. Kulesi uhlu inkampani endaweni yesine phakathi kwabayishumi abaphasa ngamalengiso.

Lezi zibalo, naphezu ukubuyekezwa sabantu, kodwa bathi mayelana ukuthembeka enkampanini yomshuwalense VSK MTPL izinkokhelo.

Kubalulekile ukuqonda ukuthi ngemva esiqongweni umsebenzi emakethe yomshuwalense 2010-2012, kusukela 2014, yena usebenza mode crisis. Lokhu ngeke kodwa kuthinte nomsebenzi wehhovisi omkhulu eMoscow namahhovisi amagatsha inkampani yomshuwalense iyonke. Kuthinta izinkokhelo ku MTPL FAC (kwezibuyekezo kuleli amaphuzu khona).