Kubhadhara "Rosgosstrakh": wongororo. Ndinoziva sei mari uye mashoko muripo?

"Rosgosstrakh" ndiyo imwe inishuwarenzi makambani shanu pakukura Russia. It yakaumbwa 1992, uye kana tikafunga nhoroondo yaitonga Soviet Union, kwakatanga muna 1921. To musi, pane anenge 80 matavi uye mahofisi anopfuura 3,000 uye madhipatimendi. The kambani unyanzvi mune upenyu inishuwarenzi uye utano vemunyika, pfuma uye kuita.

"Rosgosstrakh" chinosanganisira hunoenzana vagari wemari kambani, uye rinosanganisira zvimwe makambani pamwe yakatetepa specialization akadai SK "RGS Life", "RGS-Medicine", PF "CSG".

Nyaya ino kutarira sei kuripwa "Rosgosstrakh" anobudiswa. Kana pane dzimwe inishuwarenzi pamwe dambudziko iri, uye kana zvakadaro, chii, chii zvinosanganisira, uye sei kuagadzirisa.

Auto Insurance

Very vokuRussia vakawanda vanovimba kwakadai inishuwarenzi iri "Rosgosstrakh". Kuti atore inishuwarenzi pamusoro CTP, mumwe mugari vanoda pasipoti, motokari kunyoresa, chitupa chokutyaira uye uchapupu kupfuura michina kuongorora.

In chero nekambani dzemapazi uye pamusoro Website, unogona sei kuti formalize uye kuwedzera inishuwarenzi iri rakapa kwemwedzi mitatu, mitanhatu kana gumi. Inonyanya kufarirwa Chokwadi, kunakidzwa inishuwarenzi mitemo 1 gore.

Gwaro inogona kukamurirwa vanhu vose vachava kutyaira motokari, kana kuti chete dzakananga vanhu vakabvuma kuti achityaira motokari iyi. Kubva panguva iyi zvinoenderana kwete chitsama mutemo, asiwo kuripwa "Rosgosstrakh", kana kunodiwa.

Mari inishuwarenzi inogona kuvimba zvinhu zvinotevera:

• motokari chikamu;
• ayo motokari;
• Kureba mutyairi uye ake kana zera rake;
• nzvimbo dzokugara uye kunyoresa;
• Tsaona, iyo ichangobva akanzwisisa muridzi motokari.

Zvichienderana wacho uye motokari dzavo, pane vavariro zvikonzero chokuita mutengo.

Kubhadhara "Rosgosstrakh" muna 2016

The Data pakutanga 2016, rakabudiswa Russian Union Insurers, vakagumbura mugumisiro nokuda ichi kambani huru. Zvakaitika kuti kuripwa "Rosgosstrakh" OSAGO vakasvika bhiriyoni 8.5 rubles, apo mhosva paiva kudzika: mabhiriyoni 7,7 chete rubles. Zvinofanira kucherechedzwa kuti paiva kunaka mufananidzo kokutanga mumakore 13.

Pakangotanga tariffs, kuti rokumanikidzirwa injini TPL inishuwarenzi yakawedzera pakupera rapera, bonuses akakura kubhadhara nokuda mabhiriyoni maviri rubles. Asi akasuruvara zvikuru anenge gumi muzana pakutanga 2016 musika mugove.

Sam "Rosgosstrakh" haritauri kubhadhara inishuwarenzi. Zvisinei, boka anodavira kuti nhamba iri hariratidzi kuti sangano aigona kusiya dzimwe nzvimbo. Kubhadhara vaiva yepamusoro premiums nokuti dzaona panguva prices kuti dzisingadi kare gore. Panguva iyoyo pakutanga 2016 mu "Rosgosstrakh" akazivisa kuti CTP haasisiri kufarira kambani. Uye mukupera March, zvakasimba kunyange kumisa electronic kutengeswa inishuwarenzi. Maererano RSA, vazhinji-zvikamu zviviri kubva muzvitatu e-policies vari "Rosgosstrakh". Nokurasikirwa vava zvishoma zvishoma, asi vachiri kuramba tichikura. Kuwedzera kambani, vari achiyambirawo nezvimwe insurers. Zvisinei, zhinji, Rinobatanidzwa ne matambudziko uye zviito avtoyuristov.

Chekambani Nokurasikirwa - purofiti avtoyuristov

Mamwe makambani inishuwarenzi vanodavira kuti ndiyo eChechi avtoyuristov achitungamirira chokwadi kuti mune dambudziko rava kuda kutanga hurongwa. Saka, vari kunyange kuronga kuzozivisa nekubatwa mitemo pamwe yakabvumira kugadziriswa kwemutemo wekuita kuti tariffs, nokuda insurers zvose waishaiwa wavo wenguva inoshanda.

Asi kana makambani inishuwarenzi hanya purofiti yavo, vanhuwo motokari varidzi vanotarisira kugamuchira muripo zvakadaro tsaona, iyo Uchafukidzwa zvose zvichidhura motokari kugadziriswa.

Pashure pokudzidza Category Forums, zvinoita sokuti, mu pfungwa dzakawanda motokari varidzi, kuripwa "Rosgosstrakh" understates nyaya tsaona. Chikonzero ichi kuti vanofanira kutendeuka kuzobatsira nyanzvi - magweta, kuti "gurunurai" runodiwa chitsama kuti kugadzira kubva kambani inishuwarenzi. Sezvaunogona kuona, vazhinji vavo vari kufambira mberi mudare. Somugumisiro, insurers achatambura marwadzo uye, uyewo, hazvimbodi zvazvakanakira. It chikara denderedzwa. Asi shure kune inishuwarenzi.

inishuwarenzi yokuzvidira

Kuwedzera CTP, pane inishuwarenzi chokuzvidira Chikomo. By CTP kunoratidzwa muna kuti kuripwa "Rosgosstrakh" mutsaona pariri unobereka panyaya kuvadza motokari panguva kurwisa, tsaona, kuba uye dzimwe. Pane yoga mhando inishuwarenzi mutemo nokuda vatyairi ruzivo, inonzi "Crisis Hull." mutengo wayo, zvichienzaniswa kwakajairika, zvishoma kaviri.

Kuwedzera CTP inogona kutengwa DSAGO kana DPP, umo kukuvadza paakavapa kana anokonzerwa mhosva yacho muchairi.

CTP: kuripwa inishuwarenzi

Kambani yeinishuwarenzi inobhadhara mari kana insured chiitiko, kana:

• Iye tsaona yemotokari ubatanidzwe ane mhosva iri chiitiko;
• zvakakuvadza motokari magetsi kana nezviratidzo dd;
• vakakuvadzwa mutyairi kana mutakurwi.

Muripo kuti kukuvadza upenyu uye utano zvinogona kusvika mazana mashanu rubles, uye pfuma - kusvika mana. Muripo chinogona kuitwa zvose mari uye kuita basa rokugadzirisa. Mukupera nyaya, kana zvakakanganiswa kuti motokari kupfuura kambani kuti kuripa, mari vasara vanofanira dzosera muvambi tsaona.

Kambani yeinishuwarenzi kwete paya pane mazuva 15 mushure chiitiko, unofanira kupa pasipoti, rezinesi, kunyoresa gwaro TC gwaro yetsaona, ziviso petsaona uye kopi Protocol.

Zvakadini kana muripo mari iri understated

Saka, magwaro kudare, uye unotarisira kuwana muripo igadziridzwe. Asi pakarepo zvinoitika kuti mari zvaitambidzwa nhoroondo, vakarerutsa zvakajeka, uye haangazvidembi kufukidza zvose mari kana kuunza motokari kune hwandaiva chitarisiko. Chii chingava zvaunoita?

Mumwe munhu achatora zviri sechibayiro, uye zvichava kurega. Vamwe vachatsvaka kubhadharwa. Kana akasarudza nzira yechipiri, uchava arayire yakazvimirira tikaongorora kuti mune ramangwana aigona kunoratidza vakarerutsa mari sudyas kambani "Rosgosstrakh". The muripo yakawandisa akapikisana nemashoko anotevera matanho rokutanga:

• nokuzvininipisa kushanda muhofisi apo mutemo ndarisaina;
• dana Hotline;
• kudare zveutungamiriri.

Zvinoitika kuti chiito chakadaro zvakakwana nokuda kwokuripirwa ndeichi. Zvisinei, kana kambani kuramba kuwedzera mari, unogona ikwidzwe chichemo pamwe PCA, ipapo kushandisa zano pamutemo uye vachitevera Recommended zviito ipapo ikwidzwe kutaura.

rakazvimirira ongororo

Zvinenge zvose zano achakuudza kuti unofanira kurayira yakazvimirira kuzviongorora. basa iri kwakakurumbira pakati motokari varidzi. Mushure evaluators zvose insurers kazhinji havasi kuti yakazvimirira zvose. Somuenzaniso, varege kuona kuremara yakavanzika, kuchazoratidzwa chete panguva kugadziriswa. Zvino kukundikana ichi vanofanira kubhadharwa kuti akuvara bato muhomwe.

Independent kuongororwa, akarayira pachavo, unofanira kuripirwa. Asi kana kuongororwa zvabuda achange akasiyana uya kuitwa insurers, uye iwe uchava kudenha nayo mudare, ari mashoko vanoti chinofanira ambopupura kuti yakazvimirira kuzviongorora insurer mari vakanga reimbursed.

Uyezve, kana ari akapikisana kubhadhara pasi Chikomo, ruzivo avtoyuristy anosanganisira mairi zvinodiwa kuti dzisiri pecuniary kukuvara, panyaya yokuzvidira kazhinji inogutswa kuchengeteka dare, uye makambani inishuwarenzi kuisa.

Independent ongororo

Saka, yakazvimirira tikaongorora rinoitwa sezvinotevera. Accident mukwikwidzi murayiro uye inobhadhara basa nayo, zvatinogamuchira muripo gwaro (pahwaro iyo dare zvichabviswa kuzviuru mari). Zviri chinodiwa kutsanangura nuances kuti zvinoita mubvunzo mune tinyatsonzwisisa kambani yacho inishuwarenzi. Somuenzaniso, haana kwachakaitwa zvakavanzika kuremara.

Kana zvakakodzera, kuti evaluators kubvumirana yakazvimirira kuongorora nzvimbo uye nguva yokurohwa pamwe kumapati rechitatu. Kana ukatarira zvose zvakakanganisika motokari, zvichiguma mutsaona, nokungwarira wakanyorwa kutora mifananidzo yetumedu uye rondedzero. Uyezve kunze chaiwo Masvomhu ari zvaida kupembedza kumativi uye kudzorerwa. Kufungisisa ano mari panguva dealers mvumo kana motokari iri Serviced nayo, kana avhareji. Zvinokoshawo ndezvokuti ndiye kusakara chikonzero. Information mitengo kubva chikuru Internet nezvikumbaridzo kana zvitoro munharaunda apo tsaona yacho. Wakagadzirwa nyanzvi pfungwa. Kazhinji, masangano aya kupa, uye zvakare rubatsiro pamutemo, kuti anochengeta nyaya mudare.

muripo kubhadhara

Inobereka "Rosgosstrakh" panyaya kuripwa muripo urongwa. Izvi unotaura SAR. Zvinotevera chikonzero zvinodiwa kuti muripo:

• SC kusauka;
• kuguma izwi rayo rezinesi;
• haina kutsunga chaikonzera iri kukonzera kukuvara akuvara;
• panguva chaikonzera hakusi inishuwarenzi upi IC, kusanganisira "Rosgosstrakh".

Kana kuripwa nekuripira ebasa injini TPL inishuwarenzi. Ivo vanovimba mari uye vamwe mari rechipfuwo, uyewo nemari pakurapa akuvara akagamuchira netsaona. Muripo kubhadhara chokuita noupenyu uye utano pamusoro insured vanhu, vanosanganisira 24 kusvika 60 000 rubles.

Huwandu vachibhadhara

Kamwe mu "Rosgosstrakh" chikumbiro aripe, pamwe nemamwe magwaro kudare, anofanira kumirira chisarudzo kambani yacho inishuwarenzi. Ichokwadi, vakawanda vanoda kukurumidza kuwana mari kunzi. Asi kuenda Website, hapana asi mamiriro nyaya uye uwandu yenyu muripo kuti, haungagumburwi kuziva.

By e-mail uye mameseji pakarepo pafoni achatumirwa mashoko pamusoro chisarudzo kuti akabatwa. On the chinzvimbo unenge kuziviswa kana modaidza nokudyidzana nhamba kambani "Rosgosstrakh". Dzidza mubhadharo hwemari mashoko, hapana nzira izvi hazvishande.

Ndinoziva sei chitsama muripo, uye sei nokukurumidza vachaenda mari nenhoroondo?

Pane imwe nzira yokuwana mashoko aya pamusoro nyaya nhamba? Kwete Verengai zvichazivikanwa chete apo nyaya zvichabviswa aongorora uye Akatamisa mari kubhengi. Dzakanyorwa pashure chisarudzo chakaitwa mukati kushanda mazuva matatu. Zvisinei, nguva yechikamu kuripwa "Rosgosstrakh" ichi haushandi. The pfungwa, maererano nemirau, runoonekwa mazuva 30. Mukuwedzera, nguva kunogona nomumwe hunhu.

Panguva ino, tinogona ngaaverenge anofungidzirwa huwandu muripo pachavo. ane paIndaneti karukureta pamusoro pamutemo Website wekambani nako unogona kufamba kune imwe saizi. Asi pane zvakawanda unogona kudzidza pamusoro mari pamusoro panowanikwa netsaona. Asi MTPL uye Chikomo kumirira chii achasarudza kuti kubhadhara "Rosgosstrakh".

Reviews: kubvuma chisarudzo kana kunokumbira

Vakawanda vari zvinosuruvarisa zvakaitika kuti kakawanda musi CTP muripo pakuparwa mutsaona nyanyaidza. Dzimwe nguva underpayment anogona kusvika 80%. Zvokuita Pakadaro, motokari varidzi, zviri kwavari.

Vamwe vanoda nokukurumidza kunzwisisa zvose uye kutora mari kuti vanopiwa. Vamwe vanotsvaka rubatsiro kubva ezvemutemo uye vari kukumbira kambani.

Sezvo tsika inoratidza kunyange UK utariri inosimbisa izvi, avtoyuristy "kubirwa" pamusoro insurers, kana kutora nyaya. Izvi zvinoreva kana tsaona mukwikwidzi anoita sarudza kunokumbira, kuti ndiwo mukana wakanaka kuita zvakanaka mugumisiro.

Kutonga nezvinooneka wongororo kuti wakasiya kare vakapfuura vatyairi bvunzo vari, vakawanda vasapemberera kubvuma yakaderera kubhadhara, uye kuedza kuwana mari yakadaro, iyo chose dzosera rokugadzirisa basa motokari. Zvisinei, kunyange kana "Rosgosstrakh" chinangwa haafaniri kuzviwanzira chitsama muripo, zvinogona zvinoda mabiko mhosva.

mhedziso

Saka zvinhu nhasi mu "Rosgosstrakh", inishuwarenzi ayo vanobhadharwa. Chokwadi, chero boka vakasangana vasingagutsikani vatengi. Uye kana pane chikonzero pakutanga chaizvo uye kusingafadzi, uye pfungwa hakusi kuzvarwa.

Asi, Ukuwo, kubhadhara nokuti inishuwarenzi nguva, muridzi motokari anogona kuvimba muripo yechipikirwa maererano nomutemo. Naizvozvo, kana tsaona yacho, zvinokosha kuti titsvake munhu chete yokugadzirisa paari. Pashure kuripwa inishuwarenzi "Rosgosstrakh" anofanira kufukidza yokugadzirisa motokari, akawana mutsaona isiri mhosva muridzi.