"MSK" (inishuwarenzi kambani): CTP, Hull, mapazi, mahofisi, yepamutemo Website, kero, runhare nhamba, uye wongororo

MSC - kambani yacho inishuwarenzi, iyo inopa rubatsiro kune vagari. Nyaya ino inotsanangura injini rechitatu bato kuita.

Pfungwa rokuti

Inishuwarenzi - munhu chaiye zvemari ukama kukura uye kushandisa mari mari, izvo kushumira kudzikamisa zvakakanganiswa panowanikwa siyana ngozi uye vanobhadharwa kuti vanhu kana pamutemo masangano mhando.

In rakamanikana Mupfungwa, ukama ichi kumativi ose kudzivirira insured munhu kana pfuma yake tichiregeredza mari, izvo aumba kubva premiums akaripa inishuwarenzi.

Mupfungwa yakakura - zvinosanganisira zvinhu akaumba gare gare ichi kudzivirirwa zvokunyama.

Normative-pamutemo mabasa, izvo kwakavakirwa ukama izvi ndizvo Civil Code of Russian Federation (Part Two, Chapter 48) uye Federal Mutemo "On Organization Inishuwarenzi Business", iro rinotsanangura uchida zvinhu rokuti. Pahwaro izvi Federal Law anogona kunzwisiswa sezvinotevera: Insurance ari ukama counterparties zviviri pasi iyo kuripwa zvimwe mazakwatira chibvumirano ne divi.

Mapato uye mabasa avo

Muukama izvi, kazhinji nhengo mbiri. First Bato - the insurer (sangano rinogona kuva voga, mukutsirani uye voruzhinji). Chechipiri - dzinongoitika uye zviri pamutemo vanhu.

insurer kuti mabasa:

1) kuripa mhiri zvaparadzwa kana akakodzera nyaya (dzinongoitika dzoga).

2) Kuziva dzinongoitika kana nomutemo munhu nemitemo uye nuances dzinoitwa nyaya iyi.

3) Kuwedzera nekuripira kukuvadza kwakakonzerwa kune insured chiitiko, uye dzosera dzimwe mari.

4) Usaita pachena mashoko kuti akadzidza rechipiri bato kuti chibvumirano (izvo zvinosanganisira utano, pfuma, uye zvakawanda).

5) Pashure rakanyorwa chiziviso policyholder anogona kutsiva munhu anoyamurika yakasiyana zvachose munhu.

6) Kana mangwanani kugumiswa kondirakiti pachine kunodzivisa kurutivi rwechipiri.

Mitoro yacho insured:

1) kuti nenguva kubhadhara mipiro.

2) inozivisa ezvinhu anozivikanwa naye, izvo zvinokosha kuona chikonzero paumbwe chiitiko insured.

3) Panguva kwemamiriro chibvumirano, bato iri mberi kutarisira kuchengeteka pfuma.

4) Nokukurumidza zvapinda insurer pamusoro dzokuchinja ezvinhu ari kondirakiti.

5) nekukurumidza kuzivisa vamwe veboka tsaona.

6) Anopa kodzero subrogation kusvika insurer (mukweretesi shanduko munataisireva inishuwarenzi).

7) Kana mangwanani kugumiswa kondirakiti vanofanira kuzivisa vamwe vebato vayo chinangwa.

kambani inishuwarenzi - MCK

Open Joint Stock Company, inonzi "Moscow kambani inishuwarenzi" (chidimbu kuti "CMC") hwakagadzwa kutora chikamu kwe hurumende Moscow mukutanga 1998. Sezvo makore 2007 chikuru mukutsirani iri boka anoonekwa kuva "Capital Inishuwarenzi Group." Anoridzora anotakura kwete chete hurumende Moscow, asiwo guru mabhanga.

MSCs (kambani inishuwarenzi) ane bumbiro guru, iyo yaiva anopfuura mabhiriyoni 3,5 rubles. uyewo ane rezinesi kuti aite basa iri 23 mhando inishuwarenzi, izvo nechinangwa kugadzirisa zvido vomunyika dzose. Kuvimbika uye kunaka basa inosimbisa Fitch Rating dzakawanda Rating sangano. MSCs (kambani inishuwarenzi) zvemari kugadzikana zvose pamusoro National uye yokumwe pamwero.

iye ariwo nhengo pamwe masangano akawanda akadai "All-Russian Union" (Nyorera mumwe zvisingaoneke), "Moscow Association" (ICA), "Aviation uye Space Corporation" (RAAiKS), RSA nevamwe vazhinji.

Financial rakavimbika kambani yacho inishuwarenzi

Gore rino iri kambani yakawedzera mari kukura kwazvo mumusika avhareji ra2007 mashoko. The zvachose Mari inishuwarenzi yakasvika mabhiriyoni 5.8 rubles. The kambani ine mari dzayo, uyewo mari kubva kudzivirirwa international mudzimba kumusika, dzinopa mukana kuita mabasa kunosiyana kunzwisisa. Panguva iyoyowo, kambani anovimbisa unhu uye mabasa nokubatira vaifungidzira.

Maererano evanhu wezwi ose (kambani inishuwarenzi) kuti MSC purogiramu zvinodiwa zvose ano: pano inishuwarenzi upenyu, utano, pfuma uye basa vemunyika.

Kuwedzera uwandu vatengi vanoshandisa mabasa inoshandiswa wacho, kuzarura itsva MSC mahofisi (kambani inishuwarenzi). Matavi ichi kambani dziri mumaguta anopfuura 170 kubva Russian Federation. Total kambani iyi inishuwarenzi rinonyoreswa vanenge 120 masangano uye nezvikamu zviduku 55.

Positive zvinoumba sangano

Kunakisa kutsanangurwa ichi kambani vakapemberera huru kwematunhu uye mumaguta masangano uye mabhizimisi. Mapoka aya anosanganisira Moscow Integrated Power Company (MIPC), Segezha Pulp and Paper Mill (SPPM). Uyewo zvakanaka pamusoro sangano kupindura Novosibirsk Metallurgical Plant (NMP), "Waterworks", nezvimwe makambani uye mabhizimisi.

kambani iyi ndiyo huru mutumwa Hurumende Moscow pamusoro pfuma inishuwarenzi, izvo vaiva neHurumende, siyana kwakavakirwa, vashandi kodzero iri zvoupenyu matunhu neminisiparati uye ehurumende zviremera.

Kuwedzera Hurumende iri kambani ine mumwe zvachose counterparty - "Bank of Moscow". Munharaunda iyi, zvakasimba vanofanira kutevedza mitoro pasi purogiramu chikwereti achiposa rubatso motokari kwezvikwereti. Zvinoitawo pamwe nemamwe Russian mabhanga: Agricultural Bank, Gazprombank, VTB-24, "Alpha", uye vamwe vakawanda.

Negative zvinhu mune mabasa kambani yacho inishuwarenzi

Kuwedzera zvazvakanakira iyi kambani pane payakaipira:

• kunyanya vagari siya kunaka inofambiswa kambani inishuwarenzi MSK;
• mune mamwe matavi boka vashandi vanoshanda, muri tsika uye kushandiswa mutauro unonyadzisira kugadzirisa ose makasitoma ayo;
• vagari vazhinji vasingafari kuti mibvunzo yavo, zvikurukuru ukama tsaona dzemotokari, vakatsunga kwemwedzi yakawanda;
• Kune vakawanda rokutonga dzinofunga pamusoro MSA;
• MTPL inishuwarenzi kambani hapasi overenga nemazvo, kutadza siyana nechokuita nyaya iyi vave aona;
• Chikomo mutengo zvakare inofungidzirwa nepasipo asingagamuchiri kufungawo zvakaitika kutyaira;
• ichangopfuura MSCs (kambani inishuwarenzi) Anofukidza matavi, pasina kutsanangura zvikonzero zvayo nemakasitoma kwemwedzi mishoma muna 2014 vakarega kushandisa mahofisi mumaguta kuKurgan, Smolensk, Syktyvkar, Barnaul, Zheleznogorsk (Kursk nharaunda), Ryazan, kuChelyabinsk, uye kunongova chiduku chikamu .

Overseas Property Insurance

Dzimwe nyika, Insurance zvivako uye zvokufambisa vagara nevakawanda tsika. Zvinopa mukana kugadzirisa zvakakanganiswa panguva nezvinoitika ezvinhu. Zvisinei, inishuwarenzi gadziriro wokumwe ine maitiro ayo.

Saka, zvinofanira kucherechedzwa kuti anenge mutsindo basa rine kukosha pfuma yave kana kuwanikwa. Sezvingatarisirwa, chichavawo chikuru mari, zvikuru dzinodhura chichava inishuwarenzi. Zvinonzi kufungwa, kana pfuma ndiyo nzvimbo huru dzokugara, kana iri kwete chete redzimba. Saka, kana paiva zvichibvira njodzi, runhare kambani yacho inishuwarenzi MSK achazoona. Zvose zvinoitwa pachine, sezvo akasimba anoremekedza vatengi ayo uye zvavanosarudza.

Impact pamusoro Mari mutemo kunopa inishuwarenzi uye vanonzi nhoroondo ndima hwaakange vawana pfuma. Chokwadi ndechokuti kana nzvimbo iri rave yakarohwa dzinongoitika dzoga, kambani iri papi zvakanaka yokukudza vachibhadhara inishuwarenzi. Zvinonzi kufungwa uye chete nzvimbo chaizvo apo nzvimbo iri.

Kusiyana oganizatsy yaiva Russia uye dzimwe nyika

In neimwe nyika, kuti policies inishuwarenzi zviri kuwedzera mureza, mamwe zvinhu. Somuenzaniso, muFrance, kupfuura mukurumbira vari zvibvumirano kuti inishuwarenzi homeowners kana kuushandisa kunze. MuEngland, achava inishuwarenzi pamusoro kukuvara pfuma rakauya nokuda nokuputika munhu hwemvura bhaira, gasi okuchengetera zvivako, kukundikana pombi dzinotakura tsvina kana kudziyisa, uye kunyange kuwa chero mudziyo mhepo-piloted. Uye Germany kwakapararira kodzero vehurumende kuita, iro rinotarisirwa kudzikamisa zvakakanganiswa mumwe munhu kana vamwe vanhu pfuma. MuCzech Republic zvinokwanisika kuwana inishuwarenzi kuti zvichaita dzosera kukuvara kana kukonzera kukuvara kuti nzvimbo zvakasikwa. MuUnited States, akavapindurawo, kwakakurumbira chaizvo rokuremekedza inishuwarenzi, iyo inoita kuti zviripe zvichibvira kukuvara kana kurasikirwa pfuma kodzero Real Estate.

Kana tikatora Somuenzaniso, Russian boka racho akadai MSC (kambani inishuwarenzi), mukuru Website kusimbisa kuti pane isina hapana zvinhu.

Shoma rinoreva CTP

Vazhinji motokari varidzi kuti kutyaira mumigwagwa hakubvumidzwi pasina wechitatu bato kuita inishuwarenzi fanira. Imhaka ichi vagari uye kugumisa zvibvumirano nemakambani akasiyana. Maererano mitemo, iyo anoita pamusoro munharaunda Russian Federation, shoma nguva CTP zvinogona kuchinjwa mune mhando nhatu.

Wokutanga Ipfungwa - nokuti varidzi vane motokari dzapfuura nehurumende kunyoresa kunze Russia. Nokuti vanhu vakadaro risingamboshandisi nguva 5 kusvika 15 mazuva.

The Ipfungwa chechipiri - vanhu vanotevera kunzvimbo kunyoresa kana panguva hwokugadzira rokuongorora mumotokari. Shoma nguva iri mazuva 20.

The pfungwa yechitatu - rakajairika. The chibvumirano iri akagumisa, kana akaita kunyoresa pamwe yomumugwagwa mapurisa. Shoma nguva angasava zvishoma pane 3 months.

Pakadaro, kana ukasarudza inishuwarenzi motokari yako chete muzvina (mwaka), mari mutemo achava 30% gore negore uwandu. Kazhinji, marudzi awa MTPL gwara shongedza motokari varidzi uchishandisa motokari haisi denderedzwa.

Brief ruzivo pamusoro Hull

Izvi rworudzi inishuwarenzi anoonekwa kuti chokuzvidira. Kana pane mutemo Chikomo mugari anogona kuwana muripo wemari kuti kuba motokari kana kukonzera kukuvadza utano mutyairi vakatakurwa. Final kugarwa ichapa sangano yamakanga rikashandiswa. Somuenzaniso, kana ukasarudza kusaina chibvumirano uye kuwana mutemo, sarudza kambani akadai (kambani inishuwarenzi) MSC. Kero matavi zvekwaunogara zvinogona kuwanika paIndaneti.

Zvinotevera parameters kazhinji kufungwa dzemaitirwe pamusoro Hull:

• motokari muchiso;
• gore gadzira of muchina (yemanyorero inishuwarenzi motokari itsva chete);
• Driver zera (vakwegura kazhinji chinobuda anodhura);
• uchityaira ruzivo (beginners kubhadhara zvimwe zvichienzaniswa vatyairi ruzivo);
• Kuvapo kodzero (rayo kushandiswa mutemo achava isingadhuri);
• mumotokari yakapakwa ari waidzivirira kugutsikana (mu iyi bhodhi zvichava zvishoma);
• kuvapo Anti-kuba aramu hurongwa;
• imwe nharaunda umo motokari ichashandiswa.

MSCs (kambani inishuwarenzi), mukuru nzvimbo uye zvose chokuita nayo

Unogona kuwana zvizhinji zvakasiyana mashoko enyaya kambani kana bhizimisi. Panguva iyoyowo, unogona kuwana nezvikumbaridzo, vanotaura pamusoro masangano okusafarira. mashoko akavimbika anonzi, iyo inobudiswa pamusoro pamutemo Website. Saka, kana ukasarudza kuwana ruzivo pamusoro sangano, akadai Somuenzaniso kambani yacho inishuwarenzi MSK, wongororo uye nezvimwe zvakawanda pamusoro naye haasi zvakavanzika.

Tichibatsirwa pamutemo Website pamusoro sangano rinogona kuitwa paIndaneti kuverenga chii kwaizova anofungidzirwa mari Chikomo uye MTPL itsika. Kuti aite izvi, kupinda zvaida mashoko mune zvimwe minda (muchiso, gore, zera uye kutyaira ruzivo). Kana paIndaneti, unogona kusarudza ngaakudze akananga kambani inishuwarenzi chaiyo. PaInternet zvinhu, unogona kuona zvakanaka uye kunaka mhinduro vemunyika avo kare kureva ichi kana kuti sangano kuti kuroora vakaisa mari dzavo.