On musika wokuRussia, vaite mabasa zvemari mune inishuwarenzi MTPL mazana makambani. Mumwe wavo - "VSK Insurance" (MTPL wongororo iripo). Zviri kambani inishuwarenzi wokuRussia kuti akatora rangu chivimbo mumwe niche pamusika inishuwarenzi zvipfuwo. Yavanopa mabasa mune upenyu inishuwarenzi, zvivako, upenyu uye utano zvipo, kufamba, MTPL, Chikomo, nezvimwewo nezvimwewo .. raiumbwa neboka kubva mubereki boka, riri munharaunda yakakura muMoscow, uye zvakasiyana-siyana madhipatimendi uye mapazi kumatunhu Russian.

Nyaya ino tichaongorora wongororo kambani yacho inishuwarenzi VSK MTPL.

About wekambani

The kambani anoshandisa dzakawanda dzaishandiswa mazita akadai "VSK Insurance House" uye "All-Russian Insurance Company".

Mune inishuwarenzi pamusika yeRussian Federation, kambani unoshanda makore anopfuura 15. Nechivimbo anodana pacharo mumwe wavatungamiri mumunda uyu. Sezvo anotsigirwa nevanhu vakawanda nezvaro, VSC MTPL pokutanga pakati pamusoro makambani gumi munyika yedu maererano inishuwarenzi uye zvakanakira.

VSC ane chikonzero rezinesi kugumisa zvibvumirano inishuwarenzi kuti vanopfuura 110 marudzi kwema. Services zvakabayirwa mabhizimisi uye vanhu.

Panguva 2016 FAC awana chinhu nokudzora rokutambudzikira mune makambani madiki inishuwarenzi, kwave zvinoverengeka akazobatanidzwa.

Mitambo FAC sezvo kambani yeinishuwarenzi panguva anganzi chinzvimbo uye akabudirira.

Nzira kuti urongwa mabasa nokuda kambani inishuwarenzi

Sezvo kwakaitika wongororo, VSC musi CTP ndeimwe aitungamirira inishuwarenzi makambani munyika.

Kana kupa rubatsiro kuvanhu uye dzepamutemo masangano kambani unopinda wehurumende mutemo bilateral zvibvumirwano iri reimbursable hwaro.

The Chibvumirano ane zvinotevera zviri:

• mapato aya kuti kondirakiti.

• Description mabasa.

• mhedziso uye kugumiswa ezvinhu.

• Basa vemapato.

• ukoshi.

• Nzira chokuwana inishuwarenzi shoma.

• Huwandu inishuwarenzi shoma.

• Mitemo panowanikwa insured chiitiko.

• Basa vemapato.

zvinyorwa Key

In kambani MTPL FAC (mutengi wongororo zvinoratidza ichi) - chikuru chigadzirwa.

Huru magwaro munyaya kutengeserana ndiko nechibvumirano urongwa mabasa inishuwarenzi, inishuwarenzi uye mubhadharo magwaro.

The mitemo kuitika yeRussian Federation mumunda chibvumirano inishuwarenzi uye anobvumira kuti kushandisa mutemo, kana umwe zvibvumirano izvi.

Ndiko, chibvumirano inishuwarenzi, rine chiratidzo nhamba uye gore mhedziso, zvinogona kushandiswa pasina issuance ane inishuwarenzi, kana iri waiti mumirau kambani.

Mune imwe nyaya, pahwaro chibvumirano inishuwarenzi iri rakapa ari rezinesi itsika.

An inishuwarenzi inogona kuva nomumwe kana seboka.

Muzviitiko pamwe MTPL uye Chikomo zvakakodzera kuva inishuwarenzi gwara, sezvakarehwa mitemo pari pakati Russian Federation.

Yokudzora zviitwa makambani inishuwarenzi mitemo FL yomusi 27.11.1992, "On bhizimisi inishuwarenzi muna Russian Federation".

Zvakakurukurwa panowanikwa insured chiitiko

Sezvo kwakaitika wongororo, MTPL FAC anoshandira kwenguva refu uye zvinobudirira. Pakati zvinotevera mitemo nemirayiro.

Panguva rokuti inishuwarenzi chibvumirano uye anenge basa mutemo pashure panowanikwa insured chiitiko anekodzero kugamuchira mubairo. Mari uye zvinofanira kuwana shoma nekambani kondirakiti mazwi.

Mushure panowanikwa insured chiitiko, kuti insured anofanira pasi nzira yakapiwa nokuda pasuru magwaro, iro rakagamuchirwa mushure nokuongorora nyaya kuripwa shoma kana kuramba.

Kambani yeinishuwarenzi anekodzero kuramba muchidimbu kana zvizere mubhadharo kana insured vaiputsa ziviso nzira, kuunganidzwa magwaro, mashoko kana zvimwe zvinhu.

The mitemo inopa kwenguva kunomhan'ara zvisarudzo zvakadaro uye dzimwe nzira pamutemo.

Nyaya pamusoro chisarudzo pamusoro kukwana kana kwakakwana kuramba ari shoma inishuwarenzi inobhadharwa pasi kutaura kuti kambani yacho inishuwarenzi kana kuteterera kudare.

Dare anogona kudzima chisarudzo kambani yacho inishuwarenzi nokuda kwokuripirwa kukwana kana zvakakwana kukundikana, kuziva kuti pamutemo. Kana dare anoita chisarudzo kubhadhara zvakakwana kana kuwedzera mari, zviri waiti ari mutongo, pashure iyo insured ane kodzero yokurayira kuti vatevedzere mari.

Reviews kambani yacho inishuwarenzi VSK

Sezvo anotsigirwa nevanhu vakawanda nezvaro, VSC musi CTP anogamuchira vakawanda kutenda.

Pane nekuipira pamatavi yebasa. Nokuda nzvimbo iri Moscow musoro hofisi negashiro magwaro ari kuitwa subsidiaries ane mberi redirection kuti nechepakati chikwata. A chisarudzo chokupedzisira pamusoro acho anotora nguva refu. Uyezve, zvose maruramiro inishuwarenzi nyaya vanobviswa matavi, asi vari munyaya nechepakati muhofisi. Vatengi havangagoni kuwana chinhu dzoga mubvunzo pamusoro inofamba zvemabhizimisi inishuwarenzi, sezvo zvinoitika mashoko kuburikidza yakareba matsamba davi romuti inishuwarenzi mumiririri nehofisi musoro kutarisira.

Dambudziko rechipiri - zvinoitika anenge ose bazi kuti mitemo pakuunganidza uye kuparadzirwa kuwana. In yezviri kwadzinoita mumadhorobha upenyu vagari Russian kushandiswa kuponesa pachako nguva yako.

All madhipatimendi makambani inishuwarenzi kukurukura nemumwe kuburikidza paIndaneti tsamba. In nzira iyi, iyo yeGmail.END_STRONG haana nzira yokuwana mamwe mashoko akawanda. Pane kudiwa kushandisa aparadzane mumwe kutungamirirwa.

Nezvayakaipira basa nechepakati raida VSK

VSK (MTPL wongororo ngaadarowo) haana kumbosiyana rinokosha unhu basa.

Nokuda womuchato magwaro kubva siyana matavi uye mapoka huru hofisi mubishi. Nezvenyaya iyi, musi-nzvimbo basa anotambura.

Maererano mutengi inofambiswa, vashandi panguva basa regai kupa mashoko chaiwo musi kugarwa pamusoro mubvunzo.

Akaona hurongwa kutyora mashoko nokuongorora mashoko pamusoro inishuwarenzi nyaya, kuripwa okuverengwa, kuongorora mafomu uye zvikumbiro. Very refu vabhadhara CTP inishuwarenzi VSK (wongororo pamusoro mamakisi ichi ikoko).

Kuti appraisers vanofanira wakawandirwa pachine inoomesera zvinodiwa motokari kuongorora.

Vakawanda kunyunyuta vomuUmambo ari kutaura kugarwa hofisi inoguma chinhu uye chakarongwa pamutemo mhinduro pasina, zvinhu kugutsikana.

zvinhu zvakanaka

Pane yakanaka inoverengeka wongororo nokuti VSK kambani inishuwarenzi yakakwana. Maererano iripo uwandu, inishuwarenzi kutaura vanenge 70 vanobvumirwa pamwe mugumisiro kugutsikana yavose vaviri, kambani yacho inishuwarenzi uye insured.

Kana pakuverenga ari kubhadhara kambani rinenge understates mari kugadziriswa uye zvikamu mitemo yayo. Izvi kunosimbiswa Company VSK wongororo. CTP (Moscow - guru tsaona guta zvinoitika chaizvo zvizhinji) uye inishuwarenzi Hull vaibhadhara dzose. Asi hazvisi chete muguta guru uye mamwe maguta zvinhu zvakafanana.

Mushure kugarwa yacho nyaya mudare iri kusvika 100% wekambani kuti nokuzvidira kubhadhara mari ngarira apore.

The kambani akavimbika mudonzvo zvakakwana nyanzvi appraisers avo rokuongorora motokari uye kukarukureta.

zvinhu zvisingafadzi

MTPL Gwaro FAC (wongororo zvinoratidza ichi) - iri imwe yenzvimbo dzine mukurumbira zvibereko kambani. Naizvozvo, nhamba kunaka wongororo munzvimbo iyi kupfuura mune dzimwe zvibvumirano.

Asi disruptions yakafanira kune pfupi yakakwirira rakawanda kuripwa pahwaro rokubva policies gwenya TPL inishuwarenzi vari mazhinji.

Pakutanga, munyika dzakawanda Russia kuti 2016 raiva rakakura chaizvo nyaya pamwe pakutengeswa mitemo inishuwarenzi. Vanhu vaifanira kunyorwa pachine (kwevhiki 2-3) kana kumira kwemazuva mumutsara kutenga mutemo CTP inishuwarenzi.

kubhadhara

Hazvina kuenderana dzose kukura mune kukosha mutemo uye hapana kuwedzera payout reshiyo nguva dzose.

The akakurumbira zvikuru kambani anova, zvikuru anowedzera mari mabasa inopiwa.

PaIndaneti yakawanda kunaka wongororo wekambani basa pamabiko magwaro kuti kunyoresa chiitiko insured. Vashandi kazhinji kuita zvakawanda zvikanganiso ruchitedzemuka, izvo zvino zvakaoma kuwana mubhadharo.

Kashoma muripo hariwanikwi pakutanga nguva raanotaura kuti kuchinjwa mari. Cash kugamuchirwa rimwe remazuva zvikuru.

About VSK MTPL wongororo zvinoratidza kuti kutenga inishuwarenzi paIndaneti kwakaoma zvisingaiti. Zvichida haana kuwanikwa kana kana iwe kuti matambudziko chete hurongwa.

inishuwarenzi upenyu uye utano

Shoma Nhamba kunaka wongororo mumunda VSK upenyu uye inishuwarenzi utano kambani. Izvi imhaka kwekugadzikana ezvinhu inishuwarenzi, muprista pamwero vachibhadhara.

Kusiyana nemamwe makambani inishuwarenzi, VSC nokuti mubhadharo mhando iyi zvinoda kushoma wakaiswa magwaro. Uyezve, hapana chikonzero kumirira kuguma kurapwa nguva, kana zviri nyore kuverenga mari. With zvokurapa zvinyorwa akakodzera achisimbisa insured chiitiko, kuti insured anogona ikwidzwe chikumbiro mari kupiwa.

Chimwe nevamwe ndinoiitawo inishuwarenzi basa boka iri kugarwa zvokurwadza - mukana pakunamata magwaro chero bazi kana weboka kambani.

Pasinei tichimhanya ichi, asi zvakaita paruzhinji mabasa ari kutengeswa mitemo inishuwarenzi uye kutungamirirwa CTP kukarukureta vachibhadhara pamusoro inishuwarenzi anoti haasi kuvandudzika.

VSK Insurance (MTPL wongororo ngaadarowo) - kunyanya nevakawanda nhasi kambani.

Ndezvipi zviyero zvinofanira kutorwa kuti uzvidzivirire kana waita yeinishuwarenzi mhosva?

• Pamugumo chibvumirano uye kutsvaka CTP inishuwarenzi gwara yakanyatsoita kuverenga magwaro.
• Ramba policies uye zvibvumirano pamberi wazvinenge.
• Kana kupedzisa chibvumirano kutora printout pakati mitemo kugamuchira muripo inishuwarenzi.
• Kukurumidza kuzivisa mumiririri panowanikwa insured chiitiko, kuchengeta rakanyorwa uchapupu ziviso kwakadaro.
• Nyatsodzidza ushandiswe nguva uye zvaidiwa mapepa kuti anotengeswa.
• Kana pasi pasuru magwaro aripe kuwana kopi nokushanda chinyorwa mabiko.
• Kuti vachengete zvose tsamba pamusoro inishuwarenzi kana vane mutumwa kambani.
• Chero zvazvingava kusvikira muripo wakazara hauna akazvimirira motokari kugadzira kana kuzvibvisa vachifarira kumapati rechitatu.
• Kana zvakakodzera kuti yakazvimirira Kukoshesa uye pasi mushumo kambani inishuwarenzi.
• Mune chiitiko chipi mubvunzo, bvunza gweta anokwanisa mumunda.

Zvokuita kana kutyora murayiro muripo?

Zvakakosha kunzwisisa kuti mitemo Russian ndiyo kodzero nokusununguka kwevagari vemo nezvombo '. Kana zvaipesana muripo nzira zvakakodzera kuenda kudare.

Sezvo tsika inoratidza hurumende kumatare pamusoro kupora kubva kambani yacho inishuwarenzi kuti abatsire vanhu uye zviri pamutemo masangano dare kunowanzoitwa kurutivi mukwiriri, kana hapana chinokosha yokutyora kwake.

Achitaura mudare, kurutivi MTPL mutengi mitemo kambani inishuwarenzi inokanganisa kwete kuwana chete, asiwo muripo, mubereko pamusoro vakakwereta mari, fines, dare mari, uye zvichingodaro. D. The mutemo unobvumidza kuti kukumbira dare, kwete chete pane uwandu muripo, asi nokuti kutyora mazwi.

Kwangotangwa mumakore achangopfuura, yakabvumira kugadziriswa kwemutemo wekuita kuti mitemo inishuwarenzi toughened, uye nokuda nemakambani inishuwarenzi kuti kukanganisa urongwa ayo akapa kwazvo mirango dziri marangirwo.

Maererano nenhamba kubudikidza inishuwarenzi Makambani ari kuRussia muna 2016, yaipedzerwa kubhadhara CTP vakawedzera makumi mana kubva muzana. Izvi akasika chaizvo munhu akaoma mamiriro ezvinhu ari pamusika inishuwarenzi. Mamwe makambani dzakamanikidzwa kurega mabasa avo zvemari. Other ndavhiyiwa kushanduka. Somuenzaniso, "Bin-inishuwarenzi" rakaitirwa batanidzo pamwe RCS. Mushure kwemapazi Clearance nzira rweinishuwarenzi anoti, zvichiita kubhadhara CTP policies, formalized panguva 2016 mu mabasa "Bin-inishuwarenzi" akaita FAC.

mhedziso

Maererano migumisiro VSK kambani inishuwarenzi maererano MTPL mitemo nokuti gore 2014-2016, ari maonero chavagari, sangano rakazvipira 6 nzvimbo iri pamusoro gumi zvikuru nevanhu insurers.

Zvisinei, kuongorora uku kuitwa maererano payout nokuda CTP Sberbank kweRussia, SSC Rating iri zvishoma yepamusoro. Pazvinhu izvi boka iri panzvimbo yechina pakati pamusoro gumi.

Izvi mifananidzo, pasinei wongororo vokuparidzira, asi vanoti pamusoro rakavimbika kambani inishuwarenzi VSK MTPL kubhadhara.

Zvakakosha kunzwisisa kuti pashure yepamusoro yebasa iri pamusika inishuwarenzi muna 2010-2012, kubva 2014, iye anoshanda ari mudambudziko muoti. Izvi hazvigoni asi kukanganisa basa nechepakati hofisi muMoscow uye mahofisi ebazi kambani yacho inishuwarenzi yose. Zvinokanganisawo kubhadhara musi MTPL FAC (wongororo pamusoro mamakisi ichi ikoko).