"Ingosstrakh", CTP. Comments pamusoro kambani

Inishuwarenzi - chinhu chinokosha muupenyu ano. Munhu wese anoda kuwana inofara uye yakachengeteka kuvapo, apo ndine vimbiso zvemari pachinhu chero chinhu hwake. Ndokusaka zvino vanhu vakawanda vanosarudza kugara murima, uye kuonana kambani inishuwarenzi. Ungazviita sei? Wasvika kwako kambani akasarudzwa, sarudza yeinishuwarenzi gwara, kureva, chii Muupenyu hwako uye zvakadini uchida inishuwarenzi. Uye zvino mwedzi wose here kubhadhara imwe mari, izvo akatumira inishuwarenzi Fund wako. Uye kana chimwe chinhu chinoitika mukati kuti zvatinoita kuti iwe insured, kambani yacho inishuwarenzi kuchazadza ose mari chokuita liquidation migumisiro chiitiko ichi. Chii chaungaita iwe inishuwarenzi? Pfungwa, zvose. Unogona inishuwarenzi noupenyu uye utano, unogona inishuwarenzi misha yavo, avo mari, uye zvichingodaro. Chimwe chaizvo nevakawanda munyika ano nyika Inishuwarenzi - zviri inishuwarenzi repair. Sezvo dzimwe nzvimbo, pane zvakasiyana-siyana policies, chimwe nechimwe anosarudzwa kuti mumwe yeGmail.END_STRONG nomumwe ari inishuwarenzi motokari. Asi apo kuenda inishuwarenzi motokari yako? Uye chii zvokuzvivaraidza inishuwarenzi varipo? Izvi ndizvo zvichakurukurwa munyaya ino.

On mundima Russian Federation kune masangano zvakakwana anogona inishuwarenzi iwe, asi zvakanaka ndiye "Ingosstrakh". CTP, wongororo izvo unogona kuverenga yechipiri yezana nyaya, mumwe anokosha mitemo neipi muchairi. Ndizvo nezvazvo, uchadzidza zvakawanda kudzokorora. Sezvingatarisirwa, zvichava zvakanaka inishuwarenzi motokari zvavo, kuti unofanira kuchengetedzwa uye kuti achakupa, uye "Ingosstrakh" kuti kambani: CTP, wongororo pamusoro basa, kukwezva inopa uye zvichingodaro.

"Ingosstrakh" kambani

Saka, kutanga tinofanira kutaura zvishoma pamusoro kambani kuti achakupa basa. Kana totaura inishuwarenzi motokari, unofanira bhuku achine CTP "Ingosstrakh". Reviews vemabhizimisi paIndaneti zvinowanikwa kakawanda akanaka, asi zvino inoita njere kutaura nezvazvo - zvakawanda User wongororo ichakurukurwa pashure. Zvino kuteerera kambani pacharo, uyewo kuti nei uchifanira kusarudza "Ingosstrakh"? Chokutanga zvinokosha kuziva kuti kambani ndechimwe yakanakisisa kuzivikanwa uye vaivimba munharaunda yacho Russian Federation. Mahofisi Kambani inogona kuwanikwa mumaguta akawanda munyika, uye ipapo iwe uchagara uchifarira kubatsira. Ko "Ingosstrakh"? Sezvinotarisirwa, inishuwarenzi, asi nevamwe chikabviswa ndiye multi-mugero - pano unogona inishuwarenzi kwete chete motokari yako, asi pfuma, imba, rwendo rwavo kune imwe nyika, vana vavo, uye zvakawanda. Akapiwa chokwadi kuti munyaya ino ichakurukurwa kunyanya inishuwarenzi motokari, unofanira kuisa pfungwa imwe kambani basa "Ingosstrakh" - CTP. Mhinduro nezvazvo uchawana yechipiri yezana nyaya - kwavo maererano nyore nguva dzose kuti vafunga pamusoro imwe basa. Panguva ino, vanofanira kutiudza zvakawanda pane motokari inishuwarenzi vakawanda uye chidimbu CTP.

Auto Insurance

inishuwarenzi Car ari nyore kunzwisiswa nezita raro, hwakabatana zvakananga chete michina, zvose pamwe mutakurwi chokufambisa uye nhumbi. Sezvingatarisirwa, chinangwa chikuru inishuwarenzi car - ndiko kubatsira inishuwarenzi iri zvinoitirwawo mutsaona yemotokari motokari. Asi chaizvoizvo zvinhu hazvisi nyore - kune mhando akasiyana inishuwarenzi auto, izvo zvinosanganisira zvose utano hwavo pachavo uye dzavo motokari, uye utano uye motokari yavose rechitatu. Kuti tinzwisise izvi zvirinani, uye iwe unofanira kuverenga nyaya ino - uchanzwisisa nei uchifanira kuva MTPL mutemo (uyewo chero inozowana motokari inishuwarenzi unoda zvakawanda).

Chii CTP?

Kana boka "Ingosstrakh" akaongororazve MTPL dzinowanzova chaizvo, asi kwete vose kunyange kufungidzira kuti chii ichi mhando inishuwarenzi. Ndokusaka unofanira kupindura zvino mubvunzo kuti nei munhu ane motokari, unofanira inishuwarenzi Rokumanikidzwa. Saka, kutanga unofanira kuteerera chokwadi kuti ichi mhando inishuwarenzi hairevi motokari yako, utano hwako kana hwako pfuma. CTP anomirira fanira motokari kuita inishuwarenzi. Saka, muridzi ose motokari anosungirwa kuti ape mutemo. Kazhinji, inishuwarenzi ndiko yokuzvidira, kureva, mumwe munhu asarudza inishuwarenzi yake youpenyu uye chii chaicho uwandu. Asi zvakaitika CTP zvose zvakasiyana, nekuti mutemo uyu kunokosha. Asi chepiri zviri inishuwarenzi kuti anotaura zvakananga wako vehurumende kuita, ndiko kuti, anoita iwe kana uchityaira kufungawo zvose zviri kuitika kumativi iwe. Asi kwete pachena zvakare? Muchiitiko ichi munofanira kutarisa kunyatsotevera uye zvakajeka kuti nei uchifanira kuva MTPL nehurumende. "Ingosstrakh", wongororo izvo unogona kuverenga Papera chinguva, unogona lucidly kutsanangura zvose, asi chikuru mashoko zvichakurukurwa munyaya.

Ko sei uchifanira MTPL urongwa?

Kana iwe zvakanyatsonanga mashoko pamusoro kambani "Ingosstrakh" MTPL wongororo, iwe uchava ukasangana kakawanda, sezvo mutemo uyu ndechimwe kudiwa. Asi chii? Nei zvakananga zvinodiwa? Saka, kana isu kutaura mashoko nyore, mutemo uyu inishuwarenzi, unofanira kuti kwete dzosera muhomwe zvinoparadza raizoparidzwa akaita kumapati wechitatu tsaona umo mhosva yako nekusimba. Sezvingatarisirwa, chiitiko ichi chinofanira kuva motokari uye zvinosanganisira motokari yako. Ndezvipi kukuvara inotaurwa mutemo uyu? Chekutanga, ndiye kukuvadza kuti zvakakonzera kuti pfuma kumapati rechitatu. Chechipiri, ndiwo kukuvadza kuti zvakakonzera kuti utano nemapoka rechitatu. Saka, zvose zviri kushanda kuna kana uri mutyairi uye akakonzera tsaona yemotokari. Sezvingatarisirwa, kukuvara kunogona zvikuru guru, vanhu vakawanda kudaro vari kutanga kufarira chii kukura vachibhadhara pamusoro inishuwarenzi itsika. Izvi ndizvo huchakurukurwa.

MTPL urongwa kubhadhara

Kana iwe nevanhu "Ingosstrakh" kambani, mashoko kubhadhara kakawanda vachava zvakanaka - vanhu nokukurumidza uye wakasununguka nayo matambudziko avo, anenge asina kuita chinhu nesimba. Asi pane chimwe chinhu kuti muridzi ose motokari unofanira kujekesa usati tongai inishuwarenzi negwaro CTP - ndiko kukura vachibhadhara pamusoro payo. Kusvikira 2014, pane zvakanga yakaderera payout zvazvingava, iyo akaita kunyoresa chezvawanyora zvikuru disadvantageous. Somuenzaniso, muripo kuti kukuvadza mumwe akuvara, akapiwa 140 zviuru rubles, uye kuti zviripe zvakakanganiswa vanoverengeka vakaurayiwa - zviuru chete 160 rubles. Sezvineiwo, muna 2014 CTP renegotiated, uye makambani inishuwarenzi zvaidiwa kuwedzera kukura vachibhadhara. Uye zvino mumwe akuvara bato yechitatu inobhadharwa 400 zviuru rubles Russian. Kana kukuvadza utano kumapati rechitatu, pano hurongwa zvikuru kunzwisisa. Vasati 2015, 160 zviuru rubles wakapiwa kuripira zvakananga akuvara munyaya mugwagwa mutsaona yomumugwagwa, 135 zviuru rubles muripo kuna vanhu kupiwa nayo iri chiitiko rufu rechipfuwo, uyewo 25 zviuru rubles kuronga mariro wemunhu. Muna 2015 kubhadhara kunge rakadzokororwa, uye kubvira ipapo 500 zviuru rubles Russian vari dzinounzwa muripo zvakaipa zvichiguma kukuvara zvakananga, 475 zviuru rubles dzinounzwa kuna munhu anoyamurika kubhadhara, izvo yakataurwa akakodzera nyaya murayiro (pane kese kupendwa zviso yakawanda, vakanga kare chete vakaburukira boka kodzero muripo kana rufu rechipfuwo), uyewo zvose zvakafanana 25 zviuru rubles yemariro. Zvakanaka, zvino munoziva zvose zvaunoda pamusoro vachibhadhara kuti vanofanira kutakura kambani yeinishuwarenzi, uyewo kunzwisisa kukosha CTP. Asi zvino mubvunzo unomuka, uye chii pamusoro yako motokari. Achaita MTPL Gwaro kudzikamisa zvaparadzwa, zvichiguma mutsaona yomumugwagwa?

Insurance pachavo motokari

Kana uchida inishuwarenzi motokari chinhu hwavo, zvichabatsira kambani yacho inishuwarenzi "Ingosstrakh". Reviews pamusoro CTP akawana chakazonaka, saka unogona norugare zvipe unyanzvi. Asi CTP - haisi chete inishuwarenzi motokari, yaunofanira kufunga. Chokwadi chokuti hapana kufukidza zvaparadzwa, izvo achagamuchira motokari yako. Under mutemo rokubva injini TPL inishuwarenzi kubhadhara vanogona chete kuwana pati wechitatu vakava munyaya mutsaona yomumugwagwa. Kana usiri munhu pati wechitatu, kureva, motokari yako yave kuzivikanwa nokuda Muvambi kana originators kuti panowanikwa mumwe mutsaona yomumugwagwa, kuti CTP inishuwarenzi mutemo havasi kufukidza kugadziriswa yenyu motokari mari. Zvokuita? Unofanira kutarisa kunyatsoongorora nyaya inishuwarenzi motokari, kana chemhosva kugadziriswa mari motokari yako, munhu mutsaona yomumugwagwa woga mhosva, unofanira uswedere akasiyana zvachose mutemo, ainzi Hull. Zvisinei, mutemo uyu haasi mukuru nyaya ino, kuitira kuti chokwadi waro kuvapo uye chinangwa chayo - ndiko zvose kuti Parizvino kuziva nezvazvo.

Electronic negwaro

Kufunga kuti chaizvo nokukurumidza ndiko kukura zvigadzirwa zvemazuva ano, kugadzira chinhu inishuwarenzi achangobva kuva nyore zvikuru. Tiri kutaura e-CTP, kureva kuti, yemagetsi inishuwarenzi itsika. Zvadaro, kana yakabvumira kugadziriswa kwemutemo wekuita dzakaitwa muna vachibhadhara iri zvinoitirwawo kuvadza utano kana upenyu yavose rechitatu, yava vakasuma wemagetsi hurongwa kunyoresa mitemo inishuwarenzi. Makambani Most inishuwarenzi ikozvino une mapeji dzavo dzebasa paIndaneti dzinokosha hurongwa kuti kubvumira motokari kuti inishuwarenzi kunyaradzwa kumba kwako. Chokwadi, ari mumwe aitungamirira inishuwarenzi makambani ari Russian Federation, gadziriro akasuma uye boka racho inishuwarenzi "Ingosstrakh". Reviews pamusoro CTP, magadzirirwe online, zvakare akanaka chaizvo. Zvisinei, zvinofanira kucherechedzwa kuti electronic kugadzirwa mutemo haangavi zvinogoneka kana usina insured motokari yako. Chokwadi chokuti hurongwa anopiwa mashoko inokosha iri SAR, uye kana usina vakapfuura nzira rweinishuwarenzi motokari muhofisi, ipapo mashoko enyu Database hakusi mashoko. Iri drawback duku, izvo, zvinonzi netariro, zvichava kugadziriswa mune ramangwana. Kudai insured kare, unofanira kungoti mafomu zvakafanira siyana, uye imi makakohwa e-mail magwaro kuti vave yakaenzana kuti "pepa" simbiso kuti mazvigamuchira kare.

Wongororo

Zvakanaka, inguva kutarisa chii vatyairi yose Russian Federation, kutaura pamusoro kambani "Ingosstrakh" - MTPL wongororo. Moscow - ndiyo imwe huru munzvimbo anoyevedza pamasikiro zvibvumirano inishuwarenzi. Uye kubva ipapo anouya ruzhinji wongororo uye kuti ndiko zvinenge zvose akanaka. Chii chaizvo anorumbidzwa vatyairi kuita kunze Mutemo insurer ichi? Ndezvipi wongororo kuti "Ingosstrakh" kambani? Rokumanikidzirwa - ndiwo mutemo kuti ane hanya nomumwe muridzi mumotokari, saka nezvazvo uye kunyora zvikuru. Uye akawandisa vanhu wongororo yavo zvakanyorwa okupedzisira maviri apfuura, cherechedza zvivanakire kushanda mutemo paIndaneti. The nzira iri kutsanya uye nyore, asi maitiro unoshanda zvakanaka uye kwazvo sezvaidiwa. No pokumbononotswa kuitika, mutemo anotora pave zuva rimwe pashure iwe kuti muripo. Uyewo, vanhu vanozviona dzimwe kubatsira kambani, akadai mwero muripo pasi inishuwarenzi mutemo, kukura vachibhadhara, uyewo unhu mudonzvo basa. Sezvaunogona kuona, kudzokorora kukanganisa zvose zvinoumba boka, kusanganisira e-CTP "Ingosstrakh". Reviews Zvechokwadi, handizvo chete akanaka - zvinokwanisika kuwana uye nepfungwa. Kazhinji vanenge vasara kuvagari kumatunhu, asi tinogona zvakachengeteka kutaura kuti kambani, izvo inorangarira zvachose vose wongororo - "Ingosstrakh". CTP, Kazan ndiyo nzvimbo chiito kana Moscow, anogara panzvimbo yokutanga nyaya, saka mudonzvo vari kuedza kubatsira vose vanogara guru, uyewo vamiririri maguta maduku nemisha.

kunaka Wongororo

Kana nepfungwa chokuita nekambani uye mabasa ayo, ivo vachasangana pamukova magwanza Indaneti iri zvakasiyana-siyana zvokushandisa. Somuenzaniso, rimwe remaguta, apo kumiririrwa kwavo "Ingosstrakh" - Nizhny Novgorod. Reviews (MTPL uye dzimwe mhando inishuwarenzi) angava akasiyana, uye vamwe Novgorod anyore zvakanaka review, uye mumwewo - kunaka. Zviri kunzwisisa nhandare pamusoro muya zvakanyorwa kunyunyuta? On kunyatsoongorora zvinova pachena kuti vakawanda wongororo akanyorerwa matauriro asina kunaka kubva chokwadi kuti inodzidzisa haana kunzwisisa zvakanaka nemagwaro uye mitemo. Somuenzaniso, mune rimwe mapazi "Ingosstrakh" (Ekaterinburg) nokuti CTP kunaka wongororo akauya nokuti motokari varidzi regai kuuya pakugumisa tsaona kuhofisi iri nguva. Asi panguva imwecheteyo tinoda kubhadharwa ari motokari igadziridzwe Hull. Kufanana Hull, mumwe mukuru specializations kuti "Ingosstrakh" kambani - CTP. Customer ongororo zvakare kuuya uye design - somuenzaniso, mumwe motokari varidzi vangada kupinda nechibvumirano pakati inishuwarenzi mumwe mutyairi panyaya yokukurumidzira, asi kambani anogona crank kubva chiito chakadaro chete mukati mwedzi mumwe. Zvaizoratidza sokuti kupinda imwe duku, akadai cheki diki - uye zvose, asi kambani havagoni kupa basa iri, saka mashoko aya ari hwaro zvakakwana akaipa wongororo. Negative sezvo mune boka "Ingosstrakh" akaongororazve MTPL kubhadhara - vanhu vanotsutsumwa kuti mafomu avo kupatsanurwa yakarebesa, zvichiita kuti zviome kushandisa motokari, asi kazhinji anoenderana nzvimbo kambani. Asi zvinokosha kuziva kuti mashoko ose akaongororwa nevanhu vamiririri boka uye mumwe User anogamuchira hwakadzama mhinduro, iro rinojekesa zvose dambudziko.

zvakawanikwa

Chii mhedziso chatingawana zvose mashoko aya? Pasinei dhipatimendi yauri kushandisa - muMoscow, kana kana "Ingosstrakh" -Voronezh, wongororo (CTP hanya pakutanga) achakuudza kuti basa anopiwa chete mukuru chechetere. Chokwadi, pane kufara, asi kana uchitarisa wongororo pamusoro CTP nevamwe makambani inishuwarenzi, uchaona kuti akaipa, uye nguva dzose uchava.