Kambani inishuwarenzi Very zvakanaka CTP: mazita zvinhu uye wongororo

Dambudziko wekusarudza kambani yeinishuwarenzi akatarisana zvose beginners uye vanhu vekare vakanga chiitiko akaipa kana kutenga mutemo. Kakawanda izvi imhaka tarisiro kubhadhara. Saka zvinokosha kuziva sei kusarudza zvakanaka kambani. Zvakakosha kunzwisisa sei kufunga kwete chete kuzviitira zvinhu, asiwo chaiye zvemari unongotaura. More udzamu yokusarudza inishuwarenzi kambani zvakanaka nokuda CTP, uye mimwe mhando inishuwarenzi, verenga mberi.

dambudziko

Gore negore, mamiriyoni 42 motokari varidzi wana kuita inishuwarenzi mitemo mudziyo uye mumwe miriyoni 5 - Hull. Kamwe nokuchinja zvakagadziridzwa mumutemo muna 2014, nokuti igadzirise nemakasitoma kuwana chete insurer wako. Huwandu mubhadharo kunobva mutemo wekambani. Unoziva sei kuti kambani yacho inishuwarenzi zviri nani kuti ape MTPL?

mashoko acho

A kambani yakanaka inishuwarenzi kubudikidza CTP - yakavimbika kambani kuti nokukurumidza anogona kuzadzisa ayo mitoro. Kunyange vanoshorwa insurer vanofanira kuita mari uye kuenda zvachose.

Kunzwisisa zviri akabatanidza ne kusarudza uwandu anodawo makambani mumusika. Sezvo mazana masangano kusarudza inishuwarenzi kambani zvakanaka nokuda CTP? Unogona vane yayo kuongorora ruzivo pachena anowanika re pamusoro pamutemo Websites, forum, Blogs uye network. Zvinokurudzirwa kuziva maonero ekare nemakasitoma eungano. Usakanganwa pamusoro negore kuera ose insurers.

kuunganidza mashoko

Kana totaura chiduku kana zvishoma-anozivikanwa kambani, chokutanga ndechokuti kuongorora kuti ine bhizimisi rezinesi. Makambani chete akakodzera rezinesi anogona kupa basa inishuwarenzi. MuRussia mune zvinopfuura 400, uye mumwe nomumwe wavo vakawanda nevamiririri. Register pamusoro Insurers akapa pamusoro Website pamusoro Bank of Russia pasi musika zvemari. With insurers, vakanyorwa munharaunda imwe nyika, kwete kutaura nani. Masangano More dzechokwadi kushanda makore 10 ari pamusika.

Vhoriyamu vachibhadhara

Kupararira kukuvara nokuda mari shoma nhasi kupfuura kare. Masangano All dzemaitirwe pakati mari kugadziriswa hunodiwa kuti kushandisa nzira mvumo neDare Bank of Russia. Akasiyana kunogona chete kuna nguva vachibhadhara. Saka mamiriro ezvinhu ari dzidziso. In tsika, muna 2014, insurers vakaunganidza bhiriyoni 150 rubles, uye zvawanyora vanoitirwa mabhiriyoni 90,3 chete pasinei nokuti nemurairo, munhu unofanira kuripirwa 77% of mari yakamutswa. The tsananguro iri nyore. Chekutanga, muna 2014 hakuna vabatane nzira nokuda kuziva mutengo kugadziriswa. Chechipiri, nenguva kutenga mutemo Ezvemutauro nangana mari. Insured chiitiko anogona kuitika chero nguva mune ramangwana. Saka, vakawanda premiums unganidzwa rwunotumirwa chengetedza.

zvemari kugadzikana

The sangano kukwanisa kuzadzisa ayo vaite chero mamiriro ezvinhu zvoupfumi unoratidza zvemari unongotaura. Zvinokosha zvikuru kuti kuongorora mashoko, kana tiri kutaura pamwe kwenguva refu. Kunyange kambani imwe inishuwarenzi akanaka CTP vanogona nezvinetso muripo. Chii chinofanira Ndinotsvaka?

Mvumo guta anofanira kusapfuudza shoma yakatarwa (120 MN).

Kukura yesangano iri sangano kunoratidza zvakanaka rinomutsa okukura, kunyanya kana kukaitwa tichiregeredza premiums zviunganidzwe. A kambani inishuwarenzi akanaka CTP ane yakawanda mari iripo.

Uwandu zvibvumirano vanofanira kuva mikana chete zvemari.

Inishuwarenzi reserves vasingawanzotauri pfuura mitengo. Asi kuderera simba rinomutsa - chinhu chakaipa muitiro.

Kukwirira pamwero vachibhadhara vanofanirawo kuona vangangozova vatengi. Nekuti chokwadi kuwana sangano - nayo raunganidza mubairo. imwe kambani anogona sei kuvapo kana vatengi aibhadhara mari yakawanda, pane inounganidzwa?

Makambani makuru kune dzimwe masangano uye 50% of inishuwarenzi Portfolio.

Ndizvo basa rakanaka kambani yacho inishuwarenzi (CTP).

Reviews

Mumwe hazvisi nomumwe. Kunyange pashure ongorora inofambiswa pamusoro forum, zvakaoma kuona iyo sangano - yakanakisisa kambani kubudikidza CTP inishuwarenzi. vatengi All takatarisana nezvinetso zvakafanana:

• refu nokuongorora chikumbiro (pamusoro ongororo magwaro anogona kutora mwedzi);
• kwakaderedza uwandu vachibhadhara (inishuwarenzi macheki nomumwe vose Masvomhu ose appraisers tichitaura SAR, kunoguma kukosha iri kugadziridzwa nokuda uwandu VAT dzosera, uye zvasara rinofanira rwakabhadharwa kuna yeGmail.END_STRONG).

Tenderai vatengi vakawanda kutenga imwe inishuwarenzi Mutemo muCrimea. Havasi Makambani zvose inishuwarenzi zvine mahofisi avo imomo. Naizvozvo, nokuti yokubhadhara vatengi kudzoka muna Rosgosstrakh.

inishuwarenzi zvazvingava

Low mitengo vanofanira kuona vangangozova vatengi. Nokurasa vaiita diki kana zvachose itsva makambani kuti vari kuedza kukwezva vatengi. Nzira rinoshanda chete padariro rokutanga basa. Nokufamba kwenguva, izvozvo anotarisana kusauka. Chase yakaderera mitengo iri kuita chibvumirano kwenguva refu haatombotauri musoro.

payout kana insured chiitiko rinowanikwa inobva yokufamba, kuwedzera uwandu nhau kusarudzwa nokuda nemhosva. The vakawana ukoshi iri kurairirwa kururamiswa coefficients. Kana ari CTP uyu angava zera nzvimbo mutyairi wacho dzokugara, nzira kuchengetera motokari, uchityaira ruzivo, etc. The rushoma pamusoro mutyairi uye vakuru mumotokari, chikuru ngozi kambani achafanira kufukidza. Izvi zvinozoita huchachinja chitsama romupiro. "Penny" gwara angasava kufukidza zvose ngozi. The insurer asingachengeti kuzadzisa chivimbiso. The yeGmail.END_STRONG vacharasikirwa mari uye inishuwarenzi nhau.

Kuvapo bonuses uye zvirongwa kuvimbika Kusiyana neizvi, ane kunobatsirawo mufananidzo kambani. A kambani hombe anogona kuderedza mutengo dzose vatengi.

ratings

Mune zvinzvimbo makambani vari rakava mune mapoka mashanu:

• zvikuru - kirasi A;
• munhu inogutsa azvipire ngozi - Class B;
• Low pamwero rakavimbika - Class C;
• kusauka - Class D;
• WIthdrawal of rezinesi - Class E.

The yakanakisisa makambani mamwe yakapatsanurwa mberi muzvikwata zvitatu: akasimba, zvikuru hwakavimbika uye zvikuru nesimba.

An tinyatsonzwisisa inoshandiswa haangakushi mahara. Naizvozvo, kuti zvinzvimbo harisi zvose makambani. Panguva iyoyowo, pasina kambani iri pamazita hazvirevi kuti haigoni kuvimbwa. "Folk" ratings vanoongorora quantitative zviratidzo, uye masangano - yepamusoro. Kuti zvinowana zvakawanda kana zvishoma zvakakwana kupima vanofanira kutevedzera mashoko multiple manyuko imwe pakutsanangura nguva.

Kutambudzwa kupima "Expert RA"

The Kudeuka Russian Rating sangano "Expert RA" gore negore inoitisa tsanangudzo kuongorora mabasa insurers nenzira dzakawanda. Zvose zvinhu zviri rakava maererano mwero kukosha.

External zvinhu:

• Inzwi, simba pamusoro pfuma shanduko, Nokutendeka guru, inishuwarenzi shoma;
• nzvimbo sangano iri mumusika (kubatanidzwa shamwari, mibatanidzwa, mukurumbira, muchiso, ukama nevatungamiri uye specialization);
• yemakambani Hurumende (zvinogona varidzi, pangozi zvakanaka, sangano mamiriro, kwezvivako, pachena basa);
• Geography (a tsime kunyatsobudirira bazi Network).

Inishuwarenzi mubhizimisi:

• inishuwarenzi Portfolio (diversification kuti ngozi, vanobatsirwa nenzira mhando inishuwarenzi);
• mutengi hwaro (kuvapo zvachose counterparties zvinoenderana kukanzura chibvumirano, nzira kufambiswa policies Reinsurance vakaroorana);
• Reinsurance akavhiyiwa (kuvimbika, kubudirira uye kudzivirira diversification, reinsurance pangozi, nhamba uwandu vachibhadhara kuti zvakarurama).

Financial zviratidzi vari vakaongorora kuti:

• liquidity uye solvency;
• profitability uye unprofitability;
• inivhesitimendi negwaro.

Zvakaoma kuziva boka chii yakanakisisa inishuwarenzi kubudikidza CTP. Rating kuti "yakakurumbira" vhoti anofanira kodzero iripo, kunyange zviri kuzviitira chaizvo uye kwete chinangwa. Pamusoro wongororo vanhu chaivo uye hunofanira kuona kwaiva ngano, sezvo insurer ose ane admirers ayo uye vaimupikisa. Pasinei nezvose izvi, mumwe anogona kufungidzira vakawanda mataurire nezvevakuru vatungamiri musika inishuwarenzi, kusarudza Mapoka akanakisisa inishuwarenzi pamusoro OSAGO kubhadhara.

"VTB Insurance"

Over 16 makore nezvokuvapo kweboka inishuwarenzi akavhura mapazi mumaguta 114 ose kumatunhu ari Russian Federation. Standard & Poor kuti sangano renyika basa "VTB Insurance" ndicho chikuru pakati makambani Russian yavose sezvavakatarirwa BB +. Inoshandiswa "Expert RA" muna 2015, boka rave Classified zvezvisarudzo rakavimbika. Kuwedzera mabasa inishuwarenzi motokari, kambani anopa zvakawanda zvimwe zvinogadzirwa: twa kudzivirirwa, mari uye inivhesitimendi chirongwa.

ROSGOSSTRAKH

boka The inishuwarenzi mukuru mu Russia iri kutungamirira mune Mapazi rakashama. Mune zvinzvimbo kuti "Expert RA" Rosgosstrakh ane chikuru akabhadhara premiums, reserves uye pfuma. Nepo dzimwe nzvimbo, zviitiko zvaipomerwa kunge akanyorwa apo vatengi dzakamanikidzwa kutenga policies inishuwarenzi motokari. For kutyorwa vakadaro vari sangano panguva rezinesi rokubviswa.

SOGAZ

Chimwe chikuru uye kambani inishuwarenzi yakanaka CTP ane chechipiri pakukura uwandu premiums inounganidzwa muna Russian Federation. Group mamiriro ine 9 omunharaunda uye dzimwe masangano kushumira vanhu mamiriyoni 14 uye 40 zviuru. Pamutemo masangano. The chikuru zvakanakira sangano zvinosanganisira Zvakanyanya Kunaka Panguva Yepamuviri mutengo-unhu CTP mitemo.

The mukunopera

Usati waita chisarudzo chokupedzisira, zvinokosha kushanyira mahofisi masangano akawanda kuti:

• kuongorora chechetere basa;
• chikumbiro inofungidzirwa uye enzanisa navo;
• kuongorora mamiriro chesungano.

Kambani yeinishuwarenzi akanakisisa pamusoro CTP kwete chete wasarudza mumwe mutero, asiwo hurukuro hwakadzama pamusoro dzinokosha nuances chesungano.

mhedziso

Hazvisi zvikuru zvakaoma kusarudza inishuwarenzi kambani zvakanaka nokuda CTP. Real vanhu ongororo kuzviitira uye kazhinji chokuita tarisiro dzakakura kubhadhara. "Vanhu" ari ratings uyewo regai kupa mukana wakakwana tinyatsonzwisisa mari ezvinhu. Official Mishumo vakaongorora zvakadzama ne vaongorori unyanzvi kamwe pagore. Asi kunyange wakati aunganidza mashoko ose, zvakaoma kuona inova kambani yakanakisisa inishuwarenzi kubudikidza CTP. Handiti pane zvakare chinhu kukanganisa kwevanhu, kubva izvo hapana angati.