Non-mureza mhando inishuwarenzi muna Russian Federation

upenyu inishuwarenzi, utano, pfuma njodzi dzakasiyana-siyana kupinda hwedu, rava chikamu choupenyu hwezuva nezuva. Munyaya ino tichashandisa kukurira zvikuru mhando inishuwarenzi, uye sarudza pakati pavo zvikuru chaizvo, asiri mureza, kujairika mhando.

The Mhando chikuru inishuwarenzi muRussia

Chekutanga zvibvumirano zvose inishuwarenzi akakamurwa 2 mhando:

• Kunodiwa. inishuwarenzi kwakadaro kumanikidza mutemo uye kuteerera zvinodiwa ayo tiwane unoenderana marangirwo. chikamu ichi zvinosanganisira MTPL inishuwarenzi kuti vanhu, MLA.
• Kwokuzvidira. chibvumirano The inishuwarenzi ndiyo chete panguva chikumbiro yacho mugari.

Ndezvipi inishuwarenzi varipo? Zvingavawo munhu kana boka, uye mutsividzo pamusoro payo - chikanyiwa Nemutengo kana ave pagore negore. By tsanangudzo, pane muripo mari prorated dzosera (chero chikamu vakabvumirana kukuvadza) uye rokutanga ngozi system (mukati yakabvuma Verengai insured kuti kukuvadza zvose akabhadhara).

Maererano nechitsauko 48 of Civil Code, mhando inishuwarenzi muna Russian Federation akakamurwa 4 Categories:

• pfuma;
• pachako;
• basa;
• mabhizimisi ngozi;
• muchiedza zvichangobva kuitika kumira panze kunyange mberi uye yakananga.

Kurukurei mhando dzose articulated.

Property inishuwarenzi

nezvemarudzi matatu inishuwarenzi inogona kunzi muchikwata ichi:

• pfuma (kusanganisira injiniya zvivako uye insured mukati mumba ..);
• Motokari (sokune yokuparadzwa zvachose uye chitarisiko maronda);
• nhumbi (panguva zvokufambisa, vachidzikisa, okuchengetera).

inishuwarenzi pachako

Chimwe ndicho mhando inishuwarenzi, uye akazadzwa muchiRussia. Izvi zvinosanganisira:

• inishuwarenzi youpenyu (kupfuura ichangopfuura iyi zvinosanganisira upenyu inishuwarenzi tinofanira kugara);
• inishuwarenzi pamusoro tsaona (kukuvara, kurwara, kufirwa nhengo kana muviri chikamu, urema, rufu);
• zvokurapa inishuwarenzi (CMI - madikanwa, yokuzvidira zvokurapa inishuwarenzi - yokuzvidira);
• Juvenile inishuwarenzi;
• pensioners inishuwarenzi (muripo ruripo chete Paaizosvika mudyandigere zera) - rokumanikidzirwa uye nokuzvidira;
• inishuwarenzi kutakura akasiyana modes pakufamba;
• Vashandi inishuwarenzi.

kuita inishuwarenzi

chikamu ichi zvikuru kunzwisisa. We nyora zvinoverengeka insurances kuti zvinosanganisira:

• wehurumende kuita chero kukuvara kumapati wechitatu;
• basa nokuti chatingatevedzera nhumbi anobudiswa;
• Kuita kuti kukundikana mitoro kuti chikwereti;
• profotvetstvennosti - nezvinokuvadza kune mushandi vatengi, vatengi;
• wehurumende kuita masangano, mabhizimisi, inomiririra tsime yakawedzera ngozi;
• vehurumende kuita of siyana vatakuri - dzomumaguta, njanji, mhepo uye mvura chokufambisa, nepasi pevhu, etc..
• CTP.

bhizimisi inishuwarenzi

Izvi zvinosanganisira inishuwarenzi:

• inopikira zvemari;
• kurasikirwa kana kukuvadzwa enzvimbo zvebhizimisi;
• upfumi;
• mukana asiri mubhadharo;
• deposits;
• ekisipoti chikwereti.

Insurance kujairika njodzi

Sezvineiwo zvakakwana, non-mureza marudzi inishuwarenzi:

• Inishuwarenzi okuvaka webasa - basa of yokuvaka;
• zvekurima;
• dzakawanda (nokuti kuwana dzoutano kiriniki munyika, uyewo vagari, kazhinji kunze);
• seboka (inishuwarenzi yakawanda vanhu vose);
• rokuremekedza (ngozi yokurasikirwa kodzero achishandisa chisarudzo dare);
• inishuwarenzi ngozi chokuita upfumi zvemari;
• political njodzi (kufurirwa zvinhu chokuita mutemo ezvinhu, kuti pachibvumirano).

Tava kutendeukira kune mumwe nyaya inishuwarenzi chaicho.

10 kujairika akasiyana inishuwarenzi

Achitaura nyika tsika dzisiri vomureza mhando inishuwarenzi - kutarisa nyika chepamusoro zvikuru kujairika Mapato rakanyorwa nomunyori Dutch kambani Hullberry Insurance:

1. Inishuwarenzi kukura huni mitengo. Nokuti 19,95 euros unogona kupinda chibvumirano yeinishuwarenzi kugovera muripo okuwedzera mari panguva kukura mutengo peturu neinopfuura 15%.
2. Slamming mukova. Inishuwarenzi pamusoro kuvhiringidzika kwakadaro kuchaita mari anenge 18 euros pagore. Pamusoro panowanikwa chiitiko insured, unogona kusimuka kusvika 100 euros.
3. Rakabayirwa erevheta. Kubva 12 kusvika 28 euros pagore ichava inokosha chibvumirano hwakadaro kambani inishuwarenzi; Muripo - 75 euros.
4. A dzakatevedzana Kukundikana rotari. Kana insured munhu akawana 52 kane mumutsetse rombo rakaipa rotari tikiti, rinogona kuwana "kunyaradzwa mubayiro" kubva insurer ake - 2500 euros. chibvumirano The inishuwarenzi achava mutengo sezvo 12-28 euros.
5. Pakatanga "chipingaidzo". Muripo kubva kambani yacho inishuwarenzi achava 500 euros kuti chete mureza 12-28 euros pagore.
6. Dzenhema mujeri. Muripo uyu zvikuru kusingafadzi mamiriro ezvinhu achava kwakafanana 500 euros. Price pangozi inishuwarenzi - 12-28 euros pagore.
7. Kusiya paartari. Kana mwenga kana kuchata insured munhu murombo vakashamiswa kushamisika "kwete", ipapo ekupedzisira vanogona kuvimba uwandu euros 100 kubva kambani yake yeinishuwarenzi.
8. Rawa pasi kuri kuitwa kamera akavanzika. Avo vanoda varege kuva chaizvo involuntary gamba ari firimu, zvinokwanisika kugumisa chibvumirano (zvakare 12-28 euros pagore), apo unogona kuvimba muripo kubva 1,000 euros.
9. mwana mumwe wacho. Kana munhu asina zvachose kuvimba hafu yangu nani, uye DNA nemiedzo Yakatsigira ake, agamuchire sezvo muripo kubva insurer 500 euros.
10. Kutapa extraterrestrial venyama. Compensating chakadaro wokumwe uye rinoshamisa chiitiko richava 5000 euros. Panguva iyoyowo rimwe zvemupiro chibvumirano - urongwa magwaro akakodzera kubva vanachiremba uye mhepo uye nzvimbo nemauto.

Non-mureza mhando inishuwarenzi muRussia

Zvino ngationei muchikwata zvisingatarisirwi inishuwarenzi munyika yedu:

• Insurance mhuka. Friars Minor inogona insured pamusoro kuparadzwa, kuba, kuponda. The insured anofanira utano uye vakanyorwa kuvatarisira, vane majekiseni zvakafanira kunge kanenge 3 months uye kwete vanopfuura makore 12 - katsi, 9 namakore - imbwa.
• Inishuwarenzi pamusoro maindasitiri vasori. Inishuwarenzi nechibvumirano vanamuzvinabhizimisi vanotya mhosva mabasa vashandi vavo - mufananidzo isiri vomureza inishuwarenzi muRussia.
• Inishuwarenzi pakugumburwa yake meteorite. Kudzvanya kwakadai inishuwarenzi vakatanga pashure pechiitiko pana kuChelyabinsk muna February 2013.
• Inishuwarenzi pamusoro migumisiro gupa nokuruma. chibvumirano The inishuwarenzi zvinosanganisira muripo nokuda kubviswa pakutsvakurudza mhuka pamusoro chigaro chinotakurwa nemavhairasi ngozi, mishonga, zvinodhaka zvekushandisa.
• Inishuwarenzi Gwaro "Wedding". chibvumirano ichi insures pamusoro Muzviitiko zvakawanda: mamiriro okunze akaipa, kungoerekana chirwere, kuchata, mifananidzo anokundikana kuoneka, mutyairi, toastmaster, uye dzimwe akakodzera masangano, etc ...
• Inishuwarenzi pamusoro nengozi dzisiri yekubva kunze. Nokuti vanotya kuti zvashata ezvinhu - chirwere chakakomba, dare, kunonoka vhiza - zvinogona kukanganisa rwendo inokosha, asiri mwero mhando inishuwarenzi kuchatibatsira chaizvo.
• Inishuwarenzi pamusoro kudzingwa. Munguva dzenhamo munyika yedu, inishuwarenzi yakadaro akakodzera chaizvo - kunyanya vanhu nokubhadhara zvikwereti kwenguva refu, uye pamahombekombe achivaratidza zvikwereti izvi.

The chikuru marudzi chinyakare pamusoro inishuwarenzi muRussia uye munyika vari kuramba awedzera tsika dzakananga. Vamwe vavo sevasina basa uye hazvidaviriki, uye vamwe zvikuru kufungawo chaizvoizvo nhoroondo yanhasi.