Inishuwarenzi zvinhu ngozi

The Russian musika inishuwarenzi, pasinei vanoswerera mari dambudziko, richikura. Nyanzvi dzakawanda dziri aibvumirana dzavo mafungiro kuti mukuru anotikurudzira kuti kukura inishuwarenzi kuRussia - ndiko kutanga pakubhadhara itsva inishuwarenzi. Sezvo January 2012 muRussia pane imwe chimiro ichi inishuwarenzi - policies inishuwarenzi Ibasa varidzi venyika ngozi maindasitiri zvinhu. Tsaona Major muna 2008 - 2010, ukuwo, chokuita rinorema zvinhu uye munhu nezvinhu kumanikidzwa hurumende yeRussia kupfeka mutemo mutsva kuti inoda varidzi ngozi maindasitiri zvivako kureva kuita kwavo kumapati wechitatu chiitiko petsaona panguva yayo kugadzirwa zvivako uye dzakabatana.

Ndinofanira kubvuma kuti varidzi zhinji vakagamuchira kutanga murayiro kunaka. Chokwadi, munhu mutsva mhando inishuwarenzi akavatadzisa kutakura mamwe mutoro zvemari. Asi marangirwo nokuda kwokushayiwa anodiwa nomutemo zvakare akatanga zvakawanda: asi repamutemo Acharipa kubva 300 zviuru 500 zviuru rubles, uye vakuru maneja - kubva 15 zviuru 20 zviuru rubles.

Kuti inishuwarenzi basa Owner hazvo, pane boka chero inishuwarenzi kuti ari nhengo National Union of kuita Insurers (NSSE) uye ari marezinesi hworudzi urwu inishuwarenzi. Mari mutemo anoenderana parameters zhinji. Chekutanga - iri mhando chinhu ngozi. Somuenzaniso, mari mutemo kuti erevheta achange akasiyana mari mutemo kuti bhaira kana gasi kudya gadziriro zvavakanga vachida kuita. Munzvimbo yechipiri, zvinokosha kuziva akataura chinhu kana kwete.

Sei kuziva akataura chinhu kana kwete?

Kana muridzi chinhu ngozi ari kutenga OVOP mutemo anosungwa kuzviisa magwaro anotevera: kunyoresa kadhi, chitupa kunyoresa munhu chinhu ngozi (GCO), magwaro certifying vaiva chinhu, asi kwapera chimiro KUB (yakachengeteka chinokonzera ane). Just vanoda ruzivo pamusoro kana chinhu haanzi, kureva It akazadza kana chinhu ichi iziviso chinokosha kana kwete,. Kana pane mubvunzo Kururama magwaro, kana hapana chero ruzivo nerimwe muridzi ane mukana kutsvaka kujekesa supervisory simba - Rostekhnadzor.

Zvokuita kana chiitiko insured kunoitika?

Chokutanga, inishuwarenzi zvinhu ngozi zvainanga achidzivirira vakatambudzwa. Mune chiitiko petsaona, vakabirwa vanofanira kuziva chinhu ngozi rave insured mu kambani inishuwarenzi chero. Uye chaizvoizvo, unofanira pakarepo kukurukura kambani inishuwarenzi uye tione izvo zvinyorwa kuzviisa pasi. Panguva imwe cheteyo, hazvibviri kunonoka pakunamata nokuti kubhadhara vachaitwa mu sezvakarayirwa nokuzvininipisa mafomu. Zvinosuwisa, zvinogona kuitika kuti munhu achava ripa kukuvadza. Nekuti chimwe nechimwe chinhu ari insured kuti imwe mari inishuwarenzi, akadai mamiriyoni 10. Rubles. Mushure kambani yacho inishuwarenzi Acharipa mamiriyoni 10. Rubles, vamwe vanobatwa ucharambwa, zvavanotoziva vanofanira kushandisa zvakananga muridzi chinhu uye, kana zvakakodzera, kugadzirisa nyaya iyi kuburikidza kumatare. Nokuti mumwe inishuwarenzi kana inishuwarenzi kambani mhoswa chete kusvika pakati Verengai insured.

Kuti uwane mamwe mashoko uye kukarukureta pakati mutengo muridzi ane chinhu ngozi inishuwarenzi chezvawanyora nani kukurukura kambani inishuwarenzi. Kana kusarudza insurer kutarisa rezinesi hworudzi urwu inishuwarenzi. ruzivo urwu anogona kuwanika pamusoro Website of National Union of kuita Insurers.