Insured chiitiko - chiitiko ichi kunoitika, akapa nokuti chibvumirano

MuRussia, pane inishuwarenzi makambani akawanda kupa minamato yavo veruzhinji. Nyaya iri mubvunzo kuti chiitiko inishuwarenzi - zvaitika chiitiko, zvichiratidza munhu akavimbisa kuripwa insured maererano nomutemo.

mhando inishuwarenzi

Relationships kuti kudzivirira kodzero vanhu uye zviri pamutemo masangano, nyaya RF nemasangano matunhu neminisiparati kana zvimwe zvisingafadzi zviitiko chibvumirano nokuda mari mari yakawanikwa kubva mipiro inobhadharwa insurers kana zvimwe vamwe nzira, rinonzi inishuwarenzi. Hazvina tingasarudza uye nokuzvidira.

Species:

• Private - zvokurapa (utano, tsaona) uye pensions. On hwaro ichi isu pakuva zvakawanda zvinogadzirwa siyana.
• Civil kuita (kukuvadza utano kana pfuma vemapato rechitatu - mabhizimisi kana vagari).
• Property (zvinhu, chero nzira yokufambisa, zvemari njodzi).
• Reinsurance - noukama ezvinhu, zvinosanganisira kuchinjwa basa kubva mumwe munhu kune imwe kambani yeinishuwarenzi.

The ukama pakati insurer uye insured

Ko inishuwarenzi nyaya, chero uchinzwa chiitiko? Mutsara uyu chinofanira yakajekeswa pamusaka zvimwe zvinhu pamusoro chibvumirano, izvo zvinofanira zvakajeka chinyatsotsanangurwa mabasa mapato.

Pasi mitemo, inishuwarenzi nyaya - hazvina chero mamiriro ezvinhu zvakaitika kubvira akuvara bato uye chiitiko kunoitika, iri zvachose ngadzirambe dziri tichitarisa kondirakiti.

Insurers - mari, kupa rubatsiro kudzivirira kodzero mawadhi dzavo uye kufunga kuchengeteka nokuda kwokuripirwa mari yakawanda pamusoro panowanikwa zviitiko zvisingafanoonekwi, sezvairayirwa akapedzisa zvibvumirwano pakati mapato.

Insurers - ndiye munhu (munhu kana kambani) vanobhadhara premiums uye kuripwa pamusoro panowanikwa siyana nemigumisiro, nezvaro kondirakiti.

Chii chinorehwa Muzviitiko inishuwarenzi

Inishuwarenzi chiitiko - kunosimbiswazve nemashoko chokwadi kuti kuvadza insured munhu somugumisiro iyo insurer maererano nomutemo uye chibvumirano chibvumirano akapedzisa, ndichaporeswa vanosungirwa kudzorera.

Chiitiko insured ndiko:

• Kutanga chirwere panguva utano inishuwarenzi yacho.
• The tsaona, kwakaitika neVadzidzi motokari mutsaona yomumugwagwa.
• Kuba uye moto pfuma.
• Bankruptcy.
• Njodzi dzinongoitika dzoga (mafashamo, madutu, madutu).

Mhando ava chikonzero chete kana vari raanotaura mari chibvumirano, izvo waiti insured chiitiko - kurwisa rwakashata ezvinhu inofanira kushanda kuti insurer. Achaita kumbirai appraiser uye ndicharizivisa muripo nokuda chakakonzerwa namaneja varasikirwa.

Pari zvino pane makambani akawanda kuti yabatanidza nzvimbo yavo vakasimba musika inishuwarenzi. Rimwe zvikuru - "SOGAZ" Rosgosstrakh "," Ingosstrakh "," Harmony "," sungano "," RESO-Garantia "," Alfa Insurance "," SSC "," VTB Insurance "uye" Insurance Group MSK ". Mari vane mukurumbira akanaka, aiva reserves uye vakagadzirira kupa vatengi ayo akasiyana-siyana zvinobatsira zvigadzirwa.