"Companion" (inkampani ye-inshorensi): mvume irhoxiswe. Yintoni ukwenza ntoni? ukuya phi?

Namhlanje kwiindaba ngakumbi kwaye kaninzi ungabona inkcazelo kwenye inkampani yeinshorensi ezilahlekileyo abaninilo mvume kunye nemoto abo nabathengi abazi ukuba benze ntoni na nezibonda zabo. Abanye bakholelwa ukuba akunakwenzeka ukufumana inyaniso uze utyalo-mali ingenjalo. Abanye baye enkundleni yaye kukholelwa ukuba umthetho elungiselelwe ezo meko yaye, ngokunjalo, iindlela lokusombulula iimbambano ezinjalo.

Ukuza kuthi ga ngoku, inkampani yeinshorensi "Companion" mvume irhoxiswe. Ntoni abo kubaxhasi yalo mbutho? Indlela ukwazi kwangaphambili ukuba UK angalahlekelwa ilayisenisi yayo? Ingaba kukho ithuba ukubuyisela imali? Qwalasela yonke into ukuze.

Ziziphi iinkampani ngokuqhelekileyo kuwa stop-uluhlu Central Bank ibe

Central Bank sele ivaliwe iinkampani malunga 31 no-inshorensi zabucala 17. amanyathelo athathwe nxamnye mveliso angaphumeleliyo ukungqinelana neemfuno ezingummiselo ze-Central Bank malunga uzinzo lwemali yokuhlawula amatyala lo mbutho. Ngoko ke, ukuba inkampani akazange ukuqinisekisa imeko yabo yemali, SC enjalo - yimali, ngokulandelelana, nanzo bangena stop-luhlu yaye ingasakwazi ukwenza imisebenzi yabo kwi-inshorensi zokuhlala.

Lidla balahlekelwe ofisi zabo mvume ezinika Central Bank of data ukungathembeki kwiingxelo zemali. Ngokuqhelekileyo oku kwenziwa ukuze kwenziwe oovimba-inshorensi. Noko ke, izindululo alawulayo ngaphandle kokuthatha ingqalelo yokuba, leyo, lityala entle kakhulu.

Ngokutsho kwimimiselo iqela inshorensi "Companion" uphulukene ilayisenisi yaso kwaye betha i stop-uluhlu Juni 3, 2015.

Ngenxa yoko into eyenzekayo sokuchitha ilayisensi

Kufuneka ngoko nangoko wathi nokupheliswa komsebenzi yenkampani inokuba ngenxa ubunzima izizathu. Kukho iimeko xa Central Bank ithumela ukufikelela kwiimfuneko ngumbutho, kodwa ufumana nto imbuyekezo. Lo uphawu lokuqala imisebenzi zenkampani zenziwa ngendlela eyiyo. Kakade ke, ngoko ukuqala uvavanyo jikelele, ngexesha apho ukunyhashwa ezichongiweyo.

Kuyimfuneko ukuba baqonde ukuba ukurhoxiswa kwelayisenisi - yinto ngokugqithiseleyo ukuba babhenela kuphela apho inshorensi khange aphendule kwezinye iindlela yentsebenziswano.

Ukongeza apha, kubalulekile ukuqwalasela ukuba athini, ukuba UK "Companion" na zawa olungachanekanga. Ukususela kulo mzekelo, akukho ingxaki xa abathengi iinkonzo inshorensi ayizukubakho.

ungonakala

Ukuba le ndlela yokulinganisa zothintelo, onke amaxhoba baqinisekiswa lamalungelo iye isetyenziswe ngokunxulumene insurer.

Ubukhulu becala, yimali yinkqubo efunekayo ukuze ukuphunyezwa kwe-asethi UK. Amalungiselelo alolu zivumela iinkampani ukuba athengise impahla ukubuyisa umonakalo woniweyo, oko kukuthi, abaqhubi kunye namanye amatyala.

amatyala Financial kwenkampani kwaba enkundleni. Kulo mzekelo, umqalisi inokufana nomnini wenkampani ngokwawo, kunye nabathengi ungonelisekanga.

Imbali inkampani "Companion"

Njengoko iziganeko zenzeka 2015 naphambi. inkampani yeinshorensi "Companion" LLC yavulwa emva ngo-1998 phantsi kwegama "Srednevolzhskaya zothutho SK". Noko ke, emva kweminyaka emi-6, ulawulo wagqiba ukuthiya ngokutsha umbutho "Det".

Ukususela ngosuku lokuqala lomsebenzi, utshintsho esisigxina lwezakhiwo iqatshelwe nkampani. Ukuze oku khange sijike abathengi, inshorensi baye bagqiba ukuphinda-brand kunye nenkampani kwakhona igama kwiqela inshorensi "Companion" ngo-2007.

Ukususela ngelo xesha, i-UK iye luyakhuthazwa kwaye pretty ngokukhawuleza waba yinkokheli kwi MTPL kunye CASCO yokuthengisa. Ngo-2013, i "Companion" wada wangena nokurhafiswa insurer zinkulu Russian.

Ezo Ukwanda izikhundla kwabangelwa kungekuphela kwiintengiso nkqubo inshorensi abaqhubi beemoto zabucala. Le nkampani ngenkuthalo iinkonzo kumaqumrhu asemthethweni. Iyonke eRashiya yavulwa 401 ofisi yenkampani.

It elisembindini inkampani yeinshorensi "Companion" kule dilesi: Samara, ul. Gagarin d. 141A, kunye nexesha abaxhasi yokuqala shiya ofisi ngempendulo esihle kakhulu. Ngenxa kwiimeko ezifanelekileyo kwinkampani ye-inshorensi wakwazi ukufumana abaxhasi omkhulu ngaloo mvuzwana engange-6.7 billion ngo-2013. Esi sixa-87% ngaphezulu kwe ngengeniso i-UK ngo-2012.

Ekupheleni kuka-2013 "Companion" sele ifakiwe kule PCA yaye lilungu Unxulumano ezahlukeneyo inshorensi. Ngenxa ingeniso ukwanda kwenzeka ukuba aqhube umsebenzi ndlongondlongo ngakumbi yentengiso, yaye oku bazuza inkampani.

Noko ke, ngo-Apreli 2015, inkampani yeinshorensi "Companion" uvaliwe ngenxa yezizathu ezithile. umzonde abathengi inkampani ikhwelo kwi nombolo yefowuni, kodwa ayisebenzi.

Kungani yavalwa

Njengoko kuchaziwe ngaphambili, "khangela," kwathiwa igama. Kude kube ngoku, akukho mntu waziyo ukuba kwakunxibelelene a rebranding. Noko ke, mhlawumbi, abanini "khangela," wathi ayinamali, emva koko nako ukungena kwakhona kumanqwanqwa emakethe nge "imfiliba 'igama.

Nangona zonke izixhobo zayo, ulawulo "Companion" akazange akwazi ukuzalisekisa zonke iimfuno eyimfuneko Central Bank, kunye isiphumo ukuba malunga nkampani lamkele isohlwayo ezinzima - ukuhluthwa-mvume. Isizathu soku yaba nohlolo ezininzi ezimbi kubaxhasi nkampani leyo. Abanini Car bakhalaza ukuba inshorensi ayihlawuli imali kwaye uyala ukuthatha ingqalelo iingxelo zoluntu kunye nezivumelwano.

kumangala

Ekuqaleni, phantsi isigqibo yoLamlo iNkundla kweNqila Samara, inkampani kwathiwa yimali. Kwiinyanga ezi-6 yempahla ofisi makuthengiswe ukuze kuzuze abanini imoto abangazange bafumane imali yabo.

Noko ke, ukuhlaziywa ezingakhiyo izikhalazo ezivela kubathengi baye bakhonza umfutho imisebenzi kakhulu ngakumbi uvavanyo IC. Uhlolo wasilela ukutyhila izenzo zolwaphulo ngakwicala abaphathi yenkampani. Kakade ke, emva koko, isigaba entsha ukumangalelana. Ukuza kuthi ga ngoku, inkampani yeinshorensi "Companion" mvume irhoxiswe. Ntoni abo babandezeleka kwizenzo zolwaphulo le mbutho?

Indlela ukuba ahlawule umonakalo CTP

Namhlanje, kwizixeko ezininzi Russian Federation kusekho inani elikhulu customers esandleni sikabani. Abanini Car abachatshazelwa yi sisenzo, awukwazi ukufumana imbuyekezo. Abaninzi bamangaliswa kukufumanisa ukuba inkampani ye-inshorensi "Companion" mvume irhoxiswe. Kufuneka wenze ntoni kwimeko enjalo, sihlolisise.

Ukuba inkampani iye ubuyise ilayisenisi yakhe, ngoko ekuphela kwendlela eya ukufumana imali - ukuba ndibhenele a eligunya. Kwakhona kuyimfuneko ukulungisa ibango pre-kwetyala, a yomzekelo we enokufumaneka mhlawumbi kwindawo yonyango, okanye RSA (Russian Union of abanini Car). Umbutho kuyafana acacise ukuba inkampani yeinshorensi umnakekeli mvume okanye kwathiwa yimali.

Xa ukuyila esivumelwaneni ithi ukuba umnini imoto wambuza ukuba abuyele nxenye ingasetyenziswanga ipremiyamu. Kuyimfuneko kwakhona ukuqwalasela ukuba ixesha ibango malunga 2 iminyaka. Ngoko kuyimfuneko ukuba Khawulezisa ukuba ukulibazisa isicombululo kule ngxaki.

Ulandelelwano eyiyo yezenzo ngolu hlobo lulandelayo:

• Iqulunqwe ibango pre-kwetyala, a yomzekelo we apho kunokubonwa kweli nqaku okanye cela kwi-SAR. Eli phepha (kufuneka sibonise-akhawunti yebhanki umnini wesithuthi ye-ukuba imali kufuneka idluliselwe) kufuneka zithunyelwe ngqo kwinkonzo ye-inshorensi.
• Emva kokuba ulawulo yenkampani akaziphenduli yebango, ibango yenziwe, nto leyo idluliselwe kwigunya kwezomthetho.

CASCO

Kuba kokupheliswa kwesivumelwano se-inshorensi uhlobo transaction ngokuzithandela kufuneka isicelo kuqala kumabango ezizodwa isebe zokuhlala, oko ke kumele kuzo zonke umbutho enikezela iinkonzo ezifanayo. Ukuze wenze oku, unako ukuthumela ileta eya kwi-ofisi eyintloko uze ucele imbuyekezo ngenxa yomonakalo.

Ukuba akukho senzo yi-UK kungenzeki, ngoko simele senze kwi algorithm efanayo kwimeko CTP.

Ngaba kunokwenzeka ukuba abuyele imali

Ngokutsho komthetho, umthengi unelungelo lokuphelisa isivumelwano kunye inkonzo insurance nangaliphi na ixesha. Emva koko, le nkampani unyanzelekile ukuba abuyele imali eseleyo. Kodwa ke, njengokuba kusenziwa imiboniso, umthambo akulula kangako.

Enye i "Companion" abathengi ukuba mababelane ngebali labo ezama ukubuyisa imali kwi-inshorensi ngokungakhathali.

Xa wagqiba kwelokuba athengise emotweni yakhe, wacela ukuba iinkonzo kule ofisi. Ekubeni imoto yathengwa ngetyala, xa ezandleni abanini yemoto yenkqubo eliqela: MTPL kunye CASCO. Ukugcina kancinane kwaye iqhekeza nemali engasetyenziswanga, umqhubi ubuyeleyo "Companion". Emva komzuzwana kwagqitywa lokuphelisa isivumelwano. Kwi ngokufika umnini yemoto wadibana kuphela umsebenzi ofisi, waxelela ukuba mvume ngokuqinileyo irhoxiswe. Wamcela ukuba ugcwalise isicelo ze amnike uxwebhu ukubuya. Nangona kunjalo, eli phepha akazange ucacise ngqo nini kwaye njani imali eninzi ziya kubuyiselwa kwi-client. Emva kweenyanga 1.5 imeko ayikatshintshi.

Fumana nayiphi client ingcaciso wakhohlisa akazange akwazi kuba ofisi ivaliwe, kwaye ifowuni-line eshushu ayisebenzi.

Ukuba kwenzeke ingozi

Kukho iimeko xa umxhasi we kwinkampani ye-inshorensi wabandakanyeka kwingozi yemoto zendlela emva kokuba UK iye ubuyise ilayisenisi yaso. Kulo mzekelo, ukufumana imbuyekezo yemali kunokwenzeka kuphela iinkundla.

Kuba iNkundla kuyimfuneko ukulungiselela iphepha, eqinisekisa ingozi, isicelo iintlawulo-inshorensi, imigaqo-inshorensi ze alungiselele protocol-mthetho yolawulo.

Ukuba ngexesha yeenkqubo zenkundla kufunyaniswe ukuba inkampani zawa, abaxhasi sandilukuhla kufuneka silinde ekuqaleni awile. Ngokuqhelekileyo ngokuthengiswa kweempahla zenkampani kuqala zingaphelanga iinyanga ezi-3 emva kokuba ukuqaphela imilinganiselo. Ngeli xesha, wena ngokukhawuleza kangangoko kunokwenzeka kufuneka uthumele egameni umphathi ulamlo ohambelana isicelo nesicelo ukudibanisa umnini imoto kwirejista yamabango amatyala '.

Ekuphetheni

Ekubeni wafunda ngembali noonobangela ukuba inkampani ye-inshorensi "Companion" mvume lurhoxiswe, mandenze ntoni uba eqondakalayo. Noko ke, ngcono kwaye engeyoyangeli kwimeko enjalo. Ukuze ukuba ulahlekelwa yimali, kubalulekile ukufunda ngokweenkcukacha isivumelwano ne-inshorensi. Olu xwebhu kufuneka bhala zonke iimeko kunokwenzeka kunye neziphumo. Ukuba isivumelwano ayitsho malunga imilinganiselo kunokwenzeka okanye ilahleko mvume, kungcono kuye, yaye akazange basayine.