CWG: ncomo. inkampani yeinshorensi "Rosgosstrakh": Izinga, iidilesi

Phantse wonke umntu mihla babecinga ngayo, ukuqinisekisa wena nentsapho yakho inshorensi oqhelekileyo ubomi, imihlala-phantsi, kunye nezinye izinto ezibalulekileyo ngokulinganayo, kwaye ngexesha elinye kaninzi abantu ndiphethulela ingqalelo babo CSG yenkampani. Ukuphonononga lemisebenzi yombutho engangqinelaniyo, nangona kule intsimi, yena sele usebenza ixesha elithile kwaye nangoku inkampani inkulu inshorensi IsiRashiya ukuya kuthi ga ngoku.

Kweli nqaku siza kuqwalasela ezinye iinkalo UK iinketho inshorensi kunye nabathengi ucinge ngamnye kubo. Thina Ndiyaqhubekeka yokuba ulwazi malunga inkampani reviews CWG na umthombo zibalulekileyo kunye oluthembekileyo ulwazi.

inshorensi yobomi

Kuxhomekeka ngendlela yokonga amaxabiso ukusebenza, i-inshorensi yobomi classical yahlulwe iintlobo ezimbini: ngokukhula kwaye kuyingozi. Kubalulekile ukuphawula ukuba kwenkcazelo ngokomthetho la magama lunemiqathango kakhulu kwaye zisekelwe phezu umkhuba okhoyo isicelo la magama.

kuyingozi

inshorensi yobomi Risk ukhuseleko zemali intsapho uMntu oKhuselwe ngeInshorensi ukuba umntu esifa kwiimeko ezithile, yaye oku ngokuthe gca kule mvumelwano le CSG yenkampani. Reviews kule nkonzo kakhulu impikiswano, njengoko abantu abaninzi ezingekawafumani intlawulo konke konke, okanye ezifunyenwe emva kokuba inkqubo kakuhle ixesha elide, nto leyo nayo mzuzu ezimnandi kakhulu.

Kwizivumelwano ezinjalo, ukuba kuyimfuneko kubandakanywa Ukongezelela njengoko inshorensi ngokuchasene nasiphi na isifo okanye ingozi, ukukhubazeka, zokuqhambuka kwezifo ezibulalayo. Nayiphi na imali ngokugqithisileyo kulo mzekelo akayi kuyilwa, kuba ekugqibeleni yonke imali ehlawulwa ngumxhasi uya kuya kukugubungela ezi ngozi, kwakunye nazo zonke iintlobo iindleko kwinkampani ye-inshorensi. Kubalulekile ngaphantsi kukuba kule meko ziya kutshatyalaliswa ngokupheleleyo naziphi na iintlawulo emva kokuphela inshorensi ngokusebenzisa i CSG. Ukuphonononga zidla kwesokunxele abantu ababezama ukufumana imali yabo ekupheleni kwayo, nangona yokuba zange ukubonelela le datha uhlobo inshorensi.

Ngokutsho abasebenzi UK, ukhetho ixhaphakileyo namhlanje ihlala i-inshorensi ongxamisekileyo xa kukufa insured.

Enyuselwayo

inshorensi sipho ubonelela ukuyilwa ngcembe lokonga, kwaye kubalulekile ukuqaphela into yokuba ngokusisigxina kubandakanya icandelo lomngcipheko, obonelela ukuphunyezwa intlawulo yesixa elikhankanywe kwemali xa kusehla ukufa okanye nawaphi na amanye amatyala kubonelelwe kwisivumelwano esibhaliweyo.

Namhlanje, le ndlela iqhelekileyo kuthiwa--inshorensi yobomi engumxube, njengoko kunjalo ukufa zeinshorensi okanye ukuqola (ukuba iyafa inshorensi phambi xesha), ngokungqinelana mvumelwano, ahlawule isixa esithile "Rosgosstrakh". Ofisi eMoscow nakwezinye izixeko maxawambi zinike nje isivumelwano eso. Olu hlobo lwe-inshorensi, ngokutsho ncomo, iyathandwa ukususela kwimihla eSoviet Union, kodwa kufuneka bathi ngelo xesha naye ebonelelwe inshorensi esisinyanzelo nxamnye naziphi na iingozi.

iimpawu

Kuba oku okufana inshorensi kubalulwa mpawu zilandelayo:

• kakhulu ixesha elide, nto leyo evumela ukuba ukudala ngokuthe isixa onomtsalane lolondolozo ngokungqinelana isivumelwano, nangona ukuba iminikelo kulo mzekelo zincinane kakhulu;
• isiqinisekiso ophethe yokuzuza isivuno ethile ekwiseli ngokutsho isivumelwano, kwaye kwiimeko ezithile zinokubakho ingeniso mali eyongezelelweyo.

Ngenxa yezi mpawu ukuba oovimba-inshorensi iza kuqhubeka ikhula kulo lonke ubomi kwesi sivumelwano. Iingcali zithi xa isivumelwano zingama isigxina, umntu unalo ithuba lokuba ufumane imali eninzi nje imali intlawulelo - ngokwaneleyo ukuza CSG. Ofisi zinika loo ntlawulo, kungakhathaliseki ndawo umntu akuyo.

Kubalulekile ukuphawula inyaniso yokuba imali kunye inshorensi naziphi na izivumelwano ukubonelela iintlawulo kwi ukusinda, kuquka nabo izivumelwano ezahlukeneyo inshorensi yomhlalaphantsi. Kodwa amagqwetha efanayo bayacetyiswa ukuba anikele ingqalelo into, ukuba kukodwa i-inshorensi yobomi xa ekufeni kwaye kuthathwa ukuba luzakubalwa ngokukhula, nangona oko akuthethi ukubonelela ukuqukwa kwimvumelwano lwetyala ukusinda ukuya kwixesha elithile. Reserves apha ngokungqinelana nalo olu xwebhu, kuya kuqhubeka ukukhula ngalo lonke ixesha i-inshorensi, kunye incopho yawo bafika kuphela ekupheleni.

ngokoMthetho

Ngokumalunga ukuhlelwa amagama, kukho yexesha elifutshane kunye ne-inshorensi yexesha elide.

Enyanisweni, imida ecacileyo yeli candelo apho, kodwa meko yahluke ngobunto nezivumelwano inkampani "Rosgosstrakh".

Ofisi e Moscow phantse kwi ezitratweni zonke, kodwa, akukho nto, yintoni na esiyicelayo, baza kukuxelela ukuba elide elifutshane - kodwa imigaqo ezimana zikhutshwa kunyaka omnye, kodwa ke eneneni kudla ngokwenzeka kukuba inshorensi ubomi iminyaka emithathu okanye emihlanu ikwabizwa ngokuba elifutshane. Oku kuyimfuneko ukuze ukwahlula kwezinye iintlobo izivumelwano waqukumbela amashumi eminyaka.

Savings ukhetho kukodwa a ixesha elide, kungakhathaliseki ukuba iimpawu ze-nkqubo. Ngelo xesha linye i-inshorensi yomngcipheko iimeko kuluncedo kakhulu, i-ixesha elifutshane, kodwa mkhuba bavame kukho iimeko xa ikhutshwe xa ukufa 10-15, okanye iminyaka 25-30.

inshorensi yomhlalaphantsi Voluntary

I rgs inshorensi yale hlobo yinkqubo kunye nokwanda, apho umntu ngokuzimeleyo ngokupheleleyo ukudala ngokwabo umhlala-phantsi kwixesha elizayo.

Ezi nkqubo yinxalenye iinkqubo pension kwi asisininzi nakolu zamazwe behlabathi mihla, banikwe ithuba lokuba abemi ukunikezela iminyaka yabo endala yedwa. Kufuneka kuqatshelwe ukuba iinkqubo ezinjalo sele musani kuxhomekeka zemali umthamo kurhulumente, kodwa ngqo kwi ubuchule kunye nokuzimisela yabemi.

Abaqeshwa UK bathi kukho iinketho ezininzi zendlela ukukhupha imali kuyilo inshorensi pension kungaba:

• yesixa emva kokuba umntu lifike kwiminyaka yomhlala-phantsi;
• Iintlawulo esaphila;
• bebe pension nokubonelelwa ukhuseleko kweentlawulo lomiwo mhlaba.

Le ndlela yokugqibela iye phawu enye. Xa umntu esifa phambi kokuphela kwalo xesha, imali yentlawulo behamba ngakwicala neendlalifa zakhe kude kude emva kwexesha lokuvala zicacisiwe kumgaqo-nkqubo.

Kubalulekile ukuphawula ukuba i-inshorensi CSG kule hlobo kunokuba iindleko ezahlukeneyo kakhulu, kwaye oko kuxhomekeke ngqo kwizinto ezithile. Ngokukodwa, ixabiso ixhomekeke ubudala lo mntu, isini sakhe, ixesha ukuqokelelana yomhlala, ubungakanani igalelo okucwangcisiweyo ifomati ezikhethiweyo kwaye umyalelo iintlawulo zemirhumo. Umntu kugqiba ubungakanani izibalo ezifunyenweyo, umhlala-phantsi kunye nezihlandlo yokwenza iintlawulo ze-inshorensi.

Into ekufuneka uyazi?

Ukuba ngenxa yezizathu okanye omnye umntu esifa kwanangaphambi kokuba iminyaka ethile, yonke imirhumo ziye zihlawulwe yinkampani kubo, kuquka ikomkhulu ezingasetyenziswanga, ziya kubuyiselwa neendlalifa zakhe.

Asingabo bonke sinikele ingqalelo yokuba iintlawulo CSG ukulungiselela iimeko ezithile ulungelelwaniso ezivumela ukuqinisekisa ukukhuselwa imali yakho kwimeko kwamaxabiso. Uyavuma, kubaluleke kakhulu kwilizwe lethu, banikwe uqoqosho ibithande ukuba maxongo noko.

isivumelwano sakho pension unako kwakhona, ukuba kuyimfuneko, kuxhomekeke kwabo okanye ezinye iimeko. (Kunye nabaxhasi ukuqinisekisa olu lwazi) Ngaloo ndlela, ukuba oyifunayo, ungatshintsha ubungakanani bentlawulo, okanye ubudala, emva kokuba baqalise ukusebenza. Phakathi kwezinye izinto, ungenza ezongezelelweyo iminikelo, nto leyo nayo ibalulekile.

Lidla yenzeka ukuba umgaqo-nkqubo yomhlala ludibaniso umgangatho inshorensi yobomi kunye idiphozithi mali. Ukuba kukho inxalenye ethile iminikelo wathumela yokugubungela ubungozi, lo gama enye inxalenye uba uhlobo lotyalo-mali. Ngoko ke, ukuba uMntu oKhuselwe ngeInshorensi uyasweleka okanye saphule ikhubaziwe, inkampani uhlawula imali ngokupheleleyo neendlalifa zakhe.

Kufanelekile ukuba sikhankanye ukuba le pesenti isezantsi kangangoko lokonga ngokungqinelana sibophelelo 4% ngonyaka, kwaye umgaqo-nkqubo CSG zinako ukuba zibe yenye imali nangakumbi-mali. Noko ke, siphawula ukuba siyijonga, ngokufuthi wabhekisela indlela yokufumana imali kuphela ngokuhambelana isantya ubuncinane, apho abathengi ecaphukisayo kakhulu ngoku kunye.

CASCO

Xa nokubuyekezwa, okwangoku inshorensi imini nkqubo Hull benaso eRussia e kwemfuno enkulu, njengoko imeko yezoqoqosho ngcembe yaye yazinza ngakumbi, lo gama iibhanki kakhulu ukunika abemi kunye mboleko zemoto, kodwa zifuna kubaboleki bayasilela impikiswano echazwe sivumelwano.

Abanye abantu ngephutha bakholelwa ukuba eli gama imela "inshorensi imoto ezihlangeneyo ngaphandle uxanduva", kodwa enyanisweni akunjalo. Le ngcamango zaya kuthi evela mkhuba yaseYurophu kwaye ixesha kumazwe ngamazwe achaza inkqubo yokukhupha ukukhusela naziphi na iindlela zothutho, kuquka amanzi okanye umoya.

Ngaphandle kwento yokuba uhlangothi yokuqala inika kuphela inshorensi yesithuthi kuzo zonke iintlobo umonakalo okanye ubusela, unako ukukhusela ezahlukeneyo izincedisi, kwakunye impilo kunye nobomi - zombini umqhubi kunye abakhweli.

Yintoni kuchaphazela kulo ixabiso lomhlaba?

Iingcali qaphela ukuba lo mzuzu ibaluleke kakhulu kwinkqubo yobhaliso yalo mgaqo-nkqubo kukuba ukukhetha iinketho best inshorensi. Ngoko ke, kukho izinto ezininzi ezinkulu, njengoko apho CSG ( "Rosgosstrakh") icwangcisa ixabiso le-inshorensi wenza out:

• Ukhetho ekhethiweyo. Namhlanje kuyenzeka ukuba bayile inkqubo buso okanye epheleleyo. Full ibonelela inshorensi ekwebiweni okanye umonakalo, lo gama i-kwenxenye kuquka kuphela uhlobo yokugqibela lomngcipheko.
• Ubukho kunye nobukhulu hlobo. iindleko nkqubo lifinyele kuxhomekeke kwindlela enkulu a itsalelwa.
• Isibalo-inshorensi. Kubekho aggregate okanye nonaggregate (Bengapheli). Ukusebenzisa lwalo lokuqala ekugqibeleni kukhokelela ekubeni intlawulo nganye elandelayo ekufumaneni inshorensi uncipha. Oku kuthetha ukuba umgaqo-nkqubo onjalo uya kubiza kakhulu nonaggregate.
• Tyala. Kukho iinketho eziliqela, ukusukela ukulungisa kwivenkile ethile ziphethe intlawulo yemali. Xa uninzi leemeko rgs imveliso (CTP okanye CASCO) ibonelela isikhululo ngenkonzo yokulungisa inshorensi. Ukongezelela, abaninzi bayayeka kule khetho kuba na iindleko kakhulu lwentando yesininzi. Kuyo nayiphi na enye imeko, uya kuhlawula i-nkqubo ngakumbi.
• Inkqubo sokubala iintlawulo. Imali ukudluliselwa ngenxa yokonakala okanye enye ngaphandle kwakhe. Ngaluphi yesibini ukhetho? Ke balungiselela ukuba iindleko inshorensi iza kuvuka ngokuphawulekayo. Oku kungqinwe ngabantu abaninzi ukubuyekeza kwabo le CSG.
• Ukuxatyiswa ubudala yomqhubi. iindleko nkqubo ixhomekeke ngqo ngendlela advanced na umnini-moto yena ngayo ubudala.

Kutshanje, abantu akunjalo badla ukwenza ngaphandle igobhogobho kwi-CSG. Rating yale nkampani kancane kancane, kwaye iinkalo ezininzi oku kubangelwa yinto yokuba womnatha ngoku uninzi reviews ezimbi malunga ukungabikho iintlawulo.

Umbutho efanayo kakhulu unika iimeko ngokufanelekileyo elinako ukuzihlawulela iSebe i-nkqubo esemgangathweni, kuquka iinkqubo ezifana i "CASCO Economy" yaye "Buthathaka Hull." Kwakhona, xa kukho umntu akazange kungena nayiphi na ingozi, kodwa wagqiba ekubeni ukuphinda-likhuphe le nkqubo apha, inkampani ye-inshorensi rgs omnika isaphulelo.

Yintoni Kufuneka Ndiye ndikhangele?

Njengoko ncomo eliqela eziqulathe ulwazi malunga nabangeyo-intlawulo kwicala amagqwetha yenkampani livume kutsho ekuqaleni simazi kunye nemiqathango inshorensi phambi kwakho ukuphumeza isivumelwano, ukuba uye CSG. Amasebe sihambise nkqubo efanayo, kodwa ixabiso ubalwe akufunekanga ukuba ube yeyonanto. Kufuneka ube lula ukufunda ngokweenkcukacha zonke iingongoma yoxwebhu, ukuxoxa zonke bokuqonda kunye nokuchonga amathuba enokusetyenziswa nguwe kwixesha elizayo.

Okokuqala sinikele ingqalelo iimeko yemoto yokugcina ebusuku. Le nto umana ibonakala kwaye uyanyamalala-nkqubo, kodwa ke ukuba yena uya kuba khona, kufuneka uqonde kwangoko ukuba zonke iipaki imoto babe ibakala elisemthethweni ekhuselweyo, nokunika abathengi zabo kunye namaxwebhu axhasayo.

Kwisivumelwano, uza kuqukunjelwa CSG (amasebe badla sihambise isivumelwano efanayo), simele ngokucacileyo kuphawulwa zizinto ezifana "ubusela", "umonakalo", "ubusela" yaye "nelahleko iyonke lwesithuthi," yaye akufanele nje sho, ezizezi ziyachazwa ngokweenkcukacha. Abaqhubi abanamava ugxininisa ukuba anithanga nimane le ngongoma, ekugqibeleni xa kuthe imbambano ungala imbuyekezo efanelekileyo.

Jonga "eluxanduva amaqela" lilawula nje ngokucacileyo ubudlelwane yabathengi kunye nenkampani. Ngokukodwa, kubhaliwe kwathiwa ngokwemiqathango oko umntu ezithile kufuneka azise inkampani malunga ityala yeinshorensi yayivele. Kudla ngokuthi ukusilela ukufezekisa iimfuno ezichazwe kwesi sivumelwano, ekhokelela ukukhanyela intlawulo.

Idilesi eMoscow

CSG (eMoscow), inkampani ivumela ukuba isicelo angawamasebe kwezi dilesi zilandelayo:

• Kiev, 7;
• Krasnaya Presnya, 38;
• Myasnitskaya, 43;
• themba Leninsky, 23;
• Novoslobodskaya, 31;
• Leningradsky Prospekt, 33.

Enoba yintoni awathetha ukhetha isicelo kwiSebe CSG yeSebe (Moscow - yinto sixeko, ngoko SK amagatya kukho ezininzi), uya kunikwa ngqo nemiqathango efanayo. Kungenxa yoko le nto kusoloko kusenzeka ukuya ngqo kwi-ofisi, apho ekufuphi nalapho.

Iidilesi e St. Petersburg

Branches phambi kwethu SK ukho phantse yonke imizi emikhulu. Kungokwemvelo ukuba eSt Petersburg, nathi, ungakwazi ukufumana eziliqela ofisi CSG yenkampani. Iidilesi zezi zilandelayo:

• Kuibyshev, 23;
• Tambovskaia, 33;
• Cash, 40;
• 1st Krasnoarmeyskaya, 13;
• Tchaikovsky, 8;
• Industrial Avenue, 25.

Njengoko kwimeko yangaphambili, bonke abaxhasi zenziwa iimeko ngqo efanayo. Ke ukunyulwa komntu akuxhomekekanga ekuzithandeleni nokuba, apho isebe bafuna ukusebenzisa iinkonzo ze-CSG. Iidilesi sinikezela kuphela ngenxa yokuba umntu ngamnye ukuba akhethe eyona ilungelene ofisi kuye amalungiselelo bakhe nkqubo umdla.

endaweni yesiphelo

Ngoko ke, ukuba oyifunayo, namhlanje nabani na kuthabatha i-inshorensi, nokuba indawo yabo yokuhlala (eRashiya) okanye ubudala babo. Okwangoku, sicinga ofisi zenkampani zikho phantse yonke imizi emikhulu, kwaye kukuninzi, kwanele ukuqinisekisa ukuba wonke ubani ukuya ukumelwa kakhulu lula ukuba umgaqo-inshorensi.