Inshorensi ubutyala

inshorensi Ubutyala - i sphere ezimeleyo yomsebenzi inshorensi. Kule hlobo inshorensi injongosenzi owenza luxanduva uMntu oKhuselwe ngeInshorensi (inshorensi) ngumthetho, kananjalo ngenxa yezibophelelo phantsi isivumelwano umonakalo drugimlitsam (phantsi umonakalo iqondwa umonakalo obangelwe ngumntu othile, kwakunye ipropati wesithathu-amaqela). Ngokusekelwe kwi-inshorensi ezisakhulayo ukuba inshorensi bacinga ubungozi, ichazwe isivumelwano inshorensi enxulumene butyala izibophelelo ezivela ngenxa ebangela umonakalo kwipropati inshorensi, impilo okanye nobomi kubantu besithathu. Njengoko i-inshorensi abe ngabanye yomthetho.

liability Civil phambi bangaphandle ezizizo ngokwendalo, ngenxa yokuba lo mntu wenza umonakalo wesithathu uya kunyanzeleka ukuba abuyekeze ngokupheleleyo ilahleko zayo. Ukusebenzisa i-inshorensi liability, imbopheleleko ukuba imbuyekezo konakalisa oKhuselweyo kudluliselwa kwi-inshorensi. Ukubangela umonakalo kwabanye yi insurer kungabangela zolawulo okanye yolwaphulo uxanduva, kodwa umonakalo kwipropati abangelwa liqela lesithathu kunye nembuyekezo bakhe lutshintshelwe insurer.

inshorensi liability senze ngeendlela ezimbini:

- inshorensi ngokuzithandela ezifana yoluntu inshorensi liability lwabanini zokuhlala;

- inshorensi enyanzelekileyo, ezifana njengabanini imoto liability insurance (CTP).

inshorensi Ubutyala nabanini (GO) kwigumbi ibhekisela inshorensi ngokuzithandela, kodwa kakhulu kungxamisekile kunye neenkonzo ezibalulekileyo iinkampani ze-inshorensi, ukuba bayeke emagxeni abo uxanduva kubamelwane bakho umonakalo elingenzi nto eyenzeka kwimeko ukusebenzisa indlu. iingozi ezinokwenzeka zibhalwa mvumelwano, kwaye inshorensi unelungelo lokumisela ubuninzi isixa-inshorensi, apho insurer imbopheleleko ukulungisa umonakalo owenzeke amaqela esithathu yi zeinshorensi, ezifana umlilo okanye izikhukhula. umngcipheko Insurance Kuthiwa iziganeko le isiganeko ngokungqinelana mvumelwano insurance, i-inshorensi unomsebenzi imbuyekezo umonakalo, ie, yeinshorensi uhlawula ukuya amaqela esithathu abathwaxwa ngenxa izenzo okanye etyeshelwe le-inshorensi.

isivumelwano Insurance GO kunjalo nomonakalo kwipropati, onokonzakalisa umzimba, amaqela wesithathu ngenxa iziganeko zobomi ezenzeka kwindawo idilesi ethile, isivumelwano ethile ekhoyo inshorensi - ngummandla inshorensi.

inshorensi Ubutyala SRO (imibutho self-ezilawulayo) kuye kwayimfuneko ngenxa yokuba ishishini lokwakha udlule ukuba ukuzeyisa. Ministry of Lophuhliso liqulunqe iingcebiso ezithile kwi-inshorensi GO SRO kunye namalungu ayo ukuze kuqinisekiswe ukhuseleko yokwenene yokwakha mbutho kunye namalungu ayo elijongene nokuqinisa uzinzo zabo zemali, njengoko imbuyiselo ngenxa umonakalo baya babuyekezwe isixa inshorensi phantsi isivumelwano inshorensi, yaye ikuvumela ukuba akachithi mali yeMbuyekezo kweeSRO.

SRO inshorensi icala isivumelwano malunga neengozi ilandelayo uxanduva lomntu inshorensi ngayo (okanye inshorensi) ngokubi:

• impilo okanye ubomi amaqela esithathu ngenxa yeziphene kumsebenzi we-inshorensi;

• impahla amaqela esithathu ngenxa yeziphene kumsebenzi we-inshorensi;

• okusingqongileyo ngenxa ezisilelayo imisebenzi inshorensi;

Inshorensi - isiqinisekiso ukhuseleko kwakho kunye nozinzo zemali.