Kodi kukhala inshuwalansi wothandizila CTP? Ndi udindo wa inshuwalansi wothandizila CTP chiyani?

Mu anthu okalamba, kumva mawu akuti "inshuwalansi wothandizila", nthawi zambiri pamaso panga pali munthu kugonana indeterminate ndi maonekedwe, m'malo compulsively n'kumatinyengerera kuti 'mukuganiza patsogolo ndi kugula ndondomeko. " Ndipotu, zaka 15-20 zapitazo, ntchito imeneyi ndi otchuka kwambiri, ankachita ntchito makamaka nzika alibe anakwanitsa m'munda wina uliwonse.

Lero, ntchito ya wothandizila inshuwalansi kunyumba (MTPL, CASCO, chuma inshuwalansi ndondomeko ndi zina) ndithu yapamwamba ndi otchuka ndi akamaziwononga akhoza kubweretsa ndalama ndithu.

Ndani Insurance Mtumiki

wothandizila lero - ndi wofuna achinyamata amene kawirikawiri amakhala ndi maphunziro apamwamba zinachitikira ndithu m'munda wa kulankhulana ndi makasitomala. Kukhala maphunziro apadera, munthu amatha kugulitsa inu chirichonse - kuchokera toothpicks kuti inawomba nyumba yaitali, ndipo ziri mwamtheradi osati intrusive. Aerobatics - kuchititsa ndikupeleka, kotero kuti pambuyo pa mapeto a mgwirizano makasitomala anasiya tanthauzo lenileni ndi wosafunika ndi kumvetsa zimene ndendende anali "mmisiri wa vutolo."

Monga ulamuliro, nthumwi inshuwalansi si wantchito wa kampani, ndipo umagwira ntchito pa maziko a mgwilizano kapena ulamuliro. Izi zikutanthauza kuti ngati pakhale chisokonezo onse udindo mwachindunji ku UK, ndi mkhalapakati titero "wosalakwa." Komabe, izi sizikutanthauza kuti wothandizila si udindo chilichonse, monga ngati alipo, iye adzayenera kuyankha kwa UK, osati kasitomala.

Asanakhale ndi inshuwalansi wothandizila (CTP, Hull neri Al.), Iwo ayenera kuganiza akadali wabwino, chifukwa ntchito izi ndi za gulu la "nkhandwe phazi chakudya", mwachitsanzo Kodi musaganize malipiro amodzi ndi anthu amene amakonda digiri wosasunthika, si njira.

Amene akhoza kukhala luso ndi ndani wothandizila

Mfundo kuti tigwirizane ndi makampani inshuwalansi mulibe pang'ono kumaliza yunivesite ena, monga madokotala ndi maloya. Mbiri ndi buku la maphunziro anu apa si kofunika. Muyezo waukulu anthu amene ndikaganizira kukhala ndi inshuwalansi wothandizila CTP - ndi kupezeka kwa nthawi ufulu ndi wofuna kulankhula kwambiri. Monga freelancers, ambiri IC osangalala kuganizira:

• ophunzira (panopa, akale ndi mtsogolo);
• pensioners;
• anapuma asilikali;
• achitsikana;
• amayi;
• munthu wina alibe ntchito okhazikika, koma amene akufuna kumvetsa nzeru za ntchito yatsopano.

Ndi chophweka munda mizu, amene ali ndi chuma ndi anthu amene anthu osiyanasiyana: ogulitsa, aphunzitsi, ogulitsa malonda, ogulitsa malonda maukonde, akatswiri a maganizo, madokotala, chigawo kale ndi zina zotero.

Kodi kukhala wothandizira wabwino

Anthu amene akufuna kulongosola bwino funso mmene kukhala inshuwalansi wothandizila CTP ndi kuyesa mwayi awo kumunda ayenera makhalidwe ena. Ali:

• kosangalatsa maonekedwe - kaya olemera kapena osauka awo, UK wothandizila azikhala woyera, aukhondo, mwaukhondo adameta ndi kuutsa zabwino mtima wa makasitomala angathe;
• bwino kukumbukira - ayenera kukhala bwino ndi kukumbukira limatchula za inayake inshuwalansi mankhwala, athe bwino kufotokoza ubwino wake; Komanso, M'pofunikanso kukumbukira ndi "kulunjika" makasitomala, ngakhale okhazikika;
• asamangochita zimene akufuna - ayenera kutha kukumana ndi kupeza mwachangu mayankho atanthauzo zosiyanasiyana za nkhani sizimene amaloweza malemba kuloweza chidwi interlocutor ya;
• See - luso kwambiri kutuluka nkhani akumane, mwanjira - kachidindo loko pa khomo kutsogolo kapena chachikulu eni galu adzakumana nanu pa pakhomo;
• kukana nkhawa - anthu osiyana, si aliyense angathe kulankhula bwino, kotero kumbukirani: makasitomala ndi zolondola nthaŵi zonse, ndi kuyankha ngakhale kwa chipongwe kwambiri wotchuka ndi kumwetulira aulemu;
• ntchito molimba - mu nkhani iyi, kukhala "pa benchi yopuma" sizigwira ntchito, zasungidwa kudzadalira chiwerengero cha makasitomala mwapeza;

Ine ntchito inshuwalansi akuda anapita, tiyeni ine ndikuphunzitsa

Choncho, makhalidwe bwino, tsopano tiyeni tikambirane mmene kukhala wothandizira a inshuwalansi kampani ndi CTP - Ingosstrakh, "SOGAZ", "RESO", "SSC" kapena kampani ina kwanu.

Ndithudi, palibe kampani sadzalola ndi comer woyamba kuimira zofuna zawo ndi kudzapereka zimenezi m'malo mwa kampani - kupeza ufulu umenewu, muyenera kukhala maphunziro apadera mwachindunji kwa mabwana. maphunziro awa ndi ufulu zambiri, pali wothandizira tsogolo adzaphunzitsa ndizosowa luso positi ofesi, wolunjika ankakana makasitomala. Ndipo, ndithudi, "mafupa" adzakhala disassemble lililonse mankhwala inshuwalansi anapereka kampaniyo, mphamvu zake ndi ubwino mpikisano.

Kawirikawiri maphunziro lapitali masabata limodzi kapena awiri kuti miyezi ingapo, maphunziro angathe kuchitikira onse mu magulu ndi aliyense payekha. Makampani ena amagwiranso maphunziro mtunda kapena webinars kutali ndi msonkhano Skype. Asanakhale ndi wothandizila za inshuwalansi kampani ndi CTP, Hull ndi zina inshuwalansi, wodandaulayu amayenera bwinobwino kumaliza maphunziro awo koma kudali ena mayeso ndi mayesero mu nkhani zapita. Mu ena makampani, maphunziro akhoza phased - mulingo uliwose latsopano akutsegula kupeza mankhwala owonjezera inshuwalansi - apamwamba mlingo, wamkulu zosiyanasiyana ndondomeko chimene mungampatse makasitomala.

ntchito

Nditamaliza maphunziro, ndinu wokonzeka kupita. The ntchito za MTPL inshuwalansi wothandizila ndi zina mitundu ya inshuwalansi monga:

1. Kupeza ndi kukopa makasitomala atsopano, kukuza ake kasitomala m'munsi.
2. Latsopano zimenezi chifukwa mitundu yonse ya inshuwalansi ndi kutambasuka (watsopano) alipo.
3. Tony kuwonongeka - ngakhale kuti ambiri zakhala ndi wantchito wodzipereka, aliyense wothandizila ayenera kuchita nokha.
4. ziyang'aniridwe ndi kuteteza zikalata - udindo chindapusa yosungiramo ndi njira lagona kwathunthu wothandizila lapansi.
5. ntchito malonda - bwino nthumwi adzatha wekha, ndi makasitomala ambiri adzakula.

Kumene, woyamba mfundo ziwiri pochita, ndi luso la ntchito yawo zimatengera mwachindunji pa ndalama movutikira.

Malipiro - kwambiri kapena ayi

Asanakhale ndi wothandizila kampani MTPL inshuwalansi kapena mitundu ina ya inshuwalansi, ayenera kumvetsa kuti ndalama bwino mwachindunji kuno. Malipiro freelancer zimatengera ntchito yake, mwayi ntchitoyo. Nthawi yoyamba, pamene anayesa ndi kuyesedwa chimango kudzakhala kovuta zokwanira. Udakali bwino chinachititsa atsopano ndi poyamba 15 zikwi Rubles., Ndi "nsombazi-wothandizila" akhoza kupeza, ndipo oposa 100 zikwi rubles pamwezi.

Komabe, aliyense kampani ali dongosolo yakeyake Malipilo, koma ambiri tinganene kuti malipiro a wothandizila inshuwalansi 10-15% ya chiwerengero cha zimenezi anamaliza. Ena makampani komanso kupereka mabonasi zina ndi kukwezedwa pamene kukwaniritsa ntchito zabwino.

Ntchito inshuwalansi wothandizila ngakhale osiyanasiyana, koma chidwi kwambiri, ndipo pa zinthu zina timatha inu mofulumira kusunthira ntchito makwerero ndi mkhalidwe wawo ndalama. Komabe, asanakhale ndi inshuwalansi wothandizila CTP Rosgosstrakh Mwachitsanzo, ndiye kuti adzathe amayang'anitsitsa ubwino ndi kuipa kwa ntchito imeneyi.

onse

Ubwino wa ntchito iyi ndi zoonekeratu ndithu:

• ufulu maphunziro a ntchito yatsopano;
• ufulu ndandanda - ntchito akhoza pamodzi ndi wina aliyense, komanso kuphunzira, umayi ndi zina zotero;
• chapamwamba malire a profitability si - monga "amasonkhana" kwambiri ndipo analandira;
• mwayi kupeza latsopano "zofunika" chikondi;
• otsika mpikisano - anthu wokhoza kuchita bwino mu ntchito imeneyi, osati kwambiri.

ndipo ndi

Asanakhale ndi inshuwalansi wothandizila CTP, ataima mwabwinobwino kuwunika ndi kuipa kwa ntchito imeneyi:

• kusowa kwa ndalama khola pazikhala;
• Kufufuza palokha makasitomala - ndi zina kovuta kupeza pati;
• ntchito osasamba ndandanda - zikuoneka kuti kasitomala akufuna kuona pa holide, sabata kapena pambuyo 23,00;
• udindo kwa zolembedwa chitetezo;
• ntchito ndi "ndalama" udindo chifukwa chitetezo cha premiums inshuwalansi.

Pomaliza

Pomaliza, ife mwachidule mutuwo, muyenera kukhala ndi inshuwalansi wothandizila CTP:

1. Sankhani kampani kupereka inshuwalansi kukafufuza za kupezeka kwa wantchito.
2. Tumizani pitilizani angakamupatse kapena mafomu mawonekedwe pa webusaiti kampani ndipo dikirani kuti kuitana kwa mafunso.
3. Pitani ku ofesi ya kampani ya inshuwalansi, pochitika zoyankhulana munthu ndi lowani lotsatira maphunziro.
4. Akamaliza maphunziro kulowa pangano mgwirizano ndi kuyamba ntchito, ndi momwe mwamsanga mukhoza kupeza malipiro anu oyamba - zimatengera pa inu.