"MSK" (inshuwalansi kampani): CTP, Hull, nthambi, maofesi, tsamba lovomerezeka, maadiresi, mafoni nambala, ndi ndemanga

MSC - kampani ya inshuwalansi, yomwe ntchito kwa anthu. Nkhani zimenezi zikunena mmene a galimoto lachitatu chipani udindo.

Lingaliro la mawu akuti

Insurance - wapadera ubale ndalama chitukuko komanso kugwiritsa ntchito ndalama ndalama, zimene zoperewerazo zinawonongedwa ndi pakutchulidwa a mitundu yosiyanasiyana a angakumane ndi amalipidwa anthu kapena mabungwe alamulo.

M'njira yopapatiza, ubwenzi umenewu mbali zonse kuteteza munthu inshuwaransi kapena chuma chake likuvutika ndalama, omwe anapangidwa kuchokera premiums inshuwalansi analipira.

M'lingaliro yotakata - amaphatikizapo zinthu zimene anapanga Patatha chitetezo zakuthupi.

Normative malamulo zochita, zomwe ndi zochokera okhudza izi ndi Civil Code wa Russian Federation (Cigawo chachiwiri, Chapter 48) ndi Chilamulo Federal "Pa bungwe la Insurance Business", limene limafotokoza zinthu zambiri akuti. Pamaziko a ichi Chilamulo Federal angalimvetse motere: Insurance ndi ubale wa counterparties awiri kupereka ena limanena za mgwirizano ndi mbali imene.

The maphwando ndi udindo wawo

Pochita izi, kawirikawiri anthu awiri. Choyamba chipani - ndi insurer (gulu akhoza kukhala payekha, shareholder ndi anthu). Chachiwiri - zachilengedwe ndi anthu malamulo.

insurer a udindo:

1) azilipira mbali yina ya kuwonongeka pamene nkhani yabwino (masoka achilengedwe).

2) Chidwi achilengedwe kapena malamulo munthu ndi malamulo ndi zina zabwino kuti imakhudzana ndi nkhaniyi.

3) Kuwonjezera malipiro a zoipa zimene anali anachititsa kuti chochitika inshuwaransi, ndi reimburse ndalama zina.

4) Kodi satchula zomwe anaphunzira wa chipani cha wachiwiri kwa pangano (monga thanzi, chuma, ndi zina).

5) lolembedwa zindikirani policyholder mwina m'malo phindu munthu chosiyana.

6) Mu nkhani ya kuchotsa oyambirira a mgwirizano pasadakhale kumathandiza mbali yachiwiri.

Maudindo a inshuwaransi ndi:

1) kupereka dipo yake ya zopereka.

2) imatiuza zinthu kudziwika kwa iye, zomwe ndi zofunika kudziwa chifukwa mapangidwe chochitika inshuwaransi.

3) Pa mapeto a mgwirizano, phwando limeneli kusamalira chitetezo malo.

4) Nthawi yomweyo dziwitsani insurer za kusintha zinthu mu mgwirizano.

5) posachedwapa awadziwitse mbali ina ya ngozi.

6) Amatipatsa ufulu wa subrogation kwa insurer (kusintha ngongole mu ngongole inshuwalansi).

7) Mu nkhani ya kuchotsa oyambirira a mgwirizano adzakhala awadziwitse mbali ina ya cholinga chake.

MCK - inshuwalansi kampani

Open olowa Stock Company amatchedwa "Moscow inshuwalansi kampani" (chidule cha "CMC") inakhazikitsidwa ndi nawo boma la Moscow kumayambiriro 1998. Kuyambira m'ma 2007 shareholder waukulu wa kampani imeneyi akuti ndi a "Capital Insurance Gulu." Amailamulira amanyamula osati boma la Moscow, komanso likulu la mabanki.

MSCs (inshuwalansi kampani) ali hayala likulu, amene chimachititsa rubles oposa biliyoni 3.5. ulinso ndi chiphatso kuti agwire ntchito pa mitundu 23 inshuwalansi, amene kuthetsa zofuna za nzika za onse. Kudalirika ndi khalidwe la ntchito chinatsimikizira fitch Mavoti mayiko mlingo bungwe. MSCs (inshuwalansi kampani) ndalama bata onse pa dziko ndi pamlingo yachilendo.

iye ndi membala wa mgwirizano wa mabungwe angapo monga "Onse-Russian Union" (Bcc), "Moscow Association" (ICA), "Aviation ndi Space Corporation" (RAAiKS), RSA ndi ena ambiri.

kudalirika Financial za inshuwalansi kampani

Chaka chino kampani chinawonjezeka zasungidwa kukula choposa pafupifupi msika wa 2007 deta. The mtengo okwana premiums inshuwalansi anafika biliyoni 5,8 rubles. kampani ndalama zake, komanso ndalama analandira kwa chitetezo cha msika lonse ndi zoweta, ndi mpata amagwira ntchito ya kusinthasintha kwambiri. Pa nthawi yomweyo, kampani amatitsimikizira khalidwe ndi ntchito pankhani ya kapadera.

Malinga lathu chikhalidwe cha MSC pulogalamu (inshuwalansi kampani) kukomana ndi zofunikira zamakono zonse: kuno kutsimikiza moyo, thanzi, chuma ndi udindo wa nzika.

Kuonjezera chiwerengero cha anthu ogula amene ntchito misonkhano bungwe la, kutsegula maofesi atsopano MSC (inshuwalansi kampani). Nthambi za kampani izi zili m'mizinda oposa 170 Akuluakulu a ku Russia. Total kampani imeneyi inshuwalansi m'kaundula pafupifupi mabungwe 120 ndipo 55 makontena yaing'ono.

lothandiza gulu

Ubwino wa ukulu a kampani ino chikondwerero chachikulu mabungwe dera ndi matauni aakulu ndi mabizinezi. Izi zikuphatikizapo Moscow Integrated Mphamvu Company (MIPC), Segezha Zamkati ndi Paper Mill (SPPM). Ndi zabwino za gulu kuyankha Novosibirsk zitsulo Bzalani (NMP), "matamanda a madzi", makampani ena ambiri ndi mabizinezi.

Kampaniyi ndi nthumwi yaikulu ya boma la Moscow za inshuwalansi katundu, amene wokwatibwa ndi boma, zosiyanasiyana malo, antchito chilolezo ku dera la akuluakulu oyang'anira tauni ndi boma.

Kuwonjezera pa Boma la kampani ino ali counterparty wina okhazikika - "Bank of Moscow". Mu m'dera limeneli, olimba ayenera kutsatira udindo pansi ncha kubweza kukongoza, ina galimoto ngongole. Komanso amagwirizana ndi wina Russian mabanki: Bank ulimi, Gazprombank, VTB 24, "Alpha", ndi ena ambiri.

zoyipa mu ntchito za inshuwalansi kampani

Kuwonjezera ubwino mu kampani ino palinso kuipa:

• makamaka nzika siyani ndemanga zoipa pa inshuwalansi kampani MSK;
• ena nthambi ya kampani antchito ntchito, mwano ndi ntchito Monkey chinenero kuthana onse ogula;
• anthu ambiri ali wosasangalala kuti mafunso awo, makamaka zokhudzana ndi ngozi zapamsewu, tatsimikiza kwa miyezi ingapo;
• Pali zambiri zonena akupalamula MSA;
• MTPL inshuwalansi kampani sikuti kuwerengetsa molondola, zolakwa zosiyanasiyana zokhudza nkhani imeneyi adawonekera;
• CASCO mtengo amadziwikanso masamu molakwika, Kodi kuganizira zimene zinachitikira galimoto;
• Posachedwapa MSCs (inshuwalansi kampani) chimakwirira nthambi, popanda kufotokoza chifukwa makasitomala ake kwa miyezi ingapo mu 2014 idaleka kuyendetsera maofesi a m'mizinda ya Kurgan, Smolensk, Syktyvkar, Barnaul, Zheleznogorsk (Kursk dera), Ryazan, Chelyabinsk, ndipo mbali yaing'ono chabe .

Kunja Katundu Insurance

M'mayiko ena, Insurance nyumba ndi zoyendera kalekale kofala kwambiri. Limawapatsa mpata kukonza mavuto onse pa zochitika zadzidzidzi. Komabe, yachilendo dongosolo inshuwalansi ali makhalidwe yake.

Choncho, tisaiwale kuti ntchito pafupifupi zikuluzikulu ali ndi katundu amene wakhala kapena kodi tikufuna. Mwachibadwa, wamkulu adzakhala ndalama, ndi zodula adzakhala inshuwalansi. Iwo n'komwe, ngati katundu ndi mbuto ikulu okhala, kapena si nyumba yekha. Choncho, ngati panali mavuto zosiyanasiyana, foni inshuwalansi kampani MSK mupeza. Zonse zichitike pasadakhale, monga mwamphamvu amalemekeza ogula ndi zosankha zawo.

Impact pa mtengo wa mfundo amapereka inshuwalansi ndi otchedwa mbiri ya m'dziko limene anapeza malo. mfundo ndi yakuti ngati malowa mobwerezabwereza kugundidwa ndi masoka achilengedwe, kampani bwino pabwino kuonjezera kukula kwa ndalama za inshuwalansi. Amatengedwa ndi kuti yekha malo omwewo pamalowo ili.

Kusiyana oganizatsy ili mu Russia ndi mayiko ena

Uliwonse dziko, inshuwalansi ndi kuwonjezera muyezo zinthu zina. Mwachitsanzo, mu France, wotchuka kwambiri ndi zimenezi kuti kutsimikiza eni nyumba pamene mukumwa izo. Mu England, adzakhala kutsimikiza motsutsana kuwonongeka kwa katundu amene anachitika chifukwa kuphulika kwa kukatentha nthunzi, maofesi mpweya yosungirako, kulephera kwa ku zimbudzi kapena magetsi, ndipo ngakhale kugwa kwa chipangizo china chilichonse mpweya piloted. Ndipo mu Germany ambiri chilolezo yapachiweniweni udindo, zomwe cholinga zoperewerazo zinawonongedwa ndi munthu wina kapena katundu anthu ena. Ku Czech Republic n'zotheka kuti inshuwalansi adzakhala reimburse kuwonongeka ngati mavuto kwa malo kuchokera mu chirengedwe. Mu United States, nayenso, chotchuka kwambiri mutu inshuwalansi, amene amapereka malipiro a zotheka kuwononga vuto la imfa ya katundu ufulu kwa malo.

Ngati timatenga Mwachitsanzo, kampani Russian monga MSC (inshuwalansi kampani), webusaiti ya boma kuti atsimikizire kuti palibe mbali ulibe.

The osachepera amatanthauza CTP

galimoto eni ambiri kuzindikira kuti galimoto m'misewu ndikoletsedwa popanda kuvomerezedwa gulu lina udindo inshuwalansi. Ndi chifukwa nzika uyu ndi kunena zimenezi ndi makampani osiyanasiyana. Malinga ndi malamulo, amene amachita pa gawo la Chitaganya cha Russia, nthawi osachepera CTP zikhoza kusintha m'magulu atatu.

Njira yoyamba - kwa eni yemwe galimoto wadutsa kulembetsa boma kunja Russia. Anthu oterowo nthawi osachepera masiku 5 kapena 15.

Yachiwiri - kwa anthu omwe amatsatira kumalo kulembetsa kapena anayendera luso galimoto. Nthawi yochepa masiku 20.

Njira yachitatu - ambiri. mgwirizano ndi anamaliza, ngati ikuchitika kulembetsa ndi apolisi apamsewu. Nthawi yochepa sangakhale zosakwana 3 months.

Zikatero, ngati mwaganiza kutsimikiza galimoto anu kotala limodzi (nyengo), mtengo wa ndondomeko adzakhala 30% ya kuchuluka pachaka. Childs, izi mitundu ya malamulo MTPL kukongoletsa eni galimoto ntchito galimoto si chonse.

mudziwe mwachidule za Hull

Mtundu wa inshuwalansi akuti ndi kwawo. Ngati pali ndondomeko CASCO nzika mukhoza kupeza malipiro a ndalama chifukwa cha kuba galimoto kapena mavuto thanzi la dalaivala ndi anthu. Pamudzi Final adzapereka gulu limene ntchito. Mwachitsanzo, ngati mwaganiza kusaina mgwirizano ndi kupeza mfundo, kusankha kampani monga MSC (inshuwalansi kampani). Adilesi ya nthambi m'dera lanu angapezeke pa Intaneti.

Magawo zotsatirazi zambiri n'komwe mu mawerengedwe a alumikizana:

• galimoto mtundu;
• chaka kupanga makina (amangoona kutsimikiza yekha magalimoto atsopano);
• zaka dalaivala (okalamba kawirikawiri amabwera kuchokera zodula);
• galimoto zinachitikira (oyamba ndalama zambiri poyerekeza ndi madalaivala odziwa);
• pamaso chilolezo (ndi ntchito mfundo zake zidzakhala mtengo);
• galimoto anaimitsa galimoto zili kutetezedwa (Pankhaniyi bolodi adzakhala zochepa);
• kukhalapo kwa odana ndi kuba dongosolo alamu;
• dera limene galimoto chingagwiritsidwe ntchito.

MSCs (inshuwalansi kampani), malo nduna ndipo zonse akhudzana ndi

Mungapeze zambiri zosiyana za kampani inayake malonda. Pa nthawi yomweyo, mungapeze makonde, amene amanena za mabungwe zoipa. mfundo zodalirika imatengedwa, yomwe imafalitsidwa pa webusaiti boma. Choncho, ngati mwaganiza kuti nkhani zokhudza bungwe, monga Mwachitsanzo inshuwalansi kampani MSK, ndemanga ndi zina za iye si chinsinsi.

Mothandizidwa ndi pawebusaiti yovomerezeka ya gulu likhoza kupangidwa Intaneti kuwerengera kodi ndalama pafupifupi ya CASCO ndi MTPL ndondomeko. Kuti tichite zimenezi, kulowa deta chofunika pankhani zina (mtundu, chaka, zaka ndi zinachitikira galimoto). Pamene online, mukhoza kusankha kuwerenga kwa kampani yeniyeni inshuwalansi. Pamanambala intaneti, mukhoza kuona mayankho zabwino ndi zoipa nzika kale ntchito kwa bungwe kapena kuti ndiyotani anaika malipiro awo.