Mulingo wamakampani abwino kwambiri a inshuwaransi a CASCO

Munthu akagula galimoto, chinthu choyamba iye, ndithudi, amaganizira za chitetezo chake - alamu, fufuzani malo oimika magalimoto otetezedwa kapena garaja. Komabe, galimoto iliyonse ikhoza kuvutika ndi ngozi, chifukwa cha zochita za akuba galimoto, ndipo ngati palibe inshuwalansi ya CASCO, ndiye kuti muyenera kubwezeretsa galimotoyo pambuyo pa ngozi nokha, kapena kuyembekezera apolisi athu olimba mtima kuti akubawo atapezeka ndipo galimotoyo inabwerera kwa mwini wake.

Malingana ndi zonsezi, muyenera kuganizira za inshuwalansi ya galimoto. Pali mitundu iwiri ikuluikulu ya inshuwaransi ku Russia:

OSAGO - mumatsimikizira udindo wanu, ndipo pakachitika ngozi chifukwa cha vuto lanu, kampani ya inshuwalansi imalonjeza kulipira ndalama zonse zokonzera galimoto ya munthu wovulalayo, inshuwalansi yamtundu uwu ndi yovomerezeka;
CASCO - mumateteza galimoto yanu kuti isabedwe kapena kuwonongeka.

Inshuwaransi ya CASCO ndi yokwera mtengo - mtengo wapachaka wa ndondomekoyi ukhoza kufika 20% kuchokera pamtengo wagalimoto. Koma, pokhala ndi ndondomeko yotereyi, simuyenera kudandaula, chifukwa kampani ya inshuwalansi idzakulipirani kuti mukonzenso ngakhale kansalu kakang'ono kwambiri kapena mphuno, ndipo ngati mutaba, mukhoza kutenga ndalama zonse za galimotoyo m'manja mwanu. .

Koma, monga momwe zimakhalira, makampani a inshuwalansi nthawi zonse sakwaniritsa udindo wawo, ndipo mwiniwake wa galimoto akukumana ndi funso - momwe angasankhire kampani yodalirika komanso yowona mtima? Ambiri amatsogoleredwa ndi ndemanga za omwe amawadziwa ndipo ali ndi inshuwalansi m'makampani omwe abwenzi amawalangiza. Komabe, mutha kusankhanso inshuwaransi potengera kuwunika kwamakampani a inshuwaransi, omwe amapangidwa chaka chilichonse ndi mabungwe owerengera.

Mabungwe owerengera amapatsa kampani iliyonse chikole:

A ++ - chizindikiro ichi chikusonyeza kuti inshuwalansi ali ndi kudalirika kwakukulu;
E - makampani a inshuwaransi odalirika.

Chiyerekezo chamakampani chimapangidwanso potengera mayankho amakasitomala, zowerengera zimagawidwa pamlingo kuchokera ku zero mpaka makumi asanu ndi limodzi.

Kuyerekeza kwina komwe kumagwiritsidwa ntchito popanga masanjidwe amakampani ndi kuchuluka kwa kukana - muzochitika zingati makasitomala adakanidwa malipiro, ndi chiŵerengero cha chizindikiro ichi ku chiwerengero cha makasitomala.

Tiyeni tiwone momwe makampani akuluakulu ku Russia alili molingana ndi zizindikiro zonsezi.

Kwa Miyezi 12 ya 2013 Chaka, kuwerengera pamlingo wodalirika kumawoneka motere:

nyumba ya inshuwalansi "VSK";
VTB Inshuwaransi;
Renaissance;
RESO-Garantia;
UralSib.

Makampani onsewa adalandira chiwongola dzanja chapamwamba kwambiri cha A ++ malinga ndi zotsatira za kafukufuku wa bungwe la akatswiri a Republic of Armenia.

Ngati tilingalira momwe mawerengedwewo amasanjidwira molingana ndi kafukufuku wamakasitomala, ndiye chithunzicho chimatenga mawonekedwe osiyana pang'ono:

RESO-Garantia - pa mfundo 54;
Mantha. nyumba VSK - 46 mfundo;
UralSib - pang'ono pamwamba pa mfundo 42;
Renaissance - 39,6;
Surgutneftegaz - 34,4 mfundo.

Ngati muyang'ana chithunzicho potengera gawo kukana malipiro, ndiye kusanja kumawoneka motere:

Ingosstrakh - 2 peresenti ya kukana;
RESO-Garantia - 2,7%;
Rosgosstrakh - 4%;
Chilolezo - 6,6%;
VSK - 3,42%.

Malinga ndi coefficient iyi, nthawi zambiri malo otsiriza mwa makampani 50 ali:

ASK-Petersburg;
RSTC;
SK Yekaterinburg;
Astro-Volga;
Wamalonda.

Chiwerengerochi chikupangidwa ndi NRA - National Rating Agency, yomwe imapanga mlingo wake pamaziko a deta yomwe yachokera ku makampani a inshuwalansi omwe. Ndizofunikira kudziwa kuti SC imatenga nawo gawo pakuwunika kumeneku mwakufuna kwawo, ndipo ambiri aiwo samalengeza zotsatira za ntchito yawo ndipo satenga nawo gawo pazowerengera.

Posankha kampani ya inshuwaransi kuti ipereke ndondomeko ya CASCO, muyenera kuganizira zamitundu yonse: