Kamupene inihua Tino pai e CTP: he rārangi o ngā āhuatanga me ngā arotake

Ko te raruraru o te kōwhiri i te kamupene inihua fehangahangai e rua tīmata me te iwi nei i roto i te mua i te wheako kino ka hoko i te kaupapa here. Nuinga o ngā wā he tika ki poauau tūmanako utu tenei. Ko reira he mea nui ki te mohio me pehea ki te whiriwhiri i te kamupene tika. He mea nui ki te mārama me pēhea ki te tango ki roto ki pūkete nga āhuatanga tuakiri kore anake, engari ano hoki i te tino mahi pūtea. kōrero atu anō e pā ana ki te pehea, ki te whakatau i inihua kamupene ko pai mo te CTP, me tetahi atu momo o te inihua, lau runga.

raruraru

Katoa tau, whiwhi 42 miriona motokā rangatira taunahatanga taputapu kaupapa here inihua me tetahi atu 5 miriona - Hull. Kia kua te huringa i hanga ki te ture i roto i 2014, mo te whakatika hapa te uru anake kiritaki ki tou insurer. Ko te nui o te utu, tei runga i te kaupapa here kamupene. Me pēhea koe e mohio ki ta te kamupene inihua he pai ki te puta MTPL?

tiki mōhiohio

He kamupene inihua pai e CTP - ko te kamupene pono e taea tere te whakatutuki i ona herenga. kia taea ki te hanga utu, me te kore haere kaihau Ahakoa te insurer tino kino.

hanga te matatini e te kōwhiringa o te tau o kamupene whakahaere i roto i te mākete. Ka rite ki rau o ngā rōpū ki te whiriwhiri i inihua kamupene ko pai hoki te CTP? tino taea e koe te pupuri ona ake tātaritanga o ngā mōhiohio e wātea ana nuitia whakairi ki runga ki te pā paetukutuku, Huinga, blogs me whatunga pāpori. He mea tika ki te mohio te whakaaro o kiritaki mua o te kamupene. Kaua e wareware e pā ana ki te tūranga ā-tau o kairīanga.

kohikohi mōhiohio

A, no te haere mai te reira ki te kamupene iti iti-mohiotia ranei, te mea tuatahi, ko te ki te tirohia e te mea he raihana pakihi. kamupene anake ki te raihana e tika ana e taea whakarato ratonga rīanga. I roto i Russia reira e neke atu i te 400, me ia o ratou pinepine o āpiha. Rēhita o kairīanga aroaro i runga i te pae tukutuku o Bank o Russia raro mākete pūtea. Ki te kairīanga, rēhita i roto i te rohe o tetahi atu whenua, e kore ki te kōrero pai. whakahaere atu pono mahi i runga i te 10 tau i roto i te mākete.

Ko te rōrahi o utu

Ko te horapa o te kino mo nga moni iti iho i tenei ra i te i te reira i mua. rōpū katoa i roto i te tātaitanga o te utu o hanga e hiahiatia ana ki te tono i te tikanga whakaaetia e te Bank o Russia. Ka taea e anake hei rerekētanga ki te wā o utu. Na ko te āhuatanga i roto i te ariā. I roto i te mahi, i roto i 2014, i kohia kairīanga 150 piriona moni, a ka kua whakarārangitia te patunga anake 90.3 piriona ahakoa te meka e na te ture, me utu te pärurenga 77% o te moni whakaarahia. Ko ohie te whakamārama. Tuatahi, i roto i te 2014 kahore he tikanga kotahi mō te whakatau i te utu o te hanga. Tuarua, i te wa o te hoko o nga taputapu kaupapa here e hanga i roto i te moni. Ka taea e hui inihua tupu i tetahi wa i roto i te heke mai. Na reira, ka tonoa te nuinga o nga utu kohia e ki te rāhui.

pūmautanga pūtea

āheinga o te whakahaere ki te whakatutuki i āna herenga i roto i tetahi āhuatanga ōhanga whakaata te mahi pūtea. He mea tino nui ki te tātari i te tauākī, ki te e korero tatou e pā ana ki te mahi mō te wā roa-. Ahakoa he kamupene inihua pai e CTP taea whai raruraru ki te utu. He aha kia titiro ahau mo?

Me nui whakapaipai mana te huinga iti (120 MN).

Ko te tupu o ngā rawa o te whakahaere e whakaata ana te akiaki pai o te whanaketanga, rawa, ki te te mahi i te reira i te utu o utu kohia. He kamupene inihua pai CTP kua he nui nui o pūtea e wātea ana.

kia Tau o kirimana nga whai wāhitanga pūtea taua.

rāhui Insurance kore maha e nui ake pikinga. Ko te heke i roto i te akiaki - te reira i te au kino.

kia mōhio hoki tiketike rawa te taumata o utu kiritaki pea. No te mea i roto i te whakahaere i hokohoko ai meka - kohia reira te tohu. Pehea e taea te kamupene te tīariari, ki te utua kiritaki moni atu, i te kohia?

kamupene nui whakawhiti ki ētahi atu whakahaere, me te 50% o te kōpaki inihua.

Ko te mahi pai i te kamupene inihua (CTP).

Reviews

He takitahi ia take. Ahakoa i muri i te tātari i te urupare i runga i te Ngā Huinga, ko reira uaua ki te whakatau i hinonga - te pai kamupene inihua e CTP. E fehangahangai kiritaki katoa ki te taua raruraru:

• whakaaro roa o te tono (i runga i te whakaū o kia tango i te marama tuhinga);
• nui iti o te utu (ia arowhai inihua nga tātai katoa o Appraisers ki tohutoro SAR, whakaritea te uara hua e te nui o te moni Takahanga, me te toenga, ko te ki te kia utua ki te kiritaki).

Tukua te nuinga kiritaki e hoko he kaupapa here inihua i roto i te Crimea. Ehara i kamupene inihua katoa i o ratou tari i reira. Na reira, hoki te kiritaki te aufauraa i whai ki te haere hoki i roto i Rosgosstrakh.

auau inihua

kia mōhio utu iti kiritaki pea. Akiritia whai wāhi i roto i te kamupene iti ranei katoa hou e e ngana ana ki te kukume kiritaki. he hāngai anake i roto i te wā tuatahi o te mahi te rautaki. Neke atu i te wa, anga reira kaihau. Whai utu iti i roto i te kupu whakamutunga kirimana wā roa-hanga kahore tikanga.

payout ka tatau te kaupapa inihua e hāngai i runga i te ekenga ki, whakanuia i te nui o kapinga tīpakohia e te kiritaki. papaki te uara whiwhi e te tau whakarea te ako. I roto i te take o tenei CTP pea te tau o wahi o te kaiarataki o te noho, he ara ki te rokiroki cars, peia wheako, me ētahi atu Ko te aravihi ore o te taraiwa me te tuakana te motokā, te nui te mōrea ka whai i te kamupene ki te taupoki ana. i roto i te tahuri ka pā tenei te nui o te takoha. e kore e hipokina "Penny" kaupapa here nga tūponotanga katoa. E kore e te insurer whakarite i te kupu whakaari. Ka ngaro i te kiritaki moni me te inihua kapinga.

Ko te aroaro o te mōhio me ngā hōtaka e mateakí, i rerekē, he pānga pai i runga i te whakapakoko kamupene. kia whakaiti te kamupene nui te utu mō ngā kiritaki auau.

whakawākanga

I roto i te ao te o kamupene e runga i te rima kāwai:

• tino - te piha A;
• he taumata pai o te mōrea - Class B;
• taumata iti o te tika - Class C;
• kaihau - Class D;
• withdrawal o te raihana - Class E.

E anō wehea nga kamupene pai atu ki ngā rōpū e toru: pakari, tino pono, me te tino pakari.

He aromatawai o te ti'amâraa e kore e mō te kore utu. Na reira, ko te rangatira ngā kore katoa kamupene. I te wa ano, e kore e te ngaro o te kamupene i roto i te rārangi tikanga e kore e taea te whakawhirinaki reira. "Folk" whakawākanga arotake tohu ine, me ngā pokapū - kounga. Hei ahu kia nui atu iti iho tika ranei aromatawai kia haere i runga i ngā raraunga mai i ngā pūtake maha i roto i te kotahi wā roa.

Ko te tauine o te aromatawai "Tohunga RA"

Te ti'amâraa whakatauranga Russian nui rawa "Tohunga RA" tau whakahaere he tātaritanga taipitopito o nga mahi o kairīanga i roto i ngā huarahi maha. E runga nga āhuatanga katoa kia rite ki te tohu o te hiranga.

āhuatanga waho:

• rōrahi, akiaki o ngā rawa huringa, te tika whakapaipai, rīanga moni;
• tūnga o te whakahaere i runga i te mākete (whai wāhi i roto i ngā rōpū, ngā uniana, ingoa, waitohu, hononga ki ngā kaiwhakahaere me te whāiti);
• kāwanatanga rangatōpū (rangatira pea, te whakahaere mōrearea, anga whakahaere, hanganga, mārama o mahi);
• Matawhenua (he whatunga peka pai whakawhanakehia-).

pakihi inihua:

• kōpaki inihua (whänui o tūpono, te pai i te momo o te inihua);
• turanga kiritaki (te aroaro o counterparties tūturu rahi whakakore i te kirimana, ara o hoa kaupapa here tohatoha Reinsurance);
• ngā mahi Reinsurance (tika, tōtika, me te tiaki o te whänui, mōrea Reinsurance, te ōwehenga o te nui o te utu ki te tika).

E tātarihia tohu pūtea mō:

• tere me te whakaea;
• moni me te unprofitability;
• kaupapa here haumi.

Ko reira uaua ki te whakatau he aha te kamupene inihua pai e CTP. ka whai i te tika ki te tīariari Whakatauranga o "rongonui" pōti, ahakoa he mea tino tuakiri, me te kore e whāinga. I runga i te arotake o te iwi tūturu, me te utu e matakitaki ana ki ore, mai he ona e faahinaaro me hoariri katoa insurer. Ahakoa enei āhuatanga katoa, ka taea e tetahi whakaaro i te reo whānui o ngā kōrero e pā ana ki te kau taki o te mākete inihua, ki te whakatau i te kamupene inihua pai i runga i utu OSAGO.

"VTB Insurance"

whakatuwheratia Neke 16 tau o te oraraa o te rōpū inihua kua peka i roto i te 114 nga pa i roto i ngā rohe katoa o te Russian Federation. Paerewa & Poor o ti'amâraa ao whakaritea "VTB Insurance" Ko te teitei i roto i ngā kamupene Russian tauanga BB +. Ko te ti'amâraa "Tohunga RA" i roto i te 2015, kua whakarōpūtia te kamupene i roto i te pono tino. I tua atu ki ngā ratonga inihua motokā, te kamupene tuku te whānui o ētahi atu hua ngā: tiaki rawa, penapena, me te hōtaka haumi.

ROSGOSSTRAKH

Ko te rōpū inihua matamua i roto i Russia e ārahi i roto i te maha o tuwhera manga. I roto i te ao te o "Tohunga RA" kua te utu rawa utua, rāhui me ngā rawa Rosgosstrakh. I roto i te tahi mau rohe, take o maumaui o te ture kua tuhia, i te takoha kiritaki ki te hoko kaupapa here rīanga motokā. Hoki taua maumaui i roto i te whakahaere i te wa i tangohia atu i te raihana.

SOGAZ

He te nui tuarua nui o utu kohia i roto i te Russian Federation tetahi matua me te kamupene inihua pai CTP. Kei hanganga Rōpū o 9 pūtahi rohe, me te ke te taviniraa 14 miriona iwi, me te 40 mano. hinonga ture. Ko te painga matua o te whakahaere ngā te tino pai utu-te kounga o ngā kaupapa here CTP.

Ko te atamira whakamutunga

I mua i hanga e koe he whakatau whakamutunga, he mea e tika ana ki te haere ki te tari o te maha whakahaere ki:

• aromatawai i te taumata o te mahi;
• whakatau tata tono a te whakatairite ratou;
• ki te titiro i te tikanga o te kirimana.

Ko te kamupene inihua pai i runga i CTP kore anake tīpako tāke takitahi, engari ano hoki i te korero taipitopito e pā ana ki te mita taketake o te kirimana.

mutunga

Ko reira tino uaua ki te whakatau i inihua kamupene ko pai mo te CTP. He tuakiri, me te maha e pā ana ki tiketike tūmanako i runga i ngā utu Real iwi arotake. "Tangata," te whakatau ano hoki e kore e whakarato i tētahi aromatawai e tika o te huru pūtea. pūrongo e pā ana tātarihia i roto i te taipitopito e kaitätari ngaio kotahi te tau. Otiia ara ka kohia te mōhiohio katoa, he uaua ki te whakatau i te mea te kamupene inihua pai e CTP. I muri i te katoa, i reira he ano te take o te hapa te tangata, i nei kahore tetahi he ārai.