"I-Companion" (inkampani yomshuwalense): ilayisensi ichithwe. Yini okumelwe uyenze? Kuphi?

Namuhla ezindabeni ezingasho ngokuvamile ungabona ulwazi enye inkampani yomshuwalense elahlekile ilayisensi nemoto yayo abanikazi abangekho amakhasimende ayo abazi ukuthi kufanele enzeni izigxobo zazo. Abanye bakholelwa ukuthi akunakwenzeka ukuba uthole iqiniso futhi ulethe ukutshalwa kwezimali akuzona ngempela. Abanye benza enkantolo futhi kunenkolelo yokuthi umthetho kuhlinzekelwe izimo ezinjalo, futhi ngokufanelekile, izindlela ekuxazululweni ezinjalo.

Kuze kube manje, inkampani yomshuwalense "Companion" ilayisensi ichithwe. Yini abayijabulelayo labo kukhona amaklayenti lokhu inhlangano? Indlela ukwazi kusengaphambili ukuthi UK ungase ulahlekelwe ilayisensi yayo? Ingabe kukhona ithuba ukuze ibuyisele le mali? Cabanga konke ukuze.

Yini izinkampani ngokuvamile awela stop-uhlu Central Bank

Central Bank kakade ivaliwe izinkampani mayelana 31 no-17 izinkampani zomshuwalense yangasese. Izinyathelo ezinjalo zithathwa ngokumelene amafemu ukuthi uhluleka ukuvuma ukwenza nezidingo Central Bank mayelana ukuzinza kwezezimali kanye solvency kwenhlangano. Ngakho, uma inkampani ayizange ukuqinisekisa ukuthi isimo sayo ezingokwezimali, SC ezinjalo - yimali, ngokulandelana, basuke sangena stop-uhlu futhi akasakwazi bafeze imisebenzi yabo ku-umshwalense yokuhlala.

Kaningi ulahlekelwe Amahhovisi ilayisensi yabo loniketa Central Bank of idatha alithembekile ku ezitatimendeni zezimali. Ngokuvamile lokhu kwenziwa ukuze yakha izinqolobane umshwalense. Nokho, Umlawuli izincomo ngaphandle ikhumbula ukuthi yena, kuyicala kuhle sina.

Ngokusho imithetho iqembu umshwalense "Companion" ilahlekelwe ilayisensi yayo futhi ashaya stop-uhlu Juni 3, 2015.

Ngenxa yalokho umuntu uyaya ku sokwesulwa kwelayisensi

Kufanele ngokushesha kuthiwe ekunqanyulweni yomsebenzi yenkampani kungenzeka kubangelwa isisindo izizathu. Kukhona amacala lapho Central Bank okuthunyelwa okufunwa inhlangano, kodwa uthola kubuyiselwa. Lona isignali yokuqala imisebenzi yenkampani abazenzi kahle. Yiqiniso, ke ukuqala ukuhlolwa global, phakathi kwesikhathi lapho ukwephulwa siyachazwa.

Kuyadingeka ukuqonda ukuthi sokwesulwa kwelayisensi - kuba isilinganiso kakhulu ukuthi ukuze kuxazululwe izinkinga kuphela uma kwenzeka ukuthi umshwalense awaphendulanga nezinye izindlela ukuxhumana.

Ngaphezu kwalokho kuhle ukucabangela ukuthi uzothini, ukuthi UK "Companion" kuyinto yimali, ayilungile. Kusukela kulokhu, akukho izinkinga ngesikhathi abathengi amasevisi umshwalense ngeke nhlobo.

uMhlayi wosuku

Uma lokhu isilinganiso izifo, zonke izisulu, baqinisekiswa ngokuthi nelungelo liye esetshenziswayo maqondana nokufaka noma ngomshuwalense.

Ngokwengxenye enkulu, ucabanga yinqubo ezidingekile ukuqaliswa amafa UK. Lezo zinhlelo zivumela izinkampani ukuthengisa izimpahla ukuze anxeshezelwe ukuba lowo ophathwe kabuhlungu, okungukuthi, abashayeli kanye nezinye izikweletu.

ngongakwazi ukukhokha izikweletu lwezezimali lenkampani kubonakaliswa enkantolo. Kulokhu, umqalisi ingaba njengesihluthulelo kumnikazi wenkampani uqobo, kanye namakhasimende enganelisekile.

Umlando wenkampani "Companion"

Njengoba izenzakalo zaziqala ukwenzeka ngo-2015 futhi phambi. inkampani yomshuwalense "Companion" LLC wavulwa emuva ngo-1998 ngaphansi kwegama "Srednevolzhskaya ezokuthutha SK". Nokho, ngemva kweminyaka engu-6, ukuphathwa wanquma ukuqamba kabusha kwenhlangano "Sok".

Kusukela ngosuku lokuqala umsebenzi, izinguquko unomphela kwesakhiwo babonakala kule nkampani. Ukuze lokhu awumdikibalisanga amakhasimende, izinkampani zomshuwalense sinqume kabusha brand kanye nenkampani kabusha uqambe kabusha eqenjini umshwalense "Companion" ngo-2007.

Kusukela ngaleso sikhathi, UK iye iqhutshelwe phambili futhi pretty masinyane waba umholi MTPL futhi CASCO yokuthengisa. Ngo-2013, "Companion" wangena ngisho nakuwo sohlelo izinkampani zomshuwalense ngobukhulu Russian.

Okunjalo izikhundla kwanda kwakubangelwa ngenxa nje kuphela yokuthengisa nomshuwalense abashayeli yangasese. Le nkampani ngenkuthalo wayenikeza abantu izinkonzo ukuba izinhlangano ezingokomthetho. Ubude eRussia wavulwa 401 ehhovisi lenkampane.

It kwaku inkampani yomshuwalense "Companion" kuleli kheli: Samara, ul. Gagarin d. 141A, futhi okokuqala amaklayenti ushiye ehhovisi ngempendulo yakhe emihle kakhulu. Ngenxa izimo ezikahle inkampani yomshuwalense wakwazi uthole amakhasimende omkhulu bese uhola ruble 6.7 billion ngo-2013. Le mali ingu-87% ephakeme kunaleyo ngemali UK e-2012.

Ekupheleni kuka-2013, "Companion" isivele kufakwe PCA futhi ubelokhu ilungu izinhlangano ezahlukene umshwalense. Ngenxa imali kwenyuke kwakunokwenzeka ukuba aqhube umsebenzi nolaka yokukhangisa, futhi lokhu bazuza inkampani.

Nokho, ngo-Ephreli 2015 inkampani yomshuwalense "Companion" ivaliwe ngenxa yezizathu ezithile. ethukuthele amakhasimende inkampani ushayele ku hotline ucingo, kodwa akusebenzi.

Kungani yavalwa

Njengoba kushiwo ngaphambili, "Sok" iqanjwe kabusha. Kuze kube manje, akwaziwa ukuthi i-kwakuhlangene a rebranding. Nokho, cishe, abanikazi "Sok" wamemezela ngokwabo yimali, ungase ufake kabusha okwathi ngemva kwalokho ngeke emakethe nge "esilufifi" igama.

Naphezu kwazo zonke lezi amadivaysi zayo, ukuphathwa "Companion" ayikwazanga ugcwalise zonke izidingo ezidingekayo of Central Bank, futhi umphumela waba ukuthi maqondana inkampani yokutholwa isijeziso eziqine - bokuhlukaniswa ilayisensi. Isizathu salokhu kwaba ukubuyekezwa eziningi engakhi amaklayenti le nkampani. abanikazi Car bakhale ngokuthi umshwalense engakhokhi imali futhi uyenqaba acabangele izitatimende zomphakathi kanye izinkontileka.

kumangala

Ekuqaleni, ngaphansi ngesinqumo sesiKhulu Arbitration iGceke Samara Region, inkampani kwathiwa ungeke uzithole usuwile. Phakathi nezinyanga ezingu-6 impahla ehhovisi kwaba ukuthi athengiselwe inzuzo abanikazi imoto abangazange wathola imali yabo.

Nokho, Izibuyekezo ezingezinhle kanye nezikhalo ezivela kumakhasimende ziye zakhonza njengabavangeli umfutho okwesikhathi kakhulu imisebenzi yokuhlola IC. I ukuhlolwa kuhlulekile ukumambula izenzo zobugebengu lwabaphathi inkampani. Yiqiniso, ngemva kwalokho, esigabeni esisha ezinkantolo. Kuze kube manje, inkampani yomshuwalense "Companion" ilayisensi ichithwe. Yini abayijabulelayo labo ngiye ngahlushwa izenzo zobugebengu lokhu inhlangano?

Indlela yokukhokha umonakalo CTP

Namuhla, emadolobheni amaningi Russian Federation namanje inqwaba amakhasimende niphanjwe. abanikazi Car ehlaselwe isenzo, abakwazi ukuthola isinxephezelo. Abaningi bamangala lapho bethola ukuthi ayikho incwadi inkampani yomshuwalense "Companion" ilayisensi ichithwe. Okufanele ukwenze uma ubhekene nesimo esinjena, sihlolisise.

Uma inkampani uye waba ilayisensi yayo Ubuyise ke indlela kuphela ukuthola imali - kuyinto ukufaka isikhalazo egunyeni zokwahlulela. Kuyadingeka ukulungiselela yesimangalo owandulela ukuqulwa kwecala, isifanekiso zazo zingatholakala noma endaweni ukwelashwa, noma RSA (Russian Union abanikazi Car). Inhlangano efanayo kungaba ukucacisa ukuthi inkampani yomshwalense bancishwa ilayisensi noma kwathiwa ungeke uzithole usuwile.

Ngo kwenta tinhlaka le icala uthi umnikazi imoto wamcela ukuba ubuyisele ngengxenye engasetshenziswanga premium. Kuyadingeka ukuba sicabangele ukuthi itemu simangalo eminyakeni engaba ngu-2. Ngakho-ke kubalulekile ukuba asheshise hhayi uyephuza isixazululo sale nkinga.

Ukulandelana efanele yezenzo simiswe ngalendlela lelandzelako:

• Ihlanganiswe isimangalo owandulela ukuqulwa kwecala, isifanekiso zazo kungabonakala kulesi sihloko noma ucele ku-SAR. Leli phepha (kumelwe kubonise akhawunti yomnikazi wemoto yasebhange lapho imali kufanele idluliselwe) zithunyelwe ngqo isevisi umshwalense.
• Ngemva ukuphathwa kwenkampani akasabeli isimangalo, isimangalo senziwa, okuyinto adluliselwa amandla wamajaji.

CASCO

Ukuze ukuqedwa kwenkontileka yomshuwalense ku wokuzikhethela kuthengiselana uhlobo kufanele uqale ukusebenzisa emnyangweni isiphetho izimangalo ekhethekile, okufanele kunhlangano nenhlangano enikeza izinkonzo ezifanayo. Ukuze wenze lokhu, ungathumela incwadi ehhovisi elikhulu bese ucela ukuliliswa.

Uma kungekho sinyathelo by UK kungenzeki, khona-ke kumelwe athathe isinyathelo algorithm efanayo endabeni le CTP.

Kungenzeka yini ukuba ibuyisele le mali

Ngokomthetho, ikhasimende inelungelo sephule inkontileka nesevisi umshwalense nganoma yisiphi isikhathi. Ngemva kwalokho, inkampani ubophekile ukuba ubuyele imali esele. Kodwa, njengoba umkhuba imibukiso, ukuvivinya umzimba akuyona into elula kangaka.

Enye "Companion" amakhasimende ukwabelana indaba yabo ezama ukuthola imali kusukela umshwalense budedengu.

Lapho benquma ukuthengisa imoto yakhe, wacela amasevisi yaleli hhovisi. Njengoba imoto yathengwa ngesikweletu, ezandleni abanikazi imoto babe nezimiso eziningana: MTPL futhi CASCO. Ukugcina kancane bese ucezu izimali ubuningi, umshayeli baphendukela "Companion". Ngemva kwesikhashana kwanqunywa ukuba sephule inkontileka. Lapho efika umnikazi imoto wahlangana ehhovisi isisebenzi kuphela, eyamtshela ukuthi ilayisensi ngokuqinile ichithwe. Wamema inkosi ugcwalise isicelo futhi unike idokhumenti ukubuya. Nokho, lokhu ephepheni awucacisanga nini futhi malini imali izobuyiselwa iklayenti. Emva kwezinyanga ezingu 1.5 isimo ayikashintshi.

Thola noma iyiphi incazelo ukukhohliswa iklayenti wayengakwazi ngoba ehhovisi ivaliwe, futhi ifoni ashisayo yomugqa akusebenzi.

Uma le ngozi yenzeke

Kunezimo lapho iklayenti inkampani yomshuwalense ehilelekile yomgwaqo engozini emva UK uye waba ilayisensi yayo ichithwe. Kulokhu, ukuthola imali isinxephezelo kungenzeka kuphela ngokusebenzisa izinkantolo.

Ukuze eNkantolo kubalulekile ukulungiselela iphepha, eqinisekisa ingozi, isicelo izinkokhelo umshwalense, nomshuwalense nginilungisela olandelwayo lokucasula zokuphatha.

Uma eenkambisweni zekhotho it is neshaya ukuthi inkampani waya yimali, amatlayenti ukukhohliswa kudingeke silinde ekuqaleni ucabanga ekuqhutshweni. Ngokuvamile ukudayiswa kwempahla izinkampani iqala phakathi kwezinyanga 3 emva ukuqashelwa ucabanga. Phakathi nalesi sikhathi, udinga ngokushesha ngangokunokwenzeka ukuthumela egameni umphathi ukulamula umbango elihambisana isicelo ngesicelo ukwengeza umnikazi imoto encwadini okubhalwa kuyo izimangalo abakweletwayo.

Ekuphetheni

Njengoba wawufunda umlando izimbangela yokuthi inkampani yomshuwalense "Companion" ilayisensi ichithwe, yini okufanele uyenze iba eqondakalayo. Nokho, kangcono futhi ongawi Esimweni esinjalo. Ukuze hhayi ukulahlekelwa imali, kubalulekile ngempela ukukufunda ngokuningiliziwe inkontileka ne ngomshuwalense. Lowo Mbhalo wangonyaka we kumelwe kwenziwe uhlu lwazo zonke izimo ezingenzeka umsebenzi kanye nemiphumela. Uma inkontileka alisho mayelana ucabanga kungenzeka noma ukulahleka ilayisensi, kungcono kuye, futhi akazange ngemvume.