Umshwalense Izikhangibavakashi uhambela phesheya kanti eRussia. imigomo abekelwe yona yokubhaliswa

umshwalense wezempilo ukunika ithuba ukuze zithole ukwelashwa kunoma yiliphi izwe. Isidingo kungase kuphakame kakhulu hhayi kuphela, kodwa futhi abathandi beach nokuphumula yobuchopho. Eminye imininingwane mayelana nokuthi umshwalense senziwa ukuhamba, yini izinqubomgomo ezikhona - ukufunda ku.

ulwazi olujwayelekile

umshuwalense wezempilo travel iyasebenza wonke amazwekazi. Uma isihambi akusho pre-eklanyelwe inqubomgomo, zonke izindleko ukuze bayothola ukwelashwa phesheya uyoba isinxephezeliso bebodwa. Kwezinye izimo, bangakunaki kungaba azisizi izinkulungwane zamaRandi.

Uma izivakashi iya ukuhamba ngobuningi, ukuklanywa amadili inqubomgomo nge inkampani yokulungisela abahambayo, futhi izindleko zalo isivele emananini semvume. Umshuwalense travel endaweni Schengen kuyimfuneko yawo ukuthola i-visa. Ngokuvamile, umshwalense ihlanganisa Ezimweni ezinjalo:

• ukubuya ekuqaleni;
• ukuhlinzeka ukunakekelwa kwezokwelashwa;
• mpahla izidakamizwa;
• kuthutha at yesifo esithile, ingozi,
• zokuthutha;
• ukunakekelwa okuphuthumayo yamazinyo, njll

Luhlu lolujulile izingozi umshwalense ebekiwe inkontileka. Ngaphambi kokusayina Umbhalo kufanele ngokuningiliziwe ukwazisa inkampani ngesimo sempilo yabo. I umshwalense ngeke ukhokhelwe uma:

• Izivakashi iyagula ngaphambi kokuhamba futhi eholidini yena esebenzisa isihluku lesi sifo.
• Kwakukhona wezidakamizwa noma wotshwala.
• Sekube ukuhluleka ukuhambisana nemithetho yokuphepha.

Isakhiwo inqubomgomo

Ukuthola icebo umshwalense zabahamba kunzima ngokwanele. Okokuqala, cabanga ngelithi imigomo ebekiwe inkontileka:

• Yemfihlo - inkontileka umshwalense.
• Pholisi - umuntu othenga inqubomgomo (umzuzi).
• Umshwalense (UK) - inkampani yomshuwalense, lapho ivala isikhala izindleko zokwelashwa.
• umcimbi insured - umcimbi ebekiwe inkontileka inikeza sokukhokhwa kwezimali ngaphansi kwazo.
• Sum insured - inani lemali elinganisiwe UK ilungele ukukhokhela inkontileka.
• Usizo - Service Inkampani, nomele impi yezwe izivakashi UK.
• Ezikhokhiswayo - inani lemali ezokwenza owebelwe. Ngokwesibonelo, inqubomgomo inikeza okwesikhathi Franchise in inani $ 30. Bill amasevisi sezokwelashwa $ 45. Kulawa, inkampani bayobuyela iklayenti 45-30 = $ 15.

Endabeni umshwalense kwesamba kumele bashayele Assistens ukuze uthole iziqondiso ezengeziwe. Score esihlobeni, besuka esibhedlela izinsizakalo zokunakekela ezempilo odluliselwe ngokushesha enkampanini yomshuwalense. Ezimweni ezingavamile, ikhasimende kumele akhokhe zonke izindleko ngokwakho. Khona-ke, lapho efika ekhaya, kufanele afake isicelo isinxephezelo zonke izindleko.

izinhlobo

umshwalense Izikhangibavakashi kungabandakanya:

1. Standard umshwalense inkontileka okuhlinzeka eziphuthumayo futhi ukuthumela ekhaya nesineke.
2. umshwalense Ingozi ngokuvamile ukuhlobisa abathanda ongaphandle. Uma ukulimala kuhilela ekulahlekelweni kwamandla ukusebenza, isinxephezelo kungase azisizi amashumi ezinkulungwane zamaRandi.
3. Ukuvikelwa uma yokulahlekelwa (umonakalo) imithwalo phakathi izinhlekelele, izingozi, imililo.
4. Lomshuwalense uhambo yokukhansela ngenxa yokugula iklayenti noma isihlobo salo, nokunqatshelwa visa, nokulimaza impahla yabanye. Lokhu kuzokwenza offset iyiphi izindleko ezihambisana ngilungiselela ukuya (air travel, indawo yokuhlala, izidakamizwa, njll).
5. isibopho sezomthetho umshwalense uma umonakalo kwabanye.

uhlelo lomsebenzi

Umshuwalense uyindlela yokuqinisekisa ukuphepha izakhamuzi. Isinxephezelo kungenziwa ngezindlela ezimbili:

1. Njengengxenye izikimu isinxephezelo zezivakashi ukukhokha zonke izindleko zokwelashwa kanye ukubuyela ekhaya kwenza wonke amarekhodi ukuze ukhokhe. Le nqubomgomo kumele uthenge uma umuntu kwesamba inemali eyanele ukukhokhela zonke izindleko.
2. Njengengxenye umshwalense inkonzo progarmmy uphetha isivumelwano nezinkampani zangaphandle kwamakhasimende phesheya. Kulokhu, ukukhokhelwa izindleko Kwenziwa ngokushesha uma umcimbi insured. Leli cebo isinxephezelo kuyinto ekahle izivakashi.

izindleko

Izinto ezilandelayo zizophendula kucatshangelwe ekuklanyweni inqubomgomo: ubulili, ubudala iklayenti, isikhathi uhambo. Inani wokuvakasha incike Ukusabalala komngcele. Inani isinxephezelo ezokwenza yonkhe izindleko kwezokulapha kungaba izinkulungwane zamaRandi. inqubomgomo Ubuncane izobiza $ 5 ngelanga muntu phakathi nokuvakasha kwazo kwelinye izwe.

Ngokuvamile, izinkampani ukunikela izinhlelo standard amakhasimende umshwalense, okungase kube nezingozi nemibandela. Ezinye izinkampani ukuthengisa inqubomgomo eziyisisekelo kuphela izinketho ezengeziwe, isibonelo, sizokwenza amakhasimende ukuba athathe lomshuwalense izingozi.

Inani elikhulu ine isikhathi kanye nendawo inqubomgomo. Uma ikhasimende esekhokhe umshwalense, ngokuba phesheya kakade, inqubomgomo kuyakuba uyize. Ngaphezu kwalokho, umshwalense sivumelekile ku insimu yezwe, okuyinto esibekiwe kuyo. Uma ngabe le ingenye yamazwe endaweni Schengen, umphumela inqubomgomo ngeke ngokuzenzakalelayo zisebenza kuzo zonke insimu yalo.

Futhi-ke, ukuthenga inqubomgomo kufanele kube izinkampani nge enokwethenjelwa ukuthi baye basebenza kahle emakethe.

ikakhulukazi izinqubomgomo

umshwalense Izikhangibavakashi akuyona imfuneko uma izwe lakubo noma ngaphandle komuzi. Inikeza ithuba ngisindise abathile isamba sezindleko zokwelashwa. Okuhlukile amazwe Schengen, lapho khona nqubomgomo adingekayo kokukhipha i-visa.

Ukuze uthenge inqubomgomo eziyisisekelo ukubuka isilinganiso se wokuvakasha kungakhethwa ngokuphelele. Izindleko imisebenzi zonke izinkampani imayelana okufanayo, futhi izinqubomgomo alethwe izimfuneko ezihlukene:

• yiqiniso kwalesi umshwalense kumele amboze yonke inkathi ukuhlala kuleli zwe + 2 amaviki;
• Umshwalense ikhishwa ngaphandle Franchise, kufanele ukhokhe wonke amasevisi izindleko meditsienskih kumele akhokhe inkampani yomshuwalense;
• inani lemali elincane isinxephezelo - ayizinkulungwane 30 euro ..

Amanye amazwe ukwamukela umshwalense ebhalwe ngesandla. Ivunyelwe yokubhalisa yenqubomgomo kuwo wonke amalungu omndeni. udinga ukunikeza ukuhlonza futhi ulwazi mayelana uhambo eyenziwe inkontileka.

umshwalense Ubuncane ukuya Russia - inqubomgomo yomshuwalense yezokwelapha eziphoqelelwe. Kodwa ihlanganisa kuphela ukuhlinzekwa izindleko zezokwelapha eziphuthumayo. Ukuze Inqubomgomo ihlanganisa izingozi ezihambisana uzijabulisa asebenzayo, kufanele uhlele umshwalense egcwele phesheya.

Yini imbozwe inqubomgomo

Nge umshwalense eziyisisekelo zingahlelwa, kodwa ukubona udokotela kuyodingeka isinxephezelo nezindleko eyabo. Umshuwalense uhambo phesheya - umakhi. Ungagcina futhi uthenge ingxenye noma oda iqoqo izibalo bese wakha inqaba. Kunjalo-ke nangobufakazi inqubomgomo. Ungakwazi ukudweba ephepheni visa noma ukuthenga ithuluzi eliwusizo.

inqubomgomo akhishwa kanjani

Ukuze umshwalense baba ewusizo ngempela kwamanye amazwe, kufanele ukungezwa inqubomgomo eziyisisekelo izinketho ezengeziwe:

• Sea uhambo - ukusiza nge yilanga.
• Trekking, ukuntweza phezu kwamagagasi, ogibele ihhashi, jet ski - umshwalense sokuzilibazisa asebenzayo.
• resort Ski - ngaphandle ngezemidlalo, bese wengeza yokusesha nokutakula futhi baphume.
• izifo - aid in exacerbation of "IziKronike".
• Uma ngamaholide okuhleliwe uhambo ngesithuthuthu, udinga ukuthenga igama inqubomgomo efanayo. Isinxephezelo uzokhokhelwa uma umshayeli ukhwele isigqoko sokuzivikela nezingubo kwadingeka naye ilungelo "A" isigaba.
• Izikhangibavakashi umshwalense kwabesifazane abakhulelwe ihlanganisa izindleko ezihlobene yezinkinga sokukhulelwa. I asondeze ngokuzalwa, mancane amathuba ezokwenza kube semthethweni inqubomgomo. Ngokuvamile, inkontileka umshwalense kuphothulwe, Uma iminyaka yobudala sokukhulelwa zamaviki 12-24.
• Usizo nge ukudakwa alkogolnogm singanikezwanga yibo bonke izinkampani. Kulokhu, isinxephezelo uzokhokhelwa uma ukudakwa kwaba imbangela yale ngozi. Abaningi kulokhu incike udokotela. Kumelwe ukucacisa nokwanela isiguli. Ukuhlolwa for okuqukethwe igazi utshwala akuvamile.
• Uma ufuna ukuvikela izinto zakho, engeza umshwalense empahleni. Uma kunjalo kulahleka, UK uzokhokha 500-2000 zamadola. Ukuze uqhathanise, isinxephezelo kusukela yezindiza kuyoba $ 20 per kilogram umthwalo.
• Umshuwalense phesheya ngemoto izovala izindleko zokulungisa imoto ngemva uhambo.
• Umshwalense indiza ukubambezeleka sihlinzekela lokukhokha isinxephezelo for ihora ukulinda, kusukela lesihlanu ngayinye.
• Umonakalo owenziwe komunye umuntu ngephutha, inqubomgomo utawufaka civil Ukuvikelwa isithiyo. Uma umshwalense, ngokuba nizithibe, ngephutha bashayisana omunye skier, SC ukukhokhela ukwelashwa yokulimala, futhi uthenge esisha eqhweni isisulu.
• Uma uhambo sikuhlela kusengaphambili, kubalulekile ukuba ukuthenga inqubomgomo uma kwenzeka-non-kokuhamba phesheya. Izindleko for amathikithi lendiza, kwamahhotela kanye nezinye izinsizakalo uzobuyiselwa uma iklayenti igula izinsuku 2 ngaphambi ukuhamba noma cha ukuthola i-visa.
• izimali engeziwe wokubuyiselwa impilo ingatholakala ngaphakathi kohlaka inqubomgomo yengozi. Uma isakhamuzi eholidini iphula emlenzeni, bese, ngaphandle ukwelashwa kuleli zwe aphethe, ngaphezu lapho esebuyele kwelakubo, uyakwamukeliswa isinxephezelo nokuvuselelwa.

Okufanele ukwenze ukuze uthole imali

Insurance Company (SC) izovala izindleko zokwelapha kuphela nezikhungo zezokwelapha, nabo-ke ongene inkontileka. Ngakho-ke, uma umcimbi insured kufanele abize inkampani yesevisi kukhasi inombolo yocingo ukuze uthole oxhumana nabo izibhedlela nodokotela. Kuyadingeka ukuchaza ngokuningiliziwe dispatcher kube isimo ukuze zilawule inombolo inqubomgomo kanye ngocingo. Ngokusho la idatha Kwenziwa ukuhlonza iklayenti, okuyinto wenza sikwazi ukunquma inani losizo. Uma oluphuthumayo lwezokwelapha enikeziwe ngaphambi ucingo kuhlulekile e-UK, udinga ukunikeza abasebenzi inqubomgomo esibhedlela bese uzama ukuthola ngokusebenzisa dispatcher.

Umshuwalense umsebenzi travel, uma iklayenti efeza zonke imibandela ebekwe kule nqubomgomo. Ngakho-ke, kubalulekile kusengaphambili:

• Londoloza inqubomgomo ifoni njalo ningathwali nawe.
• Xhuma uzulazula noma ukuthenga ikhadi SIM bendawo ukuze ukwazi ithintane SC. Ihhotela angasebenzisa Skype noma ushayele reception yethu.
• Oku-bajwayelane imigomo yenkontileka, ukuze ukwazi lapho izimo kuyodingeka uxhumane inkampani, kodwa uma udinga kuphela ukubala on ngokwakho.

Endabeni umshwalense kufanele:

• Shayela inkampani-Usizo efonini ebekiwe kule nqubomgomo. Yazisa inombolo inqubomgomo opharetha, inombolo yakho yocingo, indawo, ubunjalo inkinga. Uma udinga ukunakekelwa kwezokwelashwa, opharetha uzokwazisa ikheli esibhedlela bese uthumela incwadi isiqinisekiso njengobufakazi bokuthi amasevisi yokukhokha. Kwezinye izimo, isinqumo zingafundwa ngaphakathi kwamahora ambalwa. Ezimweni ezibucayi, kudingeka ukubiza i-ambulensi inkonzo yezokwelapha, bese ubuya e-UK.
• Umlawuli esibhedlela ukuze siqiniseke ukuthi inkampani ithumele incwadi isiqinisekiso. Uma kungaqali, esibhedlela uzocelwa ukukhokha ngokheshi noma ushiye passport yakho njengoba idiphozi. Ukwenza lokhu akunakwenzeka. Kuyadingeka ukuba ushayele Usizo futhi ukuqonda izizathu ukubambezeleka.
• Ngesikhathi socingo lokuqala e-UK kumele wavumelana opharetha inkambo.

Uma kukhona okungahambanga kahle, udinga:

1. Lunga ukukhokha ngokugcwele yonke kubiza wena Kulokhu, lapho ngibuya ekhaya noma inkampani ivala zonke izindleko kuyoba noma ngokugcwele ukukhokha imbuyiselo. Icala lesibili kungenzeka uma pholisi akusho aziswe inkampani ngengozi.
2. Uma ungavumelani ngosizo isinqumo, futhi bakhokha zonke izindleko ngokwakho, ekufikeni ekhaya, kumele zingakapheli izinsuku ezingu-30 ukuba zisebenze UK ukuthola isinxephezelo. VTB Umshuwalense travel uzokhokhelwa uma, ngaphezu isicelo uzobe ephelezelwa:

• inqubomgomo
• Amarekhodi Ezokwelapha, ebonisa lesiguli igama, uphethwe, usuku ukwelashwa.
• I isiqondiso ucwaningo.
• Obufana okubhala, okuyinto libala ngezidingo, futhi okufakiwe ubufakazi bokukhokha.
• Ngencwadi kadokotela kusuka odokotela izikweletu (amasheke) kusukela ekhemisi.

Izikhangibavakashi Insurance "Rosgosstrakh" eminye ivala ngocingo Bill kanye itekisi, uma umshwalense uzokwenza amakhophi yale mibhalo.

isiphetho

umshwalense Izikhangibavakashi lifana umklami "Lego". Iphakheji eziyisisekelo kuvumeleke kuphela i-visa. Endabeni umshwalense ukuthola isinxephezelo evamile ngoba ngeke zisebenze. Inqubomgomo kumele eqoqwe phezu "amabhlogo wokwakha" okungukuthi, ukwandisa inani Ukusabalala ngesisekelo izici uhambo.