Umshwalense Siqu izakhamuzi eRussia.

Injongo yomshwalense uhlale isifiso ukuqinisekisa libe nekusasa elilondekile, kungakhathaliseki izimo ezingalindelekile. Izinkampani zemishuwalense ukunikela abantu kuvikeleke izidingo siqu (ie ukuphila, impilo, ukukhubazeka) phezu okuvela ingozi kanye nethuba buthelela imali ethile. Lezi ubudlelwane zomthetho ezihilela umshwalense, insured, insured.

Ngesisekelo umshwalense inkontileka siqu, ngomshuwalense kufanele, esimweni nesenzakalo izenzakalo ezithile ukuze ukhokhe (kanye noma ngezikhathi) lemali kwesamba ikhokhwe kubo zabo ukuze bakhonze izithakazelo umuntu kwesamba. I umshwalense okhokhela isamba oVikelwe ngenxa premium umshwalense.

Kubalulekile ukuba banake ukunemba umshwalense siqu. Lesi isivumelwano sisuke zomphakathi kanye ikhombisa zokuvikeleka komphakathi ngalokho okushiwo ngabanye. Inkampani yomshuwalense ubophekile ukuba isivumelwano nanoma yimuphi umshwalense isicelo futhi nomshwalense wokuvikela ngentengo isethi ngaphandle indlela ngamunye.

I ebalulekile imigomo yenkontileka ngokuhambisana st.942 Civil Code of the Russian Federation kufanele licaciswe ku isivumelwano lomuntu kwesamba, ubunjalo umcimbi insured, usayizi isamba oVikelwe, isikhathi sokusebenza yesivumelwano.

Umuntu oVikelwe kufanele ikhishwe umshwalense (isitifiketi, isitifiketi), engesiyo sivumelwano siyalandelwa, futhi uqinisekise isiphelo sesimiso inkontileka yomshuwalense siqu.

Umshwalense inzuzo uma umcimbi insured libizwa izibambiso. umshwalense Siqu izakhamuzi Russian inikeza iyiphi izithakazelo izakhamuzi exhunywe ne ubuntu umuntu.

Ngo umshwalense siqu, ngokuvamile ukuhlonza eziningana izinhlobo: umshwalense wokuphila, ingozi kanye umshwalense ukugula yezokwelapha, impesheni, ayakhula.

Elivela kuzo izimangalo umshwalense ngaphansi yomshwalense lichazwa ngokuthi Usuku okuphela inkontileka, lapho umuntu oVikelwe wahlala, noma ukufa oVikelwe esikhathini yesivumelwano (ngaphandle ukuzibulala namanye amaqiniso sokufa).

Lomshuwalense izingozi nezifo kunikeziwe kwesamba phezu okuvela izenzakalo baphathe eyingozi empilweni futhi okubangela izindleko ezengeziwe: izingozi, ukugula, ukukhubazeka.

umshwalense Medical (saziso futhi ngokuzithandela) - uhlobo zokuphepha siqu izakhamuzi ', okuvumela uma umcimbi kwesamba ukuhlinzeka usizo lwezempilo kanye izinyathelo.

umshwalense Private kungathatha yomshuwalense ifomu kanye umhlalaphansi yokulondoloza, lolwehlukanisa okuyinto kancane ka randomness.

umshwalense Siqu eRussia kungaba tekutiktsela naletibekiwe.

umshwalense okuphoqelekile kusekelwe federal nohlaka lomthetho ukuze kuvikeleke uquqaba ezibanzi Isithakazelo. Izinhlobo yomshuwalense okuyimpoqo letiniketwa ngumbuso: saziso yangasese umshwalense umgibeli, umshwalense siqu servicemen nezigaba akhiwa yezakhamuzi, umshuwalense wezempilo ayimpoqo, umshwalense imoto isithiyo.

Endabeni umshwalense nanoma uhlobo umshwalense siqu umuntu kwesamba liyadingeka ukwenza ezinye izenzo ilungelo inkampani yomshuwalense uye wenqaba ukukhokha yomshuwalense. Phezu kokuthola ulwazi okuvela kuyo umcimbi, udinga ukuze amemezele abagunyaziwe, elihambisana kunjalo (amaphoyisa womgwaqo Ministry Interior, Eziphuthumayo Ministry, Ministry Interior, njll). Ngosuku olufanayo ukwazisa inkampani yomshuwalense ngengozi, ngoba ezinsukwini ezimbalwa ukukhipha isitatimende esibhaliwe. I umshwalense kumele kube uhlu kwemibhalo edingekayo eyethulwe inkampani yomshuwalense ukukhokhwa yesondlo.