Izimali, Umshwalense
Uyini Umshuwalense ezemidlalo ngomntwana futhi kungani kufanele bahlele
Ngamunye wethu, yebo, uyazi izinzuzo ezemidlalo, ikakhulukazi umzimba wengane. Kodwa ungakhohlwa ukuthi iyiphi imisebenzi yezemidlalo ephathelene ne-kuhlasimulise ethize. Ukuvikela impilo nokuphila umsubathi ezincane, abazali kudingeka nje umshwalense ezemidlalo ingane. "Rosgosstrakh", "Max", "Advant", "Ingosstrah2" nezinye izinkampani eziningi ziye eside enwetshiwe uhlu lwabo imikhiqizo umshwalense futhi uyakujabulela ukunikeza inkonzo efanayo.
Kungani udinga ukubhalisa umshwalense ezemidlalo
Njengoba sazi ukuthi izingane bamatasa kakhulu kunabantu abadala, futhi ngokuvamile zimane nje abakwazi ukuhlala athule, ezemidlalo eziningi amaqembu (ngisho chess namaqembu) nje ungathathi guys abangenayo umshwalense. Ngakho abaqeqeshi okungenani ingxenye asuswe umthwalo ukulimala abadlali bakhe. umshwalense oyisibopho Ikakhulukazi ezemidlalo imincintiswano, izimali kanye imincintiswano ehlukahlukene kanye uhambo, ngoba ngokuvamile kakhulu kuba "precompetitive" Isasasa izingane ukhohlwe ngokuphelele mayelana ngokuqapha.
Ukulimala likhona, unjalo sibi ukucabanga nganoma iyiphi ezemidlalo, uma ingane yakho unesithakazelo Checkers, yomshuwalense engenzi ivumelane kuye. Ngakho uma impilo ezibizayo kanye nokuphepha ingane yakho, qiniseka ukuthi akhiphe inqubomgomo. Ikakhulukazi ukuthi lolu hlobo umshwalense inikezwe kusukela ineminyaka emibili. Into esemqoka ukuthi izinyane uye khona emakilasini angu okungenani kanye ngesonto.
Yini kuyahlanganiswa kuleli umshwalense
Kukholakala ukuthi umuntu wesilisa umdlalo more kuhlasimulise kunokufa kwabesifazane, kodwa akuyona. Yiqiniso, ibhola noma hockey isiphakamiso bandisa inkonzo ukuthi igcwele ukuwa kanye waphuka, futhi lutho lokuxhumana ezemidlalo - karate, isibhakela, Aikido, Sambo abanye - futhi ayikwazi ukukhuluma. Kodwa amantombazane Awukude ngemuva kulokhu: sibalo ukushushuluza, acrobatics, yokuzijwayeza, ballroom ukudansa kanye nemidlalo - lokhu akulona uhlu oluphelele zinhlobo ezemidlalo ukuthi anesikhundla okuholela uhlu okubuhlungu kakhulu.
izinto ezengeziwe
Uma iqhawe abasha uhambela imincintiswano kweminye imizi noma ngisho kwelinye izwe, yomshuwalense ezemidlalo ngomntwana kufanele wandisa nge izinto ezengeziwe. Kukhona kungafakwa impumuzo uphawu for yizifo ezingamahlalakhona, kuba search and khulula, travel yokuhlala omunye izihlobo, uma ingane livelile eziphuthumayo, ezokuthutha nesineke endaweni yokuhlala unomphela, kuhlengwe indiza, nabanye. Izindleko kwenqubomgomo ngesikhathi esifanayo kwandisa kancane, kodwa abazali bangaqiniseka ukuthi uma kwenzeka noma yini, ingane yabo ngeke ukuya enkingeni wedwa.
izindleko sportstrahovki
Mhlawumbe enye yezinkinga ezinkulu ukuthi abazali unesithakazelo - singakanani kuzobiza umshwalense ezemidlalo ingane. inani layo esimweni ngasinye ibalwa ngamunye futhi kuncike ezintweni eziningi.
Nazi ezinye zazo:
- Okokuqala, intengo inqubomgomo lincike ohlotsheni ezemidlalo, elibhekene nomse- ingane - ungaba yingozi enkulu, i-ezibizayo.
- Igama elithi inqubomgomo - lapha kubalulekile, mangaki izinsuku yomshuwalense ikhishwa. Inqubomgomo kungenziwa ikhishwe Unyaka wonke, futhi Ungavikela ingane izinsuku ezimbalwa, isibonelo ngesikhathi mncintiswano. Ngokusobala, emifushane isikhathi isenzo inqubomgomo, ngakho-ke ushibhile.
- Isamba oVikelwe - lapha kubalulekile ukuqonda ukuthi ukukhokhelwa enkulu Ngabe ulindzele esimweni ukulimala, le ezibizayo kuyodingeka bakhokhe for umshwalense.
- Ukusabalala - izindleko umshwalense, sisebenza kuphela ku-insimu yase Russia incane kakhulu kuka intengo inqubomgomo yokuhlawula ngaphandle kwezwe.
- Ubudala wengane - ngokuvamile ingane encane, abazali ngaphezulu kuyodingeka bakhokhe ukubhaliswa umshwalense.
- On izindleko inqubomgomo nazo zathonywa izinto ezengeziwe ezifakwe kulo, ezifana ekwelapheni ukulimala usebenzisa izimpahla ezibizayo.
Izici yesivumelwano
Uma unquma ukuthi umshwalense ezemidlalo ngomntwana - ilula ngokwanele, khona-ke kukhona okungalungile. Ungenciki ubuqotho umphathi enkampanini yomshuwalense. Ngaphambi kokusayina inkontileka, kuyoba ufunde ngokucophelela. Ikakhulukazi silitadisha ngokucophelela lezo izinto yesivumelwano, okuyinto lelipelwe izimo ukuhlukumeza ku isinxephezelo uzobe inqatshelwe ngaphansi kwazo.
Ngokwesibonelo, uma lo msubathi ukwephulwa izimfuneko futhi isixwayiso ngezingozi izifundo waqhubeka olimele aphathwe kuyodingeka ngezindleko zabo.
Ikakhulukazi sinake iphuzu mayelana ukutholakala utshwala egazini. Yiqiniso, wonke umzali uyaqiniseka ukuthi ingane yakhe ngeke kube ungaphuzi utshwala, kodwa umkhuba libonisa ukuthi intsha lokweqa ngaphansi kokuhlolisisa (isibonelo, uma uvakasha imincintiswano kweminye imizi), ngezinye izikhathi abavuma kakhulu.
Futhi, qiniseka ukuba banake ukubaluleka franchise - lena mali esincane, okuyinto ayifakiwe wenkokhelo Imininingwane. Ngokwesibonelo, uma ezikhokhiswayo kuyinto ruble 1,000, futhi ekwelapheni ingane ngemali 900 k., Inkampani yomshuwalense akufanele kufanele ukhokhe lutho.
Indlela ukhokhelwe
Okokuqala, noma yikuphi ukulimala udinga ukuba afune usizo lwezokwelapha ngokushesha. Udokotela kumele qiniseka ukulungisa ingozi sikunikeze isitifiketi, esidingeka yokukhokha.
Khona-ke kudingeka ukuba esikhathini esizayo esiseduze - ngokuvamile esikhathini esingeqile ezinsukwini ezingaphezu kuka-3 - ukwazisa izinkampani zomshuwalense sigameko nganoma iyiphi indlela ongase uzivikele ngayo. Izisebenzi zale nkampani uzokweluleka uqhubeka kanjani futhi uyale, lokho arekhoda kudingeka alungiselele. Ngokuvamile, uhlu libukeka kanje:
- isicelo sokukhokhwa;
- umshwalense noma ikhophi yayo;
- iphasiphothi civil umzali oyedwa (insured);
- isitifiketi sokuzalwa sengane;
- Inombolo ye-VAT umamukeli bese i-akhawunti yasebhange lapho ukukhokhelwa izofakwa.
Uma nomsubathi ilimele, engahambisani ukuphila, futhi kudingeka isitifiketi sokufa (ikhophi yokuqala +), kanye umbiko wezempilo imbangela yokufa. Ekusunguleni yikuphi ukukhubazeka - Umbiko wezokwelapha izimbangela irisidi yayo kanye ikhophi kwasayinwa we MSEK isitifiketi.
Kukhethwa inkampani yomshuwalense
Lena ngenye yama amaphuzu ezibaluleke kakhulu okufanele ukuba unake, uma udinga umshwalense ezemidlalo ingane. "Alpha Insurance", "RESO-Isiqinisekiso", "Ingosstrakh", "Renaissance", "Liberty" - okuyinto inkampani ukukhetha? Yiqiniso, kukhethwa inkampani yomshwalense kufanele wasondela njengento ebaluleke kakhulu. Ngaphambi kokungena esivumelwaneni hhayi lazy khulu baqoqe okwengeziwe ngomshuwalense. Nazi Izibuyekezo usizo abangane, abasebenzisi Inthanethi ezithangamini ezehlukene. Ikakhulukazi ukufunda ngokucophelela imibono engakhi, ngoba kubo ngokuvamile kungenzeka ukuthola ulwazi mayelana izingibe ezahlukahlukene. Vakashela Amahhovisi eziningana futhi ngokucophelela uhlole izimo ezihlongozwayo.
Ezemidlalo umshwalense ngomntwana - it unesibopho kakhulu nobalulekile, ngakho kufanele kubeke ke ochwepheshe. inqubomgomo qualitative kusiza abazali bazizwa ukuzola, futhi unikeze ukuzithemba ukuba lo msubathi abasha.
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