Yiziphi izinhlobo ezahlukene izinsiza umshwalense. Wazi kanjani?

Yiziphi izinhlobo ezahlukene izinsiza umshwalense. Vumelanani ngokuthi, isicelo esinjalo bangase bamangale. Kodwa bangaki azi amasevisi ezifana ncamashi are you? Abaningi bayasazi ukuthi kumelwe uzame ukuvikela imoto ekuphileni kwakhe. amasevisi zesimanje zomshuwalense, izinhlobo zazo njalo ziyanda, emelelwa uhlu enkulu zenyathi kwenani okungukuthi ijwayelekile abantu abaningi.

Ngaphezu kwalokho, inani elikhulu izinkampani kule mboni kunomthelela ukuhlanganiswa zalezi zinkonzo futhi lokho yonke imikhakha inkonzo. Yini eyenza? izinhlobo ezahlukene izinsiza umshwalense sesiseduze ikhasimende sekupheleni.

Cabanga ezidume kakhulu, pre-breaking zonke izinhlobo amaqembu.

umshwalense siqu

Isigaba sokuqala sihlanganisa:

1. Umshuwalense wokuphila. Umuntu ongangena inkontileka for ethile. Nge lolu hlobo ethandwa kakhulu kuwumshuwalense isipho. Ukusebenzisa lesi simiso, ngomshuwalense kwenza izinkokhelo zenyanga. Kancane kancane, Ngakho-ke, zanqwabelana imali enhle. Uma lokuvela yesivumelwano, bese imali inikezwe of inkampani futhi basengaba intalo, okungukuthi uhlobo idiphozi ukuthi uzokhokhelwa emndenini umuntu kwesamba kwenzeka sokufa kwakhe.

2. Kusukela izingozi nokugula. Uma ucelwa, Yiziphi izinhlobo ezahlukene izinsiza umshwalense, okuyinto obaziyo. Futhi ungakhohlwa mayelana umshwalense, okuyinto esetshenziswa zonke izinhlangano ezinkulu, bezama ukunciphisa ingozi ukulahlekelwa ngenxa emsebenzini noma usebenza ingozi emsebenzini. Lolu hlobo kuyaziwa izidingo siqu, kanye commercial. Abantu ozama bazivikele uma kwenzeka ukuthi ngenxa yezizathu ezingaphezu kwamandla abo ngeke usaba khona ngokomthetho lokhonako imali. Kukhona ezinye izinhlobo imisebenzi, lapho umuntu kuyoba nzima ukuze azivikele izingozi emsebenzini kanye nezifo: abavukuzi, bezindiza, izindiza, ezempi, kanye nabanye. Into ebaluleke kakhulu - ke kuba phambi usayine inkontileka, ukuhlolwa udokotela futhi lemibuzo ukuze ukhombise imiphumela. Kungenjalo, esimweni umcimbi kwesamba inkampani ingase nje bayenqaba ukukhokha, bephawula lokuthi wena ngalifihla ezifweni zabo.

3. umshwalense Medical. Uma ucabangela izinhlobo zamasevisi umshwalense eRussia, singaphetha ngokuthi lokhu akukona athandwa kakhulu eRussia. Kulokhu, kubalulekile kwamanye amazwe emhlabeni angaphandle saziso. Kushiwo izinkokhelo zenyanga ku indlela yokukhokha umshwalense.

uhlelo uxhaso

Lapho, isibonelo, udinga ukuya wamazinyo, inkampani ukhetha, ngeke ikhokhele izindleko zokwelashwa. Lena elula kakhulu, ukuze okufanayo ezinhle izindleko ukwelashwa ngempela eqolo, futhi ukhokhe ngqo akuyona abaningi. Kancane kancane, esikhathini Russian Federation, inani izinkampani zomshuwalense eziye wasayina inkontileka ku yezokwelapha ukuvikeleka kwezezimali liyakhula, kodwa ikakhulukazi abantu abahola ngaphezu isilinganiso.

umshwalense impahla

Eqenjini lesibili kunalezi zinhlobo ezilandelayo:

• Umshwalense izimoto zomphakathi. Ethandwa kakhulu zaloluhlobo nangesigqoko okugcwele esinqunyiwe. Nge ukubhalisa CASCO abantu bangase babe nezinkinga. Okokuqala, kuyabiza kakhulu, futhi akubona bonke imishini afaneleka, njengoba izinkampani zomshuwalense asethe imikhawulo yabo yobudala futhi ukubaluleka emotweni. Uma imoto endala (ikakhulukazi lingenyuswanga, uma iminyaka engaphezu kwengu-7) noma ebiza kakhulu, akuzona zonke izinkampani zomshuwalense bazimisele usayine inkontileka nawe amasevisi abo.

• Ukuvikela air zokuthutha. Njengoba umoya ezokuthutha akuyona njengoba kuvamile, akuzona zonke izinkampani zomshuwalense sebelithathile ukunikeza iziqinisekiso zezimali ngoba imoto esinjalo. Inani izinkokhelo ngaphansi izivumelwano zomshuwalense air zokuthutha iphakeme kakhulu kunanoma esimweni komgwaqo.

• Umshwalense zokuthutha amanzi. Empeleni, lolu hlobo ingenzele abanikazi imikhumbi abafuna bazivikele uma kwenzeka ukuwa yayo.

• Ukuvikelwa wezimpahla. It is a service athandwa kakhulu, okuyinto ngenkuthalo esetshenziswa ukuthutha izimpahla. Kubalulekile kakhulu ukuze siqiniseke ukuthi uma zokuthutha kuhlulekile of ezibalulekile inkampani yomshuwalense wezimpahla bayocabanga icala futhi akhokhe isinxephezelo.

umshwalense isibopho sezomthetho

umshwalense Ugibe libhekisela eqenjini lesithathu, futhi kuhlanganisa:

1. Eqinisekisa kuhilele ecaleni elimayelana nezakhamuzi abanikazi bezimoto. Uma ucelwa ukuba ukhumbule izinhlobo umshwalense yaleli qembu, shayela izinhlobo ezahlukene izinsiza umshwalense, phakathi lapho basho futhi "avtograzhdanki." Kuyinto elungile ngaphezulu ukuze ushayele le umshwalense inkonzo isithiyo. Ngo izinkampani ibizwa ngokuthi CTP. Ngokusho umtsetfo lokhona we RF kuhilele ecaleni elimayelana nezakhamuzi yabanikazi ngokuphelele zonke izimoto kumele oVikelwe.

2. umshwalense Ugibe yenethiwekhi. Kakhulu, kuba umbono kumele. Kulokhu, lanikeza ingozi umonakalo noma ukulimala abagibeli. Into esemqoka (sikhohlwe ukuthi bonke abasebenzisi amatekisi kanye nezinye izinsizakalo ibhasi) - njalo thatha ithikithi. Ngenxa yokuthi ukuhamba akuvunyelwe ngaphandle ithikithi.

Lokho bonke

Eqinisweni, uma uchwepheshe ukubhekana esinamandla ngamazwi athi: "Yiziphi izinhlobo ezahlukene izinsiza umshwalense", - ekhumbula imali inkulu kakhulu kunangendlela kuboniswe kulesi sihloko. Kuleli zwe lanamuhla ongavikela ukuthenga okuthile obalulekile phakathi corporations, amafa, kwemali, nokuningi.

Ngo inqubo ukuthuthukiswa kwezinsizakalo umshwalense, izinhlobo zazo ukuthola ngokuqondene idiphozi kanye nempesheni iziphakamiso ziyingxenye ebalulekile yomphakathi. Uma umcimbi insured akwenzekanga ke isitoreji njengoba inkonzo nje uthole imali yakho emuva.