Izilinganiso zezinkampani zomshwalense ezihamba phambili ze-CASCO

Lapho umuntu ethenga imoto, into yokuqala, yebo, ucabanga ngokuphepha kwayo - i-alamu, ukucinga indawo yokupaka egadiwe noma igaraji. Kodwa-ke, noma iyiphi imoto ingahlupheka engozini, kusukela ezenzweni zamasela ezimoto, futhi uma ungekho umshuwalense we-CASCO, kuzodingeka ubuyisele imoto ngemva kwengozi ngokwakho, noma uthembele emaphoyiseni ethu anesibindi ukuthi amasela azokwenza. itholwe bese imoto ibuyele kumnikazi wayo.

Ngokusekelwe kukho konke lokhu, udinga ukucabanga ngomshwalense wemoto. Kunezinhlobo ezimbili eziyinhloko zomshuwalense eRussia:

• I-OSAGO - uqinisekisa isikweletu sakho, futhi uma kwenzeka ingozi ngephutha lakho, inkampani yomshuwalense ithembisa ukukhokha zonke izindleko zokulungisa imoto yeqembu elimele, lolu hlobo lomshwalense luyimpoqo;
• I-CASCO - uqinisekisa imoto yakho ngokumelene nokweba noma ukulimala.

Umshwalense we-CASCO uyabiza - izindleko zonyaka zenqubomgomo zingafinyelela phezulu 20% kusukela ngentengo yemoto. Kodwa, ukuba nenqubomgomo enjalo, akufanele ukhathazeke, ngoba inkampani yomshwalense izokukhokhela ukuze ulungise ngisho nokuklwebheka okuncane noma ukubola, futhi uma kwenzeka ukweba, ungathola yonke isamba sezindleko zemoto ezandleni zakho. .

Kodwa, njengoba kuvame ukwenzeka, izinkampani zomshuwalense azifezi ngaso sonke isikhathi izibopho zabo, futhi umnikazi wemoto ubhekene nombuzo - indlela yokukhetha inkampani enokwethenjelwa kakhulu nethembekile? Abaningi baqondiswa ukubuyekezwa kwabajwayelene nabo futhi baqinisekisiwe kulezo zinkampani ukuthi abangani bazobeluleka. Kodwa-ke, ungaphinda ukhethe umshwalense ngokusekelwe ezilinganisweni zezinkampani zomshwalense, ezihlanganiswa minyaka yonke ngama-ejensi wokulinganisa.

Ama-ejensi wokulinganisa aklomelisa inkampani ngayinye amaphuzu:

• A ++ - lolu phawu lubonisa ukuthi umshwalense unesilinganiso esiphezulu sokuthembeka;
• E - izinkampani zomshwalense ezinokwethenjelwa okungenani.

Futhi, ukulinganisa kwezinkampani kwakhiwa ngesisekelo sempendulo yamakhasimende, izilinganiso zisakazwa ngesilinganiso kusuka ku-zero kuya kumaphuzu angamashumi ayisithupha.

Okunye ukulinganisa okusetshenziselwa ukwakha izinga lezinkampani yiphesenti lokunqaba - ezimweni ezingaki amakhasimende anqatshelwe ukukhokha, kanye nenani lale nkomba nenani eliphelele lamaklayenti.

Ake sibone ukuthi izinkampani ezinkulu eRussia zitholakala kanjani ngokuvumelana nazo zonke lezi zinkomba.

KULUNGILE Izinyanga eziyi-12 ngo-2013 ngonyaka, isilinganiso esikalini sokuthembeka sibukeka kanje:

• Indlu yomshwalense "VSK";
• Umshwalense we-VTB;
• Ukuvuselelwa kabusha;
• RESO-Garantia;
• I-UralSib.

Zonke lezi zinkampani zithole isilinganiso esiphezulu sika-A ++ ngokuya ngemiphumela yokuhlaziywa kwe-ejensi yokulinganisa yochwepheshe yeRiphabhulikhi yase-Armenia.

Uma sibheka ukuthi izilinganiso zihlelwa kanjani ngokwe izinhlolovo zamakhasimende, bese isithombe sithatha isimo esihluke kancane:

• I-RESO-Garantia - amaphuzu angaphezu kwama-54;
• Ukwesaba. indlu VSK - 46 amaphuzu;
• UralSib - kancane ngenhla amaphuzu 42;
• Ukuvuselela kabusha - 39,6;
• I-Surgutneftegaz - amaphuzu angu-34,4.

Uma ubheka isithombe esekelwe ukwabelana ukunqatshelwa kwenkokhelo, bese izinga libukeka kanje:

• Ingosstrakh - 2 amaphesenti ukwenqaba;
• I-RESO-Garantia - 2,7%;
• I-Rosgosstrakh - 4%;
• Imvume - 6,6%;
• I-VSK - 3,42%.

Ngokwale coefficient, okungenani izindawo zokugcina ezinkampanini ezingama-50 zimi:

• ASK-Petersburg;
• I-RSTC;
• SK Yekaterinburg;
• I-Astro-Volga;
• Umthengisi.

Lesi silinganiso sihlanganiswe yi-NRA - Isikhungo Sikazwelonke Sokulinganisa, esakha isilinganiso saso ngesisekelo sedatha etholwe ezinkampanini zomshwalense ngokwazo. Kuyaphawuleka ukuthi i-SC iqhaza kulokhu kuhlola ngokuzithandela ngokuphelele, futhi abaningi babo abakhangisi imiphumela yomsebenzi wabo ngakho-ke abahlanganyeli esilinganisweni.

Lapho ukhetha inkampani yomshwalense ukuze ikhiphe inqubomgomo ye-CASCO, udinga ukunaka lonke uhla lwedatha:

• ukubuyekezwa kwabangane;
• imiphumela yezilinganiso ezizimele;
• imibono yakho yokuvakashela ihhovisi kanye nokuxhumana nabasebenzi.

Futhi okubaluleke kakhulu ukufunda ngokucophelela umbhalo wenkontileka futhi ungangabazi ukubuza ngakho konke okungacacile.

Lesi sihloko asisho ukuthi siyiqiniso kwasekuqaleni futhi siwumbono nje wombhali.

Iyalayisha...