Izilinganiso zezinkampani zomshwalense nge-OSAGO ngo-2014/2015

Ukuthenga inqubomgomo ye-MTPL bekuyisidingo esiyimpoqo kusukela ngo-2002. Kusukela lapho, cishe bonke abashayeli bezimoto bahlushwa umbuzo ofanayo - ukuthi iyiphi inkampani yomshwalense okufanele isayine isivumelwano sokuqinisekisa isikweletu sabo.

Njengomthetho, abashayeli banaka izici ezilandelayo:

• ukusebenza kahle ekukhokheni isinxephezelo;
• izinga lesevisi;
• ukubuyekezwa ku-inthanethi, ukubuyekezwa okuvela kubangani nozakwabo;
• inombolo yamakhasimende ale nkampani.

Ngaphambili, kwakukhona nesici esinjalo njengezindleko zenqubomgomo, kodwa namuhla ilahlekelwe ukubaluleka kwayo, njengoba kunezindleko ezihleliwe, okuyinto kumshayeli onikeziwe izofana kunoma iyiphi inkampani yomshuwalense eRussia.

Sesivele sibhale emakhasini engosi yethu yezimoto i-Vodi.su mayelana nokuthi intengo yenqubomgomo ye-MTPL yenziwa kanjani.

E-Russia kukhona ama-ejensi amaningana ahlola umsebenzi wezinkampani zomshuwalense futhi ahlanganise izilinganiso:

• Isazi se-RA - sicabangela indawo yomsebenzi, inani lemali, inani lamakhasimende, kanye nephesenti lezinqumo ezinhle nezimbi;
• I-National Rating Agency “NRA” - ihlola kuphela lezo zinkampani ezivumile ukuvula ukufinyelela olwazini olumayelana nomsebenzi wazo, kucatshangelwa amathuba okufeza izibopho zazo kumakhasimende.

Lezi zinhlangano zihlala zenza izinguquko ezilinganisweni, njengoba ezimweni ezinzima zezomnotho zanamuhla izinkampani eziningi zibhekene nezinkinga zezimali futhi ziphoqeleka ukuba ziqinise imibandela yezinkontileka zazo.

Yiba noma kunjalo, i-2015 isiseduze, futhi abahleli be-Vodi.su bangathanda ukwabelana nabafundi ngedatha ye-2014 - yiziphi izinkampani ezaziphakathi kwezithembeke kakhulu mayelana nezinkokhelo ze-OSAGO. Mhlawumbe lolu lwazi luzokusiza wenze isinqumo esifanele.

Izinkampani zomshwalense ezihamba phambili zomshwalense oyimpoqo wesikweletu semoto 2014 - ekuqaleni kuka-2015

1. Inkampani kahulumeni iza kuqala “I-Rosgosstrakh".

Inkampani ikleliswe kuqala ngokwenzuzo. Inzuzo yeNet ibalwa ngezigidigidi zama-ruble, futhi inani lezinkokhelo zomshwalense lifinyelela kuma-ruble ayizigidi eziyizinkulungwane ezingama-50. Inkampani ihlinzeka njalo ngezinsizakalo ezintsha: isicelo se-inthanethi, ukulethwa kwenqubomgomo ehhovisi, isebenzisa izinsizakalo zayo abantu baseRussia abangaphezu kwezigidi ezingu-20.

2. Indawo yesibili ye IC “RESO-Garantiya”.

Ngo-2012, inkampani yadlula iRosgosstrakh ngokwenani lezinkokhelo zomshwalense zonyaka. Namuhla ayifinyeleli endaweni yokuqala, kodwa abashayeli abaningi bathi inkampani ithatha izibopho zayo ngokungathi sína, futhi amakhasimende athola izinkokhelo eziqinisekisiwe zingakapheli izinsuku eziyisikhombisa.

3. Endaweni yesithathu OSAO "Ingosstrah" ingenye yezinkampani ezinkulu, ehlala njalo ezikhundleni eziphezulu ezilinganisweni zikazwelonke. Le nkampani ibihola phambili mayelana nezinkokhelo zomshwalense ngo-2009-2010. I-IC inikeza uhla oluphelele lwezinsizakalo zomshwalense, ezithakazelelwa izakhamuzi eziningi zaseRussia, ziphathisa i-Ingosstrakh ngempahla yazo ebaluleke kakhulu - impilo, impahla, izimoto.

4. Iqembu lomshwalense “MSK” - indawo yesine.

Inkampani ikhombise ukukhula okuhle kusukela ngo-2009. Ngo-2010, i-Spasskie Vorota Sports Complex yajoyina ukwakheka kwayo, okubuye kube umfutho owengeziwe wokufeza lezi zikhundla eziphezulu. Amagatsha e-MSK asebenza kulo lonke elaseRussia, okwenza kube nokwenzeka ngabo bonke abantu baseRussia, ngaphandle kokukhetha, ukusebenzisa izinsizakalo zabo.

5. Kufakwe futhi kwabahlanu abaphezulu Inkampani Yomshwalense Wezempi - "VSK".

Enye yezinzuzo zale nhlangano isiqinisekiso sezinkokhelo zesinxephezelo ngaphansi komshwalense wemfanelo wemoto oyimpoqo zingakapheli izinsuku ezinhlanu.

Ezinye izilinganiso

Kuyaphawuleka ukuthi lapho sihlanganisa isilinganiso esingenhla, sicabangele, okokuqala, isimo sezimali senkampani. Nokho, kunezinye izilinganiso ezicabangela kakhulu ukubuyekezwa kwamakhasimende.

Esinye salezi zilinganiso sibukeka kanje:

• I-Rosgosstrakh;
• Umshwalense we-Alfa;
• Ingosstrakh;
• Isivumelwano;
• I-Renaissance Insurance.

Izinkampani zomshwalense ezilandelayo nazo zikuqinisekisile ukwethembeka kwazo:

• I-Ural SIB;
• I-VTB-Insurance;
• YENZA;
• Umfelandawonye;
• Ubukhulu.

Yiqiniso, iqiniso lokuthi inkampani ithatha indawo ephakeme esilinganisweni sonke-Russian ayikwazi ukuqinisekisa ukungabi khona kwamakhasimende anganelisekile. Kodwa, njengoba sesivele sibhala sisebenzisa isibonelo sokubuyekezwa kwemali mboleko yemoto evela ku-VTB-24, amaklayenti ngokuvamile ahlupheka ngenxa yokuthi inkampani kuthiwa imbi futhi ayinandaba nemithwalo yemfanelo yayo, kodwa ngenxa yokuthi ngokwabo abazihluphi ngokuhlala phansi futhi bafunde ngokucophelela. isivumelwano .

Ukwazi amalungelo nezibopho zakho kuyisiqinisekiso sokuthola isinxephezelo ngesikhathi futhi ngokugcwele.

Iyalayisha...