Chiyero cheakanakisa CASCO makambani einishuwarenzi

Kana munhu achitenga motokari, chinhu chokutanga iye, chokwadi, anofunga nezvekuchengeteka kwayo - aramu, tsvaga nzvimbo yakachengetedzwa yekupaka kana garaji. Zvisinei, chero motokari inogona kutambura mutsaona, kubva pane zviito zvembavha dzemotokari, uye kana pasina CASCO inshuwarisi, ipapo iwe uchafanirwa kudzorera motokari mushure mengozi iwe pachako, kana kutarisira mapurisa edu ane ushingi kuti mbavha dzichaita. yakawanikwa uye motokari yakadzokera kumuridzi.

Kubva pane izvi zvose, unofanira kufunga nezveinishuwarenzi yemotokari. Kune marudzi maviri makuru einishuwarenzi muRussia:

OSAGO - iwe unochengetedza mutoro wako, uye kana pane njodzi nekuda kwemhosva yako, kambani yeinishuwarenzi inozvipira kubhadhara mari yose yekugadzirisa motokari yemunhu akakuvara, rudzi urwu rweinishuwarenzi runosungirwa;
CASCO - iwe unochengetedza mota yako kubva pakubiwa kana kukuvara.

Inishuwarenzi yeCASCO inodhura - mutengo wepagore wepolicy unogona kusvika kusvika 20% kubva pamutengo wemotokari. Asi, uine mutemo wakadaro, haufanirwe kunetseka, nekuti kambani yeinishuwarenzi ichakubhadhara kuti ugadzirise kunyangwe diki diki kana kubono, uye kana ukaba, unogona kuwana mari yese yemotokari mumaoko ako. .

Asi, sezvinowanzoitika, makambani einishuwarenzi haaiti nguva dzose anozadzisa zvisungo zvavo, uye muridzi wemotokari anotarisana nemubvunzo - sei kusarudza kambani yakavimbika uye yakatendeseka? Vakawanda vanotungamirirwa nekuongorora kwevanozivana uye vane inshuwarisi mumakambani iwayo ayo shamwari dzichavakurudzira. Nekudaro, iwe unogona zvakare kusarudza inishuwarenzi zvichibva pazviyero zvemakambani einishuwarenzi, ayo anounganidzwa gore rega rega nemaredhi emasangano.

Rating masangano anopa kambani yega yega zvibodzwa:

A ++ - chiratidzo ichi chinoratidza kuti inishuwarenzi ine yakakwirira kuvimbika rating;
E - makambani einishuwarenzi mashoma akavimbika.

Chiyero chemakambani chinoumbwa zvakare pahwaro hwemhinduro dzevatengi, zviyero zvakagoverwa pachiyero kubva zero kusvika makumi matanhatu mapoinzi.

Imwe yefungidziro yakashandiswa kuumba chinzvimbo chemakambani iperesenti yekuramba - mune zvingani zviitiko vatengi vakanyimwa kubhadhara, uye chiyero chechiratidzo ichi kune huwandu hwese hwevatengi.

Ngationei kuti makambani makuru muRussia anowanikwa sei maererano nezvose izvi zviratidzo.

For Mwedzi 12 2013 gore, chiyero pachiyero chekuvimbika chinotaridzika seizvi:

Inishuwarenzi imba "VSK";
VTB Inishuwarenzi;
Renaissance;
RESO-Garantia;
UralSib.

Makambani ese aya akagamuchira mwero wepamusoro weA ++ zvinoenderana nemhedzisiro yekuongororwa kweiyo nyanzvi yekuyera agency yeRepublic yeArmenia.

Kana tikafunga kuti fungidziro dzakarongwa sei maererano ongororo dzevatengi, ipapo mufananidzo wacho unotora pane zvakasiyana zvishoma:

RESO-Garantia - pamusoro pe54 points;
Kutya. imba VSK - 46 points;
UralSib - zvishoma pamusoro pe42 points;
Renaissance - 39,6;
Surgutneftegaz - 34,4 points.

Kana iwe ukatarisa mufananidzo unobva pane mugove kurambwa kwekubhadhara, ipapo chinzvimbo chinotaridzika seizvi:

Ingosstrakh - 2 muzana yekukundikana;
RESO-Garantia - 2,7%;
Rosgosstrakh - 4%;
Mvumo - 6,6%;
VSK - 3,42%.

Zvinoenderana neiyo coefficient, zvakanyanya nzvimbo dzekupedzisira kubva mumakambani makumi mashanu anomira:

ASK-Petersburg;
RSTC;
SK Yekaterinburg;
Astro-Volga;
Merchant.

Iyi chiyero inoumbwa neNRA - iyo National Rating Agency, iyo inovaka chiyero chayo pahwaro hwe data rakawanikwa kubva kumakambani einishuwarenzi ivo pachavo. Izvo zvakakosha kucherechedza kuti iyo SC inotora chikamu muyedzo iyi nekuzvidira, uye vazhinji vavo havashambadzire mhedzisiro yebasa ravo uye saka havatore chikamu muchiyero.

Paunenge uchisarudza kambani yeinishuwarenzi yekupa CASCO mutemo, unofanirwa kufunga nezve huwandu hwese data: