"MSK" (kamupene inihua): CTP, Hull, peka, tari, paetukutuku e pā ana, wāhitau, tau waea, me arotake

MSC - te kamupene inihua, e whakarato ana ratonga ki tangata. E whakaahua ana tēnei tuhinga i te taunahatanga rōpū tuatoru nekeneke.

Ko te ariā o te wā

Insurance - he ahua motuhake o whanaunga pūtea i roto i te whanaketanga me te whakamahi o penapena moni, e mahi ki te utu mo te kino i meinga e te takanga o ngā momo o mōrearea, me e utua ki takitahi hinonga ture ranei.

I roto i te tikanga kuiti, ki tenei hononga i runga i ngā taha e rua te tiaki i te tangata inihua ranei tona taonga i te utu o moni, e kua hanga e i utu inihua utua.

I roto i te tikanga whanui - ngā reira mahi e hanga e i muri i tenei tiaki rauemi.

mahi normative-ture, e hāngai ana ki enei whanaunga ko te Code Civil o te Russian Federation (Part rua, Chapter 48) me te Ture Federal "I Organization o Insurance Business", e whakaahua ana i te āhuatanga taipitopito o te wā. I runga i te pūtake o tenei ture Federal taea te matau e whai ake: Insurance ko te hononga o e rua counterparties i raro nei i te utu o etahi moni o kirimana i tetahi taha.

Ko te rōpū me ratou kawenga

I roto i enei whanaungatanga, te tikanga e rua ngā mema. rōpū Tuatahi - te insurer (ka taea te whakahaere e te tūmataiti, pānga, me te tūmatanui). Tuarua - tūturu me tangata ture.

kawenga o te insurer:

1) ki te utu i te tahi atu taha o te kino, ina he take e tika ana (fakatamaki fakanatulá).

2) Hiahia tangata tūturu ture ranei ki nga ture, me mita e kua e pā ana ki tenei kaupapa.

3) I roto i te tua ki te utu mo te kino i meinga ki te hui inihua, ka pau te tahi atu utu.

4) e kore e whāki mōhiohio e ako ia o te rōpū tuarua ki te tiriti (i ngā hauora, rawa, me te ake).

5) I muri i te policyholder pānui i tuhituhia ai whakakapi i te painga tangata tino rerekē.

6) I roto i te take o te whakamutunga wawe o te kirimana i roto i te mua ārai tuarua te taha.

Herenga o te inihua e:

1) hanga utu wā o takoha.

2) ngā ngaahi tu'unga mohiotia ki a ia, e te hunga nui ki te whakatau i te take hanganga o te hui inihua.

3) I te mutunga o te kirimana, ki te tango i tiaki o te haumaru o te taonga tonu tenei rōpū.

4) whakamōhio tonu te insurer e pā ana ki ngā rerekētanga o tūkunga i roto i te kirimana.

5), no te taea whakamōhio te tahi atu rōpū o te aituā.

6) He tuku te tika o subrogation ki te insurer (te huringa moni i roto i taunahatanga rīanga).

7) I roto i te take o te whakamutunga wawe o te kirimana, ka whakamōhio i te tahi atu rōpū o tona hiahia.

MCK - kamupene inihua

i whakapumautia Open Tahi Stock Company, i huaina "Moscow kamupene inihua" (whakarāpopototanga o "CMC") ki te whai wāhitanga o te Kawanatanga o Moscow i te tīmatanga o 1998. Mai i te waenganui-2007 whakaaro te pānga matua o tenei kamupene e ki kia o "Capital Insurance Group." Mana ki runga reira te maua e kore anake te Kawanatanga o Moscow, engari ano hoki te whakapaipai o pareparenga.

MSCs (kamupene inihua) he whakapaipai tūtohinga, e moni ki neke atu i te 3.5 piriona moni. reira kua hoki te raihana ki te mahi i te mahi i runga i te 23 ngā momo o te inihua, e kua hāngai i whakatutuki i te ngākau nuitanga o tangata katoa. Tika me te kounga o te mahi fakapapau'i te ti'amâraa whakatauranga ao Fitch Whakatauranga. MSCs (kamupene inihua) pūmautanga pūtea e rua i runga i te motu, me te i runga i te tauine ke.

Ko hoki ia he mema o te uniana o te maha ngā rōpū pērā i te "katoa-Russian Union" (BCC), "Moscow Association" (ICA), "Aviation ko Space Corporation" (RAAiKS), RSA me te tini ke atu.

tika pūtea o te kamupene inihua

Tenei tau nui haere te kamupene rawa te toharite mākete o te raraunga 2007 moni tupu. tae te tapeke utu o te utu inihua 5.8 piriona moni. Ko te kamupene he ona ake moni, me te moni whiwhi i te tiaki o te mākete te ao, me te kāinga, whakarato ha faingamālie ki te mahi i ngā ratonga o rerekē whīwhiwhi. I te wa ano, i te kamupene te whakapūmau i te kounga me te mahi o nga herenga riro.

E ai ki te takotoranga pāpori o te hōtaka MSC (kamupene inihua) ki te whakatau whakaritenga hou katoa: konei inihua ora, te hauora, taonga me te kawenga o tangata.

Hei whakanui i te maha o te kiritaki e whakamahi ratonga o te ti'amâraa, te whakatuwhera ake tari MSC hou (kamupene inihua). Kei peka o tenei kamupene i roto i neke atu i te 170 nga pa o te Russian Federation. rēhita Tapeke mō tenei kamupene inihua te āhua 120 pokapū me 55 compartments iti.

āhuatanga takatika o te whakahaere

Ko te painga o te hōkai o tenei kamupene whakanui nui whakahaere rohe, me te tāone me te hinonga. Ēnei kāwai ngā Moscow Integrated Power Company (MIPC), Segezha Pulp ko Pepa Mill (SPPM). Ko pai e pā ana ki te whakahaere whakautu Novosibirsk Metallurgical Plant (NMP), "pūnaha wai hoki", he tokomaha atu kamupene me hinonga hoki reira.

Tenei kamupene Ko te kaihoko matua o te Kawanatanga o Moscow i inihua rawa, puritia nei e te kāwanatanga, ngā whare, kaimahi kapa i roto i te ao o mana terenga wai me te āhua.

I tua atu ki te Kawanatanga o tenei kamupene kua tetahi counterparty pumau - "Bank o Moscow". I roto i tenei rohe, me ū te u ki herenga i raro i te hōtaka o te mokete tuku, whakakapi turanga motokā loans. Reira cooperates hoki ki ētahi atu Russian pareparenga: Agricultural Bank, Gazprombank, VTB-24, "Arepa", me te tini ke atu.

āhuatanga tōraro i roto i nga mahi o te kamupene inihua

I tua atu ki te painga i roto i tenei kamupene i reira e ano āhuatanga:

• te nuinga waiho tangata urupare tōraro i runga i te kamupene inihua MSK;
• i roto i te tahi mau manga o te kamupene kaimahi mahi, he reo poke ware me te whakamahia ki te whakatutuki i te katoa o ona kiritaki;
• He oaoa e faaoti e pā ana te nuinga ki ngā aituā waka ratou mau uiraa,, mo te maha o ngā marama maha tangata;
• He maha ngā kerēme ture ki MSA;
• MTPL rīanga e kore tātai tonu kamupene tika, ngā hapehape e pā ana ki tenei take kua kite;
• Kei te hoki tatau hē CASCO utu, e kore e tangohia ki pūkete te wheako o te taraiwa;
• tata MSCs (kamupene inihua) e hipokina te manga, i waho whakamārama i te take mo ona kiritaki mō te marama torutoru i roto i 2014 mutu ki te whakahaere tari i roto i nga pa o Kurgan, Smolensk, Syktyvkar, Barnaul, Zheleznogorsk (Kursk rohe), Ryazan, Chelyabinsk, a ko reira anake te wahi iti .

Overseas Āhuatanga Insurance

I roto i te whenua ke, kua roa kua he mahi rawa noa Insurance o whare, me te waka. E whakarato ana i te whai wāhi ki te hanga i te kino i meinga i roto i te mau huru i möhio. Heoi, he ona ake āhuatanga pūnaha inihua ke.

Na, kia tuhia te reira e tūranga tata whakatakotoria he te uara o te taonga e kua ranei ka e riro. Noatia, ka hei te nui te nui, ka hei te utu atu i te kaupapa here rīanga. Kei te mau te reira i ki pūkete, ahakoa te taonga, ko te wahi matua o te noho, ko kore anake te whare ranei. Ko te kupu, ki te reira i tetahi ngā tūponotanga taea, waea te kamupene inihua ka kitea MSK i roto i. mahi katoa i roto i mua, kia rite ki te u faatura ona kiritaki me o ratou kōwhiringa.

Pānga i runga i te utu o te kaupapa here whakarato rīanga me te pera-ka karanga hītori o te rohe i runga i nei te taonga riro. Ko te meka Ko e te mea kua toutou patua tenei rohe e ngaahi fakatamaki fakanatulá, kei te pai te tūnga o te kamupene ki te whakapiki ake i te rahi o utu rīanga. Kei te mau te reira i ki pūkete me te wahi tino anake te wahi kei te whare te.

Rerekētanga oganizatsy kei roto i Russia me ētahi atu whenua

I roto i ia whenua, ko nga kaupapa here rīanga i roto i te tua ki paerewa, tūemi atu. Hei tauira, i roto i France, he kirimana e inihua homeowners ka tango i te reira i roto i te tino rongonui. I roto i Ingarangi, ka inihua ki kino ki te taonga i puta tika ki te pahūtanga o te kōhua korohū, whakaurunga hau rokiroki, kore o te pūnaha parakaingaki whakawera ranei, a tae noa te hinga o tetahi pūrere rangi-ētehi. A i roto i Germany he täne whānui taunahatanga ā, tikanga nei ki te utu mo te kino i meinga ki tetahi atu tangata taonga o te tahi atu mau taata ranei. I roto i te Czech Republic e taea ki te tiki i inihua e ka pau te kino i roto i te take o te meinga kino ki te whenua i te natura. I roto i te Hau Amui no Marite, i roto i te tahuri, Ko te tino rongonui inihua taitara, e whakarato ana hoki utu mo te kino taea i roto i te take o te mate o mana rawa ki hoko whare.

Ki te tangohia e tatou, mo te tauira, te kamupene Russian pērā i MSC (kamupene inihua), te paetukutuku e pā ana ki te whakaū i reira he kahore āhuatanga kāore reira.

Ko te wā iti mō te CTP

He maha rangatira motokā ite e ki te pei i nga rori e rāhuitia kahore whakahauanga inihua taunahatanga rōpū tuatoru. Ko reira no te mea o tenei tangata, me te faaoti kirimana ki kamupene rerekē. E ai ki te ture, e mahi i runga i te rohe o te Russian Federation, e taea te puta ke te wā iti o CTP i toru ngā kāwai.

Ko te kōwhiringa tuatahi - no te rangatira, kua haere rēhitatanga kāwanatanga waho Russia nei waka. Hoki taua iwi i te wā iti o 5 ki te 15 nga ra.

Ko te kōwhiringa tuarua - no te iwi e whai ana ki te wahi o te rēhita ranei i te tirohanga hangarau o te motokā. Ko te wā iti ko te 20 ra.

Ko te kōwhiringa tuatoru - te noa tino. mutu te kirimana te, ki te kawea i roto i rēhita ki te pirihimana waka. E kore ai te wā iti e iti iho i te 3 marama.

I roto i taua take, ki te whakatau koe ki te inihua i tō motokā mō te kotahi hauwhā (wa), utu o te kaupapa here e 30% o te moni ā-tau. Tikanga, enei momo o kaupapa here MTPL whakapaipai rangatira motokā te whakamahi i te motokā e kore he a tawhio.

mōhiohio Poto e pā ana ki Hull

whakaaro tenei momo o te inihua te ki kia tūao. Ki te kahore he he kaupapa here e taea CASCO tangata whiwhi paremata moni mo te tahae o te waka ranei meinga kino ki te hauora o te taraiwa me ngā pāhihi. Ka whakarato whakataunga whakamutunga whakahaere ki i tono koe. Hei tauira, ki te whakatau koe ki te haina i te kirimana, me te whiwhi i te kaupapa here, tīpako i te kamupene pērā i MSC (kamupene inihua). Wāhitau o manga i roto i to koutou rohe taea te kitea i runga i te Ipurangi.

Kei te tikanga riro i te tawhā e whai ake nei ki pūkete i roto i te tātai o te takere:

• waitohu motokā;
• tau o hanga o te mīhini (te nuinga inihua anake waka hou);
• tau o Driver (mo te ruhiruhia te tikanga mai i roto i atu te utu);
• peia wheako (utu tīmata atu whakaritea ki ngā atekōkiri mātanga);
• aroaro täne (me tona kaupapa whakamahi ka waiho iti);
• motokā noho tahi i roto i te ihirangi tiaki (i roto i tenei take, ka waiho i te poari iti);
• te aroaro o te pūnaha whakaoho anti-tahae;
• he rohe i roto i nei e te waka e whakamahia.

MSCs (kamupene inihua), te pae mōhiohio, me te mea katoa e pā ana ki reira

Ka taea e kitea e koe he rota o te mōhiohio rerekē e pā ana ki te kamupene ngā pakihi ranei. I te wa ano, ka taea e kitea e koe papa matotoru hoki, e korero e pā ana ki te whakahaere tōraro. ngā mōhiohio pono te whakaaro, whakaputaina nei i runga i te paetukutuku mōhiohio. Na, ki te whakatau koe ki te kitea ngā mōhiohio e pā ana ki te whakahaere, pērā i hoki tauira te kamupene inihua MSK, e kore e he ngaro arotake me ētahi atu kōrero e pā ana ki a ia.

Ki te awhina o te paetukutuku e pā ana o te whakahaere e taea te hanga ipurangi ki te tātai aha e waiho te utu āwhiwhiwhi o te kaupapa here CASCO me MTPL. Ki te mahi i tenei, tomo te raraunga e hiahiatia ana i roto i etahi mara (waitohu, tau, tau, me te wheako taraiwa). A, no te ipurangi, ka taea e hanga e koe he whiriwhiri tatau ki te kamupene inihua motuhake. I runga i nga rauemi ipurangi, ka taea e kite koe i nga whakautu pai, me te kino o te tangata e kua tono i mua ki tenei ranei e whakahaere mō te pae whakatakotoria ratou utu.