"Ingosstrakh", CTP. Comments za kampaniyo

Insurance - ndi mbali yofunika ya moyo wamakono. Aliyense amafuna kukhala ndi osangalala komanso otetezeka kukhalapo, pamene kukhala chitsimikizo ndalama poyerekezera ndi mbali ya moyo wake. Ndicho chifukwa anthu tsopano zambiri amakonda kukhala mu mdima, ndipo funsani kampani ya inshuwalansi. Kodi ntchito? Mukafika pa gulu lako wosankhidwa, kusankha inshuwalansi, ndiyo mbali iti ya moyo wanu ndi mochuluka bwanji mukufuna kutsimikiza. Ndipo tsopano mwezi uliwonse inu kulipira ndalama zina, amene anatumiza inshuwalansi ndalama zako. Ndipo ngati inu chinachake chikuchitika mu mfundo imeneyi kuti inu inshuwaransi, ndi inshuwalansi kampani kuphimba ndalama zonse zokhudza liquidation wa zotsatira za nkhani imeneyi. Kodi inu kutsimikiza? Mfundo zonse. Mukhoza kutsimikiza ya moyo ndi thanzi, mukhoza kutsimikiza nyumba zawo, ndalama, ndi zina zotero. Wina wotchuka kwambiri mu masiku mtundu dziko inshuwalansi - ndi galimoto inshuwalansi. Pamene m'madera ena, pali ndondomeko, aliyense amene asankhidwa aliyense kasitomala aliyense payekha inshuwalansi galimoto. Koma kopita kutsimikiza galimoto yanu? Ndipo mtundu wa inshuwalansi pali? Izi ndi zimene ayankhidwa m'nkhaniyi.

Pa gawo la Chitaganya cha Russia pali mabungwe mokwanira kuti angathe kutsimikiza inu, koma yabwino limodzi ndi "Ingosstrakh". CTP, ndemanga zimene mungawerenge mu theka lachiwiri la nkhaniyi, ndi imodzi mwa ndondomeko chifungulo cha pagalimoto iliyonse. Ndicho za izo, mudzaphunzira zambiri za kubwerezako. Mwachibadwa, zidzakhala bwino za inshuwalansi galimoto onse, kuti muyenera chitetezo ndi kuti adzakupatsani, ndi "Ingosstrakh" kampani: CTP, ndemanga za utumiki, umafuna wokongola ndi zina zotero.

"Ingosstrakh" kampani

Choncho, poyamba pa zonse tiyenera kulankhula pang'ono za kampani imene adzakupatsani utumiki. Pankhani inshuwalansi galimoto, ndiye muyenera ndithudi buku mu CTP "Ingosstrakh". Reviews wa malonda pa Intaneti amapezeka nthawi zambiri zabwino, koma tsopano safuna tinganene kuti kulankhula za izo - ndemanga zambiri wosuta tidzakambirana ina. Tsopano kulabadira kampani wokha, komanso kuti n'chifukwa chiyani muyenera kusankha "Ingosstrakh"? Choyamba ndi Dziwani kuti kampani ndi imodzi mwa odziwika ndi wodalirika m'dera la Chitaganya cha Russia. maofesi kampani tingaupeze m'mizinda yambiri ya dziko, ndipo inu nthawizonse zidzakhala kukuthandizani. Kodi lemba la "Ingosstrakh"? Mwachibadwa, inshuwalansi, koma ofala ndi Mipikisano njira - apa mungathe kutsimikiza osati galimoto yanu, komanso katundu, nyumba, ulendo wawo ku dziko lina, ana awo, ndi zina zambiri. Popeza chakuti m'nkhani ino tikambirana makamaka galimoto inshuwalansi, muyenera kuganizira ntchito limodzi "Ingosstrakh" - CTP. Mayankho za inu mudzapeza mu theka lachiwiri la nkhani - pa maziko awo ndi zonse mosavuta mumakumbukira nthawi za utumiki makamaka. Padakali pano, ayenera kutiuza zambiri za zomwe ndi inshuwalansi galimoto wamba makamaka CTP.

Auto Insurance

Car inshuwalansi chosavuta kumvetsa dzina wake, chikugwirizana mwachindunji ndi makina, kaya ndi mayendedwe zonyamula ndi katundu. Mwachibadwa, cholinga chachikulu cha inshuwalansi galimoto - ndi kupereka phindu inshuwalansi likhoza ngozi yokhudza galimoto. Koma zoona zake n'zakuti zinthu siziri mophweka - pali mitundu yosiyanasiyana ya inshuwalansi galimoto, omwe amakhudza onse thanzi lawo ndi galimoto zawo, ndipo thanzi ndi magalimoto wa lachitatu maphwando. Kuti amvetsetse bwino, ndipo inu muyenera kuwerenga nkhaniyi - mumvetsa chifukwa mukufuna mfundo MTPL (komanso aliyense mfundo galimoto inshuwalansi muyenera zambiri).

CTP ndi chiyani?

Pankhani ya kampani "Ingosstrakh" amakambirana MTPL zambiri monga limatchula, koma aliyense ngakhale kulingalira chomwe ndi mtundu wa inshuwalansi. N'chifukwa chake muyenera tsopano kuti n'chifukwa chiyani ndi munthu amene ali ndi galimoto, muyenera inshuwalansi mokakamizidwa. Choncho, choyamba muyenera kulabadira chakuti mtundu uwu wa inshuwalansi siligwira ntchito kwa galimoto yako, thanzi lanu kapena chuma chanu. CTP amayimira kuvomerezedwa inshuwalansi galimoto udindo. Choncho, aliyense mwini galimoto ayenera apereke malamulo. Nthawi zambiri, inshuwalansi zaufulu, ndiye munthu aliyense akafuna kutsimikiza moyo wake ndi kuchuluka chimene chingasonyeze. Koma mu nkhani ya CTP zinthu zonse zosiyana, chifukwa lamuloli ndi lofunika. Koma kachiwiri, ndi inshuwalansi amalankhula mwachindunji udindo wanu boma, ndiko kuti, obliges inu pamene galimoto kuganizira chilichonse chimene chikuchitika padziko inu. Koma si bwino kwambiri? Pankhaniyi muyenera kuyang'ana kwambiri ndi bwino kupanga chiyani mukufuna mfundo MTPL. "Ingosstrakh", ndemanga zimene mungathe kuwerenga pang'ono kenako, mukhoza lucidly kufotokoza zinthu zonse, koma mfundo zofunika Adzaperekedwa nkhaniyi.

N'chifukwa chiyani mukufuna mfundo MTPL?

Pamene musankhe mfundo pa kampani "Ingosstrakh" MTPL ndemanga, inu angakumane nazo zambiri, kuyambira lamuloli ndi mmodzi wa ofunika kwambiri. Koma ndi chiyani icho? N'chifukwa chiyani makamaka zofunika? Choncho, ngati ife kulankhula mawu osavuta, lamuloli inshuwalansi, muyenera osati reimburse kunja chimawononga mthumba kuti kukanadzapangitsidwa lachitatu maphwando mu ngozi imene zolakwa zanu zatsimikiziridwa. Mwachibadwa, nkhani imeneyi ayenera kukhala magalimoto ndi monga galimoto yanu. Kodi ndi mitundu iti ya kuwonongeka ataphimbidwa ndi mfundo imeneyi? Choyamba, ndi kuwonongeka kuti Achititsa kuti chuma cha lachitatu maphwando. Kachiwiri, ndiye kuti si vuto kuti achititsa thanzi ndi lachitatu maphwando. Choncho onse amene ali okhudzidwa ngati ndinu dalaivala ndipo anachititsa ngozi ya galimoto. Mwachibadwa, kuwonongeka kungakhale ndithu lalikulu, anthu ambiri kuyamba kuchita chidwi ndi zomwe kukula kwa malipiro pa inshuwalansi ya. Izi ndi zimene timaphunzira zina.

MTPL ndalama ndondomeko

Ngati mukulimbana ndi "Ingosstrakh" kampani, ndemanga pa kulipira nthawi zambiri adzakhala zabwino - anthu msanga ndi wabwino anachitira ndi mavuto awo, pafupifupi popanda kuchita khama lililonse. Koma pali chinthu chimodzi kuti aliyense mwini galimoto ayenera kufotokozera pamaso panu kudzapereka inshuwalansi ndondomeko CTP - ndi kukula kwa malipiro pa izo. Mpaka 2014, panali mwachilungamo wotsika payout, amene anapanga mfundo kulembetsa ndi disadvantageous kwambiri. Mwachitsanzo, chipukutamisozi kulikonse chifukwa kuti munthu wina amene anaphedwa anapatsidwa 140 zikwi rubles, ndi malipiro a zimene zinawonongedwa ndi angapo akuvutika - rubles 160 okha zikwi. Mwamwayi, mu 2014 CTP renegotiated, ndi kampani ya inshuwalansi ankafunika kuonjezera kukula kwa malipiro. Ndipo tsopano pa gulu lililonse anavulala lachitatu linaperekedwa kwa 400 zikwi Russian rubles. Monga choipa moyo wa lachitatu maphwando, apa dongosolo ndi kwambiricho. Isanafike 2015, 160 zikwi rubles kunapatsidwa kwa zakukonzanso mwachindunji kwa wozunzidwayo nawo pa ngozi ya galimoto msewu, 135 zikwi rubles chipukuta misozi kwa anthu ofunika kulandira mu mwambo wa imfa ya woberedwa, komanso rubles 25 zikwi bungwe maliro a wovulalayo. Mu 2015 malipiro akhala ndikusinthidwa, ndipo kuyambira 500 zikwi rubles Russian ndi allocated chipukutamisozi zoipa chifukwa mwachindunji yovulala, 475 zikwi rubles allocated kuti malipiro phindu, zimene zalembedwa mu nkhani zogwirizana la chilamulo (pali mwatsatanetsatane utoto zambiri nkhope, amene poyamba chabe anatsika gulu kulandira chipukuta misozi ngati imfa ya wovulalayo), komanso onse chomwecho 25 zikwi rubles kwa maliro. Chabwino, tsopano inu mukudziwa zonse muyenera za malipiro amene amayenera kunyamula inshuwalansi kampani, komanso kufunika kwa CTP. Koma funso n'lakuti, nanga galimoto anu. Kodi MTPL mfundo azilipira kuwonongeka, chifukwa pa ngozi ya galimoto?

Insurance galimoto mwini

Mukafuna kutsimikiza galimoto ya moyo wawo, adzathandiza inshuwalansi kampani "Ingosstrakh". Reviews a CTP anapeza mwapadera zabwino, kotero inu mukhoza bwinobwino uziphunzitse kwa akatswiri. Koma CTP - si yekha galimoto inshuwalansi ndondomeko, amene muyenera kuganiza. Popeza kuti sifikira kuwonongeka, amene adzalandira galimoto yanu. Mu ndondomeko ya mokakamizidwa galimoto malipiro TPL inshuwalansi likhoza kupeza gulu lina anakhudzidwa ngozi ya galimoto. Ngati simuli gulu lachitatu, ndiye, galimoto yanu wakhala anazindikira mwa woyambitsa kapena oyambitsa a yatsoka mmodzi wa ngozi ya galimoto, ndi CTP inshuwalansi sadzakhala kuphimba kukonza galimoto ndalama zanu. Kodi kuchita? Muzifunafuna kwambiri pa nkhani ya inshuwalansi galimoto, monga kwa alipire ndalama kukonza galimoto yanu, wozunzidwayo mu ngozi pamsewu pa vuto lanu, muyenera lembani mfundo chosiyana, dzina lake Hull. Komabe, mfundo imeneyi si nkhani yaikulu kwa nkhaniyi, kotero kuti mfundo linakhalapo ndi cholinga chake - zonse kuti panopa muyenera kudziwa za izo.

mfundo pakompyuta

Kambirana mmene chidwi liwiro ndi chitukuko zamakono kupanga inshuwalansi zaposachedwapa kukhala zosavuta. Tikuyankhula zokhudza e-CTP, umene ndi zamagetsi inshuwalansi ndondomeko. Ndiye, pamene kusinthidwa anali opangidwa mu malipiro likhoza kuwononga thanzi kapena moyo wa lachitatu maphwando, iwo anayambitsa dongosolo pakompyuta ya kalembera wa inshuwalansi. Ambiri kampani ya inshuwalansi tsopano ali pa tsamba awo boma Internet ndi machitidwe wapadera amene amalola galimoto kutsimikiza ndi kulimbikitsidwa kwanu. Kumene, pokhala mmodzi wa makampani kutsogolera inshuwalansi latsopano la Russia, dongosolo anayambitsa ndi inshuwalansi kampani "Ingosstrakh". Reviews a CTP, kamangidwe ka online, komanso zinthu zolimbikitsa kwambiri. Komabe, tisaiwale kuti kupangidwa pakompyuta za ndondomekoyi sadzakhala zotheka ngati simunakhala inshuwaransi galimoto yanu. chakuti dongosolo limapeza mfundo zofunika mu akuti sar, ndipo ngati simunakhala anadutsa njira za inshuwalansi galimoto mu ofesi, ndiye deta yanu mu Nawonso achichepere si deta. Ndi drawback laling'ono, limene, tikuyembekeza, adzakhululukidwa anadzudzulidwa m'tsogolo. Ngati inu inshuwaransi Ndiye muyenera chabe mafomu mitundu zofunika, ndipo inu imelo zikalata ofanana ndi "pepala" ndi inshuwalansi kuti mwalandira kale.

ndemanga zabwino

Chabwino, ndi nthawi kuti ndione zimene ziziyenda m'dziko lonse la Russia, kulankhula za kampani "Ingosstrakh" - MTPL ndemanga. Moscow - ndi chimodzi mwa zigawo zikuluzikulu kumene pulani chidwi cha zimenezi inshuwalansi lapansi. Ndipo kuchokera kumeneko, nkubwera ambiri ndemanga ndi kuti kumene pafupifupi zonse abwino. Kodi kwenikweni akutamandidwa ziziyenda kumadzipangitsa mfundo mu insurer izi? ndi ndemanga za "Ingosstrakh" kampani chiyani? Mokakamizidwa - izi ndi mfundo imene imayang'anira aliyense mwini galimoto, kotero za izo ndi kulemba kwambiri. Ndi chiwerengero chachikulu cha anthu ndemanga zawo zinalembedwa mu zaka ziwiri zapitazi, onani mayiko ntchito mfundo pa Intaneti. Ndondomeko mofulumira ndi yabwino, dongosolo umagwira bwino ndi ndendende kwambiri. No kuchedwa zidzachitika, ndondomeko amatenga mavuto tsiku lina pambuyo inu kupanga malipirowo. Komanso, anthu amatha kuona ubwino wina wa kampani, monga mlingo wa malipiro pansi inshuwalansi, ndi kukula kwa ndalama, komanso khalidwe la utumiki ndodo. Monga mukuonera, review bwanji mbali zonse za kampaniyo, kuphatikizapo e-CTP "Ingosstrakh". Reviews Inde, si zabwino - n'zotheka kupeza ndi maganizo. Nthawi zambiri sadziwa Okhala, koma tikhoza kunena kuti kampani, amene amaganizira mwamtheradi onse ndemanga - "Ingosstrakh". CTP, Kazan ndi malo kanthu kapena Moscow, nthawi zonse vuto patsogolo, kotero ndodo akuyesetsa kuthandiza onse okhala likulu, komanso oimira mizinda ang'onoang'ono ndi midzi.

ndemanga zoipa

Koma maganizo poyerekezera ndi kampani ndi ntchito zake, adzakumana pa malo a Internet pa zosiyanasiyana zogwirira ntchito. Mwachitsanzo, umodzi mwa mizinda, pamene chifaniziro ndi "Ingosstrakh" - Nizhny Novgorod. Ndemanga (MTPL ndi zina inshuwalansi) angakhale osiyana, ndi ena a Novgorod kulemba ndemanga zabwino, ndi wina - negative. Ndi kumvetsa malo amene ambiri amadandaula olembedwa? Pa kusanthula pafupi zimaonekeratu kuti ambiri ndemanga zinalembedwa ndi mawu akumveka otsutsa chakuti wosuta sanamvetse bwino ndi zolembedwa ndi malangizo. Mwachitsanzo, mu imodzi ya nthambi za "Ingosstrakh" (Ekaterinburg) kwa CTP ndemanga zoipa anabwera chifukwa chakuti eni galimoto musati kubweretsa mfundo pa ngozi ku ofesi ya nthawi. Koma nthawi yomweyo ife akufuna kulipidwa pa galimoto kukonza Hull. Ngati Hull, mmodzi wa specializations waukulu "Ingosstrakh" kampani - CTP. ndemanga kasitomala Amenenso ndi kapangidwe - mwachitsanzo, mmodzi wa eni galimoto akufuna kulowa mgwirizano wa inshuwalansi ya dalaivala ena nkhani yofunika, koma kampaniyo akhoza tiyipukuse kunja khalidwe limeneli kokha mwa mwezi umodzi. Zingatanthauze kuti kulowa wochepa, monga cheke kakang'ono - onse, koma kampani sangathe kupereka utumiki uwu, kotero mawu awa ndi maziko lathunthu ndemanga negative. Zoipa muli kampani "Ingosstrakh" amakambirana MTPL malipiro - anthu akudandaula kuti ntchito yawo kukonzedwa motalika kwambiri, zikhale zovuta ntchito galimoto, koma nthawi zambiri zimadalira malo kampaniyo. Koma Dziwani kuti ndemanga zonse akufotokozedwa ndi oimira kampaniyo ndipo aliyense wosuta amalandira kuyankha mwatsatanetsatane, amene anawauza mosapita tsatanetsatane wa vutolo.

anapezazo

mfundo zimene tingaphunzire kuchokera zonse zimenezi? Ziribe kanthu chimene dipatimenti inu akutsatira - mu Moscow, kaya ndi "Ingosstrakh" -Voronezh, ndemanga (CTP nkhawa mu malo oyamba) angakuuzeni kuti utumiki amaperekedwa pa mlingo yomweyo mkulu. Kumene, pali wosasangalala, koma ngati inu muyang'ana pa ndemanga za CTP ku makampani ena inshuwalansi, mudzazindikira kuti zoipa anali, ndipo nthawizonse adzakhala ali.