Ƙididdigar mafi kyawun kamfanonin inshora na CASCO

Lokacin da mutum ya sayi mota, abu na farko da ya, ba shakka, yayi tunani game da amincinta - ƙararrawa, bincika filin ajiye motoci masu tsaro ko gareji. Duk da haka, kowace mota za ta iya shan wahala a cikin wani hatsari, daga ayyukan barayin mota, kuma idan babu inshora na CASCO, to sai ku dawo da motar bayan hadarin da kanku, ko fatan ga ƙwararrun ƴan sandanmu cewa barayin za su yi. a nemo kuma motar ta koma wurin mai shi.

Dangane da duk wannan, kuna buƙatar tunani game da inshorar mota. Akwai manyan nau'ikan inshora guda biyu a Rasha:

OSAGO - kun tabbatar da alhakin ku, kuma idan wani hatsari ya faru ta hanyar kuskurenku, kamfanin inshora ya dauki nauyin biyan duk farashin gyaran motar wanda ya ji rauni, irin wannan inshora ya zama dole;
CASCO - kuna inshora motar ku akan sata ko lalacewa.

CASCO inshora yana da tsada - farashin shekara-shekara na manufofin zai iya kai har zuwa 20% daga farashin mota. Amma, samun irin wannan tsarin, ba lallai ne ka damu ba, domin kamfanin inshora zai biya ka don gyara ko da mafi ƙanƙanta, kuma idan an yi sata, za ka iya samun duka adadin kudin mota a hannunka. .

Amma, kamar yadda yakan faru, kamfanonin inshora ba koyaushe suna cika wajibai ba, kuma mai motar yana fuskantar tambaya - yadda za a zabi kamfani mafi aminci da gaskiya? Mutane da yawa suna jagorantar ta hanyar sake dubawa na sanannun kuma suna da inshora a cikin waɗannan kamfanoni cewa abokai za su ba su shawara. Koyaya, zaku iya zaɓar mai inshorar bisa la'akari da ƙimar kamfanonin inshora, waɗanda hukumomin ƙima ke haɗa su kowace shekara.

Hukumomin kima suna ba kowane kamfani maki:

A ++ - wannan alamar yana nuna cewa mai insurer yana da babban ƙimar aminci;
E - kamfanonin inshora mafi ƙarancin abin dogaro.

Har ila yau, an kafa rating na kamfanoni bisa ga abokin ciniki feedback, da ratings aka rarraba a kan sikelin daga sifili zuwa sittin maki.

Wani kiyasin da aka yi amfani da shi don samar da martabar kamfanoni shine yawan ƙima - a cikin lokuta nawa abokan ciniki aka hana biyan kuɗi, da rabon wannan mai nuna alama ga adadin abokan ciniki.

Bari mu ga yadda manyan kamfanoni a Rasha suke bisa ga duk waɗannan alamomi.

За 12 watanni 2013 shekara, rating akan ma'aunin abin dogaro yayi kama da haka:

Gidan inshora "VSK";
Inshorar VTB;
Renaissance;
RESO-Garantia;
UralSib.

Duk waɗannan kamfanoni sun sami mafi girman kima na A ++ bisa ga sakamakon bincike na ƙwararrun ma'aikata na Jamhuriyar Armeniya.

Idan muka yi la'akari da yadda aka tsara ƙididdiga bisa ga binciken abokin ciniki, sannan hoton ya dauki wani salo daban daban:

RESO-Garantia - sama da maki 54;
Tsoro. gidan VSK - maki 46;
UralSib - dan kadan sama da maki 42;
Renaissance - 39,6;
Surgutneftegaz - maki 34,4.

Idan ka kalli hoton bisa ga rabo musun biyan kuɗi, to darajar ta kasance kamar haka:

Ingosstrakh - 2 bisa dari na ƙi;
RESO-Garantia - 2,7%;
Rosgosstrakh - 4%;
Yarda - 6,6%;
VSK - 3,42%.

Dangane da wannan ƙididdiga, a mafi yawan wurare na ƙarshe Daga cikin kamfanoni 50 sun tsaya:

TAMBAYA-Petersburg;
RSTC;
SK Yekaterinburg;
Astro-Volga;
Dan kasuwa

Hukumar kididdiga ta kasa NRA ce ta hada wannan kima, wanda ke gina kimarta bisa bayanan da aka samu daga kamfanonin inshora da kansu. Yana da kyau a lura cewa SC ta shiga cikin wannan kima gaba ɗaya da son rai, kuma da yawa daga cikinsu ba sa tallata sakamakon aikinsu don haka ba sa shiga cikin ƙimar.

Lokacin zabar kamfanin inshora don ba da manufar CASCO, kuna buƙatar la'akari da duk kewayon bayanai: