Nkhaniyi kumuuza chophweka ndi yachangu kuthana ndi funso: kodi inshuwalansi kampani kusankha.

1. Kukonda wa bungwe mlingo yachilendo

Ngati inshuwalansi kampani ali ndi mlingo wa bungwe mlingo achilendo: Standard & wosauka; fitch; Moody, AM Best si chozama kupitirira BB +. mafunso Izi kampani anafunsa. Ngakhale mabungwe mlingo, ndipo analumbira pa nthawi yake, koma lero, kokha ali kwambiri kapena zochepa zenizeni zimene zikuchitika ku kampani.

Ife kutsindika kuti pankhani mabungwe mlingo yachilendo. Kwambiri angapo makampani Russian ndi mavoti achilendo: SOGAZ, Ingosstrakh, Rosno ...

Mwachitsanzo, Moody mavoti makampani inshuwalansi Russian, chifukwa - Mabuku awiri atolankhani, mmodzi mlingo, ndipo iye ali pansi younikanso.

2. Muyezo wa bungwe Russian mlingo

Kuchokera pa mbiri ya chitetezo cha dziko, tikhoza kunena kuti panali malipoti pamene mlingo wa bungwe Russian mlingo atamvera pambuyo revocation chiphatsocho, mu ichi, mu maganizo athu akhoza kukhala ndi wodalirika yekha mlingo wa Katswiri RA bungwe, malinga kampani mlingo wa osachepera A + (!).

Monga mukuonera mndandanda ndi si chachikulu: BTA Insurance Company; Alpha Insurance; Alliance; FAC; VTB Insurance; Hephaestus; Gulu Kubadwa Kwatsopano Insurance; Rosgosstrakh Gulu; "Capital Gulu"; Guta-Insurance; Generali PPF inshuwalansi ambiri; ZHASO; Ingosstrakh; Max; Medexpress; Pari; RESO-Wotsimikizira; RSK; "Sterkh"; SC ALROSASK; TransneftSK; "Chartis"; SOGAZ; chilolezo; Insurance Gulu IIC; Insurance Gulu UralSib; Insurance Company "Surgutneftegas"; Tito; Zurich; Emergency Insurance Company; Chulpan; Energogarant; ERGO Lazaro

3. Ngati mwasankha MTPL kapena CASCO insurer

Inde, mothamanga yaitali zilibe kanthu kumene inshuwaransi CTP: kukonza choyamba sanafune inu, ndi amene mwalowetsa (inu, kumene Hull ku kampani aulemu), ndi malipiro MTPL amayenda ndi boma.

Koma, ndife oona mtima ndi inu anthu olemekezeka, ndipo amachititsa anthu amene ... kotero ... chinthu chofunika kwambiri kuyang'ana kampani anali kukula mofulumira malipiro ndi CTP yoy. Monga ulamuliro (milandu 9 pa 10) ndi kalambulabwalo chakuti izo adzasiya msika, ndi poona zochita zanu ndi munthu wabwino - kupeza phiri la mavuto pa mutu wake

4. Short List

sitepe Last: kukusalani makampani kuti mwalamulo kuika zogulitsa (m'magulu awa si makasitomala, iwo kuthetsa mavuto awo) ndi ife kupeza mndandanda komaliza.

Ngati mukuganizira zimene kampani anakhalabe mu mndandanda kochepa, koma osati chidwi yekha kumvetsa funso - kulemba, ife kufalitsa zotsatira za kafukufuku.

C ulemu, "polyols Insurance" timu.