Chii chinonzi yemitambo inishuwarenzi kuti mwana uye nei tichifanira formalize

Mumwe nomumwe wedu, Chokwadi, kuziva zvakanakira mutambo, kunyanya nokuti muviri hwemwana. Asi usakanganwa kuti chero mitambo mabasa chokuita kuchiitirwa zvinorwadza. Kudzivirira utano uye upenyu duku mutambi, vabereki chete vanoda yemitambo inishuwarenzi kuti mwana. "Rosgosstrakh", "Max", "Advant", "Ingosstrah2" uye dzimwe makambani akawanda refu kuwedzerwa dzavo mazita mishonga inishuwarenzi uye vanofara kupa zvakafanana basa.

Sei uchifanira kunyoresa inishuwarenzi nemitambo

Sezvo vana vane zvakawanda kushingaira kupfuura vakuru, uye kazhinji anongoti havagoni kugara vachiri, mitambo yakawanda zvikwata (kunyange wechesi netsvimbo) chete usadzosera vakomana vasina inishuwarenzi. Saka varairidzi kanenge zvishoma kubva mutoro makuvaro vatambi vake. Kunyanya kwairayirwa inishuwarenzi kuti mitambo makwikwi, mari uye makwikwi siyana uye nzendo, nekuti kazhinji zviri "precompetitive" euphoria vana zvachose kukanganwa pamusoro nokungwarira.

Kukuvara aripo, saka chinhu chakaipa kufunga chero mutambo, kana mwana wako anofarira checkered, inishuwarenzi hazvirevi inoenderana naye. Saka kana iwe utano zvinodhura uye kuchengeteka mwana wenyu, ivai nechokwadi kuti kuuraya mutemo. Kunyanya kuti ichi mhando inishuwarenzi inopiwa kubva makore maviri. The chikuru ndechokuti nembudzana apinda makirasi kanenge kamwe pavhiki.

Rinosanganisira chii inishuwarenzi ichi

Chokwadi, mubereki wose, achipa mwana neimwe chikamu ruchigona kusarudza mutambo, iyo yaizova kwete chete mwana wacho afarire, asi kuti akasiyana low njodzi yokukuvadzwa. Kunyange zvakadaro, Wokumusoro-dzakakurumbira mitambo dzinongova kupfuura zvinorwadza. Rakagadzirirwa kugadzirisa kusawirirana uye unhu yemitambo inishuwarenzi kuti mwana.

Zvinofungidzirwa kuti nhongo mumitambo kupfuura zvinorwadza kupfuura vakadzi, asi hazvisi. Chokwadi, nhabvu kana Hockey hunoratidza kwakawedzera basa kuti hwakazara mapopoma uye mitswe, uye hapana kunyorerana mitambo - Karate, tsiva, Aikido, Sambo nevamwe - uye handigoni kutaura. Asi vasikana havasi kure shure panyaya iyi: nhamba Skating, akirobhatikisi, jimunasitikisi, ballroom kutamba uye mitambo - ichi hachisi mazita zvakakwana mutambo marudzi kuti angazadza aitungamirira chinzvimbo pamazita chezvinhu zvinorwadza.

mamwe zvinhu

Kana wechiduku shasha richienda makwikwi mune mamwe maguta kana kunyange uyu, yemitambo inishuwarenzi kuti mwana kuti kuwedzerwa Zvimwe zvinhu. Pane chinogona zvaisanganisira chiratidzo nokusunungurwa chisingaperi zvirwere, kutsvaka uye kununurwa, kufamba uye pekugara mumwe kuhama, kana mwana harina chimbichimbi, murwere chokufambisa kunzvimbo yokugara zvechigarire, ari kubvisa pamusoro neherikoputa, uye vamwe. Mari mutemo panguva iyoyowo kunowedzera zvishoma, asi vabereki vanogona kuva nechivimbo chokuti kana chinhu chinoitika, mwana wavo haangaiti kuenda dambudziko oga.

mutengo sportstrahovki

Zvichida mumwe pezvidzidzo kuti vabereki vanofarira - iri sei zvichatora mari inishuwarenzi yemitambo nokuda mwana. kukosha kwayo neimwe nyaya rinowanikwa nomumwe uye anoenderana zvinhu zvakawanda.
Heano mamwe acho:

• Chokutanga, mutengo mutemo kunoenderana mhando mutambo, iyo anobata mwana - zvikuru nengozi, zvakawanda dzinodhura.
• The rokuti mutemo - pano zvakakosha, kuti mazuva akawanda inishuwarenzi iri rakapa. Mutemo inogona rakapa yose gore, uye anogona kudzivirira mwana mberi kwemazuva mashomanana, somuenzaniso panguva yacho makwikwi. Zvakajeka pfupi iri rokuti mutemo chiito, saka zviri isingadhuri.
• Verengai insured - pano zvakakosha kunzwisisa kuti kuripwa hombe here kutarisira mune nyaya kukuvara, zvakawanda dzinodhura vachafanira kubhadhara inishuwarenzi.
• Nhau - mari inishuwarenzi, anoshanda chete pamusoro munharaunda Russia ndiyo shoma zvikuru pane mari mutemo kuti kufamba kunze kwenyika.
• Age of mwana - kazhinji muduku mwana, zvikuru vabereki vanofanira kubhadhara yokunyoresa inishuwarenzi.
• On mari mutemo riri nemarererwo mamwe zvinhu zvaisanganisira mairi, dzakadai kurapwa kukuvara vachishandisa michina zvinodhura.

Zvinoumba chibvumirano

Kana ukasarudza kuti yemitambo inishuwarenzi mwana - iri nyore, ipapo muri zvakaipa. Regai kuvimba kuvimbika maneja wekambani inishuwarenzi. Asati kusaina chibvumirano, akanyatsoriongorora kudzidza. Kunyanya kunyatsoongorora kudzidza avo zvinhu zviri chibvumirano, iro nesipereti kunze ezvinhu pasi iyo kutyora zviri muripo iwe ucharambwa.

Somuenzaniso, kana mutambi zvaipesana zvaanoda uye nyevero ngozi akaramba zvidzidzo uye akuvara kubatwa vachava mari yazvo.

Kunyanya kuteerera kusvika pamusoro kuwanikwa doro muropa. Chokwadi, mubereki wose nechokwadi chokuti mwana wavo haazombofi kunwa doro, asi tsika inoratidza kuti kuyaruka uchibuda pasi kuongororwa (somuenzaniso, kana kuenda makwikwi mune mamwe maguta), dzimwe nguva achibvumira pachavo rakawandisa.

Uyewo, iva nechokwadi kuti kuteerera kukosha kodzero - uyu wakadaro risingamboshandisi mari, izvo risingabatanidzwi yose payout. Somuenzaniso, kana ari deductible iri 1,000 rubles, uye kurapwa mwana ari achikanganisa 900. p., Kambani yeinishuwarenzi havafaniri kubhadhara chinhu.

How kuti akabhadhara

Zvakadini kana iwe watova yemitambo inishuwarenzi mwana - "RESO", "Renaissance", "Rosgosstrakh", kana mumwe boka? Zvokuita kana mwana wako wakuvadzwa, uye chii unofanira kugadzirira magwaro?

Chokutanga, chero kukuvara unofanira kutsvaka kurapwa nokukurumidza. Chiremba anofanira kuva nechokwadi kuti zvigadzirise tsaona uye vobva iwe rugwaro, iyo inodiwa kuti muripo.

Zvino unofanira munguva yemberi iri pedyo - kazhinji iri nguva isina anopfuura 3 Mazuva - kuzivisa insurers yacho chiitiko chero nzira muchikwanisa. Vashandi wekambani vakuudzeyi zvekuita mberi sei uye nokukurumidza, chii rinotaura unofanira kugadzirira. Kakawanda, zviri anotarira seizvi:

• kushanda aripe;
• inishuwarenzi Gwaro kana kopi yaro;
• wehurumende pasipoti mumwe mubereki (the insured);
• mwana atoberekwa chitupa;
• VAT uwandu wacho uye akaundi uko muripo tichaverengerwa icho.

Kana mutambi wakuvadzwa, haawirirani upenyu, kuziva rufu chitupa (yepakutanga + kopi), pamwe yokurapa mushumo pamusoro chinokonzera rufu. In pave chero urema - rwokurapa Mushumo zvinokonzera ayo chionekeso uyewo notarized kopi chitupa MSEK.

Uyezve, uchaona vanoda pakutengeserana zvenyu zvose kuti mishonga, nokurapwa rakashandurwa uye zvimwe zvinyorwa achisimbisa mari imi chakakonzerwa namaneja pachishandiswa insured chiitiko.

Pakusarudza kambani yacho inishuwarenzi

Ichi chimwe chezvinhu zvinokosha pfungwa kuti unofanira kuteerera, kana uchida yemitambo inishuwarenzi kuti mwana. "Alpha Insurance", "RESO-Guarantee", "Ingosstrakh", "Renaissance", "Liberty" - izvo kambani yokusarudza? Chokwadi, kuti kusarudza kambani yacho inishuwarenzi anofanira aswedera zvikuru. Vasati kupinda chibvumirano kwete usimbe kuunganidza mamwe mashoko pamusoro insurer. Heano Wongororo zvakwakakubatsirai shamwari, vanoshandisa Indaneti ari forum siyana. Kunyanya kunyatsoongorora kudzidza mashoko asina kunaka, nokuti maari kazhinji zvichiita kuwana ruzivo pamusoro siyana misungo. Shanyira Mahofisi anoverengeka uye ukanyatsoongorora dzichitaurwa ezvinhu.

Mitambo inishuwarenzi mwana - hazvina basa chaizvo uye anokosha, saka unofanira kuvimba kuti nyanzvi. Qualitative negwaro kunobatsira vabereki vanonzwa hwakanyarara, uye kupa chivimbo jaya mutambi.