"Companion" (kambani inishuwarenzi): rezinesi yakabviswa. Zvokuita? Where kuenda?

Nhasi munhau zvikuru uye kakawanda unogona kuona mashoko kuti imwe kambani inishuwarenzi vakarasikirwa kwayo rezinesi uye motokari varidzi vari vatengi ayo havazivi zvokuita netsvimbo dzavo.Vakabva. Vamwe vanodavira kuti hazvibviri kuwana chokwadi uye muuye upfumi yemari vasiri vechokwadi. Vamwe vanoenda kudare uye vakatenda kuti mutemo akapa ezvinhu akadaro uye, naizvozvovo, nzira kusawirirana dzakadaro.

To musi, kambani yacho inishuwarenzi "Companion" yakabviswa rezinesi. Chii vaya vatengi yesangano iri kuitei? How kuziva pachine nguva kuti UK aigona chisanyanya rezinesi? Pane mukana kudzorera mari? Funga zvose kuitira.

Chii makambani kazhinji kuwira chichiita-mazita Central Bank

Central Bank akatovaregerera kuvharwa anenge 31 makambani uye 17 oga insurers. matanho akadaro vanobviswa pamusoro yemakambani inopwa kutevedza zvinodiwa Central Bank chokuita mari kugadzikana uye solvency yacho sangano. Saka, kana kambani haana kusimbisa zvinhu zvavo zvemari, SC kwakadaro - kusauka, ukuwo, ivo vakapinda chemabhazi-mazita uye handichakwanisi tiite mabasa avo pamusoro inishuwarenzi dzinogarwa.

Kazhinji vasava rezinesi mahofisi kuti anopa Central Bank of vasingavimbiki mashoko pamusoro mitsara zvemari. Kazhinji izvi zvinoitwa kuti kuumba reserves inishuwarenzi. Zvisinei, regulator vanorumbidza pasina kufungisisa kuti, akavapindurawo, iri rakanaka kugumbura.

Maererano nemitemo veboka inishuwarenzi "Companion" hachisisina rezinesi akarova chemabhazi-pasi June 3, 2015.

Nokuda chii chimwe kuitika revocation kuti rezinesi

Zvinofanira pakarepo kunzi kugumiswa nekambani basa zvingava zvakafanira kuti uremu zvikonzero. Pane zviitiko apo Central Bank anotumira kuti zvinodiwa nesangano, asi anowana chinhu kudzoka. Ichi ndicho chiratidzo chokutanga kuti mabasa chekambani yaitwa zvakanaka. Chokwadi, zvino kutanga yose bvunzo, umo vanozivikanwa kutyorwa.

Zvinokoshawo kunzwisisa kuti revocation ane rezinesi - icho zvakanyanyisa chiyero kuti kuita chete chiitiko kuti insurer haana kupindura dzimwe nzira kudyidzana.

Mukuwedzera zvakakodzera kufunga zvokutaura, kuti muUK "Companion" riri kusauka, handizvo. Sezvo iyi, hapana matambudziko ari vatengi mabasa inishuwarenzi kungadai kusipo.

kusauka

Kana chokudzivirira chiyero ichi, vose vakaurayiwa vari anosimbiswa kuwana kuwana kwave kushandiswa aremekedzwe insurer.

Kazhinji, kusauka ane muitiro zvakakodzera kuti Implementation of UK zvinhu. urongwa kwakadaro kubvumira makambani kuti kutengesa zvinhu kuti apore kukuvadza kune akuvara nebato, ndiko kuti, vatyairi uye vamwe vakweretesi.

Financial insolvency wekambani kunoratidzwa mudare. Panyaya iyi, iyo initiator anogona kuita muridzi wekambani pacharo, uye kugutsikana vatengi.

Nhoroondo kambani "Companion"

Sezvo zvakaitika muna 2015 uye pamberi. Inishuwarenzi kambani "Companion" LLC wakavhurwa shure muna 1998 pasi zita "Srednevolzhskaya chokufambisa SK". Zvisinei, pashure 6 years, utariri akasarudza rename sangano "SOK".

Kutanga pazuva basa rokutanga, zvachose STRUCTURAL kuchinja kuchengetwa kambani. To izvi hazvina kuodza vatengi, insurers vakasarudza kuzodzosera muchiso uye apiwa zita boka kuti boka inishuwarenzi "Companion" muna 2007.

Kubvira panguva iyoyo, muUK ave achishingaira kusimudzirwa uye nokukurumidza runako akava mutungamiri muna MTPL uye Chikomo okutengesa. Muna 2013, "Companion" Akatopinda Rating makurusa insurers Russian.

Kwakadaro nzvimbo ichiwanda kwakakonzerwa kwete chete kune rokutengesa mitemo inishuwarenzi kumakambani vatyairi. The kambani ari kushingaira inopiwa minamato pamutemo masangano. Total mu Russia yakavhurwa 401 kuhofisi kambani.

It raigara kambani inishuwarenzi "Companion" pakero: Samara, Ul. Gagarin d. 141A, uye kokutanga nemakasitoma kusiya hofisi kwake akanaka chaizvo dzinovaka. Nemhaka akanaka ezvinhu boka racho inishuwarenzi akakwanisa kuwana vatengi hombe uye kuwana mabhiriyoni 6.7 rubles muna 2013. mari iyi ndiyo 87% kupfuura mari yacho UK muna 2012.

Pakupera 2013 "Companion" achitoita zvaisanganisira muna PCA uye rave nhengo shamwari siyana inishuwarenzi. Nokuda wakawedzera kwemari zvaiita kuitisa zvoutsinye promotional basa, uye izvi zvakabatsira kambani.

Zvisinei, muna April 2015 boka iri inishuwarenzi "Companion" rakavharwa kuti michina zvikonzero. vakatsamwa kambani vatengi dana pafoni Hotline, asi haina kushanda.

Sei yakavharwa

Sezvambotaurwa, "SOK" Yakazopiwa zita rokuti. Kusvikira zvino, hapana anoziva zvakanzi kwakabatana munhu rebranding. Zvisinei, kazhinji, varidzi "SOK" akazivisa pachavo kusauka, pashure ravakanga vasingagoni kuzodzosera kupinda musika ane zita "Blurred".

Pasinei zvose mano ayo, basa "Companion" haana kukwanisa kuzadzisa zvose zvinodiwa zvinodiwa Central Bank, zvokuti nekuda boka vakagamuchira toughest kurangwa - kusasangana of rezinesi. Chikonzero ichi chaiva vakawanda akaipa wongororo ari zvakasimba kuti vatengi. Car varidzi vakanyunyuta kuti inishuwarenzi asingadi kubhadhara mari uye anoramba kufungawo kuruzhinji mashoko uye zvibvumirano.

kumatare

Pakutanga, pasi Mutongo kuyananisa Court of Samara Region, kambani akanzi kusauka. Mukati 6 mwedzi muhofisi pfuma raifanira kutengeswa vabatsirwe motokari varidzi vasina kugamuchira mari yavo.

Zvisinei, akaipa wongororo zvichemo kubva vatengi vakashanda sezvo nhangaruvanze kuti zvimwe nomuedzo IC mabasa. The inspections akakundikana kuratidza mhosva zviito pamusoro chikamu kambani mamaneja. Chokwadi, pashure paizvozvo, mumwe mutsva chokutambudzika litigation. To musi, kambani yacho inishuwarenzi "Companion" yakabviswa rezinesi. Chii vaya vakatambura kubva mhosva mabasa sangano iri kuitei?

How kubhadhara kukuvadza kuti CTP

Nhasi, ari maguta akawanda Russian Federation achiri vakawanda kubiridzirwa vatengi. Car Varidzi sei zvakaitwa, haagoni kuwana mubhadharo. Vakawanda vakashamiswa kuziva kuti kambani inishuwarenzi "Companion" yakabviswa rezinesi. Zvokuita mumamiriro ezvinhu akadaro, kunyatsotarisisa.

Kana boka rave rezinesi yakabviswa, ipapo chete nzira yokuwana mari - ndiko kukumbira kuti kutonga simba. Zvinokoshawo kugadzirira pre-nomuedzo kutaura, mumwe chiratidzazvizhinji izvo zvinogona kuwanikwa kana panzvimbo kurapa, kana RSA (Russian Union of Car varidzi). Chete sangano rinogona kujekesa kana kambani yacho inishuwarenzi akanga kunyimwa rezinesi kana akanzi kusauka.

In drafting kuti rumhan'aro rinoti kuti muridzi motokari akamubvunza kuti mudzorere tsva chikamu shoma. Zvinokoshawo kufunga kuti shoko rokuti the vanoti anenge makore 2. Naizvozvo zvakafanira kuti kukurumidza kwete kunonoka mhinduro kuti dambudziko iri.

Zvakakodzera kutevedzana kwezviitiko zviito zviri sezvinotevera:

• Akaanyora pre-kutongwa kutaura, mumwe chiratidzazvizhinji izvo zvinogona kuonekwa munyaya ino kana kukumbira iri SAR. bepa ichi (chinofanira kuratidza motokari muridzi wacho akaundi uko mari anofanira Kutamiswa) kutumirwa zvakananga basa inishuwarenzi.
• Pashure nekambani utariri akasaita kuti kutaura, kutaura yakaitwa, izvo chakasvitswa kwawo simba.

Chikomo

Nokuti kugumiswa chesungano pakati inishuwarenzi pamusoro chokuzvidira kutengeserana mhando anofanira kutanga kushanda kuna chaidzo kutaura kugarwa dhipatimendi, izvo zvinofanira kuva musangano ose kuti anopa mabasa akafanana. Kuti aite izvi, unogona kutumira tsamba kuhofisi musoro uye vokumbira nekuripira kukuvadza.

Kana pasina chakaitwa muUK zvikasaitika, ipapo tinofanira kuita zvakafanana algorithm sokune pamusoro CTP.

Zvinoita kudzorera mari

Maererano nomutemo, mutengi kodzero kugumisa chibvumirano pamwe inishuwarenzi basa chero nguva. Pashure paizvozvo, kambani iri vaifanira kudzokera mari yake yasara. Asi, sezvo tsika inoratidza maekisesaizi hakusi nyore kudaro.

Mumwe "Companion" vatengi kugoverana nyaya dzavo oedza kupora mari kubva vakaregeredza insurer.

Kana akafunga kutengesa motokari yake, akakumbira kuminamato hofisi iyi. Sezvo motokari atenga nechikwereti, mumaoko motokari varidzi vaiva policies akawanda: MTPL uye Chikomo. Kuti aponese zvishoma uye awane chimedu tsva mari, mutyairi vakatendeukira "Companion". Mushure mechinguva kwakasarudzwa kugumisa kondirakiti. Paakasvika muridzi yemotokari akasangana muhofisi mushandi chete, yakamuudza kuti yakasimba rezinesi yakabviswa. Akamukumbira kuti kuzadza fomu uye kupa kudzoka gwaro. Zvisinei, bepa ichi haana kutaura chaipo apo uye sei mari yakawanda achaitwa vakadzokera nemhosva. Pashure 1.5 mwedzi zvinhu hachina kuchinja.

Kuwana chero tsananguro akanyengerwa yeGmail.END_STRONG akasagona nokuti hofisi yapera, uye inopisa-mutsetse dzenhare haashandi.

Kana tsaona chakaitika

Pane mamiriro ezvinhu apo yeGmail.END_STRONG yekambani inishuwarenzi inobatanidzwa mugwagwa mutsaona yomumugwagwa mushure UK rave rezinesi yakabviswa. Muchiitiko chino, kugamuchira mari muripo zvinogoneka chete kuburikidza kumatare.

Nokuti Court zvakafanira kugadzirira pepa, achisimbisa tsaona, kukumbira vachibhadhara inishuwarenzi, policies inishuwarenzi uye kugadzira dzakati kuti administrative mhosva.

Kana panguva dare zvekufamba riri vakaratidza kuti kambani akaenda kusauka, Akanyengerwa nemakasitoma kumirira pakutanga kusauka zvekufamba. Kazhinji kutengeswa yesangano iri makambani inotanga mukati 3 months pashure kuziva kusauka. Panguva ino, unofanira nokukurumidza sezvinobvira kutuma muzita iri kuyananisa Manager tsamba nokushanda chikumbiro kuwedzera mumwe muridzi motokari iri mazita chikwereti zvinotaurwa.

In mhedziso

Zvaakanga akadzidza nhoroondo uye zvinokonzera kuti kambani yacho inishuwarenzi "Companion" yakabviswa rezinesi, zvokuita hunowedzera zvinonzwisisika. Zvisinei, zviri nani uye asingauyi kuwira mumamiriro ezvinhu akadaro. Kuti arege kurasikirwa nemari, zvinokosha kudzidza zvakadzama kondirakiti pamwe insurer. Gwaro anofanira kunyora zvose zvinobvira ezvinhu uye zvaitika. Kana chibvumirano haritauri pamusoro zvinobvira kusauka kana kurasikirwa rezenisi, zviri nani kwaari, uye haana wemasaini.