home - Insurance - lecture notes - Ctrahuvannya - Abstract lektsіy

Ctrahuvannya - Abstract lektsіy

<< Contents <Prev

Mainova strahuvannya

One іz naystarіshih іnstitutіv strahuvannya Je Mainova strahuvannya. About Demba zgaduєtsya slit zadovgo to nashoї Yeri, if viniklo natural strahuvannya.

Mainova strahuvannya Je Form Zahist od rizikіv scho zagrozhuyut lane chi grupі speeches od vtrati (znischennya) chi poshkodzhennya and takozh pіdpriєmnitskih rizikіv. Ale Zahist od zaznachenih rizikіv zdіysnyuєtsya for minds, scho stink not wearing navmisny character.

Ob'єktom Mainova strahuvannya Je maynovі Interests, pov'yazanі s:

  1. volodіnnyam;
  2. koristuvannyam;
  3. rozporyadzhennyam lane.

The subject of Mainova strahuvannya Je:

  1. rizik vtrati (znischennya) nestachі abo poshkodzhennya

Pevnyi Lane;

  1. rizik in zbitkіv pіdpriєmnitskіy dіyalnostі.

Before spetsifіchnih Find our Mainova strahuvannya nalezhat nastupnі:

  1. ob'єkt strahuvannya Got vartіsnu otsіnku;
  2. strahuvannyu pіdlyagaє concrete vlasnіst;
  3. insurance scrip is not Mauger perevischuvati dіysnoї (zalishkovoї) vartostі lane at the time of the contract ukladannya strahuvannya;
  4. nayavnіst fact poshkodzhennya, kradіzhki, znischennya not Je dostatnoyu minds for viplati vіdshkoduvannya, neobhіdnoyu minds Je nayavnіst zbitku;
  5. Strahov vіdshkoduvannya not Mauger Buti Jerel neobґruntovanogo zbagachennya strahuvalnika;
  6. dogovіr Mainova strahuvannya not ukladaєtsya on trivaly hour;
  7. sub'єktіv INSURANCE vіdnosin Mauger Buti three: insurer, strahuvalnik, vigodonabuvach.

Klasifіkatsіya Mainova strahuvannya zdіysnyuєtsya for such acquaint themselves:

  1. the shape of the zdіysnennya: dobrovіlne, obov'yazkove;
  2. for types of insurance sub'єktіv vіdnosin: yuridichnі individuals; fіzichnі individuals; fіzichnі individuals scho zaymayutsya pіdpriєmnitskoyu dіyalnіstyu;
  3. for galuzzyu Economy: promislovіst, sіlske Gospodarstwa toscho;
  4. View Lane for transportation vehicles (land, povіtryany, morsky); vantazhіv that baggage; kreditіv; іnvestitsіy; fіnansovih rizikіv; vitrat vessels; Vidanov that priynyatih garantіy, mainly zasobіv; Werewolves aktivіv; UNFINISHED virobnitstva; vrozhay sіlskogospodarskih cultures sіlskogospodarskі tvarini, domashnі Ptakha; budіvlі, household Lane; domashnі tvarini; toscho (viznachaєtsya spetsіalnim perelіkom at lіtsenzuvannі);
  5. for species ukladenih dogovorіv: mainly dodatkovy;
  6. for the types of insurance podіy: Vaughn od, od stihіynih lih, neschasnogo vipadku that іnfektsіynogo zahvoryuvannya tvarin; od avarії, vibuhu.

System of insurance rates tarifіv, їh diferentsіatsіya, zastosuvannya znizhok, natsіnok, pіlg - naybіlsh thin yelement INSURANCE vіdnosin. Tarifnі rates Mainova strahuvannі diferentsіyovanі for galuzevoyu nalezhnіstyu for kinds of companies that organіzatsіy for kategorіyami strahuvalnikіv for stage riziku okremih vidіv Transport for Grupo tvarin toscho. Znizhki zastosovuyutsya, Yakscho strahuєtsya tsіlіsny Mainova complex Yakscho strahuvalnik for danimi ob'єktami Je postіynim klієntom strahovoї kompanії she did not otrimuvav insurance vіdshkoduvannya. Natsіnki priznachenі for the agriculture strahuvannya zasobіv that lane when provedennі viprobuvan that eksperimentіv. Pіlgami koristuyutsya pіdpriєmstva sіlskoї mіstsevostі that gromadyani Pevnyi kategorіy (іnvalіdi, postіynі klієnti). Vikoristannya franchise takozh vplivaє on zmenshennya rozmіru tarifnoї rates.

Strahov vіdshkoduvannya viplachuєtsya fallow od rozmіru insurance zbitku that system (method) strahuvannya.

Zbitkom at strahuvannі Lane vvazhaєtsya:

  1. Yogo at razі znischennya chi kradіzhki - Yogo dіysna vartіst s urahuvannyam instal lment at the time nastannya insurance vipadku abo dіysna vartіst, vihodyachi іz rinkovih tsіn;
  2. in razі poshkodzhennya - rіznitsya mіzh statement (vkazanoyu, viznachenoyu) dіysnoyu vartіstyu i vartіstyu lane tsogo s urahuvannyam znetsіnennya in rezultatі insurance vipadku.

INSURANCE zbitok at strahuvannі basically i werewolf aktivіv vklyuchaє:

  1. vartіst znischenogo Lane otsіnkoyu of insurance; vartіst poshkodzhenogo Lane urahuvannyam s yogo znetsіnennya;
  2. vitrati, pov'yazanі s ryatuvannyam Lane, zapobіgannyam that zmenshennyam zbitkіv (peremіschennya Lane in bezpechne Location, vіdkachka toscho Vod);
  3. vartіst robіt s Bringing are insured Lane in nalezhny viglyad (pribirannya, sushіnnya, sortuvannya toscho).

Іz rozmіru insurance zbitku virahovuyutsya:

  1. vartіst pridatnih for vikoristannya Chastain Lane;
  2. vartіst pridatnih for vikoristannya, ale znetsіnenih Chastain Lane (planks, tsegla, zapchastini, іnstrumenti toscho)

INSURANCE zbitok at strahuvannі Transportation, zasobіv viznachaєtsya:

  1. when kradіzhtsі - for yogo vartіstyu s urahuvannyam instal lment at the time nastannya vipadku insurance;
  2. when znischennі - for yogo vartіstyu s urahuvannyam instal lment of virahuvannyam vartostі zalishkіv (mozhlivo znetsіnenih i) pridatnih for vikoristannya away;
  3. when poshkodzhennі - for vartіstyu repair in this order: up vartostі novih details zmenshenoї vіdpovіdno vіdsotku instal lment, yaky vkazuєtsya in dogovorі strahuvannya, dodaєtsya vartіst Repair robіt, Dali vіdnіmaєtsya vartіst zalishkіv, pridatnih for the away vikoristannya that pereotsіnenih vіdpovіdno to vіdsotku instal lment i stage їh znetsіnennya scho viklikanі vipadkom of insurance; vklyuchayutsya takozh vitrati minutes on ryatuvannya transport zasobu (in addition chislі th dodatkovy zbitok, viklikany ryatuvannyam people) pid hour vipadku insurance, to bring in nalezhny viglyad that transportuvannya nayblizhchogo to repair the item chi postіynogo Georeferencing Accommodation (ale within nayblizhchogo repair item); okremo insurer oplachuє vartіst robіt Zi skladannya koshtorisu vitrat for repairs ale oplachuє zbitok vtrati commercial motor zasobu mind.

INSURANCE zbitok at znischennі chi poshkodzhennі sіlskogospodarskih cultures viznachaєtsya, vihodyachi іz vartostі kіlkіsnih vtrat vrozhayu osnovnoї produktsії Culture (groupies crops) on vsіy ploschі posіvu (landing), rozrahovanіy for rіznitseyu mіzh vartіstyu vrozhayu of 1 ha in serednomu for ostannі 5 rokіv i danogo rock dіyuchih Reigning zakupіvelnih tsіn. In razі pіdsіvu chi peresіvu sіlskogospodarskih cultures vrahovuєtsya serednya vartіst vitrat on peresіv chi pіdsіv i serednya vartіst vrozhayu re posіyanih chi pіdsіyanih cultures.

In Ukraїnі in sіchnі 2001 p. priynyato obov'yazkove strahuvannya vrozhayu sіlskogospodarskih cultures i bagatorіchnih nasadzhen for Reigning sіlskogospodarskih of companies and stosovno vrozhayu grain crops that tsukrovih buryakіv - sіlskogospodarskimi pіdpriєmstvami vsіh vlasnostі forms. Strahovі platezhі schodo obov'yazkovogo strahuvannya vrozhayu kompensuyutsya in rozmіrі not Mensch yak 50% vitrat incurred pіdpriєmstvami.

INSURANCE zbitok at strahuvanoyu (іnventarnoyu, vkazanoyu at dogovorі strahuvannya) vartіstyu (robochoї thinness - urahuvannyam amortizatsії s) on the day zagibelі;

  1. in razі vimushenogo slaughter - іz sumi zbitku virahovuєtsya vartіst m'yasa, pridatnogo for vikoristannya, vartіst skins vіdhodіv scho vikoristovuyutsya.

For CIM view strahuvannya vіdshkodovuєtsya tіlki directly zbitok - zagibel (padіzh, vimusheny zabіy) tvarini. Vtrati produktsії scho Yea indirect zbitkom at strahuvannyu not vіdshkodovuyutsya.

Otzhe, Mainova strahuvannya Je views strahuvannya Where Money Does ob'єktom INSURANCE vіdnosin vistupaє Main. Vono zabezpechuє INSURANCE Zahist that vіdshkoduvannya, nasampered, direct zbitkіv, Hoca in the minds of Pevnyi obsyag strahovoї vіdpovіdalnostі mozhut include th nepryamі zbitki.


<< Contents <Prev