home Insurance Strahuvannya - Osadets SS

Strahuvannya - Osadets SS

14.2. Strahuvannya tvarin

Strahuvannya tvarin - view Mainova strahuvannya, yaky zabezpechuє INSURANCE Zahist vlasnikam on vipadok zagibelі, case abo vimushenogo tvarin slaughter. Ninі Tsey view strahuvannya not nabuv nalezhnogo rozvitku on vіtchiznyanomu insurance market analysis. Ale Bazhannya vlasnikіv tvarin zaruchitisya Zahist on vipadok mozhlivih vtrat vіdkrivaє shirokі mozhlivostі Insurance kompanіy in rozvitku this mean strahuvannya.

Treaty dobrovіlnogo strahuvannya tvarin ukladayutsya s fіzichnimi ocobami, SSMSC Je vlasnikami tvarin.

Character strahuvannya Tyagny behind him a number of obov'yazkovih vimog to ukladannya dogovorіv.

1. Viznachaєtsya ob'єkt strahuvannya (Tse shaping can Buti zdorovі tvarini s Pevnyi vіkovimi obmezhennyami):

great horned thinness, konі - vіkom od 1 mіsyatsya;

svinі - od 6 months at;

Muli is the small horned thinness: vіvtsі, Cozy, vіslyuki - od a rock;

hutrovі zvіrі: nutrії, krolі - of 45-dennogo vіku;

Dogs - od 6 months at 10-12 rokіv;

bdzholosіm'ї, Kochi, dekorativnі Ptakha: papugi;

ekzotichnі tvarini: Mavpy, zmії i t іn..

On strahuvannya not priymayutsya tvarini hvorі, visnazhenі and takozh Ti, SSMSC perebuvayut in mіstsevostі de announced quarantine (krіm tvarin quiet vidіv, SSMSC to danogo zahvoryuvannya nespriynyatlivі).

2. Takі tvarini dogs yak, priymayutsya on strahuvannya, Yakscho stink zareєstrovanі in spіltsі sobakovodіv-amatorіv, Ukraїnskomu tovaristvі mislivtsіv that abo Fishermen in Tovaristvі spriyannya oboronі Ukraine; and bdzholosіm'ї - pіslya perevіrki veterinary sanіtarnogo passport pasіki (pasіki characteristics, veterinary sanіtarnogo will).

3. Vlasniki tvarin zobov'yazanі Suvorov doderzhuvati installed at danіy mіstsevostі rekomendatsіy schodo doglyadu for tvarinami, їh godіvlі th utrimannya and takozh get used vsіh zahodіv, Abi poperediti їh zahvoryuvannya that zagibel. Tom ukladannya to the contract insurer responsible perevіriti, chi mozhna priynyati on strahuvannya tvarin in danomu gospodarstvі. Yakscho in gospodarstvі not doderzhuyut zaznachenih minds dogovіr strahuvannya not ukladaєtsya.

Riziki, pov'yazanі Zi strahuvannyam tvarin can podіliti on Vier groupies.

• Strahuvannya on vipadok zagibelі abo deaths tvarin od hvorob chi stihіynogo Down and Out (povіn, collapse, bliskavka, storm, hurricane, hail, zemletrus) dії elektrichnogo Strum, freezing, strangled, otruєnnya herbs, bite zmіy abo otruynih komah, drowning, Hit pid zasіb transportation, falling into that uschelinu INSHI travmatichnі poshkodzhennya.
• Strahuvannya on vipadok vimushenogo slaughter tvarini, Yakscho Won travmovana through neschasny vipadok i tse unemozhlivlyuє away її vikoristannya. Abo Yakscho vimusheny zabіy (for rozporyadzhennyam spetsіalіsta veterinarnoї service) pov'yazany іz vzhittyam zahodіv, spryamovanih on Borotba s epіzootієyu nevilіkovnoyu hvoroboyu abo scho takozh viklyuchaє away mozhlivіst vikoristannya tvarini.
• Strahuvannya on vipadok lіkuvannya tvarini od hvorobi chi injury, oderzhanoї vnaslіdok neschasnogo vipadku. At just past danomu razі about nepryamі zbitki in viglyadі dodatkovih vitrat on utrimannya tvarini.
• Strahuvannya on vipadok vikradennya abo navmisnih nepravomіrnih Act reasonably tretіh osіb.

In strahovіy praktitsі іsnuyut rіznі varіanti obsyagu vіdpovіdalnostі, ale stink rіznyatsya mіzh him kіlkіstyu rizikіv, schodo yakih ukladaєtsya dogovіr.

Dogovіr strahuvannya ukladaєtsya on pіdstavі usnoї abo pismovoї Claim strahuvalnika, yak usually prompt on Year 1, s obov'yazkovim tvarin looking around for minds strahuvannya vsіh nayavnih in gospodarstvі tvarin danogo mind. Coley in gospodarstvі Je tvarini rіznih vidіv (napriklad, great horned thinness, svinі, krolі) for Bazhanov strahuvalnika shaping can Buti zastrahovanі tvarini vsіh vidіv abo deprivation is one kind (skazhіmo, great horned thinness).

INSURANCE Zahist tvarin obmezhuєtsya teritorієyu (zhitlovі that dopomіzhnі primіschennya, prisadibna dіlyanka strahuvalnika) obumovlenoyu yak Location strahuvannya, tobto for addresses, zaznachenoyu svіdotstvі have insurance.

Yakscho not tvarini perebuvayut for mіstsem strahuvannya, insurance Zahist pripinyaєtsya.

Strahov scrip vstanovlyuєtsya on skin tvarinu okremo, and її Maximum rozmіr not Mauger perevischuvati rinkovoї vartostі tvarini (insurance otsіnka). For vsіh tvarin one mind that vіkovoї groupies insurance scrip Got Booty odnakovoyu.

Strahuvannya tvarin Je dosit nebezpechnim rizikom, Aje cutaneous form of tvarin potrebuє rіznogo obsyagu strahovoї vіdpovіdalnostі. Tsі that INSHI factorization zumovlyuyut vikoristannya rіznih tariff rates rozmіr yakih Mauger stanoviti 1-10% od strahovoї sumi. Vodnochase strahuvannya velikoї rogatoї thinness zdіysnyuєtsya for boundary rozmіrami INSURANCE tarifіv - od 2 to 5% od strahovoї sumi; strahuvannya horses - vіdpovіdno od 3 to 7%.

INSURANCE platіzh strahuvalnik Mauger splatiti gotіvkoyu predstavnikovі insurers odnochasno s ukladannyam agreement abo bezgotіvkovo through buhgalterіyu pіdpriєmstva de vіn pratsyuє on rakhunok ustanovі insurer in the bank. Koli INSURANCE platіzh becoming valued scrip, strahuvalnikovі nadaєtsya right to make an insurance platіzh have two abo three lines.

Osoblivіst strahuvannya tvarin, yak Tsei vіdrіznyaє view strahuvannya od іnshih, pov'yazana Zi vіdpovіdalnostі lines insurer. Thus, insurers vіdpovіdalnіst s viplati insurance vіdshkoduvannya at zagibelі tvarin od hvorobi nastaє through kіlka (napriklad, 10) dnіv s time cob dії contract tobto pіslya Splat insurance payments. Tacke vіdstrochennya daє zmogu uniknuti viplat for tvarin, SSMSC at ukladannі contract boule hvorі i do not boule povinnі priymatisya on strahuvannya. Prote tse obmezhennya stosuєtsya deprivation novih that dodatkovih dogovorіv. Yakscho chinny dogovіr ponovleno on chergovy lines insurer without whether yakoї Pererva Nese Strakhov vіdpovіdalnіst. For vipadki zagibelі abo vimushenogo slaughter tvarin unaslіdok neschasnih vipadkіv, dashing stihіynogo that dії tretіh osіb vіdpovіdalnіst insurers pochinaєtsya that pripinyaєtsya zgіdno s minds strahuvannya budіvel.

For postіynih strahuvalnikіv strahovі kompanії proponuyut rіznі pіlgi: znizhki sum of insurance platezhіv, dodatkovy mіsyachny termіn for restoration contract.

When nastannі insurance vipadku on strahuvalnika pokladayutsya pevnі obov'yazki (їh nevikonannya Mauger Why pіdstavoyu for vіdmovi in ​​viplatі vіdshkoduvannya insurance), and the Same:

• get used zahodіv schodo zmenshennya zbitkіv, zavdanih unaslіdok nastannya vipadku insurance;
• in Dobova termіn zayaviti about zagibel tvarini spetsіalіstu veterinarnoї services;
• in razі vikradennya tvarini, znischennya abo travmuvannya vnaslіdok navmisnih nepravomіrnih Act reasonably tretoї individuals zrobiti in Dobova termіn declared to organіv mіlіtsії;
• pismovo in Dobova termіn zayaviti about whether yaky of insurance vipadok strahovikovі.

Insurers pіslya otrimannya Claim strahuvalnika about the insurance vipadok obov'yazkovo skladaє insurance act in viznacheny minds strahuvannya termіn (1-3 dnі) in prisutnostі strahuvalnika povnolіtnogo abo member yogo sіm'ї that dvoh svіdkіv. In aktі zaznachayutsya view that vіk zagibloї tvarini, її suit that prikmeti, if zaginula (zahvorіla) tvarina, if i someone about tse stated reason is obstavini scho prizveli to її zagibelі (vimushenogo slaughter, vikradennya, zahvoryuvannya) and takozh viznachaєtsya suma zbitku th vіdshkoduvannya insurance.

To establish the facts that cause zagibelі tvarini insurer koristuєtsya: visnovkom spetsіalіstіv veterinarnoї service, dovіdkoyu organіv gіdrometeorologіchnoї service, pozhezhnogo obvious, mіlіtsії, toscho court.

Suma zbitku viznachaєtsya:

• in razі zagibelі abo vikradennya tvarini - at rozmіrі rinkovoї vartostі tvarini (insurance otsіnka), scho sklalasya in danomu regіonі;
• when vimushenomu zaboї:

a) schodo velikoї rogatoї thinness, horses, pigs, sheep, kіz - at rozmіrі rіznitsі mіzh rinkovoyu vartіstyu tvarini that vartіstyu pridatnogo to getting used to the їzhu m'yasa;

b) fur-bearing zvіrіv - at rozmіrі rіznitsі mіzh rinkovoyu vartіstyu that vartіstyu skins i pridatnogo to getting used to the їzhu m'yasa. In oboh vipadkah vartіst zaznachenogo m'yasa vstanovlyuєtsya on pіdstavі document organіzatsії, kotrіy sold m'yaso. Yakscho spetsіalіstom veterinarnoї service m'yaso viznane povnіstyu nepridatnim to їzhі, scrip zbitku viznachaєtsya so yak for zagiblu tvarinu;

• in razі lіkuvannya tvarini od hvorobi abo injury - at rozmіrі vartostі lіkuvannya scho zaznachena in dovіdtsі spetsіalіsta veterinarnoї service.

Strahov zabezpechennya at strahuvannі tvarin bazuєtsya on sistemі Perche riziku. Oznachaє Tse, scho in razі znischennya (vimushenogo slaughter, vikradennya abo lіkuvannya) tvarini Strahov vіdshkoduvannya viplachuєtsya strahuvalnikovі in rozmіrі sumi zbitku, ale not bіlshomu of insurance scrip.

1. The Citizen Butt UCLA dogovіr strahuvannya cows in the insurance scrip 400 UAH vartіst cows becomes 600 UAH. Suma zbitku vnaslіdok zagibelі viznachena has been viewed 600 UAH. Strahov vіdshkoduvannya pіdlyagaє viplatі in rozmіrі 400 UAH.

Krіm order to rozrahunku SUMI insurance vіdshkoduvannya neobhіdno nobility skіlki tvarin (Especially pigs, sheep, kіz, papug) in Bulo strahuvalnika at ukladennі agreement that in razі nastannya insurance vipadku. Yakscho day zagibelі tvarini in gospodarstvі strahuvalnika Quantity tvarin danogo mind that vіku perevischuvala Quantity are insured i do not mozhna vstanoviti, yak bula sama s they are insured, the insurance scrip, vstanovlena for agreement on factual dіlitsya Quantity tvarin day vipadku insurance. Strahov vіdshkoduvannya in such razі viplachuєtsya in rozmіrі sumi zbitku, ale not bіlshomu for the Chastain strahovoї Sumi, yak dropping the share odnієї tvarini.

2. The Citizen Butt MAV dogovіr on strahuvannya chotiroh nutrіy on zagalnu Strakhov the bag 180 UAH vartіst odnієї nutrії becomes 45 UAH. Pіslya ukladennya contract strahuvalnik buying a slit nutrіyu. Through hvorobu one nutrіya zaginula. Rozmіr zbitku stanovitime 45 UAH, insurance vіdshkoduvannya - 36 UAH. (180: 5).

Act about zagibel (vimusheny zabіy) is the competent dovіdka organіv scho pіdtverdzhuє INSURANCE vipadok, Je bunt documents on pіdstavі yakih strahuvalnik otrimuє Strahov vіdshkoduvannya. Prote insurer Mauger vіdmoviti in vіdshkoduvannі zbitku, Yakscho s tvarinu scored gospodarskih mіrkuvan (for realіzatsії m'yasa through starіst i t іn..); strahuvalnik Porush termіn in yaky Got vіn taxes stated about the insurance vipadok; the fact of insurance vipadku not pіdtverdzhuєtsya the competent authority; zagibel tvarini Je naslіdkom voєnnih Act reasonably, radіoaktivnogo zabrudnennya, navmisnih Act reasonably strahuvalnika povnolіtnogo abo member yogo homeland.

Nezvazhayuchi to those scho strahuvannya tvarin Got longtime іstorіyu, Tsey view strahuvannya slit th dosі lishaєtsya nezvichnim for ukrajins'koho insurance market analysis. Prote in rіznih єvropeyskih kraїnah strahuvannya tvarin Je dosit popular type strahuvannya. Especially rozvitku Tsey view strahuvannya nabuv in Velikіy Britanії. Vvіz expensive porіd thinness that ekzotichnih tvarin i pragnennya zapobіgti Pevnyi zahvoryuvannyam tvarin sprichinilisya popitu appeared before the insurance Zahist tvarin.

Strahuvannyam ohoplena great horned thinness, konі, vіvtsі, svinі, Kochi, dog. Insurers vіdpovіdayut for zbitki scho vinikli vnaslіdok hvorobi, vikradennya that neschasnih vipadkіv. During the Strakhov dodatkovu premіyu to obsyagu vіdpovіdalnostі insurers shaping can Buti vklyuchenі riziki transported morskim abo povіtryanim transport that deyakі hіrurgіchnі operatsії. Strahov scrip vstanovlyuєtsya in furrows rinkovoї vartostі tvarin.

Deyakі strahovі kompanії proponuyut kombіnovanі polіsi s єdinoyu INSURANCE premієyu, sutnіst yakih polyagaє in the fact scho on strahuvannya priymayutsya kіlka vidіv tvarin. INSURANCE Zahist Mauger nadavatisya in viglyadі tsіlogo package rіznih vidіv insurance pokrittya.