Nhazi ọkwa nke insurance

Agreement na nchedo nke onwunwe n'elu omume nke insurance ekwu n'ihi na onyinye nke isiokwu a na-akpọ mkpuchi. Na nke a, na insurer bụ isiokwu, aha-eduzi ndị dị otú ahụ na-eme, nakwa dị ka na-enweta a ikike maka ya. Ịnshọransị ghọtara agabiga mbara igwe, nke na-akwụ onyinye, na nwere a iwu mmekọrịta insurer.

Insurance ekewa ụdị ụfọdụ. N'okpuru guise nke nwoke pụtara udu nke ụfọdụ homogeneous akpọkwa na a kpọmkwem insurance cover. Okwu "insurance" nwere Latin mgbọrọgwụ, ya mere, tụlee Western ọkà mmụta asụsụ, na a na-sụgharịrị dị ka "gbasaghị". Na Slavic asụsụ kwere na okwu ahụ bụ "insurance" - bụ ụdị emepụta nke okwu "egwu." Na Russian Federation, insurance - nke a bụ a dum na nkà mmụta sayensị usoro nke ụdị ọrụ na-nkewa site ụlọ ọrụ, ụdị, pụrụ iche njikọ na ngalaba.

The nhazi ọkwa dabeere na olu nke insurance liability ókè. Ọ nwekwara ike-dabere na ihe dị iche n'etiti ihe nke mkpuchi. Na 1978 ọ e guzobere na nhazi ọkwa nke ụdị nke mkpuchi maka mba nke EEC. Nke a nhazi ọkwa na-guzosie ike dabere na iwu na EEC ntụziaka na ụlọ ọrụ ịnshọransị. Insurance nhazi ọkwa-agụnye 6 di iche iche nke ogologo oge na 17 ọzọ ahụkarị ụdị.

Ogologo oge echiche:

• na-adịgide adịgide ike mkpuchi;
• ezumike nka;
• ego weere;
• ndụ;
• maka agbamakwụkwọ na ọmụmụ nke nwa;
• onyinye mkpuchi.

The nhazi ọkwa nke ụdị insurance metụtara ndị ofụri ofụri:

• Car Insurance.
• Mberede.
• Ihe anụ (onwunwe).
• Railway iga.
• Si ego losses.
• ibu mkpuchi.
• Bụrụ na nke ọrịa.
• Ụgbọ elu.
• Site ọdachi na oku.
• Civil liability nke ọkwọ ụgbọala nke ugbo ala.
• Na na.

Insurance nwere 4 isi alaka, nke na-agụnye ọtụtụ sub-ndi.

azụmahịa ize ndụ mkpuchi. Ndị a pụrụ ịgụnye ọnwụ nke ego (ihe ize ndụ nke iji nkà na ụzụ ọhụrụ, na ngwá, akụkwa uru n'ihi chupu ndibiat, kpatara Downtime, wdg). Nke a mpaghara a na-ekewa site ọzọ:

• insurance kpọmkwem ihe ize ndụ nke ọnwụ;
• nakwa dị ka anọ na-akwụ ụgwọ.

Property insurance ụdị. The ihe nke ọrụ a bụ na ihe anụ (n'ụlọ, ụgbọ ala, ụkpụrụ), onwunwe insurance nwere ndị na-esonụ sub-ndi:

• insurance nke onwunwe nke ụmụ amaala ;
• na-elekọta mmadụ na-akwado mkpebi òtù;
• mkpokọta ugbo;
• tenants;
• ala ugbo;
• ala-ekesịpde ụlọ ọrụ.

liability mkpuchi. Nke a na-emetụta insurance ụlọ ọrụ ibu ọrụ iji mezuo contractual okwu, indemnify. Ya mere, ọ bụrụ na iwu njide kpatara ọ bụla isiokwu, ọ ga-chefuo na mmebi maka ya site na insurer. liability insurance sub-ndi oru na-agụnye:

• insurance bụrụ na nke na-emebi;
• ụgwọ mkpuchi.

Insurance nke ibi ndụ nke ụmụ amaala. Na ụlọ ọrụ na ọ bụ isiokwu ndụ, ikike na-arụ ọrụ, ahụ ike insurer. Sub-ndi metụtara ụlọ ọrụ:

• Personal insurance nke ụmụ amaala;
• elekọta mmadụ mkpuchi nke ọrụ, na-arụ ọrụ, mkpokọta ọrụ ugbo;
• ezumike nka na ndụ mkpuchi.

Ụkpụrụ nduzi, nke nche nhazi ọkwa a ikpe wee na onye ọ bụla nọchiri larịị na aga na otu. E nwere kpọmkwem 2 forms of insurance: afọ ofufo na amanyere bụ iwu. A iche-iche ekpuchi niile njikọ. The ala akọwaputa amanyere bụ iwu mkpuchi. Nke a mere na mgbe ebe mkpa reparation bụghị naanị nke onye ọdịmma nke ndị merụrụ ahụ, ma na-emetụta ihe ndị metụtara dum mmadụ.

insurance nhazi ọkwa nwekwara ike-dabere na ebe nke ọrụ nke insurer: anụ ụlọ ahịa, ndị mba ọzọ na ahịa, weere insurance ahịa.