Voyons d’abord ce que c’est qu’une assurance.
Insurance is a contract in the form of a policy between a customer and a company. In the contract, the customer indicates a specific object, and the insurance company specifies the conditions and risks that will be compensated in the event of damage.
Insurance principles:
- the insurance policy protects property, life, funds or other objects of insurance that are valuable to the client;
- in exchange, the customer regularly pays a certain amount (insurance premium).
Why do you need insurance?
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The main taskis the financial protection of the customer by the company in the event of unforeseen events specified in the insurance contract.
An insurance premiumis a payment to an insurance company to secure compensation and protect the client’s independence in unforeseen situations.
L’assuranceis a contract in the form of a policy between a customer and a company. In the contract, the client indicates a specific object, and the insurance company specifies theconditionsand the risks which will be compensated in the event of damage.
Insurance is necessarywhen there is a risk that property, health or any other valuable part of our lives is in danger, and money or other funds in the event of force majeure are not available.
Compulsory insurancemost often concerns automobiles, health, mortgage housing or payments to credit institutions. The need to have such insuranceEastprotection for the second participant in the process if, in the event of an unforeseen event, the client cannot make a payment from his own funds.
Comment fonctionne une compagnie d’assurance?
An insurance company is a legal entity that provides paid services in the form of compensation for damage in the event of an insured event.
For an insurance company to operate, it must go through several important steps. Without them, she would not be able to work officially.
- There must be a legal entity with a minimum share capital of 120,000 rubles. Sole proprietors or individuals cannot offer insurance on their own behalf.
- The company must obtain two licenses: for insurance activities and for certain types of insurance it provides. The license must be updated regularly.
- L’entreprise doit avoir une special state classification (OKVED): 65.1 “Insurance services”. This indicates its main activity.
- L’entreprise doit avoir un CEO, an accountant and employees who work in the insurance department.
The insurance company is profit-oriented, like all other players in the economic market.
When a customer comes to an insurance company and enters into a contract with them, they become ainsured. In the contract, the customer, together with the company, prescribes what will be financially protected againstinsurance risksand in what cases. This one willthe purpose of insurance, and a possible unforeseen event that may happen to him is ainsured event. But only what was written in the contract will apply to such a case.
When the contract is concluded and signed by both parties, it becomes a policy ofinsurance. The client in a certain period (often a month or a year) pays the agreed amount to theinsurer (company).This amount will bethe insurance premium.
The insurance company has a number of customers who regularly pay the insurance premium to the company. All their funds forman insurance fund, from which the company, in the event of an accident, takes funds from the customer to cover the damage.
Contributions from customers who did not have an insurance situation are used to pay customers who did.
This situation may seem unprofitable for the company, because theoretically, almost all customers may have problems. Therefore, in order for the company to fulfill its obligations, it setssome limitationsof payments and astrict list of situations thatare considered an insured event. That is why you need to be careful when drawing up a contract.
Marie wanted to insure her apartment. When concluding the contract, he noticed that his housing was protected from flooding by the neighbors, but if he himself forgot to turn off the tap, the insurance company would not pay for his mistake.
Insured events occur with a certain frequency. The company takes this into account when setting the insurance price. It also includes other expenses, such as staff salaries.
When the company's products are popular, sales and contracts can be managed by an insurance agent.An insurance agentEastan intermediary who has the official authorization of the company (agency contract) for such activities.