Umshuwalense wokuzenzakalela. Izinkampani zemishwalense ezenzakalelayo nezinketho.

Namuhla umshwalense wemoto ithandwa kakhulu futhi iyadingeka phakathi kwenqwaba yabantu. Lokhu kubangelwa hhayi kuphela ukuthi ezweni lethu muva nje kwethulwe umthetho womshuwalense oyimpoqo wemfanelo yomphakathi womnikazi wemoto, kodwa futhi neqiniso lokuthi bayanda abashayeli abakuqondayo ukubaluleka nosizo olunjalo. Umshuwalense wokuzenzakalela inezinhlobo eziningana, ngayinye ehlanganisa izingozi zayo futhi inenani layo lomshwalense. Ake sicabangele uhlobo ngalunye ngokwehlukana.

Umshuwalense weCasco auto

Umshuwalense womzimba wemoto uqobo ungazikhethela nathi. Umnikazi wemoto ngamunye uyazikhethela ukuthi uyakudinga yini ukuxhaswa ngumshuwalense uma kwenzeka ingozi yengozi, ukugqekeza noma ukweba. Ngokwezibalo, yonke imoto idinga ukulungiswa okungenani kanye ngesikhathi isebenza. Kungaba ukufaka indawo yesivikelo somoya esiphulwe yizigebengu, ukudweba i-fender eklwebhiwe endaweni yokupaka izimoto, noma ukulungiswa okubizayo kakhulu. Akunandaba ukuthi ngubani okufanele asolwe ngokwenzekile, wonke umsebenzi uzombozwa umshuwalense wemotouma umnikazi wemoto eyinakekele kusengaphambili. Lapho uthatha umshwalense wemoto, kubalulekile ukuthi unake iqiniso lokuthi ezinye izinkampani zingakhokhisa iphesenti elithile lezindleko zezingxenye ezintsha, kuya ngeminyaka yemoto. Ukuze ubukhulu besinxephezelo somshuwalense bungabangi ukumangala, umnikazi wemoto kufanele ayifunde ngokucophelela imithetho yomshwalense ngaphambi kokuphothula inkontileka bese ecacisa ukuthi ngabe izingxenye ezintsha zizokhokhwa ngokuphelele yini. Njengamanje banikela okunjalo umshwalense wemoto Rosgosstrakh, Ingosstrakh kanye neminye imishwalense eminingi. Imali ekhokhelwa umshwalense ezinkampanini ezinjalo ibalwa ngezindleko zemoto entsha, kungakhathalekile ukuthi iminyaka nemoto ibaluleke kangakanani nemayela, kodwa umshwalense wemoto uhlanganisa zonke izindleko ngasikhathi sinye ngaphandle kokwehlisa ukwehla.

Izinkampani zomshuwalense wezimoto

Umshuwalense wemfanelo wabashayeli, ophoqelekile ezweni lethu, unikezwa izinkampani eziningi. Abaholi abadumile yi-Ingosstrakh, i-RESO-GUARANTEE, i-Rosgosstrakh nabanye. Umshwalense Wokuzenzakalela Isibopho somnikazi wemoto siqinisekisa umuntu olimele ngephutha lakhe, isinxephezelo esithile semali. Zonke izinkokhelo zenziwa ngaphakathi kwenani lomshuwalense elishiwo kunqubomgomo. Inani elijwayelekile lesamba esivikelwe sinesizotha kakhulu. Lokhu kuholela eqinisweni lokuthi abashayeli abaningi abanolwazi ngokuzithandela baqeda umshwalense wezikweletu womuntu wesithathu ngenani eliphakeme ukuze banciphise ubungozi bezindleko eziphezulu uma kwenzeka ingozi.

Umshuwalense wemoto yabagibeli

Iningi labashayeli limane liwushaye indiva umshwalense wezingozi zabagibeli. Okwamanje, ukwelashwa nokubuyiselwa kwempilo yezihlobo nabangane kungaholela enanini elikhulu impela. Ukuba nomshwalense owodwa, izindawo ezimbili noma ngaphezulu emotweni yakhe ngokuthanda kwakhe, umshayeli uzinikeza yena nabagibeli uxhaso lwezezimali uma kwenzeka abantu belimala engozini.