Yini okufanele uyenze uma inkampani yomshwalense iqothuka? CASCO, OSAGO
Ezimweni ezingokoqobo zezomnotho zanamuhla, ukuqothuka kwezinkampani zomshwalense kuyinto evamile. Izinsiza ze-inthanethi ezahlukahlukene, okuhlanganisa nezikahulumeni, zivuselela njalo izinhlu zokuvinjwa zezinkampani zomshwalense amalayisense azo ahoxisiwe noma amisiwe isikhathi esingaziwa.
Okwamanje, kunezinkampani zomshwalense ezicishe zibe yikhulu eziye zaqothuka phakathi kuka-2005 no-2016. Phakathi kwabo kukhona izinkampani ezidumile ngesikhathi sabo: Alliance (ROSNO yangaphambili), ZHASKO, Radonezh, Svyatogor. Ngakho-ke, ngaphambi kokuthi udwebe noma uqhubeke nenkontileka ye-OSAGO noma ye-CASCO, hlola ukuthi inkampani yakho yomshwalense ifakiwe yini Uhlu Olumnyama lweNyunyana YaseRussia Yabashuwalensi Bezimoto.
Yini okufanele uyenze uma kwenzeka isigameko esinomshwalense - ube yisigebengu sengozi noma imoto yakho ilimele - kodwa inkampani yakho yomshwalense yaqothuka nelayisensi yayo yahoxiswa?
Ukuqothuka kwenkampani yomshwalense
Emthethweni waseRussia, i-Article 32.8 F3 ichaza ngokuningiliziwe lokho inkampani yomshwalense okufanele ikwenze mayelana nokuqothuka nokuhoxiswa kwelayisensi yayo.
Okokuqala nje, ezinyangeni eziyisithupha ngaphambi kwalokho, kwenziwa isinqumo mayelana nokuqedwa ngokuphelele kwemisebenzi yomshuwalense. Okusho ukuthi, ngeke ukwazi ukukhipha inqubomgomo ye-OSAGO noma ye-CASCO kule nhlangano. Naka leli phuzu: osomabhizinisi abangathembekile bangaqhubeka nokukhipha izinqubomgomo, noma ngabe i-UK ifakiwe esimweni esiphuthumayo se-RSA. Lokhu kungase kunikeze isaphulelo esibalulekile. Kodwa uma wenza isivumelwano nenkampani esesigabeni sokuqothuka, kuzoba nzima kakhulu ukuthola izinkokhelo ngisho nasezinkantolo.
Okwesibili, inkampani yomshwalense izophoqeleka ukuthi igcwalise zonke izibopho zayo zokukhokha lapho kwenzeka imicimbi enomshwalense. Lokhu kungenziwa kokubili ezikhwameni zabo kanye nokudlulisela izibopho kwezinye izinhlangano.
Siyabona ukuthi umthetho ucaciswe ngendlela yokuthi umshayeli ojwayelekile ahlangabezane nezingqinamba ezimbalwa endleleni yokuthola izinkokhelo ezidingekayo. Kodwa-ke, izinkampani zomshwalense zivame ukuthola ngokuqothuka kuphela ngemuva kokwenzeka kwemicimbi enomshwalense.
Ungazithola kanjani izinkokhelo ngaphansi kwe-OSAGO?
Uma uthathe inqubomgomo ye-OSAGO enkampanini elahlekelwe imali, akufanele ukhathazeke kakhulu, ngoba i-PCA inakekela zonke izinkokhelo. Kodwa i-PCA ikhokhela i-OSAGO ngaphansi kwezinqubomgomo eziphethwe ngaphambi kokuba ilayisensi ihoxiswe e-UK - hlola ngokucophelela ukuthi inkampani yomshuwalense ifakiwe yini esimweni esiphuthumayo se-PCA nokuthi ilayisense layo lihoxisiwe yini, ungathengi i-OSAGO kuma-kiosks eselula noma ezindaweni ezingaqinisekisiwe.
I-PCA ikhokha izinkokhelo zesinxephezelo kuphela ezimeni lapho inkampani ephelelwe imali ingakwazi ukufeza izibopho zayo zokukhokha kumakhasimende.
Lapho uqaphela wena njengecala lengozi yomgwaqo, kufanele wenze ngokuvumelana nohlelo olujwayelekile, esesivele silichazile kuwebhusayithi yethu iVodi.su:
- hlinzeka olimele ngenombolo yepholisi;
- nikeza ikhophi yepholisi egunyazwe isiginesha yakho - eyokuqala ihlala kuwe;
- khombisa igama lakho eliphelele kanye negama lomshwalense.
Uma ungumuntu olimele, qhubeka kanje:
- thola kulowo onecala yonke idatha edingekayo - inombolo yenqubomgomo, igama lomshwalense, igama eligcwele;
- uthola isitifiketi esingunombolo 748 emaphoyiseni omgwaqo;
- kuyadingeka futhi ukuthola ikhophi yombiko wengozi, isinqumo ngecala lokuphatha - futhi zikhishwa ngamaphoyisa omgwaqo;
- Endaweni yengozi, kugcwaliswa isaziso somshwalense wengozi.
Sihlola ngokucophelela ukuthi konke kubhalwe kahle futhi ngaphandle kwamaphutha. Isijobelelo senqubomgomo ye-CMTPL, ngisho noma umshwalense uphelelwe imali, siqukethe imiyalelo yokuthi ungaqhubeka kanjani uma kwenzeka kuba nesigameko esinomshwalense. Ngawo wonke amadokhumenti aqoqiwe, udinga ukuxhumana nehhovisi le-RSA edolobheni lakini.
Ungathola ikheli lakhe le-RSA ngokushayela inombolo yamahhala ethi 8-800-200-22-75.
Kuyafaneleka ukusho ukuthi ngisho ne-PCA ingase yenqabe ukukhokha ngesisekelo sokuthi inkampani ephelelwe imali ayizange idlulise imininingwane yayo yolwazi kanye namarejista ezinqubomgomo ezisebenzisayo. Kodwa lokhu kuwumkhuba ongekho emthethweni, udinga nje ukwethula ikhophi yoqobo noma eqinisekisiwe yenqubomgomo ekhishwe kule UK ukuze uqinisekise ukuthi ithengwe ngezizathu ezisemthethweni. Ngakho-ke, akufanele kube nezinkinga ngezinkokhelo ze-OSAGO, kungakhathaliseki ukuthi umshwalense weqembu ulimele noma unecala lengozi ulahlekelwe.
Ithola izinkokhelo ze-CASCO
Nge-CASCO, isimo sinzima kakhulu. Kumele kushiwo ukuthi inkampani ingase iphucwe ilayisensi okwesikhashana ngaphansi kwe-CASCO, kuze kube yilapho izindaba zayo zezezimali ziba ngcono. Uma inkampani iqhubeka nenqubo yokuqothuka, inqubo yinde futhi yaziwa ngayo okungenani izinyanga eziyisithupha ngaphambi kokuthi kuthathwe isinqumo sokugcina.
Kunoma ikuphi, ukukhetha kwenkampani yokubhaliswa kwe-CASCO kufanele kuqalwe ngokucophelela, ngoba amanani lapha avela njengomyalelo wobukhulu obuphezulu kunalapho ufaka isicelo se-OSAGO. Inketho efanelekile kakhulu ukuhlola njalo isikhundla somshwalense ezilinganisweni zikazwelonke, kufaka phakathi kuwebhusayithi yethu Vodi.su.
Uma kwenzeka umcimbi oqinisekisiwe ngaphansi kwe-CASCO, khona-ke kuyadingeka ukuqoqa wonke amadokhumenti bese uthintana nenkampani ngokwayo. Uma ilayisensi yakhe isanda kuhoxiswa kuze kube manje, zonke izibopho zakhe zokukhokha kufanele zifezeke. Uma wenqatshwa, kusale ukuya enkantolo kuphela.
Uma isinqumo senkantolo siphumelela kuwe, uzofakwa ohlwini lwabakweletayo futhi ekugcineni uthole inani elifunekayo ngokudayiswa kwempahla nempahla yenkampani. Yiqiniso, le nqubo inganwetshwa ngokuphawulekayo ngokuhamba kwesikhathi, ngoba, okokuqala, inkampani ebolile ikhokha izikweleti zamaholo kubasebenzi bayo, bese izibopho kuhulumeni namabhange ababolekisi, futhi ngemva kwalokho izikweletu kubanikazi bamapholisi zikhokhwa.
Ngokusekelwe kulokhu okungenhla, lapho ufaka isicelo senqubomgomo ye-OSAGO noma ye-CASCO, thembela kuphela izinkampani ezithembekile ezithatha izindawo zokuqala ezilinganisweni. Noma kunjalo ungathengi umshwalense ngezaphulelo noma amaphromoshini, futhi ngisho nangaphezulu kusuka kubaxhumanisi kuma-kiosks eselula ahlukahlukene noma izimakethe.
Iyalayisha...
