yini? Ukususa ukubethela, izindleko nezici
Ezihlokweni zomshuwalense ku-Vodi.su, ngokuvamile, kanye nezinqubomgomo ze-CASCO ne-OSAGO, sikhulume igama lolunye uhlobo lomshwalense - i-DSAGO. Kulesi sihloko, sizozama ukuphendula lo mbuzo: kuyini, kanjani ukuchazwa, lapho ingakhishwa, futhi yini ukusetshenziswa kwayo jikelele.
Ungathola ezinye izinhlobo zalesi sifinyezo: i-DoSAGO, i-DAGO, i-DGO, njll. Zonke zicaciswa kalula kakhulu - umshwalense wesibopho sezomthetho wokuzithandela. Kweminye imithombo, igama elithi "ngokuzithandela" lithathelwa indawo "okwengeziwe", kodwa ingqikithi yalokhu ayishintshi.
Njengoba wazi, kunemikhawulo ethile enanini eliphezulu lezinkokhelo ngaphansi kwe-OSAGO:
- Izinkulungwane ezingama-400 zokulimala kwempahla kubantu besithathu;
- 500 izinkulungwane zokulimala kwezempilo.
Inqubomgomo yokuzithandela ye-DSAGO inyusa kakhulu inani lemali yesinxephezelo: isuka ezinkulungwaneni ezingama-300 iye kwezingama-30. Okusho ukuthi, uma umshayeli, isibonelo, egibela i-SUV ebizayo, akunakwenzeka ukuthi atshale imali engama-400 ayizinkulungwane. Ungakhohlwa futhi ukuthi kuwumkhuba ojwayelekile ezinkampanini zomshuwalense ukubukela phansi izindleko zangempela zomonakalo. Ngakho-ke, umenzi wengozi kuzodingeka abeke imali elahlekile ephaketheni lakhe - ukuthengisa imoto enefulethi, ukuboleka imali ebhange noma i-micro loan, ukuboleka ezihlotsheni. Ngamafuphi nje, kuzodingeka ugibele komunye umgodi wezikweletu.
Uma kukhona inqubomgomo ye-DSAGO, inkampani yomshwalense ithembisa ukumboza zonke izindleko ezingaphezu kwezinkulu zezinkokhelo ze-CMTPL. Ngakho-ke, iqembu elimele lizokwazi ukuthola ama-ruble ayizinkulungwane ezingama-400 noma angama-500, kodwa, ngokwesibonelo, izinkulungwane ezingama-750 noma isigidi nesigamu, kuye ngokuthi yimuphi umkhawulo okhethwe ngumshwalense.
Izici
Izinkampani eziningi zomshwalense zinikeza isevisi efana ne-OSAGO enwetshiwe. Lokhu, empeleni, 2 ku-1, okungukuthi, i-OSAGO ne-DoSAGO kuphakheji elilodwa. Ngokwemvelo, le nqubomgomo izobiza ngaphezulu.
Odinga ukukwazi nge-DSAGO:
- kungenzeka ukukhipha kuphela uma kukhona i-OSAGO;
- Isamba semali kusuka kuma-ruble ayizinkulungwane ezingama-300 kuye kwangama-30 million;
- azikho izintela ezifanayo, njenge-OSAGO, inkampani ngayinye yomshuwalense ibeka amanani ayo;
- ukukhokhwa kwesamba esifakwe kumshwalense kwenziwa ngemuva kwazo zonke izinkokhelo ngaphansi kwe-OSAGO (ukulungiswa kwaleli nani kungenzeka);
- i-deductible ivamise ukusungulwa - isamba esingakhokhiwe esinomshwalense.
Lapho wenza i-DoSAGO, udinga ukufunda ngokucophelela inkontileka. Ngakho-ke, kunezinhlobo ezimbili eziyinhloko zenqubomgomo: kucatshangelwa ukuguga nokuklebhuka kwemoto futhi ngaphandle kokucabangela ukuguga. Inketho yesibili ingcono kakhulu, ngoba izisulu zizokwazi ukuthola izandla zabo ngomonakalo ogcwele, futhi zingancishiswa yisici sokugqoka.
Umklamo kanye nezindleko
Inani eliphelele lesinxephezelo somshuwalense wokuzithandela lisuka esigidini esisodwa. Ukubhalisa kwenzeka ngendlela evamile, nawe udinga ukuba:
- Inqubomgomo ye-OSAGO;
- imibhalo yesihloko semoto - i-STS, i-PTS, inkontileka yokuthengisa, amandla ommeli;
- iphasiphothi yomuntu siqu.
Ama-IC ahlukahlukene ahlinzeka ngezindlela ezimbalwa zokukhokha isinxephezelo ngaphansi kwe-DSAGO. Indlela elula ukufingqa imikhawulo ye-OSAGO ne-DSAGO (uthola izinkulungwane ezingama-400 zomshwalense oyimpoqo, okusele nge-DSAGO), noma izinkokhelo ze-OSAGO zidonswa emkhawulweni we-DoSAGO, ngokulandelana, umkhawulo we-DSAGO (no umshwalense wezigidi ezingu-1,5) ngeke udlule ezigidini ezingu-1,1. Yonke le mibandela ichazwe kabanzi kwinkontileka, ngakho ungangabazi ukubuza umphathi ngakho konke ongakuqondi.
Nakuba zonke izinkampani zomshwalense zinezintela ezihlukene, izindleko zomshwalense wokuzithandela azidluli amaphesenti angu-1,5-2 yenani eliqinisekisiwe. Inqubomgomo eshibhe kakhulu yama-ruble ayizinkulungwane ezingama-500 e-Ingosstrakh ibiza ama-ruble ayi-1900. Kuma-ruble ayizigidi ezingama-30, kuzobiza cishe izinkulungwane eziyi-18-25.
Sicela uqaphele ukuthi izikhathi eziningi izinkontileka zamanani angaphezu kwezigidi ezingu-5 zidwetshwa phambi komshwalense we-CASCO - lesi sikhathi sidinga ukucaciswa ngokwehlukana nenkampani yomshwalense.
Ukukhokha
Ukuze ugweme ubuhlungu bekhanda obungenasidingo, kungcono ukukhipha izinqubomgomo zombili enkampanini yomshuwalense. Ukuze uthole izinkokhelo ngemuva kokwenzeka komcimbi onomshwalense, kufanele uhambe ngenqubo evamile, okungukuthi, uhambise imibhalo elandelayo:
- uhlelo lokusebenza;
- isitifiketi sengozi - lapho ungayithola khona, satshela ngaphambili kuVodi.su;
- iphrothokholi kanye nesinqumo ekuphuleni;
- amaphepha emoto yomenzi wobubi kanye nesisulu;
- Inqubomgomo ye-OSAGO;
- iphasiphothi yesigebengu.
Izinkokhelo zenziwa ngokuhambisana nemithetho eyamukelwe - zingakapheli izinsuku ezingama-60 ngemuva kokufakwa kwesicelo. Ngokuphathelene nezichibiyelo ezamukelwa ngo-2017, kungenzeka ukuthumela imoto ukuze ilungiswe esikhundleni sokukhokha imali.
Njengoba ubona, i-DSAGO ayishintshi, kodwa igcwalisa i-OSAGO. Amanani ale nqubomgomo awekho phezulu, kodwa kunezinzuzo eziningi. Uma uhlala edolobheni elikhulu lapho izimoto eziningi zikanokusho zakwamanye amazwe zishayela khona, ukubhaliswa kwe-DSAGO kungakusindisa ngempela wena nomndeni wakho ezinkingeni zezezimali uma kwenzeka kushayisana izimoto ezibizayo.
Iyalayisha...
