Kukuphi lapho kungcono ukufaka umshwalense wemoto ye-CASCO ne-OSAGO
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Kukuphi lapho kungcono ukufaka umshwalense wemoto ye-CASCO ne-OSAGO

27.06.2022 /

Namuhla, kunezinkampani eziningi emakethe yezinsizakalo zomshwalense ezinikeza izimo ezahlukahlukene zokuqinisekisa imoto yakho ngaphansi kwezinhlelo ezahlukahlukene. Kunzima kakhulu ukunquma ngezimo ezivumayo, futhi kunzima nakakhulu ukukhetha inkampani ekufanele kakhulu.

Uma sikhuluma ngokuthola inqubomgomo ye-OSAGO, cishe bonke abahlinzeki bomshuwalense banikela ngezinsizakalo ezifanayo, futhi intengo yomshuwalense ngokwayo igxilile ngokuqinile futhi incike kuma-coefficients ahlukene. Kunzima kakhulu ukukhetha inkampani yokubhaliswa kwe "CASCO". Ungakwazi ukweluleka kuphela abanikazi bezimoto ukuthi yiziphi izici okufanele uzinake futhi, ngokusekelwe kulokhu, khetha umshwalense.

Kukuphi lapho kungcono ukufaka umshwalense wemoto ye-CASCO ne-OSAGO

Ngakho-ke, ngokufunda imigomo yenkontileka, cacisa ukuthi yiziphi izibopho inkampani ezenzayo:

  • Kungasiphi isikhathi isinqumo sokukhokhwa kwesinxephezelo senziwa;
  • ukuthi ngabe ama-ejenti afika endaweni yengozi;
  • kungakhathaliseki ukuthi uzothola izinkokhelo uma unomonakalo omncane - isibani sangaphambili esiphukile noma i-windshield yangemuva;
  • ingabe abamele inkampani bazokusiza yini ngokuqoqa yonke imibhalo emaphoyiseni omgwaqo;
  • ukuthi izingxabano zixazululwa kanjani.

Mayelana nesivinini sokwenza izinqumo mayelana nokukhokhwa kwesinxephezelo, i-IC Zurich.Retail LLC ingumholi, uma kwenzeka kwebiwa isinqumo sizothathwa zingakapheli izinsuku eziyi-12, umonakalo ngenxa yengozi - izinsuku eziyi-7, inkampani ihlinzeka kuphela ngezinsizakalo zabahloli bomonakalo, kodwa futhi nemishini yayo yokuhamba neyokupaka.

Isici esibalulekile ukwehla kwenani lemoto ngonyaka. Imoto iyancipha inani kuye ngeminyaka: 20% - unyaka wokuqala, 15% - unyaka wesibili nowesithathu. Ukwehla kokwehla okushiwo kwinkontileka, imali eyengeziwe ozoyithola, isibonelo, uma imoto ebiza i-15 15 USD yebiwe kuwe, khona-ke uma yebiwa ngonyaka, uzothola ngaphansi kwenqubomgomo - izinkulungwane eziyi-15 - (izinkulungwane eziyi-100 / 20 * 12) = izinkulungwane eziyi-XNUMX c.u.

Kukuphi lapho kungcono ukufaka umshwalense wemoto ye-CASCO ne-OSAGO

Ngokwehlukana, kuyaphawuleka ukuthi izinsizakalo eziningi zinikezwa uhlobo oluthile lwemoto kuphela, isibonelo, izimoto zakwamanye amazwe azikho ngaphezu kweminyaka emi-2.

Inqubomgomo ye-CASCO ngokwayo izobiza okungenani u-10% wezindleko zemoto. Ababaningi abanikazi bezimoto abanalolo hlobo lwemali. Ungakhetha izinkampani zomshwalense ezingakunikeza ukuthi ukhokhe izindleko ze-"CASCO" ngezitolimende ngezinkokhelo ezimbalwa. Ungakwazi futhi ukunciphisa izindleko zepholisi uma ukhetha kuphela ubungozi obuthile ofuna ukuzifaka umshwalense kuzo - ukweba kuphela noma ukulimala kwengozi kuphela.

Ngokwazi kwethu, singancoma izinkampani ezilandelayo:

  • "Zurich.Okudayisa";
  • I-Rosgosstrakh;
  • Intuthuko-Garant;
  • "MSK-Standard";
  • "Ingosstrakh"
  • "ROSNO".

Kodwa awudingi ukugxila ngokukhethekile kulezi zinkampani, ngoba uma udinga izimo zomshwalense ezikhethekile, khona-ke ungathola amadili amahle kwabanye abashwalensi.




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