Ungasifaka kanjani isicelo se-casco? - funda indlela yokubhala umshwalense wokuzithandela ngendlela efanele

Ukuthenga imoto entsha kuyisenzakalo esijabulisayo ekuphileni kwanoma yimuphi umuntu. Uma ufuna ukuzivikela kuzo zonke izinhlobo zezingozi, khona-ke imoto kufanele ibe nomshwalense. Inqubomgomo ye-OSAGO iyisidingo, ngaphandle kwalokho ukusebenza kwemoto kuvinjelwe.

Inqubomgomo ye-CASCO iwumshuwalense wokuzithandela ozokhokhela izindleko zokukhanda imoto yakho uma kwenzeka ingozi, futhi i-CASCO izophinde ibuyisele umonakalo uma imoto yakho yebiwa, ilimele ngenxa yezinhlekelele zemvelo noma izenzo ezingekho emthethweni zezinkampani zangaphandle. Ukuba khona kwenqubomgomo ye-CASCO kuyimpoqo uma uthenga imoto ngesikweletu. Izindleko ze "CASCO" azinqunyelwe, inkampani ngayinye yomshuwalense inikeza izimo zayo kanye nama-coefficients lapho intengo yomshuwalense inqunywa khona.

Ukuze ukhiphe i-CASCO, udinga ukwethula iphakheji lamadokhumenti, okuqukethwe okungase kuhluke kakhulu kuye ngokuthi umshwalense okhethiwe. Okuphoqelekile yilezi:

• isitatimende esisekhanda lencwadi yenkampani, lolu wuhlu lwemibuzo okufanele uphendule kulo inani elikhulu lemibuzo ukuze ama-ejenti akwazi ukuhlola kahle amathuba emicimbi enomshwalense kanye nenani lesinxephezelo;
• ipasipoti yomnikazi wemoto kanye namakhophi amaphasipoti abo bonke abantu abhalwe ku-OSAGO;
• ipasipoti yobuchwepheshe;
• ilayisense yokushayela yomnikazi nabanye abantu abasebenzisa imoto;
• isitifiketi sokubhaliswa kwemoto emaphoyiseni omgwaqo.

Ngokungeziwe kulawa madokhumenti ayisisekelo, ungacelwa ukuthi unikeze:

• uma imoto entsha - isitifiketi sokukhokha esivela kumthengisi wezimoto, uma sisetshenziswa - inkontileka yokuthengisa;
• isivumelwano nebhange, uma imoto ibolekiwe;
• amandla ommeli uma umshwalense engeyena umnikazi wemoto;
• ithikithi lokulungisa;
• izikweletu zokukhokhwa kwemishini eyengeziwe - amasistimu omsindo, ukulungiswa kwangaphandle, njll.;
• ukulinganisa uma imoto ingeyesibili.

Ngayo yonke le mibhalo (noma eminye yayo) udinga ukuza enkampanini noma ushayele i-ejenti ukuze ihlole imoto. Ukubuyisana kwazo zonke izinombolo zomzimba, ikhodi ye-VIN, inombolo yenjini namapuleti elayisensi kuzokwenziwa, ukuhlolwa okubonakalayo kwemoto ngomonakalo. Ngemuva kwalokho, kuzokwenziwa isivumelwano, kufanele sifundwe ngokucophelela futhi sisayinwe. Ngemva kokukhokha izindleko zomshwalense, uzonikezwa ipholisi kanye nerisidi yokukhokha.

Uma kwenzeka umcimbi onomshwalense, udinga ukushayela umenzeli wakho ucingo bese ulinda ukufika kwakhe. Ngemva kokuhlola umonakalo, kwenziwa isinqumo ngenani lesinxephezelo. Ezinye izinkampani zingase zinikeze isevisi yamaloli adonsayo noma zikuboleke enye imoto kuze kube kwenziwa isinqumo sokukhokha.

Iyalayisha...