I-OSAGO inquma kanjani izenzo zomshayeli uma kwenzeka ingozi
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I-OSAGO inquma kanjani izenzo zomshayeli uma kwenzeka ingozi

12.10.2022 /

Ukuhamba komgwaqo kuyinqubo eyinkimbinkimbi kakhulu futhi ngezinye izikhathi engalindelekile ngokushintsha abahlanganyeli. Ingabe zikhona izindlela zomshayeli ukuze azivikele yena nemoto yakhe ezinkingeni ezingase zibe khona endleleni? Indlela yokuphuma ingaba umshwalense we-OSAGO ofika ngesikhathi futhi osebenzayo okhishwe yinkampani VUKA.

Ihlola i-e-OSAGO. Ungenza kanjani umshuwalense ngaphandle "kwezigaba ezikhethekile" nemigqa futhi udlule zonke izingibe?

Kuyini futhi kusebenza kanjani

I-OSAGO, noma umshwalense wemfanelo oyimpoqo wenkampani yangaphandle, “i-airbag” ethembekile yomsebenzisi ngamunye womgwaqo. Umgomo uwumbhalo oyimpoqo kubo bonke abanikazi bezimoto kanye nezincwadi zokushayela ezitholiwe. Abashayeli bazo zombili izimoto zikanokusho nezithuthuthu ezincane noma amaloli abavunyelwe ukushayela imoto ngaphandle kwayo. Uma ingozi yenzeke ngenxa yephutha lomnikazi we-OSAGO, isinxephezelo sikhokhelwa olimele. Izokwenziwa yinkampani yomshwalense okwaphothulwa ngayo inkontileka.

Kungani uthenge inqubomgomo ye-OSAGO

Ukuphothulwa kwenkontileka yomshwalense wesikweletu somphakathi kuyindlela esemthethweni yokuvikela abasebenzisi bomgwaqo abalimele engozini. Ukuthengwa konyaka kwenqubomgomo ngabashayeli bezimoto kwenzeka njengokugcwaliseka okudingekayo kwezidingo zomthetho wase-Ukraine. Kodwa-ke, akuwona wonke umuntu ofunda ngokuningiliziwe ukuthi "umshwalense" usebenza kanjani uma kwenzeka ingozi, ngakho-ke, esimweni sokucindezeleka, ngezinye izikhathi benza izenzo zokuqubuka. Ukuze wenze i-algorithm yezenzo ngendlela efanele, kufanele ufunde amalungelo akho nezibopho zakho, uqonde kahle ama-nuances omshwalense. 

Uma kukhona i-OSAGO, kuyadingeka yini ukukhipha i-CASCO | Konke mayelana nezimoto:

Yiziphi izingozi ezihlanganiswa umshwalense?

Umshwalense uzovikela umshayeli wemoto ezinkokhelweni ezingalindelekile uma kwenzeka iphutha lakhe engozini. Ake sibhekisise ukuthi yiziphi izimo ezivame ukwenzeka:

  1. Ingozi edalwe umnikazi wepholisi. Inkampani yomshwalense eqede isivumelwano naye kufanele inxephezele olimele ngomonakalo wemali ngomonakalo wempahla noma ukulimala empilweni.
  2. Ukushayisana lapho kuqinisekiswa khona iphutha labashayeli ababili. Izinkampani zomshwalense zizokhokha isinxephezelo kuzo zombili izinhlangothi. Njengomthetho, isinxephezelo esinjalo somonakalo senzeka engxenyeni yenani eliphelele. Emacaleni aphikisanayo, izinga lecala (isibopho) sombambiqhaza ngamunye engozini kanye nesilinganiso sokumbozwa kwezindleko ngenxa yengozi kunqunywa enkantolo.

Okubalulekile! Izindleko ezidingekayo ukuze umshayeli alungise imoto yakhe uma kwenzeka eshayisana nenye imoto izokhokhwa nguye ngokwakhe, ngoba lokhu akuhlinzekwe yinqubomgomo ye-OSAGO. Ukuze kunxeshezelwe imali esetshenzisiwe, umnikazi wemoto kufanele futhi athenge i-CASCO. Lo mgomo uzokhokhela izindleko zokukhanda izimoto. Ukuthengwa ngesikhathi esisodwa kwe-OSAGO ne-CASCO kungenziwa kudokhumenti eyodwa.

Indlela yokuthenga ipholisi 

Ngokomthetho wase-Ukraine, umshayeli uzodinga imibhalo elandelayo: 

  • umazisi, ipasipoti;
  • isitifiketi sombuso ukubhaliswa kwezinhlangano ezisemthethweni (kwezinhlangano zezentengiselwano);
  • ilayisense yokushayela noma ikhophi yayo uma izimoto zishayelwa ngabanye abantu;
  • iphasiphothi yemoto, ipasipoti yobuchwepheshe, isitifiketi sokubhaliswa, isigqebhezana sobuchwepheshe. 

Ukuze uthole ipholisi, kufanele ugcwalise isicelo somshwalense wefomu elisunguliwe.

Ngingayithenga kanjani inqubomgomo ye-OSAGO

Badweba idokhumenti yomshwalense wabashayeli ngendlela evamile (ephepheni) noma nge-electronic form. Inqubomgomo ye-OSAGO ingathengwa:

  • ehhovisi kumasayithi asebenzelana nomshwalense wezimoto;
  • ama-agent omshwalense ahlinzeka ngezinhlobo ezimbalwa zalezi zinsizakalo;
  • ngokusebenzisa izimakethe zezimali.

Namuhla, ungakwazi ukwethula inqubomgomo kagesi emigwaqweni ngokuyibonisa esikrinini se-smartphone yakho noma ngendlela ephrintiwe. Kulula ukuhlola ukuhlobana kwedokhumenti kusizindalwazi sekhompyutha.

Inqubomgomo iyisiqinisekiso sezinyathelo eziqhubekayo ezicophelelayo nezicatshangelwayo uma kwenzeka ingozi, futhi inkokhelo yayo kanye nenani lesinxephezelo esisolwayo kuhlala kungamanani angalingani.

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