Ungakhetha kanjani umshwalense wezimoto?

Umshwalense wezimoto uyimpoqo, ukuvumela ukuthi uhambe ngemoto yakho emigwaqweni yomphakathi futhi ufaka umonakalo omkhulu kanye nomonakalo owenziwe yimoto yakho kuwe noma komunye umuntu. Kulesi sihloko, sizokweluleka ngokukhetha kwakho Umshwalense wemoto.

🔎 Yimuphi umshwalense ongawukhetha?

Akuzona zonke izinkontileka zomshwalense ezihlinzeka ngekhava efanayo. Okubalulekile khetha ngokucophelela umshwalense wakhe wezimoto ukuze avikeleke kunoma yisiphi isimo.

Izinhlobo ezintathu zezinkontileka zomshwalense wezimoto zihlinzekwa okwamanje:

• Umshwalense wezikweletu zomphakathi : Leli izinga ubuncane bokuvikela ngempela eFrance. Inxephezela umonakalo odalwe yimoto yakho komunye umuntu. Nokho umshayeli wemoto engozini kanye nemoto yakhe abawutholi umshwalense ngomonakalo odalekile.
• Umshwalense owengeziwe wenkampani yangaphandle : Kubandakanya umshwalense wenkampani yangaphandle lapho izinhlinzeko ezengeziwe zengezwe khona. Bayanqunywa lapho besayina inkontileka nomshwalense. Ukuvikela ezingozini ezithile kubanzi, njengezingilazi eziphukile, ukweba, imililo, noma izinhlekelele zemvelo.
• Umshuwalense ophelele : Lesi yisona esiphelele kakhulu esikunikezayo ukumbozwa okungcono kakhulu kumshayeli wemoto noma kwenzeka ingozi edalekile. Okunye okuhle wukuthi ikuvumela ukuthi ukhethe ukuthi iyiphi indlela yesinxephezelo oyifunayo uma kwenzeka imoto icekelwa phansi: isinxephezelo sezimali noma ukushintshwa kwemoto.

. Izintela Inkontileka yakho izohluka kuye ngohlobo lwekhava oyikhethayo, imodeli yemoto yakho nendawo ehamba ngayo futhi ikakhulukazi iphrofayela yakho yomshayeli.

Imininingwane yephrofayili yakho ilandelela eyakho umlando wokushayela kule minyaka engu-5 edlule mayelana nezimangalo ezinomthwalo wemfanelo. Kubizwa ibhonasi Malus.

Kuyi-coefficient, ebalwa kabusha minyaka yonke, enikeza umshayeli imiklomelo noma unswinyo ngokuya ngephrofayela yakhe nolwazi lwakhe lokushayela (abashayeli abancane, izimangalo eziphindaphindayo, njll.). Ibeka inani lenkokhelo yomshwalense wemoto ekhokhwa umnikazi wepholisi.

Kufanele ube nomshwalense wokuhamba ngemoto yakho. Ngempela, ukushayela ngaphandle komshuwalense kuyinto I-DELit uzohlawuliswa 3 750 €, ukuvalwa noma ukushaqwa kwemoto yakho kanye nokumiswa kwelayisensi yakho yokushayela kuze kube Eminyakeni 3.

🚘 Kungani usebenzise isiqhathanisi somshuwalense wezimoto?

Izinkampani zomshwalense zihlala zinikeza amafomula anenzuzo eningi noma engaphansi ngokwezidingo zakho. Dlula isiqhathanisi somshuwalense wezimoto yisixazululo esiphelele sokuqhathanisa amanani kanye nekhava ongabhalisa kukho.

Ngemizuzu embalwa nje, ungagijima ukumodela ijwayelane nephrofayili yakho futhi uhlole izintengo ngaphezulu Abadayisi bomshwalense abangama-50.

Okokuqala, udingachaza iphrofayili yakho yomshayeli kanye nezidingo zakho zokuvikela maqondana nemoto yakho: indawo, indawo yasedolobheni noma yasemaphandleni, ukushayela okuvamile, amabhonasi adlule, iminyaka yakho, njll.

Lezi zidingo kufanele zilingane nesabelomali sakho, ngakho sikweluleka ukuthi ukwenze izicelo zomshwalense wezimoto ubani ozofingqa:

1. Ifomula yomshwalense ekhethiwe (umuntu wesithathu, inkampani yangaphandle inothisiwe, noma zonke izingozi).
2. Isilinganiso seprimiyamu yomshwalense wezimoto ngonyaka.
3. Inani le-Franchise.
4. Izindleko zezinketho ezengeziwe oyikhethile.
5. Imigomo yesinxephezelo.

Ukusebenzisa isiqhathanisi esiku-inthanethi nakho kuyakunikeza ukonga isikhathi ngoba ungathenga umshwalense wemoto online ngokushesha, lokhu kubizwa Ukubhaliswa kwe-inthanethi okungu-100%..

📝Ungawukhansela kanjani umshwalense wezimoto?

Uma ubhalisela inqubo yokuqhathanisa umshwalense wezimoto, maningi amathuba okuthi uthole idili elingcono kunalena onayo njengamanje. Ngaphambi kokushintsha inkontileka, kufanele wenze uphenyo ukuqedwa komshwalense wakhe wezimoto.

Kulokhu kukhona 4 izimo zokuqedwa ukumisa inkontileka yakho:

• Ngo-Ephreli 1 kanye nokuhlangana, ungayimisa noma nini ngenxa yoMthetho kaHamon.
• Uma ngabe umshwalense wakho wamanje engekho akukho kubhekiselwa kokuthi kungenzeka kuqedwe phakathi nesikhathi esishiwo sesaziso (Umthetho weChatel).
• Esimeni lapho isaziso sakho sokuphela kwesikhathi senkontileka sithunyelwa ngaphansi kwezinsuku eziyi-15 kuze kuqale kabusha.
• Ngesikhathi isimo esishintshayo : ukuthengisa imoto yakho, ukweba ...

Ukuze kucatshangelwe ukunqanyulwa, kufanele uthumele incwadi ebhalisiwe kanye nokuvuma ukuthi uyitholile umshwalense wakho okungenani izinyanga ezi-2 ngaphambi komnqamulajuqu izinkontileka zomshuwalense wezimoto. Ukunqanyulwa kuqala ukusebenza ngemva kokuphelelwa yisikhathi kwenkontileka ngokuhambisana neKhodi Yomshuwalense (isihloko L113-12).

Ukukhetha umshwalense wezimoto kuyisinyathelo esibalulekile, kukuvumela ukuthi ube nomshwalense omuhle futhi ngentengo engcono kakhulu. Ukudlulisa isiqhathaniso somshuwalense kukuvumela ukuthi uphindaphinde izinketho zakho futhi wenze isinqumo esifanele ngalo lonke ulwazi olusesandleni sakho.