Ungayikhetha kanjani umshuwalense wesithuthuthu?

Ngaphambi kokusayina inkontileka yomshuwalense, udinga ukuqhathanisa okunikezwayo okuhlukahlukene kwesithuthuthu sakho noma isithuthuthu. Ngempela, kuziqinisekiso ezifanayo, ungonga ama-euro angamakhulu amaningana, kuya ngabomshuwalense. Ikakhulukazi uma ugibela isithuthuthu esinamandla noma umgijimi osemusha we-A2. Ngaphezu kwalokho, ezinye izinhlobo zomshuwalense wesithuthuthu zingcono kunezinye ngokwamanani entengo nokutholakala uma kwenzeka kufunwa noma kudonswa imali.

Usebenza kanjani umshuwalense wesithuthuthu? Imuphi umshuwalense wesithuthuthu ongawukhetha? Yimuphi umshwalense onamasondo amabili ongcono kunabo bonke? Zitholele ngokwakho amathiphu wokukhetha umshwalense wesithuthuthu olungile : Iziqinisekiso Eziphoqelekile, Amafomula Esithuthuthu Ahamba Phambili Nenani Leminikelo Yomshwalense Wezithuthuthu.

Uyini umshuwalense wesithuthuthu?

Umshwalense wezithuthuthu yinkontileka evumela noma yimuphi umnikazi wesithuthuthu, noma ngabe ungumshayeli noma cha, vala imoto yakho enamasondo amabili ezingozini ezahlukahlukene... Iziqinisekiso zomshuwalense zingamboza imoto nomshayeli wayo, kanye nezesekeli okufakwa kuzo isithuthuthu. Kuyisivumelwano, ekugcineni kwemibandela ebekiwe ukunquma amalungelo nezibopho, ezisemthethweni noma cha, zomshwalense kanye nomshuwalense uma kwenzeka umcimbi othile noma inhlekelele engaba khona.

Umshwalense usebenza ngomgomo ocacile: umshwalense unikeza umninipholisi ukuthi aqinisekise isithuthuthu sakhe nomshayeli wakhe, kodwa yena owokugcina kumele ukhokhe ibhonasi njalo ubukhulu bayo buxhomeke kunketho obhalise kuyo. Ukukhokhelwa komshuwalense wesithuthuthu kuvame ukwenziwa minyaka yonke noma ngenyanga, kuya ngokuthandwa ngabanomshwalense.

Uma kwenzeka ukwehluleka ukukhokha imali yomshwalense, khona-ke umshwalense angaqeda isivumelwano somshuwalense. Ngaphezu kwalokho, ezinye izinguquko emotweni enamasondo amabili zingaphula isivumelwano. Lokhu kunjalo uma ufaka ipayipi lokukhipha elingavunyelwe esithuthuthu sakho, noma lapho ukhulisa amandla amasondo amabili, ngokwesibonelo, ngokwenza kabusha uhlelo.

Indima Yomshwalense Wezithuthuthu

Umshuwalense wesithuthuthu uyavuma ukukhulisa amathuba ama-racers anamasondo amabili Ngokuya ngobungozi ababhekene nabo, isebenza ngendlela efanayo ne-bonus-malus ratio. Ngemuva kwakho konke, ihlinzeka ngokukhokhwa nge-insured ye-franchise, inani layo elinikezwe kwinkontileka, uma kwenzeka kuba nobudedengu kuye.

I-Franchise iyisijeziso, umnikelo wezezimali womuntu ofakwe kumshwalense, uma etholakala enecala ngesimangalo esidale umonakalo kumuntu wesithathu. Ngakho, ngisho noma umuntu olimele ethola isinxephezelo kumshwalense, inani lalesi sinxephezelo kufanele libuyiselwe ngumuntu ofakwe kumshwalense. Umgomo ofanayo uyasebenza kwelinye iqembu uma umshwalense okukhulunywa ngaye eyisisulu sesimangalo.

Uma kwenzeka ingozi ebhekele ukusebenza, kufakwa inhlawulo enkontilekeni. lapho-ke malus kuholela ekwandeni kwe-premium yomshuwalense... Ngokuqondene nabashayeli abahle, imali yabo yomshwalense yehliswa minyaka yonke. Ukubalwa kweBonus-Malus kulawulwa ngumthetho.

Umshwalense wesithuthuthu uyimpoqo

Umthetho udinga ukuthengwa komshuwalense wesithuthuthu kubo bonke ababhayisikili abafuna shayela imoto enamasondo amabili emigwaqeni yomphakathi... Ngakho-ke, umshwalense wesithuthuthu uphoqelekile ukuba ugibele izithuthuthu edolobheni, emigwaqweni nasemigwaqweni emikhulu. Uyacelwa ukuthi uqaphele ukuthi nomshwalense womgwaqo uyadingeka ukuze uzijwayeze ukugibela isithuthuthu on the track.

Ngokuya ngezinga lokumbozwa, izinhlobo ezahlukahlukene zezivumelwano zingahlukaniswa, kepha ubuncane obuphoqelekile - isiqinisekiso sesibopho somphakathi okubandakanya ukumbozwa kokulimala kwempahla kanye nokulimala komuntu siqu okuthintwe umuntu oyedwa noma abaningi besimo sesimangalo. Yenzelwe ngokukhethekile ukuze lowo olimele athole isinxephezelo esifanele kumshayeli (nakumshwalense wakhe) otholakala enecala.

Kodwa-ke, kubalulekile ukwazi ukuthi umshwalense wesikweletu somuntu wesithathu noma umshuwalense wesikweletu awuhlanganisi umonakalo kumshayeli noma esithuthuthwini asigibelile, ngaphandle uma omunye umuntu enesibopho futhi enomshwalense. Ngemuva kwalokho sikhuluma ngewaranti yokushayisana yomuntu wesithathu.

Amafomula ahlukahlukene nezinketho zomshuwalense wakho wesithuthuthu

Amabhayisikili amasha avame ukulahleka ebusweni benqwaba yomshwalense kanye namafomula okungenzeka nezinketho. Ngempela, kunezinhlobo ezahlukahlukene zomshwalense wezithuthuthu.

La ifomula eyisisekelo kakhulu isiqinisekiso sesibopho sezomthetho (kuyadingeka) okuxoxwe ngakho ngenhla. Isibopho sezomphakathi sikuvumela ukuthi umboze abantu besithathu ekulimaleni komuntu noma abalimele ngenye indlela engozini ebangelwe wubudedengu bomshayeli.

Kodwa-ke, ngokuya ngokuthanda komuntu ngamunye, le nketho yokuqala inganwetshwa ibe ngumshuwalense ophakathi nendawo wesithuthuthu, owaziwa njengomshuwalense wesithathu + noma yonke imishwalense yobungozi. Umgomo ukubuyisa iziqinisekiso zangaphambili ngokungeza izinketho ezimbalwa ezingeziwe, okungukuthi:

• Ukuvikelwa kwezomthetho : uma kuba nempikiswano, izindleko zomthetho zithwalwa umshwalense. Okufanayo kuyenzeka uma kwenzeka kuqashelwa isikweletu noma ukukhokhwa kwesinxephezelo uma kwenzeka kuba nempikiswano phakathi komshuwalense onomshwalense nomunye umgibeli wesithuthuthu onomshwalense.
• Usizo oluzenzakalelayo : uma kwenzeka ingozi, umshwalense uthatha ukukhanda nokudonsa isithuthuthu, angahamba nokukhokha izindleko zokuthenga izinsimbi, izindleko zokulungisa nokubuyisela imoto.
• Usizo lomshayeli : Uma kwenzeka ingozi, umshwalense ukhokhela ukuthuthwa komshayeli aye esibhedlela lapho kwenzeka ingozi noma ukugula. Nguye futhi obhekele ukubuyiselwa kwemali yezindleko zokwelashwa kanye nokubuyiswa komzimba uma kwenzeka udlula emhlabeni.
• Iwaranti yesigqoko sokuzivikela, okokugqoka nezesekeli. : uma kwenzeka isimangalo, umshwalense uzobuyisela umonakalo obangelwe isigqoko sokuzivikela, okokugqoka kanye nezesekeli zomshayeli, ngaphakathi kwenani elithile elibekwe kwinkontileka.
• Ukweba nesiqinisekiso somlilo : uma kwenzeka elinye lalawa macala, umshwalense uthola ukuvikelwa kwezezimali ngaphansi kwezimo ezithile, njengokulandela izindlela zokuvikela ukwebiwa kwezimoto ezinamasondo amabili, isimo sokuzithiba kwabanomshwalense, njll.
• Ukuhlanganiswa kwezinhlekelele zemvelo nezenziwe ngabantu : Uma kwenzeka enye yalezi zehlakalo, umshwalense wesithuthuthu uhlanganisa ukukhanda, uma kungenzeka, nokufaka esinye (esilinganayo) ngesithuthuthu, uma kunesidingo.
• Isiqinisekiso sekhefu lengilazi : Uma ilensi engaphambili yesithuthuthu iphuka engozini, le nketho ihlanganisa izindleko zokulungisa ingilazi kanye nezindleko zokuyishintsha uma kunesidingo.

Njengoba inani lezinketho landa, umshwalense wesikhashana wesithuthuthu uya ngokuya uba yinkimbinkimbi. Ngaphezu kwalokho, amanye amapharamitha avumelaumshwalense wesithuthuthu uma kwenzeka ingozi nomuntu wesithathu okhonjwa Ngokwesibonelo. Le parameter bese iqeda izingozi ezinjengokuphuma emgwaqeni ugobile.

Yini ingozi yokugibela isithuthuthu ngaphandle komshwalense?

EFrance abashayeli abaningi bashayela ngamasondo amabili ngaphandle komshwalense... Lesi simo singachazwa ngentengo ephezulu yomshwalense wezimoto ezinamasondo amabili. Ngakho-ke, abanye abantu abakwazi ukukhokhela umshuwalense wabo lapho kufanele bathathe izimoto zabo. Abanye abashayeli bashayela ngaphandle komshwalense, bengazi imiphumela yabo kanye nomuntu oshonile uma kwenzeka ingozi noma ingozi eshayisanayo.

Noma ngubani onethemba lokweqa umthetho ngokugibela isithuthuthu ngaphandle komshwalense kumele athwale umthwalo wemiphumela. Uma umgibeli webhayisikili ebanjwa yisiphathimandla esibhekele emgwaqweni womphakathi ngaphandle komshwalense womunye nomunye, yena ingozi yokuthola unyaka owodwa ejele, kufaka phakathi izinyanga eziyisithupha ejele... Ngaphezu kokulahlekelwa yilayisense yakho yokushayela.

Okubi kakhulu ukuthi uma ezithola ebanjwe yinhlekelele, noma ngabe ulahlwa yicala noma cha, izindleko okumele azikhokhe zizodinga wonke umholo wakhe ngisho nayo yonke impahla yakhe. Futhi lokhu isikhathi eside kakhulu, uma umcimbi wake wabangela ukufa noma ukukhubazeka ngokomzimba noma kwengqondo komuntu oyedwa noma ngaphezulu.

Izinkampani ezinkulu zomshuwalense ezinamasondo amabili eFrance

Kunokukhethwa okubanzi kwabashuwalense bezithuthuthu emakethe, abahlukile komunye nomunye ekunikezweni kwabo naseziqinisekisweni. Abanye abamshuwalense abanamasondo amabili bangongoti emkhakheni wabo, kanti abanye basebenza endaweni yokuncintisana ngecebo lokulinganisa.

. imishwalense enkulu yamasondo amabili eFrance Sinikeza zonke iziqiniseko zakudala zomshuwalense wezithuthuthu, okungukuthi:

• Ama-Mutual of Bikers adalwe ngamabhayisikili futhi amabhayisikili aqinisekisa izithuthuthu, ama-scooter, ama-sidecars kanye nama-dragsters.
• I-Motorcycle Insurance (AMT) ekhethekile kumshwalense wezithuthuthu nezithuthuthu.
• I-Assurbike igxile kakhulu kumshuwalense wezithuthuthu, izithuthuthu, izithuthuthu ezingama-50cc. Bheka, ama-ATV, i-SSV Buggy.
• 4 umshwalense ugxile ekufakeleni umshwalense zonke izimoto ezinamasondo amabili.
• Isiqinisekiso se-Euro esikhethekile kumshuwalense wezimoto nezithuthuthu.
• Umshuwalense wezithuthuthu wenziwa ngokubambisana neDirecte Assurance.

Ngaphezu kwalokho, kukhona esinye isigaba sabashuwalense umshwalense wesithuthuthu okuyingxenye nje yomkhiqizo wabo, lokhu yilawa:

• IMutuelle Assurance Automobile des Institutors de France (MAIF), enikeza amafomula amane athi "Initial", "Various", "Basic" kanye "Plénitude", okuvumela ukuthi uthole usizo, ukuvikelwa kwezimoto kanye namalungelo ezomthetho uma kwenzeka inhlekelele.
• I-General Military Provident Association (i-AGPM), enikela ngeziqinisekiso eziningi: izinhlekelele zemvelo, usizo, ukubuyiselwa kwemali, njll.
• ICrédit Agricole inikeza amafomula amathathu: iMini, iMedian neMaxi, ngayinye enikela ngokuvikelwa ngokomzimba kwabanomshwalense.
• UXOLO.
• IMacif Insurance.
• Umshuwalense we-GMF.

Izici Lapho Kukhethwa Umshuwalense Wesondo O-2

Ngaphambi kokukhetha umshwalense othile, kunezinqubo eziningi okufanele uzicabangele. Okokuqala, kufanele ukhethe ngokuya ngezidingo zakho namakhono akho. Ngakho-ke lokhu okudingekayo ukuqhathanisa umshuwalense wesithuthuthu ngokuya ngezidingo zakho... Isithuthuthu esisha asikwazi ukuvikeleka ngendlela efanayo, ngokwesibonelo, endala.

Kubalulekile ukuqonda ukuthi intengo yomshuwalense iyahluka kusuka enkampanini eyodwa iye kwenye, ngakho-ke udinga ukwazi ukuthi ungadlala kanjani kuzintengo. V ikhambi elingcono kakhulu lokuthola umshuwalense wesithuthuthu ngentengo engcono ukusebenzisa ukulingisa okuku-inthanethi. Ngemuva kwalokho konke okumele ukwenze ukuqhathanisa amaprimiyamu ahlinzekwa yi-Mutuelle des Motards, i-AMV, njll. Ekugcineni, konke okumele ukwenze ukukhetha umshwalense okukunikeza iziqinisekiso eziningi ngentengo enhle!

EMpumalanga Kunzima ukuxoxisana ngentengo yomshuwalense wesithuthuthu nabashuwalense abakhulu abanjengoMutuelle des Motards. Eqinisweni, iMutuelle des Motards isebenzisa uhlu lwamanani kazwelonke kubo bonke abaninqubomgomo. Kodwa-ke, abanye abashuwalense banikeza amakhasimende abo amabhonasi akhethekile ngaphezu kweBhonasi Yomshwalense. Ngaphezu kwalokho, ukukhushulwa kungenzeka uma uvikele izimoto eziningana ngomshwalense ofanayo. Ngakho-ke, kungathakazelisa ukuvikela imoto yakho nesithuthuthu sakho endaweni eyodwa.

Futhi lokhu kubalulekile ukwazi izidingo zakho kanye neziqinisekiso ezingazenelisa... Uma isithuthuthu sakho sisha noma sisanda kukhishwa, kungakusiza kakhulu ukuthatha umshwalense ophelele. Ngokuphambene nalokho, uma isithuthuthu sakho sinenani eliphansi lezezimali, akunasisekelo ekuthatheni umshuwalense ophelele wezithuthuthu. Kulokhu, iziqinisekiso zomuntu wesithathu zizokwanela!

Ngakho-ke, kufanele uthintane nabanikazi bomshuwalense abaningana ukukhetha umshwalense ofanele wezithuthuthu: cela isilinganiso, qhathanisa ikhwalithi yesevisi (ukwesekwa, ukwamukelwa), ikhwalithi yomshwalense (usayizi wenkampani yomshuwalense, ikhono lokukhokha), ukuxhumana kalula, ukusondela, njll. ngemuva kokuthi yonke imininingwane edingekayo iqoqwe, kuyadingeka ukwenza ukulamula futhi kuphothulwe isivumelwano nalowo ovelele.

Qhathanisa ukuthola umshwalense wesithuthuthu ohamba phambili

Kaningi, abagibeli bezithuthuthu bamane bafuna umshwalense ongcono kakhulu ngezindleko ezifanele. Ukuthola umshuwalense wesithuthuthu ngentengo engcono kakhulu, kubalulekile ukuqhathanisa imishwalense eminingana nokunikezwayo. Vele, ezinye izinto kufanele zinakwe, njengedumela lomshwalense, inani lesinxephezelo uma kwenzeka ingozi, njll. ...