Iphrimiyamu yomshuwalense wesithuthuthu: isilinganiso senhlawulo yebhonasi
Okuqukethwe
Ukwenza umshwalense onamasondo amabili kuyabiza. I-lever esebenzayo yokunciphisa usayizi we-premium yakhe yomshwalense isilinganiso sebhonasi-malus. Ngempela, umshayeli webhayisikili ngamunye unikezwa ibhonasi noma inhlawulo kuye ngokuthi unolwazi kangakanani lokushayela. I-premium yomshuwalense okhethekile, ukubala okwenziwa ngokungahleliwe, kodwa ngokwemithetho ethile okufanele yaziwe yiwo wonke umuntu, izinkokhelo zomshuwalense ziyizindleko ezisebenza kuzo zonke izinhlobo zezimoto ezihamba ngezimoto (izimoto, izithuthuthu, njll.).
Wazi kanjani ukuthi unebhonasi noma inhlawulo njengomshayeli webhayisikili? Ngithola kanjani ibhonasi engu-50% kumshwalense wezithuthuthu? Ngabe ibhonasi ye-MAAF Lifetime iqukethe ini? Ngoba qonda konke odinga ukukwazi ukubala amaphrimiyamu omshwalense wezithuthuthu, lo mbhalo uchaza eminye imiqondo ebalulekile efana nesilinganiso esidumile sebhonasi malus.
Siyini isilinganiso senhlawulo yebhonasi?
Ebizwa nangokuthi isilinganiso sokwehliswa kokukhulisa. Ibhonasi-malus – inkomba yokubala iprimiyamu yomshwalense... Ikuvumela ukuthi wandise noma wehlise amaphrimiyamu omshwalense wesithuthuthu ngokuya ngokuziphatha komshayeli. Iphrimiyamu yomshuwalense wesithuthuthu ibalwa unyaka nonyaka kuye ngokunyuka noma ukwehla kule nkomba.
Umgomo wokulingana kwe-bonus-penalty
Inhloso yebhonasi malus klomelisa abashayeli ngokuziphatha kahle emgaqweni. Ngakho-ke, lokhu kuyisisusa. Ngokwemigomo yomshwalense, lokhu kumayelana nokwenza abagibeli bezithuthuthu abanenzuzo enkulu bakhokhe imali engaphansi yomshuwalense.
Ngakho-ke, ngokungabikho kwezingozi nokuziphatha okufanele, abomshwalense uklonyeliswe ngokuncishiswa kwemali yomshwalense wesithuthuthu, lena ibhonasi.
Ngakolunye uhlangothi, uma kwenzeka izingozi nezimangalo umshayeli ezibophezele ngokuphelele noma ngokwengxenye, yena kugunyazwe ukwenyuka kwemali ekhokhelwa umshwalense : kulungile.
Indlela yokubalwa komshuwalense wesithuthuthu
Le ukubalwa kweprimiyamu yomshuwalense wesithuthuthu kwenziwa ngokuya ngemibandela ethile... Ikakhulu, iminyaka noma isikhundla somshayeli, umlando wokushayela, kucatshangelwa amabhonasi noma izinhlawulo zomshayeli, nokusetshenziswa kwesithuthuthu.
kusuka ku Izinto ezingaqondile nazo ziyabhekwa lapho kubalwa inani njengendawo yokuhlola ubungozi bengozi noma ukwebiwa esizeni. Lezi zinto azihlobene ngqo nesimo somgibeli kanjalo.
Kusetshenziswa umbandela wenhlawulo yebhonasi ukuphindaphinda ibhonasi eyisisekelo ngokulingana kwenhlawulo yebhonasi... Umphumela otholakele uzovumela ukuthi kubuyekezwe kabusha usayizi we-premium yomshuwalense wesithuthuthu lapho wehla khona noma wenyuka.
Ngokungeziwe ekushintsheni kwentengo yomshuwalense wesithuthuthu, ukuguqulwa kwentengo kusuka onyakeni owodwa kuye kokulandelayo kungachazwa ngokushintsha kwesimo (ngokwesibonelo, ukuthenga isithuthuthu esisha) noma ngoshintsho kwifomula yeleveli yesiqinisekiso (shintsha kusuka kumshuwalense ophelele kumshuwalense wabantu besithathu), noma ukuvuselelwa minyaka yonke komlingani wakho wenhlawulo yebhonasi.
Ukuxhumana kwebhonasi malus phakathi kwemoto nesithuthuthu
Ibhonasi malus isebenza kuzo zombili izithuthuthu nezimoto. Uma ushintsha usuka esithuthuthu uye emotweni, isithuthuthu seBonus-Malus singadluliselwa emotweni futhi okuphambene nalokho.
Ngaphezu kwalokho, lapho uvula inkontileka entsha yomshuwalense wesithuthuthu, umshwalense uzokucela ukuthi umnikeze ikhophi layo yonke imibiko yakho yemininingwane yomshwalense, kokubili imoto nesithuthuthu. Esimweni esinjalo, inkontileka entsha izosuselwa kunani lebhonasi yenhlawulo engcono kakhulu.
Isitatimende semininingwane siyadingeka ukuvula inkontileka entsha yomshuwalense, njengoba ivumela abomshwalense ukuthi bazi ibhonasi yakho malus kanye nesikhathi sakho esedlule njengomshayeli wemoto enamasondo amabili.
Wazi kanjani ukuthi unebhonasi noma inhlawulo njengomshayeli webhayisikili?
Ukuthola ukuthi unebhonasi noma inhlawulo, ungazibalela wena uma ujwayele izindlela zokubala. Lezi zindlela zokubala sezivele zichazwe ngokuningiliziwe ngenhla. Noma zidinga imiqondo yobuchwepheshe ngokuqhathaniswa, akunzima ukuyisebenzisa. Kodwa-ke, ungaxhumana futhi nomshuwalense wakho ukuze akubhalele incwadi yezindaba.
Mayelana nalokhu, kufanele kuqashelwe ukuthi bonke abantu bomshuwalense kudingeka nikeza abaninipholisi incwadi yezindaba njengosuku lokuphelelwa yisikhathi kwenkontileka yonyaka ngamunye... Abomshwalense bangayicela futhi lapho kunesidingo. Isicelo singenziwa ngesikhalazo noma ngokubhaliwe. Ngokomthetho, inkampani yomshwalense ayidingi izinsuku ezingaphezu kwezingu-15 ukuthumela le dokhumenti.
Ngithola kanjani ibhonasi engu-50% kumshwalense wezithuthuthu?
Intengo yomshwalense wesithuthuthu iwumgomo oyinhloko lapho ukhetha umshwalense wesithuthuthu. Ibhonasi engu-50%. Ukuze uthole le bhonasi ephezulu, kufanele ukwazi ukwenza ukuziphatha okuyisibonelo esikhathini esithile.
Isimiso sokukhuphula amabhonasi minyaka yonke
Ngokuya ngekhodi yomshwalense, i-premium yomshuwalense wesithuthuthu inyuka minyaka yonke cishe ngama-5% ngokungabikho kwezicelo. Ngakho-ke ukuthola imilolotelo engu-50% ngokushayela okuhle ngaphandle kwesibopho sakho esinqunyelwe noma esigcwele sengozi. Ibhonasi ye-premium yomshuwalense ingafinyelela kuma-50% iminyaka emingaki?
Ukuziphatha okulungile ngaphezu kweminyaka eyishumi nantathu (13)
Ukukhuphuka kwemali yemali yebhonasi kungu-5% ngonyaka. Ngakho-ke thola Ibhonasi engu-50% idinga iminyaka eyishumi nantathu yokushayela ngendlela efanele futhi engalahleki.... Noma kunjalo, asikho isiqinisekiso sempilo yonke ekufinyeleleni le bhonasi. Ibhonasi yakho malus izoqhubeka nokushintsha ngokuya ngokuziphatha kwakho unyaka wonke.
Umphumela wengozi yesithuthuthu kubhonasi yomshuwalense wesithuthuthu
Noma iyiphi ingozi umshwalense ayibhekele ngokwengxenye noma ngokugcwele iholela ekukhuleni kwenani le-premium yakhe yomshwalense, okungukuthi, ukwehla kwephrimiyamu yomshwalense wesithuthuthu. Esimweni esinjalo, kungavela izimo eziningana.
Isimangalo semfanelo ejwayelekile
Esimweni sesimangalo sesikweletu esihlukanisiwe, i- iphrimiyamu izokwenyuka ngo-12.5%... Ngamanye amagama, ngaleyo ndlela wabelana ngokulingana kwe-malus nomshayeli wesibili, umthwalo wakhe oza ngemuva kwesinqumo somshwalense.
Isimangalo Esiphethe Ngokugcwele
Esimweni sesimangalo obhekene naso wedwa, iphrimiyamu yakho izokwenyuka ngo-25%, isb. Inhlawulo engu-1,25. Ngakho-ke, njengowukuphela komuntu obhekene nalesi sehlakalo, kusetshenziswa inhlawulo enkulu.
Imfuneko ebhekelekayo kubaninipholisi abafinyelele kubhonasi ephezulu
Njengoba sishilo ngenhla, ibhonasi esemthethweni ephezulu ingu-50%. Kubantu asebefinyelele kule bhonasi okungenani iminyaka emithathu, ingozi yokuqala ebhekene nayo ayiholeli ekulahlekelweni kwebhonasi... Baqala ukulahlekelwa yiyo engozini yesibili.
Ibhonasi Yesikhathi Sokuphila Yonke
Ngokusobala, noma ibhonasi ingu-50%, akuyona eyempilo. Iqhubeka ishintsha kuye ngokushayela kwakho. Ukwenza kube lula kwabanomshwalense, abanye abomshwalense, njenge-MAAF, banikela ngamabhonasi esikhathi sokuphila kumakhasimende abo.... Lawa ngamabhonasi ezentengiselwano angahlobene ngqo nesilinganiso senhlawulo yebhonasi. Kodwa-ke, lokhu kungumvuzo owengeziwe wabashayeli bezithuthuthu abaqinisekisa izimoto zabo ezinamasondo amabili, ngokwesibonelo ngokuthatha umshwalense wezithuthuthu we-MAAF.
Yini Ibhonasi Yesikhathi Sempilo?
Le ibhonasi yempilo yonke isaphulelo sempilo yonke sezentengiselwano kumaphrimiyamu omshwalense enikelwa ngabashuwalense futhi isetshenziswe kuso sonke isikhathi sesivumelwano ngaphansi kwemibandela ethile.
Izimo ze-MAAF Lifetime Bonus
Ukuzuza ngebhonasi ye-MAAF Lifetime, i-coefficient yesijeziso sebhonasi - 0.50 iphazamisekile ngesithuthuthu okuwukuphela kwaso kanye nomshayeli oyinhloko ovezwe yile nkontileka kule minyaka emithathu edlule.
Lapho-ke umshayeli bekungafanele abe khona akanacala nganoma iyiphi ingozi ezinyangeni ezingama-24 ezedlule ngaphambi kokuphothula inkontileka yomshuwalense. Ekugcineni, umshayeli kufanele abe nelayisense lokushayela okungenani iminyaka eyi-16.
I-bonus-malus, enqunywa kuye ngokuziphatha komshayeli noma umgibeli, iyacatshangelwa lapho kubalwa iphrimiyamu yomshuwalense. Ngakho-ke, kubalulekile ukufunda ukuthi ushayela kanjani kahle ukuze uthole isaphulelo ku-premium yomshuwalense.
