Izindleko ze-CASCO zemoto futhi zibalwa kanjani izindleko zayo

Ngokungafani ne-OSAGO - umshwalense wemfanelo oyimpoqo, i-CASCO - iwuhlobo lomshwalense wokuzithandela wezakhiwo. Ukuba nenqubomgomo ye-CASCO esandleni, uma kwenzeka ingozi ngenxa yephutha lakho, uzothola isinxephezelo semali ngokulungiswa kwemoto yakho eyonakele, kuyilapho ngaphansi kwe-OSAGO inkampani yomshwalense izokhokhela umonakalo owubangele kumuntu olimele esikhundleni wena.

Imicimbi esemqoka enomshwalense ngaphansi kwe-CASCO:

• ukwebiwa kwemoto noma izingxenye zayo;
• ukulimala kwengozi;
• imbuyiselo yezindleko zokubuyisela impilo yomshayeli nabagibeli ngemuva kwengozi;
• umonakalo ngenxa ye-force majeure, i-icicles ewayo, izihlahla, umonakalo owenziwe abantu besithathu ngenxa yemisebenzi yabo engekho emthethweni.

Ukubalwa kwezindleko zenqubomgomo ye-CASCO kuncike ezintweni eziningi, eziyinhloko zazo yilezi:

• ukwakhiwa kanye nemodeli yemoto, unyaka wokukhiqiza;
• indawo yokuhlala;
• iminyaka, ubulili kanye nolwazi lokushayela;
• izindleko zemoto.

Izindleko zomshwalense ziyahlukahluka ezinkampanini zomshwalense ezahlukene. Ukukhuluma nje, inqubomgomo egcwele ye-CASCO (okungukuthi, isinxephezelo somonakalo ngenxa yengozi, ukweba noma izinhlekelele zemvelo) izobiza okungenani i-4% yezindleko zemoto.

Ake sithathe lesi simo:

Intombazane, eneminyaka engu-25-30 ubudala, umnikazi we-BMW X5 ka-2012, uthenge imoto kumthengisi ogunyaziwe ngama-ruble ayizigidi ezingu-3,5. Inqubomgomo yomshuwalense ehlanganisa zonke izingozi izobiza ama-ruble ayizinkulungwane ezingu-650-700 !!! Kodwa lokhu kusezinkampanini ezidumile. Uma uzama, ungathola amanani aphansi kakhulu - ama-ruble ayizinkulungwane ezingama-200-400. Futhi ezinhlelweni ezihlosiwe, ungafinyelela amanani aphansi.

Yini eyathonya izindleko eziphakeme kangaka: iminyaka, isipiliyoni sokushayela esincane, izindleko eziphezulu zemoto. Ngenxa yalokho, sifinyelela ku-6-15% wezindleko zemoto.

Uma sithatha isithombe esinengqondo kakhudlwana iningi labantu, isibonelo, "Lada Priora" 2013, wathenga ruble ayizinkulungwane 450. Isipiliyoni sokushayela somshayeli - iminyaka engama-20, ubudala - iminyaka engama-40, imoto isendaweni yokupaka egadiwe, kunesistimu ye-alamu evamile. Sifaka idatha emshinini wokubala we-inthanethi futhi sithole uhla lwamanani ukusuka ezinkulungwaneni ezingama-80 ngaphandle kwe-franchise kuye kuma-ruble ayizinkulungwane ezingama-20 nge-franchise yezinkulungwane ezingama-20.

Ngakho, kuye ngokuthi inkampani kanye nezimo zomshuwalense, inqubomgomo ye-CASCO izobiza kusuka kumaphesenti angu-16 kuya kwangu-4 entengo yemoto.

Iyalayisha...