Kubiza malini umshuwalense wemoto ngaphansi kwe-CASCO, OSAGO, DSAGO

Kunezinhlobo eziningana zomshuwalense wemoto eRussia. Umnikazi wanoma iyiphi imoto ebhaliswe eRussia kufanele aqinisekise isibopho sakhe somphakathi. Akuvunyelwe ukusebenzisa imoto ngaphandle kwenqubomgomo ye-OSAGO. Izobiza malini inqubomgomo ye-OSAGO?

Izindleko ze-OSAGO ziyefana kulo lonke elaseRussia. Isilinganiso esincane singama-ruble angu-1980 ngonyaka. Kodwa-ke, ingahluka kakhulu kuye phezulu kuye ngenani lezici:

• uhlobo lwemoto namandla enjini;
• isifunda sokubhaliswa;
• iminyaka yomshayeli, isimo senhlalo;
• ulwazi lokushayela, inani lezehlakalo ezifakwe kumshwalense esikhathini esidlule kanye nenani lokuphulwa komgwaqo.

Ngayinye yalezi zici ine-coefficient yayo, ngokumane uphindaphinde izinga lesisekelo nama-coefficients, ungathola izindleko zonyaka zenqubomgomo ye-OSAGO. Isibonelo, umnikazi we-Ford Focus, ohlala eMoscow, ongakaze abe engozini ngaphambili, uzokhokha cishe ama-ruble angu-4700-4800 ngonyaka we-OSAGO.

Inani eliphakeme lokukhokha ngaphansi kwe-OSAGO lingama-ruble ayizinkulungwane ezingama-240, lapho izinkulungwane eziyi-120 ziya esinxephezelweni sokulimala kwezempilo. Umkhuba ubonisa ukuthi izinkulungwane eziyi-120 zincane kakhulu uma udale umonakalo emotweni ebizayo yangaphandle, ngakho-ke, kungenzeka ukuthi umshuwalense wemfanelo wokuzithandela unikezwe - "DSAGO". Izindleko zenqubomgomo ye-DSAGO zincike enanini lezinkokhelo zomshwalense - kusuka ezinkulungwaneni ezingama-300 (ama-ruble angama-500) kuye kuma-ruble ayizigidi ezi-3 (ama-ruble angama-5000).

Ngaphezu kwe-OSAGO ne-DSAGO, umkhiqizo womshuwalense odumile umshwalense we-CASCO, ozokhokhela umonakalo odalwe emotweni yakho, kungakhathaliseki ukuthi ubani obangela ingozi. Ukubala izindleko zenqubomgomo ye-CASCO kunzima kakhulu, ngoba inkampani ngayinye yomshuwalense inikeza izimo zayo futhi intengo yomshuwalense wemoto efanayo ingahluka kakhulu - kusuka kumaphesenti ayisikhombisa kuya kwangu-20 ezindleko zemoto, eMoscow ngokwesilinganiso - 12 %.

Uma sikhuluma ngemodeli efanayo ye-Ford Focus ka-2010, manje izobiza ama-ruble ayizinkulungwane ezingu-400 kuya ku-500, khona-ke kuzodingeka sikhokhe kusukela ku-28 kuya ku-80 ayizinkulungwane ze-CASCO. Izinkampani eziningi zinikeza izinketho ze-CASCO ezilula - umshuwalense ngokumelene nezingozi ezithile, futhi izindleko zenqubomgomo zingakhokhwa kancane kancane.

Naphezu kokuthi "i-CASCO" iphelile unyaka futhi ibiza kakhulu, lo mshwalense uthandwa kakhulu. Kwanele nje ukubala kancane ukuthi ukulungiswa okungathí sina ngemva kwengozi kuzokubiza kangakanani, futhi uzoqonda ukuthi kungcono ukukhokha izinkulungwane ezingu-40 ezifanayo kunokubheka inani eliphindwe izikhathi eziningana kamuva.

Iyalayisha...