Ingabe umshwalense wemoto oshibhe kunayo yonke uhlala ungcono kakhulu?

Kungani Umshwalense Wezikweletu Ubaluleke Kakhulu?

Okokuqala nje, inhloso enkulu yomshwalense wemfanelo ukuvikela abanye abasebenzisi bomgwaqo - abangaba izisulu zezingozi zomgwaqo. Njengomnikazi wepholisi, asisoze sathola isinxephezelo kuye. Umshwalense wesikweletu kufanele uhlukaniswe ngokucacile kwezinye izinhlobo zomshwalense.

Okwesibili, kungakhathaliseki ukuthi yiziphi izindleko zenqubomgomo ye-OSAGO, umshwalense ngamunye unemibandela efanayo yesamba esiphezulu sesiqinisekiso. Lokhu kulawulwa nguMthetho wangomhla zingama-22 kuNhlaba wezi-2003 Womshwalense Oyimpoqo, Isikhwama Somshwalense Wesiqinisekiso kanye ne-Polish Motor Insurers' Bureau. Kusukela ngo-2019, isamba esifakwe kumshuwalense singama-EUR 5 ngokulimala komzimba kanye nama-EUR 210 ngomonakalo wempahla.

Okwesithathu, umshwalense wesikweletu senkampani yangaphandle uyimpoqo kuyo yonke imoto ebhalisiwe, ngisho noma ungakaze usetshenziswe izinyanga ezimbalwa (ngaphandle kwezimoto zakudala). Futhi lena ukuphela kwengxabano enengqondo evuna ukuthenga i-OS eshibhe kakhulu.

Okwesine, imfuneko yokuba khona kwayo ilandela imithethonqubo, futhi ukungabikho kwayo kuhlotshaniswa nezijeziso eziphezulu. Kubanikazi bezimoto, inani lenhlawulo lingashaqisa uma kubhekwa inani le-OC. Ukubonisa ukuthi kungani ungabambezeli ukuthenga inqubomgomo, nanka amanani ezinhlawulo ezisebenzayo:

• ukubambezeleka kuze kufike ezinsukwini ezi-3 - inhlawulo yama-euro ayi-112
• ukubambezeleka kusuka ezinsukwini ezi-4 kuye kweziyi-14 - inhlawulo yama-euro angama-280
• ukubambezela izinsuku ezingaphezu kwezingu-14 - inhlawulo yama-euro angama-560

Ngakho-ke, kufanelekile ukukhumbula kusenesikhathi mayelana nesiphetho noma ukwandiswa kwenqubomgomo evumelekile, njengoba ukuhlola kwamaphoyisa okulula kungase kube umcimbi obiza kakhulu kithi.

Ngokuvamile, ngemali encane uma kuqhathaniswa, singafeza isibopho esingokomthetho, sivikele izithakazelo zalabo abangase babe izisulu, futhi sikwazi ukuboleka imoto kothandekayo ngaphandle kokwesaba. Umgomo othengiwe usebenza emotweni futhi uvikela bonke abashayeli nabagibeli.

Ngenhlanhla, umshwalense wesikweletu wenkampani yangaphandle ukuphela kwento okufanele siyithenge. Nokho, kunezinye izinhlobo zomshwalense eziwusizo ekusetshenzisweni kwansuku zonke kwemoto okufanele ube nazo. Iminyaka eminingi, umshwalense ohambisana nawo ubulokhu utholakala emakethe, okuthi, ngakolunye uhlangothi, uvikele impilo yethu, impilo kanye nemoto yethu, futhi ngakolunye uhlangothi, usiza kakhulu ezimeni zengozi njengokuwohloka.

Umshwalense AC ie. Umshwalense wezimoto

Lona owokuqala wemishwalense eyengeziwe evamise ukuhambisana nomshwalense wemfanelo wenkampani yangaphandle. Ukuba khona kwayo kusihlinzeka ngezindleko zesinxephezelo noma zokulungisa uma kwenzeka:

• ukubamba iqhaza ekungqubuzaneni ngenxa yephutha lethu noma ukungakwazi ukuthola umenzi wecala,
• ukwebiwa kwemoto,
• ukulimala kwemoto, isib. izikhukhula, ukuchotshozwa isihlahla, njll.

Ngokusekelwe ezenzakalweni ezingenhla, umuntu angacabanga ukuthi yikuphi ukulahlekelwa kwezezimali esingachayeka kukho uma esinye sezimo ezingenhla senzeke. Inqubomgomo ye-AC iyenzeka:

• ephaketheni eline-OS ngenkokhelo encane uma kuqhathaniswa,
• njengesivikelo somcimbi esigcwele njengomkhiqizo ohlukile okufanele sikukhokhele kakhulu kunalapho sithenge iphakheji ye-OC/AC.

Okunikezwayo kwe-TU, umshwalense wezimoto uyahluka enanini lokukhava, inani lezimangalo ezingaba khona kanye nenani lenqubomgomo. Ngokwesibonelo, singakhetha uhlaka lwemoto oluzosivikela kuphela uma kwenzeka kwebiwa imoto.

Njengoba kuvame ukwenzeka, izindleko zomshuwalense ngokuvamile zihlolwa kuphela ngemva kokuba umonakalo usuwenziwe kakade. Into eyodwa eqinisekile, ukukhokhela i-AC kuzokhokha izikhathi eziningi uma kwenzeka, isibonelo, i-cullet, izindleko zokulungisa ezivame ukuba yizinkulungwane zama-zloty, futhi esimweni sezimoto ezibiza kakhulu ngisho namashumi izinkulungwane.

NNW, i.e. umshwalense wengozi

Lona omunye umgomo obaluleke njenge-AC. Umsebenzi wawo ukuvikela impilo nempilo yethu neyabagibeli bethu.

Uma kwenzeka kuba nengozi, sinelungelo lokunxeshezelwa ngezindleko zokwelashwa noma zokufa ngenani elishiwo kwinkontileka yomshwalense wengozi. Yiqiniso, inani eliphakeme, lingcono.

Usizo, i.e. usizo ezimeni eziphuthumayo

Usizo luwumshwalense ozosisiza ukuthi siphume ezimeni ezifana nemoto ephukayo emgwaqeni, ivimbele ukuqhubeka nokuhamba, sizingcwabe eqhweni, odakeni, njll. Okumele ukunake uma uthenga usizo wububanzi bayo. Ivamise ukulinganiselwa kakhulu. Uma kwenzeka kunezinkinga edolobheni, akunandaba, kodwa uma kwenzeka ukuwohloka komzila oqhubekayo, umshwalense angase anqabe ukusidonsa.

Umshwalense wewindi

Noma ubani owake waba nethuba lokushintsha ingilazi ephukile uyazi ukuthi le nkonzo ibiza kangakanani. Ngokuphambene nokubukeka, akunzima kakhulu ukuyiphula, isibonelo, ngenxa yamatshe amatshe emgwaqeni. Ngenqubomgomo efanele, asidingi

Umshwalense Wesikweletu Senkampani Yangaphandle ngeke usinikeze isivikelo esigcwele

Sesiyazi ukuthi yiziphi izinhlobo zomshwalense nokuthi kungani kufanele uyisebenzise. Ngesikhathi esifanayo, kufanele wazi ngokugcwele ukuthi umshwalense wesikweletu wenkampani yangaphandle ngeke ukunikeze ukuvikeleka okungcono kakhulu. okuthiwa i-OC policy addenda, i.e. ama-air conditioner amancane ngokuvamile anebanga elilinganiselwe lokuvikela. I-OS eshibhe kakhulu idlala indima yokudoba, okufanele ithakazelise iklayenti ekunikezeni kwalo mshwalense. Ngakho-ke, lokhu kuwuhlobo lokuqala lokuthengwa kwezinqubomgomo ezengeziwe, futhi, ngenxa yalokho, ukuthengwa kwephakheji eliphelele elizosinikeza ukuvikelwa okugcwele cishe kuzo zonke izimo. Akubalulekile ukulondoloza umshwalense nganoma yiziphi izindleko, ngoba izindleko zayo cishe zifanekisela, zinikezwe izindleko ezingenzeka zokulungisa, ukulahlekelwa imoto, ingasaphathwa izindleko zokwelashwa.

Ungabheka kuphi amadili omshwalense wezimoto angcono kakhulu?

Into engcono kakhulu ukuqhathanisa eziningi zazo. Ithuba elinjalo elikahle lokuqhathanisa izinkampani zomshwalense eziningana endaweni eyodwa linikezwa isiza sokuqhathanisa i-Punkta.pl. I-calculator etholakala lapho ikuvumela ukubala ngokuthembekile izindleko zomshuwalense, ucabangela izici eziningi. Ungakhetha ukuvikela okugcwele noma i-OC kuphela.