Ingabe uthenga inqubomgomo ye-AC? Bheka ukuthi yini okufanele uyibheke - umhlahlandlela

Umshwalense we-motor hull, ngokungafani ne-OSAGO, umshwalense wokuzithandela. Inqubomgomo ye-AC inikeza umshayeli isivikelo somshwalense ekulahlekeni kwezinto ezibonakalayo okuhambisana nokulimala kwemoto ngesikhathi sokusebenza. Seluleka ngokuthi yini okufanele uyibheke lapho ukhetha lo mshwalense.

I-Poliska AC, noma i-Auto Casco, isebenza kalula kakhulu. Noma ngabe uwena imbangela yokushayisana, umshwalense uzokhokhela ukulungiswa kwemoto eyonakele. Njengengxenye ye-AC, inkampani yomshwalense izokhokhela izindleko zokuqeda umonakalo, kuhlanganise nalapho umenzi wecala engaziwa. Njengoba kuvame ukwenzeka ngokweba, imihuzuko emsebenzini wokupenda endaweni yokupaka noma amabhampa amancane phambi kwezitolo ezinkulu. Isikhulumi siphinde sivikele ezenzakalweni zengozi - umlilo, ukuqhuma kwemoto noma izakhi - isichotho, ukulimala kwemoto ngenxa yesihlahla esiwile. Kafushane, i-AC nayo iyinqubomgomo yokuthula kwengqondo. Akuyona nje indaba yokuthola isinxephezelo, kodwa futhi induduzo yengqondo yokushayela nsuku zonke.

Ububanzi bomshwalense we-AS

Izinqubomgomo ezahlukahlukene ze-Auto Casco ziyatholakala emakethe, njengomshwalense wemithwalo kanye namafasitela, uma kuntshontshwa kuphela, noma ekulimaleni kwemoto kuphela. Ngakho-ke, umshayeli kufanele azi ukuthi ufunani lapho ekhetha inqubomgomo. Ochwepheshe bakhumbuza ukuthi umthamo wenqubomgomo, okungukuthi, umonakalo ovikela kuwo, ubaluleke kakhulu kunentengo yayo.

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Izinkampani zomshwalense zivame ukuthengisa amaphakheji e-AS - ziwanikeza kanye nomshwalense wemfanelo wenkampani yangaphandle oyisibopho futhi - kancane kancane - umshwalense wezingozi owengeziwe - ukuvikela emiphumeleni yezingozi. Nakuba umshwalense wemfanelo wenkampani yangaphandle uvikela emiphumeleni yomphakathi yengozi ebangelwe umuntu onomshwalense, umshwalense wengozi ukhava imiphumela engenakulungiseka yezingozi, njengokufa komuntu onomshwalense phakathi nohambo lwemoto. Bonke abahambi, okungukuthi abashayeli nabagibeli, bafakwe umshwalense. Usizo futhi luyingxenye yephakheji, i.e. usizo oluseceleni komgwaqo, ukuhudulela imoto endaweni yesevisi, ngezinye izikhathi nezindlu eziqashisayo - uma ukuphuka noma ingozi yenzeke kude nendawo ehlala umnikazi wepholisi - kanye nemoto eshintshwayo.

Umshwalense we-AC ungahluka ngokuya ngesikweletu. Emakethe, ungathenga, isibonelo, umshwalense ovikela kuphela ekuntshontshweni noma emonakalweni ohlobene nokulimala kwemoto. Iyiphi inketho yomshuwalense engcono - konke kuncike ekuthandweni komuntu ngamunye komshayeli.

Izaphulelo Zomshwalense we-AC kanye Nokwenyuka

Inkampani ngayinye inenqubomgomo yayo yamanani, ngakho-ke inquma ukuthi yiziphi izaphulelo kanye nezindleko ezingeziwe zabathengi benqubomgomo yezimoto ezincike kuzo. Kwezinye izinkampani, ukwakheka kanye nemodeli yemoto kuzoba yisici esibaluleke kakhulu esithonya inkokhiso eyengeziwe - ngenxa yomehluko omkhulu ezindlekweni zokukhanda izimoto ngazinye - kanti kwabanye, ubulili neminyaka yomshayeli. Ngaphezu kwalokho, intengo yenqubomgomo ithonywa yilokhu: izindleko zemoto (i-premium eyisisekelo ye-AC ibalwa njengephesenti yenani lemoto), ukuthandwa kwezibalo zokweba kanye nonyaka wokukhiqiza. Isici esengeziwe futhi indawo yokuhlala yomnikazi wemoto.

Okuhlukile ku-indemnity, isamba siqinisekisiwe

Ngaphambi kokusayina inkontileka, kuyadingeka ukuhlola inani elimbozwe umshwalense kanye nohlu lokungafakwa esibophweni somshwalense. Lolu hlu luchaza izimo lapho umshwalense engeke akukhokhele isinxephezelo. Ngakho kufanele ufunde ngokucophelela kakhulu. Uhlu lokuhlukile luhlanganisa, phakathi kwezinye izinto, umbandela wokuthi umshwalense akayikhokhi isinxephezelo ku-AS uma umonakalo udalwe ngenhloso noma ephuze utshwala noma izidakamizwa, uma umshayeli, owayengenayo izincwadi zokushayela, ebalekile. indawo yesehlakalo. Esimeni sokwebiwa kwemoto, umnikazi kufanele ethule isethi yokhiye, izilawuli kude ze-alamu, isitifiketi sokubhaliswa, i-invoyisi noma imibhalo yokugunyazwa kwempahla ukuze athole isinxephezelo. Empeleni, awukho umkhawulo weminyaka yemoto, lapho ifika lapho umshwalense uzokwenqaba umshwalense we-AC. Izindleko zangempela kuphela zemoto, ezinqunywa ngokuya ngamatafula okuguqulwa, zibalulekile. Ngakho-ke, akwenzeki ukwenza umshwalense, isibonelo, iGalofu II ngama-zloty ayisigidi ukuze uthole isinxephezelo esiphezulu uma kwenzeka ukwebiwa komgunyathi.

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Qaphela amaqhinga

Umshwalense uzokwenza konke okusemandleni ukunciphisa inani lesinxephezelo ngangokunokwenzeka. Ngaphambi kokuphothula inqubomgomo, kufanelekile ukuhlola ukuthi ukudlula sekusungulwe yini, i.e. ukuthi umshwalense uzoyigodla malini kunoma iyiphi imbuyiselo. Udinga futhi ukuthola ukuthi inkampani yomshwalense izokhokha amaphesenti ayi-100 yini. izindleko zezingxenye ezisele ezintsha, zasekuqaleni, noma ngabe imoto enomshwalense indala. Izinkampani zisebenzisa imingcele ehlukene lapha, ukuze ukwazi ukugwema ukuphoxeka okubi kokukhokha isinxephezelo ngokuzithengela esakho isabelo.

Ungaqhathanisa kanjani Izinqubomgomo Ezihlukile Ze-Auto Casco:

Naka:

* isamba esinomshwalense, okufanele sinqume inani lamanje lemakethe lemoto

* izibonelelo ezinganikezwa ngenxa yokulimala kokushayela (kufika ku-240%), ubudala bemoto (kufika ku-50%)

* izaphulelo ezinganikezwa, isibonelo, zokushayela ngaphandle kwengozi (kufika ku-60%)

* ezinye izinqubomgomo kule nkampani yomshwalense (kufika ku-50% isaphulelo)

* indawo yokuhlala (kufika ku-40%)

* izindlela zokuphepha ezilwa nobugebengu ozikhethela zona (kufika ku-10% isephulelo)

* isabelo sakho, i.e. ingxenye yephesenti yomuntu ofakwe umshwalense ekulahlekelweni (ngemuva kokukhokhwa kwephrimiyamu, lesi simo singasuswa)

* ukwehla, i.e. uma imoto indala, iba ngaphezulu, kusukela kumaphesenti ayi-10 kuye kwangama-50, idonswa esinxephezelweni esikhokhiwe. Ngemva kokukhokha, isinxephezelo singakhokhwa ngenani elingu-100%. isinxephezelo.

Khumbula ukuthi lapho ukhetha i-AC, usayizi wephrimiyamu angeke kube ukuphela kombandela.