DSAGO: ukuba indlela eyahluke ukusuka MTPL and CASCO?

Bambalwa abantu unemibuzo malunga umahluko MTPL kunye CASCO. Kodwa kukho kwakhona DSAGO. Yintoni na? Njengokuba kubhaliwe enxulumene ne-CTP yaye ngokungafaniyo Hull? Kodwa nantsi eyona nyaniso.

Yintoni na yaye kutheni kufuneka nathi?

DSAGO Ngoko, yintoni na nokuba yintoni oyifunayo? Siqala ngokukhumbula into ezaziwayo-kakuhle: akusoloko MTPL inshorensi lugubungela ngokupheleleyo umonakalo. Amaxabiso iinxalenye kunye nokulungiswa, kwakunye iindleko zeenkonzo zonyango ukutshintsha rhoqo ngokukhawuleza kwaye ngaphezu ehlaziyiweyo izixa ubuninzi iintlawulo ze-inshorensi. Kulo mzekelo, omnye umqhubi, nkqu elitheni, asikwazi kuba ezilikhulu ekhulwini ezikhuselweyo ziingozi.

MOD ivumela ukuqinisekisa intlawulo efanelekileyo mali, kodwa kubalulekile inkonzo iyabiza, hayi zonke umnini Imoto ukuhlawula iindleko ezinjalo. Kulo mzekelo, kubalulekile ukucinga phambi kwethu inshorensi.

Insurance DSAGO ebizwa CTP phambili. Unalungelo lini na ebalulekileyo xa kuthelekiswa ne "avtograzhdanki", ukwandisa isixa-inshorensi. Ukuba intlawulo, leyo lixhomekeke CTP, akwanelanga ukuba imbuyekezo ngokupheleleyo umonakalo, umahluko kuba umvuzo phakathi DSAGO.

Ngaloo ndlela, sithetha inshorensi ngokuzithandela mafutha ubutyala, ukongezelela inyanzelekile. Endaweni izifinyezo DSAGO nga tirhisiwaka Dago, DoSAGO, DPP, DSGO.

Njani isicelo?

Njengoko sele kukhankanyiwe, DSAGO - ngokuzithandela. Ngenxa yoko, izinga ukuba inshorensi nganye imisela iziphumo zabo. Kwindawo yokuqala iindleko ixhomekeke isixa-inshorensi, kodwa amava lomqhubi, uhlobo, umthamo kunye nobudala yesithuthi, kwaye igama elithi ka-nkqubo, kakhulu, ibalulekile.

Musa ukulibala ukuba CTP - yokubopha isixhobo umqhubi. Faka ngayo DSAGO akunakwenzeka. Ngokusisiseko, unayo i-inshorensi ezimbini. Kodwa baya iindleko ngaphantsi kwe igobhogobho, leyo, ngokuzenzekelayo, naye azikhutshwa MTPL.

Ukuze ngokusesikweni DSAGO nkqubo, ukulungiselela:

1. iphepha-mvume lokuqhuba.
2. nkqubo MTPL.
3. koxwebhu yobhaliso yesithuthi.
4. Passport.
5. Idatha kubantu wavuma kubalawuli.

Indlela elula ukusebenzisa inkampani efanayo wayila CTP ukuba siphephe iingxaki ukumisela isixa sokuhlawula kwimeko yengozi.

Njengomthetho jikelele, ekufunyanweni elandisiweyo "avtograzhdanki" inshorensi musa kuhlola imoto. Kodwa ukuba umnini imoto ubuza eliphezulu kakhulu isixa imbuyekezo (ngaphezu kwezigidi ezi-2), ukuze ivuse urhano kwi insurer. Ke kunjalo uhlolo luya kuqhubeka.

Phathani ifomu eyandisiweyo ingxelo ungayikhetha.

Ngubani ekufuneka DSAGO?

Nantoni na uthi agents inshorensi malunga nenzuzo-nkqubo ngokuzithandela, enoba umngcipheko eloyikekayo yokuba kokungena emotweni doroguschy amazwe, amagama abo kufuneka zibe, okanye abathathu. Amathuba yingozi apho isixa umonakalo liphezulu kakhulu ngaphezu komlinganiselo umgangatho motor esisinyanzelo inshorensi TPL -. 400 amawaka engange, hayi phezulu kangako. imoto ebiza Nokuba kunzima umonakalo ephezulu isixa iimeko yokuqhuba endleleni.

Kodwa DSAGO ukuba uphazamisane kubanini abatsha, ongenamava imoto kunye namava lokuqhuba, kwakunye nabo bakhetha ngesimbo ulawulo ndlongondlongo kunye izantya eziphezulu.

Le DSAGO ezahlukeneyo ukusuka Hull and MTPL?

Ethetha ngokuzithandela "avtograzhdanki" kuya kuba mnandi acha- nezinye iindidi ze-inshorensi injini, ukuze siqonde ngcono le DSAGO. Ntoni na, siya ukuqonda, kodwa kwahluke njani ukusuka yokuzithandela CASCO efanayo?

CASCO - kukho ukhuseleko isithuthi inshorensi, lo gama i-CTP kunye DSAGO - liability protection wemoto. Ukuba sele unoxanduva ingozi, ungalindela ukuba ukubuyisa iindleko zokulungisa imoto yakho ukuba kukho CASCO. Ukuba une kuphela CTP okanye DSAGO, intlawulo ifunyenwe kuphela iqela owenzakeleyo.

Umahluko ukusuka CTP iindleko-nkqubo kunye Isixa sembuyekezo. Rates for CTP ifaka Central Bank, kunye nexabiso-inshorensi DSAGO zikhululekile ukuba "experiment" kangangoko kuyimfuneko. Ngokumalunga isixa-inshorensi, intlawulo DSAGO imela umahluko phakathi imbuyekezo kwi-inshorensi motor esisinyanzelo kunye nemali kanye umonakalo.

silapha nawe kwaye ufumanise konke malunga DSAGO: yintoni na, ukuba ikhuphe nokuba ungakwazi esikhundleni ezinye inshorensi ngayo. Qaphela kwi iindlela!