Iintlobo ze-inshorensi motor

Xa uhamba ngemoto ayikho nje ukuzonwabisa. Kuyinto ukhululekile, kakuhle, kodwa kuyingozi. Nokuba ngaba umqhubi umthetho, kungekhona scorcher, oko kusoloko intlanganiso ithuba ne umqhubi bangenamava okanye ayebaleka. Imeko iindlela, iimeko zemozulu nakho kwandisa amathuba okufumana ezingozini.

Iphupha zonke umnini wesithuthi - eyayiza kuba kwimeko yexesha likaxakeka, nokuba iqondo engekho, iindleko kwakucingelwa inkampani yeinshorensi. Ngaba iintlobo ezikhoyo-inshorensi motor yokugubungela umonakalo ezifunyenwe ngethuba ukusebenza isithuthi okanye ingozi? Awu, njalo. Kodwa ke nokuba le nto, bonke abanini imoto angabaxhamli iinkampani ze-inshorensi.

Olu hlobo luqhelekileyo inshorensi - MTPL, leyo unobumba wokuqala basisishunqulelo ibonisa ukuzibophelela. Ngolo hlobo ayizange umthetho nje ka-2003, kodwa ke into yokuba ngaphandle, njengoko besithi, akayi kude. Xa isithuthi kwakhona kobhaliso, ukuhlolwa isithuthi, kwintlanganiso kunye endlela - kufuneka kuyo yonke le nkqubo inshorensi. Uluhlu lweerhafu ngurhulumente kwaye zixhomekeke brand kunye neklasi imoto, amandla injini, amava kunye nezinye izinto zokuqhuba. Ichaphazela isixa-inshorensi kunye nenani labantu abaza kusebenzisa imoto. inshorensi imoto esisinyanzelo kuthetha ukuba umqhubi inshorensi ngubani luwugqithile imithetho unoxanduva ingozi, uthatha uxanduva ilahleko, leyo byi kwinkampani ye-inshorensi. Isixa Intlawulo eliphezulu - $ 400 amawaka engange .. Kodwa ke amaxesha amaninzi xa kukho ingozi enkulu okanye ingozi yokuba iimoto ezininzi oku akwanelanga. Imali ilahlekile nokubuyisela imoto yakho ngumtyholwa kufuneka ahlawule wena. Ukuze siphephe le meko, uyakwazi ukubhenela olunye uhlobo lwe-inshorensi imoto - DSAGO evumela Imihlaba ngokuzithandela ukwandisa undoqo, kwakunye ukuba alungise imoto yakho.

Ngokwentelekiso kutshanje iintlobo inshorensi auto wongezelela enye indlela - Hull. Olu hlobo sisondele kakhulu iphupha wabaqhubi - ukuthenga i-nkqubo kunye ukulala ngoxolo. Umdibaniso-inshorensi izenzo ixabiso lemarike imoto. Imigaqo-nkqubo elolu badla baba ngabanini yeemoto ezintsha yaye kuziindleko, kwaye uthatha imali-mboleko imoto kwi ibhanki kufuneka yithenge ngaphandle nakanjani. Olu khetho likuvumela ukuba isithuthi benefits ingozi ezifana ubusela kunye nomonakalo. Ukufunyanwa kwe-nkqubo esinjalo eqolo, kodwa kufuneka kukhunjulwe ukuba iimoto ezindala ngaphezu kweminyaka 10 phantsi inshorensi.

Ngoko abanini imoto eligugileyo, kufuneka ukusebenzisa DSAGO okanye nje inshorensi motor MTPL.

Imarike inshorensi noko uselula kakhulu kwaye phantsi kobhekiso phambili. Ngoko ke, inani iinketho wanikela lincinane. Ukongeza ezingundoqo kuluhlu, kukho ezinye iintlobo ze-inshorensi motor - "iKhadi Green" inshorensi umkhweli zothutho, izithuthuthu.

Nayiphi na uhlobo nkqubo enyulwe, kufuneka kuqondwe ukuba i-inshorensi - oku ishishini. Le abathengi ngaphezulu kuhlawulwa ngohlobo insurance premium imali kunokuba ngaphantsi ukwenza iintlawulo kumatyala-inshorensi, kokukhona ingeniso. Ukhetho oluchanekileyo lwe-owokugqibela kuxhomekeke ukuba uza kuhlawula iindleko zakho xa kuyimfuneko. Kufuneka kuqatshelwe ukuba kungakhathaliseki ukuba bubuphi iintlobo inshorensi auto lungasetyenziswa, imithetho yabo yahlukile kwiinkampani ezahlukeneyo. Yonke imiqathango kunye neemeko ezichazwe kwi contract, nto leyo edla akakwazi ukufunda ngenyameko, yaye eneneni apho zinokufunyanwa imibuzo emininzi elihlolwa ngcono kuxoxwa kwangaphambili ukuba siphephe izimanga kamva. It luthoba yedwa, ukuba iinkampani ze-inshorensi kunye abathengi bayakulangazelela kwiingozi zendlela kangangoko ezincinane kangangoko kunokwenzeka.