Umngcipheko inshorensi CASCO: iimeko, imingcipheko izinto inshorensi auto

Xa isigqibo imfuneko inshorensi imoto yakho (yenyathelo yabo okanye phantsi koxinzelelo yeemeko zangaphandle), umntu uqala ukhangela kwinkampani yeinshorensi efanelekileyo. Le ongase idla kuqala ukhangela ngamaxabiso yeinshorensi, uze kuphela isenza ingqalelo kwezinye ngokwemiqathango yesivumelwano (yaye ke akusoloko). Kodwa isantya iya kuxhomekeka kwiimeko apho izinto inshorensi auto insured.

Nangona yokuba Hull - isithuthi ngokuzithandela motor inshorensi loMthengi, ngaphandle kwayo ayiyi kwenza nto itransekshini ngetyala. Ngoko abanini imoto, le mvumelwano uba ngokuzithandela-ezinyanzelekileyo. Ukufumanisa ngokungaphaya nge iimeko ukhethe ngempumelelo yeinshorensi, kuyimfuneko ukuba baqalise ukuqonda ukuba yintoni yahlukile Hull CTP. Umahluko omkhulu phakathi kwezi ntlobo zimbini ze-inshorensi - izibonelelo inshorensi auto. Kwimeko yokuqala iya kuba wesithathu (okt ukoyika ubomi kunye nempilo nabanye abasebenzisi bendlela, ngokunjalo nemihlaba yabo, kuquka iimoto), ngoko ke i-inshorensi ebanzi kuphela into inshorensi imoto ngokwayo.

Ngokukhetha iimeko apho mvumelwano iya kuzotywa CASCO, izigulana ezo kufuneka baqonde ukuba imali yokukhwela iphantsi kuba isivumelwano ngokuqinisekileyo ikhatshwe itsalelwa aphezulu, okanye ukungafikeleli kuluhlu lwe ezinye iingozi. Zombini ixesha kubalulekile kakhulu kwaye kwixesha elizayo kuchaphazela uya kuba yintoni imali xa ufumene phezu ukwenzeka isiganeko esithile.

Franchise (okt isixa zitsalwe imali xa intlawulo) zingabonakaliswa njengepesenti yeendleko iimoto, kunye engange. Ukuba i-inshorensi imoto ubandakanya itsalelwa eliphezulu, ngoko afune imbuyekezo kwenza kuphela ingqiqo xa umonakalo omkhulu. Izivumelwano ezinjalo luye semali-mboleko yokuthenga imoto, ukunciphisa iindleko izinga itsalelwa xa inshorensi client, enyanisweni, angafunekiyo, yaye ebona kuphela nje iindleko ezongezelelweyo.

Phakathi iingozi apho zeinshorensi izinto inshorensi auto, imeko ngolu hlobo lulandelayo: ukuba imoto, ngoko ke ungakhetha yibhanki kunye umxhasi akakwazi kuthintelwe naziphi na izinto, ukuze sinciphise i insurance premium. Ukuba inshorensi akazalani-mboleko, umthengi ukhetha ukuba ziquka kule mvumelwano noko ayikho. Kwimeko bezinto inshorensi motor inshorensi zonke umngcipheko isivumelwano CASCO isebenza ingozi (zombini ngenxa kumqhubi, kwaye ngaphandle kwayo), izenzo okungekho mthethweni nabanye abantu (kuquka ubusela), iintlekele zemvelo, izinto eziwayo, imithi, umlilo okanye umlilo okhawulezileyo.

Ukunciphisa iindleko inshorensi, umthengi uya kwala izinto apho, ngokwembono yakhe, kwenzeke. Njengoko umthetho, sivumelwano ngaphandle iintlekele zemvelo kunye nomlilo, kusale kuphela ingozi nobusela. Xa avareji franchise kwinqanaba ngo-2-4% ye isixa-inshorensi i-inshorensi inokuba axabisa ka- 2. Iinjongo ze-inshorensi auto ngexesha elinye kunokuba izithuthi zombini kubantu abazimeleyo kunye namashishini. inshorensi abaninzi veke yobudala ubuninzi imoto, yona-inshorensi igobhogobho, ukwandisa amanani ezimotweni abadala kwe-8, 9 okanye 10, 1.5 okanye 2 phinda-phinda, okanye enika i-inshorensi izithuthi ezinjalo.

Xa ukhetha inkampani yeinshorensi, nto leyo eya kuthi ngemvumelwano Hull, ngokunjalo ingqalelo iimeko ezahlukeneyo kwesivumelwano kufuneka, sinikele ingqalelo ngenyameko le nkqubo, ukuze, xa kuyimfuneko, kulula kunye nobunzima-free ukufumana imali.