Uphi na indlela yokuqinisekisa imoto ngaphandle kwe-inshurensi eyongezelelweyo?

Ukuthenga imoto, asisoloko ucinge iindleko ezongezelelweyo elizayo. Ukuba ubekela bucala inkcitho wasele ezahlukeneyo, amatayari ebusika zonke iintlobo "gadgets" ezifana isihlalo iquka yesikhumba neula entsha, igalelo nezibaluleke kakhulu ukuza wesithuthi inshorensi. Kodwa ukuba inshorensi njani yaye phi imoto? Izimvo beenkampani ezifundisa iinkonzo ezifanayo, bebesenjenjalo azifani ukuba ukwenza ukhetho olufanelekileyo akusoloko kulula. Ethetha ezahlukeneyo IC, abathengi abaninzi badla ngokujongana nesibakala sokuba, ukongeza kwi-inshorensi kanye auto, bona ukubeka ngeenkonzo ezongezelelweyo ihlawulwe. Sithetha i-inshorensi yobomi, impahla njalo njalo. Kubalulekile, kodwa akuyomfuneko okwalo mzuzu, akunjalo? Kwaye ngaphandle, ukuba kukho umnqweno enjalo, umxhasi angacela abasebenzi ngokwesicelo sabo. Kodwa amazwi. Ngoko ke, indlela inshorensi imoto ngaphandle inshorensi ezongezelelweyo yaye yintoni ekufuneka uyenze?

iintlobo-nkqubo

Amaninzi, isivumelwano inshorensi isithuthi ngoko nangoko emva ukuthengwa leemoto elide ngonyaka. An ngaphandle isenokuba meko, xa ubudala othenge imoto ungaphezulu kweminyaka 10-12: kwiimeko ezinjalo, ezinye iinkampani kwaye inkunkuma inkonzo. Okwangoku, iindidi ezimbini ithandwayo-nkqubo:

• Hull - ukuba inshorensi umatshini (a) kusenokuba imfikele ubusela, kwaye nawuphi na umonakalo;
• CTP - kubonisa oomatshini yalapha umnini ilahleko abachatshazelwa yokungakhathali yakho;

Enye caveat ebalulekileyo :, kwimeko yengozi kufuneka ukhethe kanye apho isicelo imbuyekezo ilahleko ekungenwe kuzo kwimeko-inshorensi ukufumana iintlawulo kwi-nkqubo ezimbini akakwazi, ngoko ke ukuba une bobabini MTPL kunye CASCO.

Ngokuthenga enye okanye eminye imigaqo-inshorensi, okokuqala zonke umnini wesithuthi befuna ukuba imiqathango kakhulu, kwaye ixabiso nkonzo kule meko ludlala indima ebalulekileyo. Ngoko ke, ngaphambi kokusayina isivumelwano, Kufuneke uyijonge ngobunono zonke kujonge izinto zayo.

Njengokuba kude neinshorensi yobomi kuyimfuneko

Kokusayina isivumelwano, abanini ezininzi imoto senze yokuba ukongeza iinkonzo ezingundoqo ewusondeza likhuphe umgaqo-nkqubo imingcipheko eyongezelelweyo, umzekelo, ukuba inshorensi ubomi yomqhubi. Iintlawulo anjalo abantu bembiza ukubiza "dopami". Ngamanye amaxesha ukungaphumeleli kwezi nkonzo iquka nakwenzeka ubhaliso komgaqo-nkqubo okanye ukulibaziseka kakhulu ixesha irisithi yayo. Ngaba kunokwenzeka ukuba inshorensi imoto ngaphandle inshorensi yobomi? Kubonakala ukuba unako, Noko ke, maxa wambi inkqubo ingathatha ixesha. Ngoko ke, ukuba inshorensi imoto ngaphandle inshorensi yobomi kwi iinkampani "lweenkobe 'inkunkuma kunye nexesha processing liphelelwa - kulula ukukhangela ezinye yabarhwebi ezibonelela ngeenkonzo efanayo. Yaye kuthekani ukuba UK akafuni ukutshintsha?

Kufuneka wenze ntoni xa sele ichithiwe

Ngomhla isiseko somthetho Russian, akunyanzelekanga ukuba uhlawule iinketho ezongezelelweyo. Ngoko ke, ukuba, umzekelo, "Rosgosstrakh 'ukuba inshorensi imoto ngaphandle" izigaba ezizodwa "uyala kunye neqela-nkqubo wenkonzo utshintsho Andinaxesha okanye umnqweno, ungazama ukuphembelela insurer ngumthetho. Ngokuqhelekileyo, abantu abenza le-inshorensi, ahlawule akukho ingqalelo overpayment, kodwa ukuba umbuzo njengenqobo kuwe, nengxoxo elula kunye nabasebenzi japan yenkampani engazisi - ukuya enkundleni okanye iKomiti Anti-weMonopoly.

Ukuze aphumelele kwimeko ngokuqinisekileyo, kufuneka angqine ukuba abaphathi kuyanyanzeleka ukuba bahlawule inkonzo eyongezelelweyo akufuneki ngazo. Kuba oku ilingane elirhoxisa ebhaliweyo, nto leyo ekuluhlu njengoko unobangela ekungakwazini ukuba asayine isivumelwano ngaphandle inshorensi yobomi. Ukuba iphepha ukuba nithe anavuma, into yokuba ukungaphumeleli esinoshicilelwa efowunini okanye ngezwi rekhoda - oko ukunceda nobungqina obuvakalayo kwityala lakho. Kungenzeka, uya kuphumelela inkundla, nabo bonke egqithisileyo ziya kuphindiselwa emva, kodwa luvo kufuneka ukutsala bahle.

Ukongeza, kukho kungenzeka ukuba inshorensi woniweyo uya kukunika ulwazi malunga nawe njengomxumi ngokungenankathalo kumaqabane abo, kwaye ukukhupha umgaqo-nkqubo kwixesha elizayo kuya kuba yingxaki. Ukuba oku kuye kwenzeka kuwe - nangoko bakhalaza ofisi antimonopoly, iofisi yomtshutshisi kunye nenkundla. Shaya zonke iintsimbi, inyaniso ngecala lakho, ngokuba ku-inshorensi imoto ngaphandle inshorensi eyongezelelweyo efunekayo ngesithunzi inkampani, kwaye akukho mthetho kwanyanzeleka ukuba akubhatale loko mfuneko kuwe.

enye indlela

Ukuba ezonakalisa luvo nokumosha ixesha ukumangalelana andifuni, ungazama ukwenza ngaphandle owayephethe ubudlelwane kunye nombutho, bakhonza lo mgaqo-nkqubo. Nantsi ke enye, ngaphantsi indlela "anegazi 'ukuba inshorensi imoto ngaphandle inshorensi olongezelelweyo. imfundo Small:

1. Yiya kwi website ye nkampani ezikhethiweyo kwaye uzakufumana ulwazi apho iirhafu ezingundoqo iirhafu inshorensi kunye neenkcukacha zentlawulo.
2. Ukusebenzisa imiyalelo ye-Central Bank of the Russian Federation, ngokuzimeleyo kubalwa imali ye insurance premium. Yenza kube lula kwi-web sayithi ezahlukeneyo kulo mba kukho inala imiyalelo kunye nemizekelo.
3. Ukuhlawulela iinkonzo, kodwa ukuze onayo kwizandla zakho netsheki okanye irisithi ebonisa injongo intlawulo, apho kufuneka ubhale i "Intlawulo-inshorensi, ipolisi ye-inshorensi CTP, imoto" ... ", inani karhulumente xxxx."
4. Susa iikopi zala maxwebhu alandelayo: yokundwendwela, isihloko okanye isatifiketi sobhaliso lwesithuthi, iphepha-mvume lokuqhuba bonke, ngubani elamkelweyo ulawulo le isithuthi, ikhadi diagnostic okanye isiqinisekiso wokuvelelwa yobugcisa, itsheki lokuhlawula insurance premium.
5. Gcwalisa kwi isicelo wenza isivumelwano -inshorensi (ifom ingafunyanwa kwi "Bank of Russia" site).
6. Made in duplicate cover ileta, emisela kubhekiswa imithetho ilandelayo: Inombolo Umthetho 40, ile. ukusuka 11/04/14; imihlathi 1.4-1.6 "Regulations on the imithetho abanini kwezithuthi inshorensi liability esisinyanzelo" inombolo 431-P, evunyiweyo "i-Bank of Russia."
7. Ukuze ndikwazi leta nokubeka luhlu lungentla kwamaxwebhu kunye neekopi zabo.
8. thina wazise bonke ngasentla ofisi kwinkampani ye-inshorensi kunye kufunwe isitampu mhla wokufunyanwa i yakho ikopi yeleta isiciko.
9. Xa sithatha amaxwebhu ezipheleleyo zenkampani abasebenzi wala, siya uyithumele ngeposi, isamkelo sokubuyisa eceliweyo, qiniseka ukuba inventri utyalo-mali.

Kakhulu, emva kokuba onke la manyathelo, inkampani yeinshorensi akafuni ukubuza imibuzo kwaye bazobe nkqubo ngaphandle kokubeka ngeenkonzo ezongezelelweyo.

Njani yaye phi inshorensi imoto ukuze CTP

Fumana i-inshorensi imoto kunokuba phantse nayiphi na inkampani enikezela iinkonzo ezifanayo. Abantu CTP ebizwa nje "avtograzhdanki" njengoko segama "inshorensi enyanzelekileyo zobutyala yomphakathi imoto." Ukuze uyifumane, musa ngokufuthi kufuneka ukuba ingenise asihlole isithuthi ngokwayo, kodwa ukunqongophala CTP bukhatshwa sisohlwayo, isohlwayo.

Ke apho inshorensi imoto for CTP? Ngophanya nje lweliso, kusenokubonakala ngathi ixabiso le nkqubo iya kuba malunga okufanayo kuyo nayiphi na inkampani, kodwa practice oku akunjalo. Kodwa musa siwakhuphele cheap, kuqala kufuneka ucinge ukuba IC wakho ukuze abuyekeze ilahleko wena, xa kukho imfuneko. Nazi ezinye iindlela ekufuneka iselwe:

• Ixabiso le-inshorensi. Iindleko phantsi komgaqo-nkqubo - oku akusoloko into elungileyo, kungcono ukuba babambelele ixabiso kudidi eliphakathi.
• Rating-inshorensi. imibutho ezaziwayo badla zinika iindidi sokunyuswa nezaphulelo, yaye igama ukuba zingqineke.
• Ubonelelo ngeenkonzo ezongezelelweyo. Ngamanye amaxesha oko ingabonakali emva nokubekwa sezabelo iinkonzo ezingeyomfuneko ngokupheleleyo kuwe, i-inshorensi yezempilo, impahla, ubomi kunye nabanye.
• Lula kwendawo. Cinga ngendlela ekulula ngayo iza kuba ofisi yakho tyelela inkampani xa kuyimfuneko.

CASCO

Enye uhlobo zithandwa-nkqubo yi CASCO. Inshorensi imoto kule meko kungenzeka ukongeza CTP, nangona oku ayisosinyanzelo. Uluhlu iingozi phantsi kwalo bangesosigxina ziquka phantse yonke into:

• ubusela;
• umonakalo xa kuthe ingozi;
• iiglasi eyaphukileyo ukusuka ingqalutye angabikho phantsi amavili iimoto ukuya phambili;
• bacanda wheel;
• uwise naziphi na izinto zangaphandle, ezifana icicles okanye izitena;
• Nge- kunye imikrwelo of imvelaphi engaziwayo;
• naziphi na ezinye iingozi.

Kulo mzekelo, akunamsebenzi wenza ingxaki kwimeko-inshorensi, intlawulo uya kuhlawula ilahleko. Kuya kuphela kwiindleko-nkqubo - kokukhona ngeengozi ibandakanyiwe kuyo, kokukhona ebiza kakhulu loo nto. Ngoko ke, njengoko unokuthelekelela, Hull - fun ayikho cheap, ixabiso inshorensi imoto rhoqo 10-15% yexabiso isithuthi ngokwaso. Noko ke, nangona iindleko eziphezulu, umgaqo-inshorensi CASCO ethandwa kakhulu, ingakumbi phakathi abaqhubi abo basandula kuqalisa.

Kulo mzekelo, impendulo yombuzo 'ukuba inshorensi indlela imoto ngaphandle inshorensi eyongezelelweyo "kunzima kakhulu. Ngenxa yokuba igobhogobho kungentando yakhe ngokupheleleyo, iinkampani ze-inshorensi uzama ukubeka kangangoko iimfuno kunokwenzeka ezongezelelweyo. Kukho iimeko xa Umphathi 'izama "inikeza abaqhubi abo basandula kuqalisa ngakumbi ngokusesikweni umgaqo-nkqubo kwi-alam xa kwimeko yokuvalwa ngesiquphe (mhlawumbi ngaphandle kweli nqanaba ukuze inshorensi imoto ekubiweni akunakwenzeka). Ngelishwa, ekulweni iziganeko ezinjalo kunzima - kulula ukutshintsha inshorensi.

Yintoni kuchaphazela amaxabiso CASCO

Xa sicinga apho inshorensi imoto kwi Hull, kuyimfuneko ukuba bakuthathele ingqalelo ezinye izinto ezichaphazela ixabiso le nkqubo. Amaninzi oko kuxhomekeke:

• brand imoto kunye nexabiso layo - elikhulu oko kukuthi, kokukhona ebiza kakhulu-nkqubo;
• ubudala umqhubi kunye namava okuqhuba - oko kukuthi, i-zitshiphu lo mgaqo-nkqubo;
• "Antiquity" kumatshini ngokwawo - i entsha imoto, leyona le-inshorensi, kunye isithuthi ngaphezu kweminyaka 10-15 kwaye awukwazi-inshorensi;
• ubukho kunye nenqanaba iinkqubo ezilwa nobusela;
• indawo kunye nemiqathango imoto - eyadini, igaraji, kulondolozwe okanye iqashiso yokupaka eziyimfihlo;
• ixabiso nalo ilungelo - umonakalo elingagqithiyo ubungakanani franchise, iyapheliswa iklayenti imali zakho;
• lexinene koluntu iimoto yokusebenza kummandla - umzekelo, ukuba amathuba engozi esixekweni iphezulu kakhulu kunaleyo kwidolophana encinane.

Kwakhona, iindleko-inshorensi igobhogobho kungandisa:

• uluhlu amabango-inshorensi;
• ndawo wokulungisa iimoto - auto-kukhethwe UK uya kuba atshiphu, kodwa balungise apho kungabangela isixa icocekile;
• Umda ekhulwini kubungakanani intlawulo xa isiganeko inshorensi;
• intlawulo kwiimeko xa imoto engenakulungiseka kwaye kufuneka ilahlwe;
• amathuba "iKhadi Green" ukuhamba ilizwe;
• inshorensi yobomi ezongezelelweyo umqhubi okanye abakhweli;
• amathuba yobhaliso lezavenge;
• yobumbaxa nexesha iinkqubo zokujongana nale meko kwimeko ingqalelo-inshorensi;
• ngaphezulu.

Insurance nge Internet

Kwiminyaka yakutshanje, akunamsebenzi nokuba yintoni uhlobo nkqubo uhlengahlengisa, iinkampani ze-inshorensi ezinkulu zinika inkonzo bokuceba isivumelwano ukude. Ngoko ke, indlela inshorensi imoto nge-intanethi kwaye zithembekile njani? Okokuqala, siphawula ukuba nangona ukuba le nkonzo Kuyinto elula kakhulu, kusesemini akukhuselekanga ngokupheleleyo. Trust kule meko ke iinkampani kuphela izinzile ubungqina bokuba kukho imfuneko. Ngoko ke ngaphambi kokuba ugqibe ukuba inshorensi imoto nge-Internet, funda ngenyameko ukubuyekeza umbutho nokunika inkonzo enjalo, okanye i-arhente nomlomo.

Kakuhle eli nkqubo imi ngolu hlobo lulandelayo:

• Ungakhetha inkampani ye-inshorensi uye website yayo esemthethweni;
• ukufunda ngenyameko imiqathango ubhaliso nkqubo Hull kunye MTPL, khetha i ekunene kwaye ushiye isicelo online zobhaliso yayo;
• kwezinye iimeko, kuya kufuneka ngakumbi uzalise iphepha lemibuzo emfutshane, nto leyo iqulathe ulwazi malunga imoto kunye nezinye iinkcukacha unclassified;
• khankanya umhla kunye nexesha apho ongathanda ukuba inkampani yeinshorensi yekhuriya.

Ngeli xesha, emva kokuba kuqhutywe ulwazi ukuza kuni isithunywa nge-nkqubo inshorensi esele zenziwe, ezo ziya kuhlawulwa kwi ndawo phezu irisithi. Ungakhetha kwakhona apho uzise uxwebhu - ekhaya okanye emsebenzini, njengoko ukhetha, eyona nto ibalulekileyo - ukuba khona ngexesha elimisiweyo. Oku kakhulu lula, ekubeni kungekho mfuneko ukuchitha ixesha ezixabisekileyo kuhambo kwi-ofisi, musa ukuba "ukuphola" kwi jam zendlela, ume emgqeni kumphathi kunye osethilini, njalo-njalo. ixesha bakho luvo bakho baya kuhlala nani.

Ukuze ukuba ukuchitha ixesha kutyelelo kwi-ofisi yenkampani, unako kwakhona usebenzise iinkonzo zee-arhente ezikhethekileyo, abameli, nto leyo edla nazo amaphepha zabo kwi-Internet. Agent - umntu wemvelo ukuba isivumelwano inkampani yeinshorensi kunye nomboneleli weenkonzo labarhwebi. Abantu abanjalo badla ukususela-10 ukuya kwi-20% yeendleko ze-nkqubo, ngoko xa usebenzisa iinkonzo omnye umntu efanayo ngalo lonke ixesha, oko kwenza ukuba isaphulelo, kwaye umgaqo-nkqubo iya kuxabisa kancinci enganeno. Nakuba kunjalo, kufuneka ke ngoko ukuba silumke ngokuphindiwe ukuba 'ukubaleka ibe' ubugebengu.

Credit imoto - ukhetho ngenkani kwinkampani ye-inshorensi

Kodwa ke umbuzo othi "apho inshorensi imoto, esithathwe ngetyala" angafanele kwaphela. Inyaniso kukuba ibhanki ekhuphe mboleko ukwenzela ukuthenga iimoto, amaxesha amaninzi ukuthumela umxhamli inkampani ethile apho befumana isivumelwano wenkonzo eyongezelelweyo kuphothulwe. Ukuba ngaba inshorensi imoto credit wathi kanye apho ukuba imali kungenzeka ukuba.

Noko ke, kukho enye caveat: uninzi iibhanki ukusebenzisana omnye IC, kodwa abathengi ingxelo "angalulibala". Ngoko ke, ngaphambi kokuba wenze imali-mboleko, cela ummeli kwiziko logcino uluhlu yonke imibutho kunye abasebenza, uze ukhethe leyo evumelana nawe kakhulu. Kamva, xa ekuphelisweni isivumelwano sentengo yemboleko, ufuna ukukwazi ukuba sinikezelwe kanye apho awunangxaki. Amaninzi, iibhanki andifuni kuphulukana abathengi ngenxa yokuba i "makangakhohlisi" kwaye uye phambili.

bokuqonda inshorensi

Kukho kwakhona kwezinye iimeko ezizodwa apho ekwenzeni le nkqubo kusenokuba nzima. Yabona, umzekelo, niyakwazi inshorensi njani imoto ngaphandle lokuhlolwa? Kubonakala ukuba babe nto, kodwa kukho ezinye bokuqonda. Ezinye iinkampani ze-inshorensi zinika abathengi ukufumana i "umgaqo-nkqubo kunye imeko." Oku kuthetha ukuba uxwebhu uya kunikwa kuni, kodwa oko kuya kufuna ukuba ubhale ingxelo malunga uyavuma ukuba ukunika ekuhlolweni kamva, ezifana phakathi evekini.

Kwakhona, ungacelwa ukuba likhuphe umgaqo-nkqubo elifutshane, oko inshorensi imoto inyanga okanye iiveki ezimbini. Kuyinto nje enye yaye oko kuthetha ukuba eli xesha uya kuba ixesha lokuhlola uze ubuyele emva uxwebhu omkhulu "Ukuphepha". Ukuba ixesha lifikile sokwakha ngokutsha eli-inshorensi kunye tehtalon endala kusebenza ezinye iinyanga ezintandathu, ngoko pereprohodit akukho kuyimfuneko, kunokwenzeka ukuba likhuphe umgaqo-nkqubo ngoko ukuba adle. Kwaye ukuba uthenge imoto entsha, uhlolo itikiti ongazifuniyo, ngenxa yokuba uya kuthatha kuphela emva kweminyaka emithathu.

Ngenxa uxabiso ebalulekileyo yomgaqo-nkqubo, ezinye abanini imoto angathanda ukuba amalungiselelo oko kwangoko kumaxabiso "endala". Kodwa ngaba kunokwenzeka ukuba inshorensi imoto ngenxa engaphambili, abazi bonke. Yandisa wihi-nkqubo MTPL isenokungabi ngenyanga ngaphambi kwe enye ngaphambi ukuphela kwalo. Ngoko ke abo abaqhubi ni wihi-inshorensi esisinyanzelo ziyaphelelwa ekuqaleni May, kuthiwa gcina kancinane, Kakade ke, ukuba elithekelelwayo umhla ukwanda lweerhafu.

Nge CASCO isimo ngakumbi - ukuba ngokuhlaziyeka esele ikhona inkqubo, oko kunokwenziwa ngaphambi kwe kwiiveki ezimbini phambi kokuphela ezidlulileyo. Ke ukuba uthe wandenzela ngaphandle entsha okanye ufuna ukutshintsha kwinkampani ye-inshorensi, le ngxelo ngoko nangoko yaye ngokupheleleyo iintsuku. Nangona kunjalo, le nkqubo "kunye kwamathandabuzo" ingakhutshwa kwezinye iinkampani. Oku kuthetha ukuba amanqaku contract inshorensi iya kuqaliswa ukuba ixesha layo semthethweni iqala ukususela kumhla okudluliselwa kwakhona asihlole isithuthi, umhla apho sabelwe ngomhla owandulela umhla wokuphelelwa we-inshorensi. Gcina, mhlawumbi, nibe nako, kodwa xa kukho amandla kaxakeka treaty akunjalo.

Kakade ke, kuya kuba kuhle ukuba ukukhwela ngaphandle kwesiganeko, kuba wazi njani ukuba imoto zicwadi kunzima kakhulu-inshorensi. Ngelishwa, iziko ledatha epheleleyo elidityanisiweyo iinkampani ze-inshorensi akakho, kukho data SAR kuphela, apho impendulo zingafumaneka ngokuthi ukwazi inani le nkqubo. Ukuba akuyazi into aya kuba impendulo bafune ngqo kwi-nxaxheba yengozi, njengoko maxa wambi kwenzeka hayi kunzima.