Yintoni umahluko ukusuka CTP Casco

CASCO umgaqo-inshorensi - umgaqo-nkqubo we-inshorensi ngokuzithandela isithuthi, lo gama MTPL - ezinyanzelekileyo. Yaziwa kakhulu eRashiya ubekwa nkqubo MTPL kuqala. Yintoni umahluko omkhulu phakathi kwezi ntlobo zimbini ze-inshorensi?

1. CASCO - inshorensi naluphi na uhlobo lwesithuthi (imoto, isikhephe, uloliwe, nezompleyini, njalo njalo). Xa ufaka inshorensi MTPL hleze imoto kuphela.
2. Kwimeko kwityala insurance, ixhoba kufuneka ziqhagamshelane inkampani yakho ye-inshorensi (CASCO), okanye inkampani umsunguli okwenzeke (CTP).
3. Xa CASCO nkqubo ibonelela epheleleyo ngakumbi redress ngaphandle ukuphelwa lixabiso. Ukongeza, kwakhona ibonelela imbuyekezo yelahleko inzuzo, ngokwahlukileyo kwi-CTP.
4. CASCO inshorensi xa kunokwenzeka, hayi kuphela isithuthi, kodwa abakhweli, imithwalo, ipropati, ngoxa inshorensi MTPL lixhomekeke ufanelwe ukonakalisa ukuba amaqela esithathu kuphela.
5. Xa Hull unalo ithuba lokwenza nokulungiswa ngeendleko insurer, kamsinya nje imali echithwa kwi ekubaleni ihlawulwe kwi CTP.
6. Kwimeko-inshorensi Hull, kusenokubakho hlobo.
7. Ngobungakanani bomonakalo xa CASCO nkqubo uyakwazi ukuchonga nayiphi na ingcali, ngoxa CTP - kuphela ingcali ezimeleyo.
8. Xa Hull ixabiso ipremiyamu kumiselwa kwinkampani ye-inshorensi, lo gama CTP - alawulwa ngurhulumente.

Olu luhlu kuphela umahluko ophambili phakathi kwezi nkqubo zimbini inshorensi. Kumele kukhankanywe kwakhona ukuba igobhogobho wahlulwe iintlobo ezimbini - enye epheleleyo kunye noluphakathi. inshorensi Full esibanzi ikuvumela ukuba likhusele zonke iingozi: ubusela, ingozi, umlilo, intlekele yendalo . izenzo ezingekho mthethweni lwabantu wesithathu, izinto eziwayo phezu imoto, njl A kwimeko buso polisi inshorensi igobhogobho unelungelo lokuba isigqibo iingozi kwimeko yakhe zezona zinto zibalulekileyo, kwaye Musa inshorensi isithuthi ukusuka ingozi ephantsi-amathuba kuye.

Ukuba ugqiba ukuba ufuna Hull nkqubo, kwaye ibhajethi yakho umda, igobhogobho kwenxenye inokuba yindlela enkulu ngaphandle. Enye indlela aza kuba itsalelwa. Ukusekwa franchise kuthetha ukuba cover umonakalo ezingephi le polisi uvelisa ngokuzimeleyo. Umzekelo, ukuba itsalelwa ngokulinganiselwa kwakhe 5000 engange, auto wokulungisa mali esele ifakiwe kule bhokisi, umnini imoto byi ngokwakhe. Kwaye xa kuthe umonakalo ukuba isixa esikhulu, kufuneka ukuba ndibhenele kwinkampani ye-inshorensi.

Cinga iinketho ezimbalwa ukugcina xa sukuba usenza nkqubo CASCO. Okokuqala, akukho ngozi-free yokuqhuba kunyaka ophelileyo, njengoko eli zinga kuthathelwa ingqalelo xa kubalwa inani le nkqubo. Okwesibini, inani labantu, nto leyo yenziwe i-inshorensi. Kufuneka kakhulu ingqalelo abaya ukuqhuba isithuthi, yaye ngubani na ukuba ziqukwe kuluhlu - oku kuya kunciphisa iindleko inshorensi. Ekugqibeleni, musa ukulibala malunga iibhonasi nezaphulelo nice ukuba iinkampani ezininzi inshorensi zinika abathengi xa isicelo iinkonzo neenkampani iqabane.

Ke kaloku ukuthandwa CASCO likhula, yaye oku lula uchazwe. Ukongeza, umgaqo-nkqubo we-inshorensi ngokuzithandela zinokudityaniswa kunye umgaqo-nkqubo enyanzelekileyo. Ngaloo ndlela, uya kunika yokhuseleko zemali ebanzi - enyanisweni kwimeko yengozi, unako ukubala bephana umonakalo ngenxa wenqanawa, kwaye umonakalo iqela owenzakeleyo uya kuthabatha kwinkampani ye-inshorensi ngalo sele kugqitywe CTP ngemvumelwano. Kwaye loo ukhuseleko olubanzi wena kunye nabo ubathandayo akuyomfuneko kuba imali eninzi kakhulu, ngenxa yezizathu ezichazwe kwangaphambili.

Ukuba ufuna ukuba nentembelo kwisigqibo sakho, ungenza pre-ukubala okanye ukubala CTP wenqanawa.