Casco: ntoni na? ongakhetha insurance, iinkcukacha

Wonke umnini imoto ufuna ukukhusela isithuthi yakho umonakalo kunokwenzeka. inshorensi CASCO uya kuba wenza kakuhle. Abaninzi bafuna ukufunda ngakumbi nge -inshorensi ebanzi, yintoni na. Kodwa izinto zokuqala kuqala. Okokuqala kufuneka baqonde ukuba nanamhlanje ukuthini umonakalo.

Umonakalo umnini imoto - into embi, okubangele imoto. Oku kunokuba ibe sisenzo ukonakalisa, ubusela, umonakalo ingozi. Akukhethi ezinye iintlobo umonakalo. Casco iyathandwa ngenxa yokuba banzi koluhlu iindleko ezihlawulelwayo inshorensi. Okwangoku imeko enjalo ukuba abantu abaninzi nkqu ngexesha isicwangciso ukuthenga imoto sele ucinga sokhuseleko.

ukuthandwa

Asikwazi ukuba le-inshorensi imoto - khetho atshiphu, kodwa ngoku ithandwa kakhulu. Ngoko ke, ukuba ufuna ukukhusela mali yakho, iindleko ezongezelelekileyo engalindelekanga, lixesha lokuba bafunde imithetho Hull. amabango-inshorensi inokuba nomahluko: kungekhona yokupaka elungileyo, ubusela, ebangela okubi. Ukuba kukho nayiphi na loo ngxaki, indoda ithe igobhogobho zenziwa ukuba imbuyekezo epheleleyo kuhlawulwa (ngokuhambelana ne umonakalo).

Mini-igobhogobho - ntoni na?

Le mihla lemarike inshorensi iinkonzo inika abathengi zayo eninzi-NMMU, umzekelo, kukho iintlobo ngeentlobo wenqanawa. Yintoni na - "mini" -version zale inshorensi? Yena ngokwenene kufuna ingqalelo.

Yinto imveliso inshorensi enjalo olunikwayo beemoto kwiinkampani phantse zonke ezinkulu inshorensi zasekhaya. Enyanisweni, sithetha igobhogobho inkqubo lula, eqinisekisa ukhuselo oluthembekileyo nxamnye imingcipheko uya kubakhusela umntu ilahleko ezinzulu. Ukususela oko iimbandezelo ezinjalo-inshorensi?

• ukweba imoto;
• ilahleko imoto okanye umonakalo ngenxa ziintlekele zendalo okanye umlilo;
• ingozi Industrial okanye ingozi;
• umonakalo ngenxa izenzo kweenkonzo zikamasipala kunye nobugcisa (umzekelo, le lomonakalo ngabameli zonyanzeliso lomthetho okanye iinkonzo zohlangulo).

Dwelisa imingcipheko ukuba isindululo uya kuhlawula 'mini', iyahluka kakhulu - konke oko kuxhomekeke kwinkampani ethile. Nangona kunjalo, le ezifana isekhona: nje ngendleko ephantsi kakhulu (xa kuthelekiswa ne-nkqubo ngokupheleleyo), kunye nepolisi ye-inshorensi ukulinganiselwa ebalulekileyo. Ngokuqhelekileyo, abantu ukonga kwi-30% kwixabiso le-inshorensi Casco, ukuba "mini" iphakheji ekhethiweyo.

Yintoni plus?

Inzuzo ephambili uhlobo engaphelelanga, xa kuthelekiswa ne egcwele-CASCO nkqubo inshorensi - yokonga ngayo wezeMali. Olu hlobo inshorensi ezilungele ongenalwazi abaqhubi, aselula, kwakunye nezo abantu imoto sele igugile. Ukuba isiqinisekiso kumenzi esiphezu isithuthi, kwakhona ayiqwalasele le "mini" -version wenqanawa. Kwakhona, le sixhobo iluncedo kwimeko apho umnini-sithuthi akafuni inshorensi imoto nxamnye nazo zonke iingozi kunokwenzeka, ukuba, umzekelo, kufuneka uye kuphela izihlandlo ezimbalwa ngenyanga, yaye zonke ezinye imoto egaraji okanye yokupaka ihlawulwe.

Nalo ilungelo inshorensi igobhogobho

Ngokuqinisekileyo umntu wayevile malunga Hull hlobo. Yintoni na? Ngoko ninqule inxalenye inshorensi umonakalo, leyo reimburses umnini yakho, ukuba isiganeko inshorensi kwenzeka. Njengomgaqo, sithetha nje esisigxina semali-inshorensi, nangona mveliso ezininzi ukuveza eli xabiso njengepesenti. Le meko ngolu hlobo lulandelayo: i-CASCO inkampani inika umxhasi kunye isaphulelo ebonakalayo ngeenkonzo zazo, kodwa ezinye ukulungiswa (ebekuvunyelwene kwangaphambili kunye nabameli kwinkampani ye-inshorensi) kuya kufuneka uthobele ukuchitha imali epokothweni yakhe. Iimoto, kukho iindidi ezimbini franchise: enemiqathango kunye kwemibandela.

itsalelwa

Xa ipolisi ye-inshorensi ezicaciswe kule nkqubo ngolu hlobo: umnini imoto luthembisa ukwenza oko kukuba ihlawula isixa esithile kwimeko ukuba ifumene umonakalo. Kufuneka siqwalasele umzekelo olula: imoto ukuba inshorensi phantsi kwale nkqubo. mda itsalelwa ke, ndithi, 5,000 engange. Ukuba isiganeko benefits oku kwenzeka, umzekelo, 15 amawaka, inkampani iya kuhlawula umnini-auto 10,000 kuphela.

franchise olunemiqathango

Yintoni enokuthethwa esi sithembiso? Xa isibalo enemiqathango inkampani yeinshorensi ukuba abuyekeze ngokupheleleyo wonke umonakalo wabandezeleka imoto kuphela xa ubungakanani yakhe ngakumbi estrip ethile. Ukuba uhlawula ingqalelo reviews of Hull, kule meko ikhangeleka ngathi oku: ukuba imoto ufumana ingozi yemoto, kodwa isixa umonakalo ngaphantsi kwe umtya itsalelwa, umnini ngokwakhe byi ukulungiswa. Ukuba umonakalo mkhulu data kule mvumelwano, umnini uya kuhlawula ukuze kufunyanwe izithuthi.

Wonke umntu kufuneka isigqibo ngokwakhe umbuzo wokuba ingaba ukusebenzisa nalo ilungelo ne Hull. Yintoni na - yacaca abaninzi amanqaku zethu. Kwanele ukuba ukutsalela ingqalelo imeko kwizixeko ezikhulu - kukho umngcipheko umonakalo Minor (imikrwelo kwi ngesivuno, namaphiko). Iinkampani ze-inshorensi silindele ukuba nalo ilungelo kukuba ukuze iindleko zokusilungisa yaba ngaphantsi kancinci kwinqanaba iseti kweentlawulo. Oko kukuthi, phambi kokuba enze isigqibo, kufuneka uzame ukuthatha ingqalelo zonke bokuqonda. Franchise - indlela enkulu ngokwenene ukuba wonge imali, ingakumbi ukhetho layo eliphezulu. Kwimeko enjalo igobhogobho kuya kufuneka ukuba uhlawule ethile izihlandlo ezibini ngaphantsi kwe kwimeko eqhelekileyo. Oko kukuthi, nkqu abanini yeemoto bangaba ngokwaneleyo ukucinga nzulu malunga CASCO ipolisi ye-inshorensi - ngoku ngenene.